Mister Chen▫️▪️

Sha be careful on the NGX. It’s a Mimicry of Nigeria has a whole. Guide your money jealously if you work hard to earn it. 20% in a good company that you can sell when you want, is better than 1000% in a useless company.

The version of you you’re praying for is hidden inside boring consistency. Nah why lock-in no dey sweet.

“A vision on its own is not enough. Hard work & dedication is required.”

@rahman_jago_ You’ve rehearsed failure enough, try rehearsing success too.

@_Viktorrr @onu_slim Crazy Just started using them , simplicity and safety

@Betdirect2 @onu_slim Cowrywise emergency fund new policy is now a full 24 hours after you request withdrawal. They said it's for security purposes though.

PiggyVest vs Cowrywise. PiggyVest started as a savings app that added investments. Cowrywise started as an investment platform that added savings. That difference tells you where each one is strongest before you even open the app. Current rates PiggyVest: PiggyBank - 18% per annum. SafeLock - up to 22% per annum, paid upfront the moment you lock. Cowrywise: ARM Money Market Fund currently yielding approximately 24 to 26% annually. Returns move daily with CBN MPR. Let me is this instance: If you save on N500,000 over 12 months PiggyVest SafeLock at 22%: N110,000 interest. Total: N610,000. Cowrywise Money Market at 24%: N120,000 interest. Total: N620,000. Cowrywise Money Market at 26%: N130,000 interest. Total: N630,000. Cowrywise wins on return. The gap is real and it compounds. The math on N1,000,000 split across both N500,000 in PiggyVest SafeLock at 22%: N110,000. N500,000 in Cowrywise Money Market at 25%: N125,000. Combined return: N235,000 on N1,000,000 in 12 months. That is money working while you sleep. Liquidity PiggyVest SafeLock cannot be broken before maturity. Breaking it means forfeiting every kobo of interest earned. That is the point. It protects you from yourself. Cowrywise Emergency Plan lets you access funds within 24 hours if life happens. More flexible. Dollar savings PiggyVest Flex Dollar pays up to 7% per annum. Cowrywise dollar mutual funds offer comparable or slightly better yields. Check both on the day you are ready to move. Minimum to start Cowrywise accepts as little as N1,000 in naira funds or $10 in dollar funds. PiggyVest has no meaningful barrier either. You can start both today regardless of how small your capital is. Security Cowrywise is SEC regulated with funds held by Zenith Nominees. PiggyVest is CBN licensed and insured. Both are legitimate. Neither is a scheme. My verdict Use PiggyVest SafeLock for emergency funds, short term goals, and financial discipline. The upfront interest and lock feature are genuinely powerful. Use Cowrywise for investment capital you want earning maximum naira returns inside a regulated mutual fund with real asset managers behind it. The smartest move is not choosing between them. It is using both intentionally with different roles in your portfolio. Rates are dynamic and move with CBN decisions. Always confirm current rates on both apps before committing capital. Not financial advice.

Adulting is realizing; 1. You will die, and most people won’t care after a while. 2. People use you until you’re no longer useful. 3. Most people secretly want you to fail. 4. One day you’ll wish you started today. 5. Most people fake happiness while dying inside. 6. No one is coming to save you. 7. You’ll be judged no matter what you do. 8. Your health is your greatest wealth. 9. Happiness is temporary—discipline is permanent. 10. Success takes longer than you think. 11. No one respects weakness, even if they sympathize. 12. Complaining changes nothing. 13. Not everyone you love will love you back. 14. Money won’t solve all your problems—but it solves most. 15. Social media lies to you every day. 16. You’re replaceable at your job. 17. Life is unfair—get used to it. 18. One day, you’ll run out of days. 19. Regret hurts more than failure. 20. Nobody cares about your excuses. Work harder The earlier you understand this, the better and easier your life gets.

Travel as much as you can . As often as possible , catch a flight , hop on a train . Discover new places , taste new foods , meet new people . Remember there’s so much more to life than living the same day over and over again .

I never get angry at people who refuse to help me, because if it were that easy, I would have helped myself. Remember, nobody owes you rescue. If it were simple, you would have fixed it yourself. No entitlement, just accountability.

@wtffolly_ @kaaego My big brother told me this same thing years ago and it’s stayed on my mind ever since. Time will pass regardless, so you might as well spend it becoming who you want to be

I’m in love with this sentence: “The art of not being ready and doing it anyway will take you so far.”

One of the most freeing realizations in life: You are not locked into your current identity. You can change your habits, your standards, your circle, your mindset, your career, your health, your entire direction. You're allowed to wake up one day and decide to become someone new.

I wanna level up so bad I pray I get out of this broke phase because I don’t wanna be left behind.

I honestly cannot overemphasize this but please start living & enjoying your life. Your life is passing by daily and all you’re doing is working, paying bills, & overthinking stuff you can't change. Start taking trips and treating yourself. Have fun with this life. You only get 1

25–30 is such a wild age,You have to level up professionally, plan a future,secure a partner,stay healthy and save money.

1. Align your skills with global demand. Go where capital, attention, and opportunity are flowing. 2. Become genuinely competent. Most times, this means mastering the core drivers and fundamentals of the industry. 3. Be audacious enough to play where it matters. Knock on more doors. Apply above your level. Put yourself in rooms that stretch you. 4. Be prayerful, if you believe in prayer. Timing, favor, and opportunities sometimes align in ways skill alone cannot explain. 5. Then repeat 1, 2, 3, and 4 consistently.

@Fola_kemmie Lol 😅 people would talk 120 application, multiple interviews is not beans, just continuing to restrategize this days cause it's just crazy

Someone said to me today “maybe you’re not intensifying on your job search enough because your parents still take full responsibility of you” I didn’t even know when I started crying after that cos dyk how annoying it is that I am trying so hard but there’s no result

Samuelson’s Theory of Consumption: Why Your Active Income Years Matter Most During one’s active working age, earnings are usually at their peak, so individuals are expected to: consume reasonably; save and invest part of income; build assets for retirement years when income declines. A person in his active earning years who spends everything without investing violates the long-term logic of this theory. The model supports accumulation of productive assets such as equities, pensions, businesses, or real estate when earning power is strongest. That is why as a long-term investor on the NGX you should focus on dividend-paying and compounding stocks during their peak working years in order to transfer income from their active years into future financial security.

@tosinolaseinde Everyone has that one window of opportunity where things work for them endlessly but most people open their windows to peek at what others are up to

I know say coast never clear for you and disrespect don dey enter from all angle, from family, friend & your girl No too reason am my G, in a man’s life there must be trials & tribulations. It is a must for you to be tested Stay strong. Stay grinding, soon u go burst everywhere

Near success syndrome is crazy. Anytime you remember that you were so close to a life changing win you get sad over again.