Fide Crypt

Most Nigerians work very hard for money. But very few people are taught how to make their money work for them. From a young age, we are taught to: • Go to school • Get a good job • Earn a salary • Save money in the bank But almost nobody teaches us how to invest. And that is one of the biggest financial mistakes many people make. Because saving money alone will rarely make you wealthy. Inflation keeps rising. The cost of food increases. Rent increases. Transportation increases. Over time, the value of money sitting in a bank account slowly loses purchasing power. This is why many financially smart people focus on investing instead of only saving. One of the most powerful ways to build wealth over time is investing in stocks. And many people don’t realize that Nigeria has its own stock market where individuals can buy shares in companies. Companies like banks, telecom companies, and industrial firms are listed on the Nigerian stock market. When you buy shares in these companies, you become a part owner of the business. As the company grows and becomes more profitable, the value of your shares can grow as well. Some companies also pay dividends, which means investors receive a portion of the company’s profits. This is how many people around the world build long-term wealth. But here is the challenge. Most beginners don’t know where to start. They ask questions like: How does the Nigerian stock market work? How do I open an investment account? How do I choose good companies to invest in? How much money do I need to start? How do I avoid losing money? These questions stop many people from ever getting started. The truth is, investing does not have to be complicated. With the right knowledge, beginners can learn the fundamentals and start making smarter financial decisions. Understanding the basics of investing can help you: • Grow your money over time • Build long-term financial security • Earn dividend income • Avoid common beginner mistakes Many successful investors did not start with millions. They started small. What made the difference was knowledge and consistency. Instead of trying to get rich quickly, they focused on learning how investing works and building their portfolios gradually. For beginners who want to understand the Nigerian stock market in simple language, there is a practical guide that explains the fundamentals clearly. The book “Investing in Nigerian Stocks: A Beginner’s Practical Guide to Building Wealth the Smart Way” breaks down important concepts such as: • How the Nigerian stock market works • How to open a brokerage account • How to analyze companies before investing • How to build a beginner investment portfolio • The difference between trading and long-term investing • How dividend stocks generate passive income • The common mistakes new investors should avoid It is written in a way that makes the subject easy to understand even for people who have no previous investing experience. Financial education is one of the most powerful tools anyone can have. When you understand how money works, you begin to make better decisions about saving, investing, and building wealth. And the earlier you learn these principles, the more time your money has to grow. For anyone interested in learning the fundamentals of investing in the Nigerian stock market, the book can be accessed here: selar.com/investing-in-n… Learning how to invest is not about getting rich overnight. It is about building financial knowledge, making smarter decisions, and creating opportunities for long-term wealth. The journey to financial freedom often starts with education.

@freakin_snow In my 300L, my course rep, mismange the funds we paid to his account, for scrubs, logbooks, name tag and lab box. it was about 3M, it was said he invested the money. The boy tried paying the money back, he stopped attending class, and after all the struggles he didn't graduate

My cousin in the university is the course rep of his class. Recently, one his course mates lost his dad and they decided to contribute 5k each for the guy. A total of 800k was donated by the students. This boy used 350k to change his new girlfriend’s phone and took her out with 50k . His plan was to play 2 odds with the remaining 400k and recover the money . Well, he did play the 2 odds and sporty collected the money. He left school before the burial date and switched off his number cos he doesn’t know what to tell his course mates. I called the so called girlfriend to return the phone let’s get some money back and she said “With all due respect ma, if you are me will you return this phone” Omo I felt it in my bones 😭 Anyways, we have sold his iPhone 13, fridge and Gen to raise the money. Today, he called to tell me that the girl has dumped him, that she can’t date a broke boy

@Rashnaking @Dorren06 You can even see it in small businesses, people complaining that their workers stole from them, killing their business. It's the mindset of na where person for dey work, na their e for dey eat. That's what the government officials are doing, stealing money for their self

Nigeria is a reflection of the people in it. Someone shot his shot at Victor Osimhen for a jersey and even tagged a vendor. Osimhen saw it and said he’d personally send one. 
Then told the vendor to add 15 more jerseys for others. -That’s where it got interesting.- Immediately money entered, the story changed. The vendor suddenly said Osimhen told him to share it himself. 
He claimed he had already picked 15 people. —Then it got worse—
He called the same person who brought him the business a scam. From there, he tried to “negotiate”:
7 for the guy, 8 for himself. Greed, plain and simple. The guy refused and asked for all 15 jerseys as instructed. —Next thing— 
The vendor switched again.
Said the post was “stolen” and brought another person to justify it. —Now here’s the real problem— Instead of people calling out the wrong,
they started defending it. “Make una settle.”
“Na just jersey.”
“Let it go.” - Someone even offered to pay extra, 
rewarding bad behavior. And that’s when it becomes clear: We are not different from the people we complain about in power. —This is how it starts— 
small compromise, small dishonesty, small defense of wrong. Nigeria didn’t just become this way overnight. 
We built it, little by little, with everyday actions like this. Truth is, many people are only “good” because they’ve not had the opportunity to do worse. One day, we will have an honest conversation about the double standards on this TL. One day.

@armanifeante For girls, birthday is a day to get free money and gifts

Reducing what goes on in a boy’s head on his birthday to fake maturity is an evidence to how insensitive the other gender can be to a boy, many times even in relationships. For boys, a lot of expectations are attached to age While birthday is a call for studio photoshoot for some for many boys, new age is a reminder of the apartment of their own that they should have had It’s a reminder that they are getting too old to be where they’re financially, academically and relationship wise etc On a normal day a boy could just sit and start thinking of how to move forward in life, that thinking is more intense on a birthday So if they don’t send a picture of themselves as broadcast to all contacts on WhatsApp group for a repost, it’s not a flex They are grateful for life, but when they have something truly worth celebrating they won’t hold back It’s not fake maturity, we are usually on a date with reality and reality is not friendly.

@armanifeante She expect me to curate a birthday wish list. How many guys have u seen that have done that

The person who brought the ideal of recurring monthly/annual subscription, make una help me find em. Before, it was a one-time payment.

@Crypto_Diet Both guys are actually doing very well

Two guys finished NYSC same time. One rushed into crypto — memecoins, airdrops, presales. Turned ₦800k to ₦18M in 8 months. The other said “I want stability.” Got a 9–5 job paying ₦180k/month. 12 months later: Crypto guy lost almost everything chasing the next pump. Back to ₦2M and no steady income. Salary guy saved ₦1.2M, started a small side hustle, still earning monthly. Now here’s the uncomfortable question: Who is actually doing better? The one who touched big money but couldn’t keep it… Or the one growing slowly in this economy? Be honest — because this answer will expose your real mindset about money.

You can lose ₦100,000 + ₦50,000 monthly in Nigeria… …just because you didn’t file a tax return. Not because you’re rich. Not because you committed fraud. But because you didn’t know. Reply TAX if you want the guide before it’s too late.

@bod_repuplic You be 2006 pikin ?

Egg roll 50 Naira!?😂 Just because we give you permission to lie to us doesn't mean you should use lie to finish us.

@bod_repuplic N100 lunch money, N50 egg roll N50 any soft drink.

@Diamie_x @Wizarab10 It's not bad to demand accountability.

With all due respect to @Wizarab10 Nigerians are not stupid, no matter how kind hearted and generous we might be we’re far from stupid . Most people work daily jobs , 9-5 and menial hours just to survive and they’ll still donate to a good cause cause they’re good people . @_belikebaddy has over 100k X followers and his account has been monetized for years, he uses an iPhone 16 , even lives better than most of the people donating to give him a better life . All I ask is that @_belikebaddy should posts his X payout for just the last 3 months ! I believe He has made more than enough money from X in the past 1 year to cater for his surgery but he rather spends it for enjoyment and his personal gain and then comes out to beg Nigerians for help , if he doesn’t post it then yall are hypocrites!!!!

@instablog9ja I thought he gave 12B to students

President Tinubu Seeks Senate Approval for $5 Billion Loan

@osazenoo These are the bare minimum, he hasn't done anything. He should compare himself to other countries.

1. Increased allocations to states. 2. Increased allocations to your local governments 3. No ASUU strike in 3 years 4. NELFUN to over 2 million students 5. Single digit food inflation 6. Private sector recording unprecedented profits 7. Improved security allocations and architecture 8. Improved electricity supply 9. External reserve gone up to $50 billion 10. Zero fuel queues 11. Improved passport system 12. Improved international image 13. Landmark projects like Lagos-Calabar coastal road, Sokoto-Badagry highway, federal roads construction all over the country, lagos international upgrade, seaport upgrades, mini solar grids in federal hospitals and universities across the country, improvement of power transmission from 4,000 MW 2023 to 8,000 MW before December 2026. To name a few

@Officialmrmiles So you saved this image to use again. For the impression

I pay ₦7,600 every single month. Not because I’m swimming in money. Not because life is soft. But because I believed it would open doors. Meanwhile, I’m struggling to feed. Bills are staring at me like unpaid debts have emotions. Every naira counts. Every coin has purpose. Yet I still subscribed. I still showed up. I still created. I still pushed. And till today… nothing. No payout. No support. Just vibes and silence. It’s crazy how you can invest in something hoping it’ll lift you up, while you’re quietly drowning behind the scenes. Sometimes I look at that ₦7,600 and think of food it could’ve bought. Electricity it could’ve paid for. Peace of mind it could’ve given me. But instead, I chose belief. And I’m tired of pretending it doesn’t hurt. If you see someone trying online, don’t mock them. You have no idea what they sacrificed to keep showing up.

@saba_4real And guys follow me

How I got 5M impression in 51 Days. In this post I will give you a step by step explanation on how I got 5M impression in 51. If you repeat this steps you will get the same result or even better. Let begin... I did my subscription on the 18 of January. On that same day, I got 78K impression. This gave me a lot of hope. How did I achieve that on the first day? I reply to everyone I could see on the Timeline. But hey! Replying to everyone is good, but you will dispenses a lot of energy. So, here is what changed everything for me. 1. I Looked for big Accounts that are big. I got like 20 of them. 2. I Followed and studied them. 3. I Set Notifications for them. This is because, I will get notified the second the made a post. 4. I Reply to them within the first 10 or 20 minutes. Some say 1 hour but this is my own steps. Here is what I noticed that change a lot. Replies like ; Amen, yes, true, Connect, fb, etc doesn't get more impression and may sometimes be considered as spamming the system. So what I did was. 1. reply with a contrary view 2. Reply in disagreement. 3. Reply with agreement, but different perspective. And booooooooooom I got my 5M impression, this is my proven strategy. Feel free to ask any questions here I Will always response. Kindly Repost, like, Leave a comment and let's connect. See you in the comments.

@saba_4real So you are monetize ? What about your own post, do you get impression from ur post ?

@levikov Apex

There are hundreds of thousands of churches in America and church-going women aged 40-65 are the most profitable, most loyal, and most completely ignored buyers on the entire internet… These women give thousands per year to their church without thinking twice. On top of that they spend heavily on faith-based products. Bible study journals, prayer devotionals, faith-based wellness supplements, Christian home decor, scripture wall art, anointing oils They don't comparison shop. They don't return products. They buy whatever is recommended by someone they trust because their entire worldview is built on trusting authority figures who share their values And the Facebook groups they're in are genuinely insane "Christian Women's Prayer Circle" has 500K+ members. "Faith and Wellness" groups have 200-400K. "Bible Study for Women" groups have 300K+. These women are in these groups every single day actively ASKING for product recommendations and buying whatever gets suggested. The conversion environment is already built. You just have to show up So picture an AI character page built specifically for this audience A faith-based wellness elder. A biblical herbalist. A grandmother who shares scripture alongside natural health remedies. "God's pharmacy was never a pill bottle, it was the garden He gave us" That character posts 2-3 videos per day. Health tips wrapped in biblical language. Wellness advice framed as God's design for the body. Prayer routines paired with supplement recommendations. "I start every morning with this prayer and these 3 things the Lord put on this earth to heal us" The educational videos pull massive views because they feel like ministry not marketing. They get pushed hard because there's zero commercial intent visible. The audience shares them in church group chats and family threads because sharing scripture-based health content feels like a spiritual act not a product recommendation Then when the character recommends a product it doesn't feel like an ad. It feels like a sister in Christ sharing what God put on her heart. The trust was built through weeks of free daily devotional content. The product is just the natural extension Faith-based supplements, prayer journals on Amazon, essential oil sets, devotional planners, scripture-based skincare. All of these convert at rates that would make any secular niche jealous because the buyer views the purchase as an act of faith not a transaction Automated DMs work even better in this niche. "Comment BLESSED and I'll send you my morning prayer routine." ManyChat sends a message with 3 genuine prayer/wellness tips and the 4th is a product recommendation. These women respond to the DMs with "God bless you grandmother" and "praying for you." They think someone personally saw their comment The click-through rates in faith niches are even higher than standard wellness because the emotional connection is deeper. You're not just a health page. You're part of their spiritual practice Every 24-year-old marketer thinks religion is cringe. They'd rather fight over saturated fitness niches than build a page that posts scripture. That ego is the entire moat Hundreds of thousands of churches. Tens of millions of women 40-65 spending heavily on faith-based products every year. Massive Facebook groups where people literally ask to be sold to. Zero competition because the demographic makes young marketers uncomfortable We're running a free live training today walking through this entire system. Product selection, character creation, scripting, video generation, all of it Run by 12 operators who've collectively done $55M+ in tracked GMV. People who've attended are hitting $10-30k/mo within their first few months. No face, no experience, no following needed Comment "APEX" and i'll send you the link

@TheDrAfolarin Academic does not justify if someone is brilliant or dull.

One of the dullest guy in my secondary school is a top photographer in the UK today. He married a Caucasian women about two years ago, did a badass wedding, drives a Tesla and lives in a big house. I know because I follow him on IG. He doesn't reply my message even though we were besties in best brain. I have another classmate, he was only good at math and I had to coach him in chemistry and physics for him to pass waec. He got involved in a startup or something a few years into his undergraduate days, he's a multimillionaire today with multiple properties in the country. Lastly, when I was in 300 level, there was a boy who always came to greet us in the compound, when I was moving house, I gifted him my rugs and items just to help him as he just got admission. About 2 years later, this small boy was posting his house in lekki with bad BMWs. As in terrible looking BMW's. My point is people's life can change dramatically within a few years, months even. Take a look at lobi, he used to be a nobody on X. Now everyone wants to be him.

@girllikeelise What if he was not interested

Men are so stupid wtf I’ve been making eye contacts with this guy, smiled at him, winked at him and he still didn’t walk up to me to talk to me

I just feel like my account is curs3, no matter what I post, X don't give me impression, no interaction, so I don't even bother to post.