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22 years ago, in Enfield, London, I met this Nigerian guy whose job was to wash celebrities' cars at a very high-end car wash. Everything he made, he sent back to Nigeria to invest in property. He was not well educated and didn't know of any other assets to preserve wealth. At the time I met him, he was saving a lot and regularly sending home millions of Naira. His clients and patrons were very generous, and he was very hardworking. The first thing I asked him was why he didn't take all the knowledge he had gained to set up a similar business back home. His answer was - "They will rob me blind if I am not there." He wasn't ready to leave his cash cow in England, and he also knew that setting up a business at home was a risky endeavor. I see this pattern repeated with many successful Nigerians outside Nigeria. Trust is rare, and many have been burned. The surprising thing is that when Nigerians do the reverse and try to set up businesses abroad from Nigeria, they would most likely choose other Nigerians to run them. I have seen this with banks and churches. Some are successful, and others are not, but they keep doing it anyway. What happens to Nigerian trust locally, and why is it different when things are abroad? The simple answer is systems. A Nigerian doing business with another Nigerian abroad is protected by the rule of law and the systems in place there. There is also something deeper that I stumbled upon. Nigerians typically choose other Nigerians to run things, even though their products are originally Nigerian products or products largely meant for Nigerians in the Diaspora. When it is a universal product, they would choose others, but would still likely choose Nigerians first. It is a paradox. There are many times when choosing a Nigerian to run a Nigerian business outside Nigeria is a very bad idea, especially in those places with xenophobia, and where Nigerians are despised, but the reason Nigerians choose other Nigerians is that Nigerians abroad work hard. They know what they are running away from and put everything into it so they don't go back. I always joke that I have more relatives in Atlanta, Georgia, USA, than in Benin City, and it is likely true, as a family reunion there once had 200 people. One thing I noticed was that the family members almost always employed other family members in their businesses, and those businesses thrived. One of them even ran a car wash, employing his brothers, who later set up their own car washes. These were informal arrangements without any contracts, but everyone behaved and played their part. The interesting thing was that they never tried to do the same thing back home in Benin City. The answer seemed simple: maybe desperation and greed led to bad choices by those at home, but why? I have always wondered why the same family bonds abroad that bring people together and help them do well disintegrate when they get back home. The only people I have seen who have kept these family bonds in business, tight at home and away, were the Igbo people. The interesting thing was that the car guy in London was also an Igbo man, but he couldn't leave a business with his people back home to run. I later asked why, and he told me it was a high-end, personalized service that took years of apprenticeship to perfect. He was cleaning and detailing Ferraris, Lamborghinis, and other high-end cars for footballers and bankers. If he tried to train people to do that, they may end up taking the business away from him. I finally got my answer. Trust is multifaceted. You have to first trust yourself before you can trust others. I have a barber in Lagos called Chika who has absolutely no fear that I would choose others over him, as we have had a relationship for decades. I have the same relationship with Chika as I had with my late co-founder, because we were always truthful with each other. It was something that grew over time. I have followed Chika from Ikoyi Hotel to Victoria Island, to a shed when his shop was demolished, and finally to his current place, where he has operated for the last decade. I have even begged him to come to Accra, as I still don't have a regular barber here after 17 years. Many others in Lagos have the same relationship with him, and there are more of them there than in Accra. Chika is that good. He has also been unable to transfer that skill to others, making his business less scalable. It will always remain a niche luxury service. The type of business we try to do matters. High-trust businesses with a personal touch require the founder to micromanage everything. In Ghana, I once lost a $ 330k-a-year deal because someone (a Ghanaian) was too laid-back to respond to an email on time. Another Nigerian took the deal. Nigerians are more aggressive in doing business than others. So, I understand why people hire Nigerians abroad, especially in other African countries. They have more hunger. Nigerians choose Nigerians because they are easier to micromanage. Hunger at home can easily turn into greed. A Nigerian guy I recruited in Lagos for a project at MTN Group in the early days had tried to circumvent me with my South African partner. I was lucky to have seen the email he wrote to that effect when he left his screen open in the office. I became more cautious about who I worked with. It repeated itself much later, when I saw that our internal company emails were being read in the Ericsson office before they poached a lot of our people. Could these things have happened outside Africa? Maybe the probability would have been much less. The hunger is the same, but the greed is less, as many of the needs are usually already met. This is the same for Nigerians working in other parts of Africa. You don't need to worry about diesel for your generator, fuel scarcity, or security. When those basic needs are met, Nigerians become very different people. This is why I keep telling people recruiting from the diaspora not to bring them to Nigeria, but to allow them to settle in other African countries for now. Trust is enhanced when people worry less about basic things. This is a simple and pedestrian explanation, but trust me, it works all the time. There are people I know who would love to work for Nigerian companies but would never want to live in Nigeria. Hire them, but don't let them come back home unless you are ready to treat them as expats. Nigeria is the problem with a lot of people; it is not because they are Nigerians but because they are in Nigeria.

Just connecting more dots now. Oh, this is the man Otedola mentioned in his book as recommended to him by Segun Agbaje, CEO of GTB, his creditor, to be CFO of Forte Oil.

When you’ve been poor and then rich, you can sometimes give good advice freely, but most of your advice would be wrong, as it discounts luck. When you have been rich and then poor, then rich again, you will learn not to give advice freely until you’ve listened to people carefully. It is very easy to listen to the rich man talk and believe that if you follow their path, you will likely become rich. The truth is that the path to wealth for everyone is unique and depends on how well they use their advantages. This morning I took my family out for brunch and met a guy who fixes ships and tankers. A very understated guy who helps others who take risks to build and protect their wealth. He told me of his current boss, who is on his 4th tanker and looking to do 20. His boss is 35 years old and a Nigerian of Indian origin. His own father is very wealthy. He can take advantage of his father’s wealth to grow because he learned from his dad how to avoid the risks and pitfalls. I thought about my life and realized that I saw those risks and pitfalls with my uncle, whom I lived with longer than I lived with my father, and who raised me, but it was Herbert who learned the most and became rich. My uncle used to tell us that there is no crime at all in being poor, and in fact, most poor people are the happiest. The greatest crime is being rich and being poor again. You destroy hope for so many people in the process. It is why he always fought back after every adversity and came back up. I realized that I learned that part very well from him. It is the most valuable gift he gave to me. Those who learned from him and just became rich didn't see the full life cycle. Henry Abebe, Aigboje, Herbert, and I did. It changed all of us in different ways. For them, it was about taking maximum risks and winning. For me, it was to play the long-term game while remaining functional. My uncle turns 70 this year, and I have been with him for more than half of his life. I have seen that many risks aren't worth it. Life is meant to be lived and not performed. My biggest mentor is 80 and lives in Cornwall, England. I can't wait to visit him this summer, as I learned a lot more from him about the long game than anyone else. A business he started after age 60 generates millions of pounds in profit each month and is still growing. He and his wife now follow their granddaughter, who plays Rugby for England, around the world while his son runs the business.

Not a single sacrifice this President has made. When the economy is hardest, he makes zero sacrifice and lives large. Came into power and splurged on a new Jet, Yatch, mansion for VP, fleet of armored SUV, and billions for travel. Has a big cabinet with some of the most incompetent ministers we have seen. We now have an apartheid power supply system that has gotten worst. He goes off grid and splurges on solar. Fuel prices are high he mouths the same worthless CNG plan and tells Nigerians to be grateful. People are being killed in hundreds and lazily tweets 2 days later and when he manages go get himself to visit the victims, he addresses them at the airport. Every other day, something is being named after him. No decorum or class. Just embracing and encouraging shocking levels of subserviency from the shameless political class. Nigerians pay more for everything. A generation of young people are having their productive years wasted with no form of care or remorse. I have benefited absolutely nothing from Tinubu’s government. He promises better future that requires sacrifices. Sacrifices he has shown no interest in making. A leader should be an example. Make some sacrifices. Show you care. I don’t respect it!

Only him had used deep poverty to cure problems Fuel queues — gone. because he took fuel drive from 160 to 1400 in just 3 years. Let’s see if your father can afford it let alone queue for it ASUU strikes — gone. He captured the agency, dissolved all bodies, took away educational fundings. Within 3 years, most schools had more than 300% increase in school fees. Poor man dropping from school. Yet no one could speak for them because he destroyed all the agencies that can speak before hitting them with pain State bankruptcies — Worsening. We just kept borrowing more and more WITH NO RESULT. Before, if govt borrows, they’ll try to do something for citizens before stealing the rest. This one steals with impunity. Award 3.3 trillion to power (the same) project 3 times in 3 years with nothing better. Electricity — people now pay more than 300% increase for the same uselessness. An average Nigeria can’t even guarantee a 12 hour electricity in a day. With all the money said to have been pumped in this sector. This is a big shame. Insecurity — Worse than ever before. Now police don’t even interfere in kidnapping again. They just ask you to pay ransom. Private sector exits — Worsened. Almost all companies had exited Nigeria NGX decline — Naira had gone all time low. He took it from about 400 to 1400. More than 300% decrease Food inflation — so bad than a Tiber of yam has to be cut in slices for Nigerians to be able to afford it. I didn’t even know how much of a failure this man is until I realized you didn’t even have anything good he did to campaign. This is the Worst President ever in the history of Nigeria. We all should be angry and ensure he doesn’t see that sit again

A Jewish guy called Jacob finds himself in dire trouble. His business has gone bust, and he’s in serious financial trouble. He’s so desperate that he decides to ask God for help. He goes into the synagogue and begins to pray, “God, please help me, I’ve lost my business, and if I don’t get some money, I'm going to lose my house as well, please let me win the lotto”. Lotto night comes, and somebody else wins it. Jacob goes back to the synagogue. “God, please let me win the lotto, I’ve lost my business, my house, and I'm going to lose my car as well”. Lotto night comes, and Jacob still has no luck!! Back to the synagogue. “My God, why have you forsaken me?? I’ve lost my business, my house, my car, and my wife and children are starving. I don’t often ask you for help, and I have always been a good servant to you. Why won’t you just let me win the lotto this one time so I can get my life back in order???” Suddenly, there is a blinding flash of light as the heavens open, and Jacob hears a voice: “JACOB, MEET ME HALF WAY ON THIS ONE, BUY A TICKET!” I always remember this joke when I am praying for something, and the answers come to me in prayer as action items. There are always opportunities to get out of problems and be great; we just have to learn to invert situations to see them.

There are things one can comment on that people would not believe or understand. When people unfairly malign some founders, I get upset because I have seen them at their lowest and helped them with basic things they couldn't afford, even after they raised so-called “millions of dollars.” Many don't understand how startup funding works. Announcements may be made, but the money doesn't always come in one chunk, and overheads are insane when you are growing fast. This is why I am always against large fundraising announcements, as they are rarely a true reflection of the truth. Even VCs who do fundraises never get all the money at once and sweat through capital calls. A relative in the industry once came to Ghana and was looking for a cheap hotel. I didn't understand why someone who gave out millions of dollars was living like that until I was on the other side. Those management fees don't land like the lottery. You suffer for it, and it doesn't cover much. It was why I decided not to do that anymore and take life easy. So many of the perceptions people have about wealth are wrong. Cash flow is everything, and things can go horribly wrong when inflows and outflows are mismatched. I have repeated several times here that my uncle, with all his banking career income and billions of Naira in assets, was down to his last 1000 Naira at home in 1999, yet we still ended up buying a bank that year. The lesson of coming out of that hole never left me. It is why I make some small, random investments that people may not understand, which sometimes pay off unexpectedly. A domain sale once helped to pay my children’s school fees. A paid Calendly appointment bought my wife a set of tires and a fridge. The key is ALWAYS to keep earning and investing in what can sustain cash flow. There are investments for capital gains and for cash flow. The magic in all of this is keeping the burn rate low. No amount is too small to save or make. An unexpected £150 overdraft from Barclays during my lowest period enabled me to take clients to a dinner that changed my life.

I am now worried. This young man is on holiday but is obsessed with writing in GDScript for the Godot game engine. Which is like Python. He is doing animations and shit now using Blender and exporting it to Godot. I don't know if this is normal 12-year-old boy behavior or if he is hanging out with too many nerds. He says he learned it all from YouTube. Bill Gates talked about being obsessed with something at 13 and I thought it would be a physical sport like golf (which he loves) or something else like swimming which is is also good at. Dude just became a full nerd after a semester and a half of boarding school. He says vibe coding is lame. What have we done??

There was a time in my life when I was very active in making contributions to bereaved people and giving wedding presents. When it came to my turn, only my very close friends came to my wedding, and when my father died, nobody sent me anything. I didn't keep score or plan revenge or anything; I just stopped doing what I used to do because I realized it didn't make any difference whether people contributed or not. I was even happy that they did not. I planned my wedding together with my wife and her family, and I was happy my friends joined us. We did my father's funeral quickly and got it out of the way because it was a very sad period for my family, and the conflict over property didn't help matters. The crazy thing is that there are people who still bear the guilt of not being able to assist, and I keep telling them that all is well, but they don't seem to believe me. I never want to guilt people into believing that they owe me because I also try not to get into positions where I feel too indebted. The beauty of friendship is that things should flow normally and uninterrupted; it should not be a burden. Some African friendships sometimes become burdens as there are too many obligations and expectations. Family is another thing I have now learned how to handle. I don't expect too much from family members anymore. They should live their lives in peace. I used to hold a grudge against some family members over some meaningless things, and I wasn't happy that they didn't show up at my father's funeral, but that is all in the past now. It didn't make any difference. My cofounder and friend of 35 years died and was cremated in australia and I was not there. I started to feel guilty, but I realized that if he were alive, he would have understood the headache of getting a visa and planning the trip. The beauty of our friendship over 35 years was that we did not place needless burdens and obligations on each other. I still plan to go visit his family there soon, but it will be after the world has settled down and flights make sense. I wish I had made this trip much earlier, as we had planned, but I also know that Salil would understand. He was a truly great friend.

A MIT professor taught the same lecture every January for 40 years, and every single time it was standing room only. I watched it at 2am and it completely rewired how I think about communication. His name was Patrick Winston. The lecture is called "How to Speak." His opening line hit like a truck: your success in life will be determined largely by your ability to speak, your ability to write, and the quality of your ideas in that order. Not your GPA. Not your pedigree. Not your IQ. How you speak is what separates people who get heard from people who get ignored. Here's the framework he drilled into MIT students for four decades. He said never start with a joke. Start by telling people exactly what they're going to learn. Prime the pump before you pour anything in. He called it the "empowerment promise" give people a reason to stay in their seats within the first 60 seconds. Then he broke down the 5S rule for making ideas stick: Symbol, Slogan, Surprise, Salient, and Story. Every idea worth remembering hits at least three of these. The part that floored me was his "near miss" technique. Don't just show what's right show what almost looks right but isn't. That contrast is when the brain actually locks something in permanently. His final rule before any big talk: end with a contribution, not a summary. Don't recap what you said. Tell people what you gave them that they didn't have before they walked in. I've used this framework in pitches, interviews, and presentations ever since watching it, and the results are not subtle. Patrick Winston passed away in 2019, but this lecture is still free on MIT OpenCourseWare. One hour, watched by millions, and it costs absolutely nothing. The most important class MIT ever put on the internet isn't about code or math. It's about how to make people actually listen to you.

📸 - 16 YEAR OLD MAX DOWMAN HAS COME ON TO SAVE ARSENAL! BRING OUT THE PENCILS, THE SCRIPT IS ABOUT TO BE WRITTEN!

A mutual got debited of 395,424 from her GT bank account for no reason. She mailed them and was told it will take up to 40-90 days for it to be resolved. No good respond, no transparency and how it was taken out.. Today she went to the bank and the only good thing they could tell her was that there's nothing they can do.. She was told that even if she likes,let her sleep in rhe bank. They also told her she was the one that used the money. She didn't initiate the transaction but GT bank claimed she had used her ATM card to make the transaction.. Since you GT bank claimed the ATM card was used, why not should her the evidence? At least provide evidence indicating it was through the ATM that the money was deducted.. The nonchalant and "you will do nothing" attitude here is top-notch.. If it was a well known person or a rich person, I am very sure they will try to protect their bank and solve the issue at once.. Please let's create awareness for her so she can recover her Money.. Let's make this known to everyone.. If you have experienced this with any bank, please this is your chance to call them out.. This is the best Time to call them out.. don't air this please.. GT bank refund @AdageorgeA her money please!!!

This Neuropsychologist explains why kids can play video games for hours but don’t have the attention span to do homework for more than a couple of minutes

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@asemota This is a wake up call to young Nigerians. Let’s build businesses and empires that history will remember

This guy literally turns a 7-hour crash course into a 27-minute guide to master Claude Code:

Bro saying it as it is

I have made a considerable amount of money in my life, and I have also lost a substantial amount. The regrets and lessons never happen while you are making money. You always have two modes, then, hubris or fear. Hubris when you think it is all by your abilities, fear when you know it is pure luck. The only time you start to breathe a little and think that you may have achieved a pattern of consistent increase is when things come out of nowhere to remind you never to be complacent. It could be an external or internal event. You begin to appreciate religion and have a healthy respect for things you cannot understand when it becomes too frequent. The concept of chaos monkeys invented by Netflix got me thinking a lot recently. They build resilience by testing their fault tolerance randomly. Humans are not as fault-tolerant as we think. The hardest person you think you know is probably almost at the point of cracking wide open because of accumulated stress. There are things I am handling right now that I would never have dreamt could happen all at once, but I smile through it all as I have been in many battles. This is yet another. I am always grateful that God never gives me more than I can handle. I go through it with gratitude. I have learned over time that the most important thing you must do is to remain functional and never get overwhelmed. Exercise and sleep are the most important during your worst trials. Humor and relationships are also even more vital. This is why family and friendships are the best assets we can ever have. It is important to nurture them. Family and friends increase fault tolerance. They help us weather storms as they help to bear the burdens. Most of the problems I think that I have today aren't really personal but family-related. If another member of my family has a problem, I have a problem. It is why I don't do open philanthropy. There are enough problems to handle at home. We may make fun and complain about “Black Tax” here but the reality is that we are likely paying forward help that was provided in the past. If someone who saved your life before is going through it, you can't leave them alone. This is why I still believe that most Africans are happier than others even though we own less. We are happier from doing our best to help those who need our help. I have learned to have a sense of gratitude for being given the presence of mind and resources to be able to help others. It is why I try to never waste any of the resources I have anymore, including my time. Billing more for my time has solved more family issues than I can recount. Today, I want to openly thank someone who paid for my time to be able to help others who could not pay for my time, and in the process he saved the life of a family member. More blessings to you bro. You know yourself.