Freggillicious

@BlehisBack 😂😂😂

Person go use Monday to Friday preach financial literacy. How investments and financial awareness can change your life. One bet ticket go just land, and in 2 seconds counter everything 😭😭 How do you convince people seeing those kinds of wins to believe in the stock market instead?? 🥲

Before committing any capital, experienced investors want the prospectus to answer some things. What are the actual audited revenues and profits? What is the full debt repayment schedule and at what interest rates? What are the off-take agreements guaranteeing buyers for refinery output? What does the refinery earn per barrel after all costs and debt service? Those are not pessimistic questions. They are the minimum standard for any investment at this scale.

Most of the valuation figures being discussed right now are analyst estimates. The Dangote Refinery is a private company. It has never published audited financials that the public can scrutinize. The prospectus will be the first time serious investors see the real numbers. Revenue. Profit margins. Cash flow. Debt repayment schedule. All of it. Any investor who has already decided to put serious money in without seeing that document is not investing. They are trusting a story they have not finished reading.

The dollar dividend is the most exciting part of this IPO. It is also the part most investors are not reading carefully enough. The Dangote Refinery carries billions in debt. That debt is paid before any dividend reaches you. Interest. Principal. Loan covenants. All of it sits ahead of you in the queue. The dollar dividend story is real. But whether it is as large as the excitement suggests depends entirely on what is left after debt obligations are settled first.

In late 2025 analysts valued the Dangote Refinery at $20 to $25 billion. By May 2026 that figure had jumped to $40 to $50 billion. Same refinery. Same location. Nearly double the price in under six months. The refinery hitting full capacity justifies some of that increase. But serious investors are not accepting that number until the prospectus shows the audited financials that support it. A valuation is not a fact. It is an argument. And no serious investor accepts an argument without seeing the evidence.

Everyone is excited about the Dangote Refinery IPO. The serious investors are not excited yet. They are not against it. They are waiting for something most Nigerians have not asked for yet. The actual numbers. This thread shows you exactly what they are looking at before they commit a single kobo.

On Marital Kindness Now the dust have settled on Uvo’s divorce, it is important we address the elephant in the room that has made everyone mount the wall of Jericho in their personal lives. Many people are afraid of investing in a partner out of fear of being hurt in return and made to look like a fool. But marriage unites and relationships come with responsibility. If you’re going to marry a person, you have a responsibility to love and to cherish. You have to make them believe because you believe, and give them wings to fly. That is why your vetting process must be thorough and you must take their behavior seriously. There are no guarantees , but it is always better to err on the side of due diligence than blind faith. Many of you have so much to lose and you’re partnered up with someone that has nothing to lose. Long term, investment in the union is mostly one sided. If you are in such kind of partnership, it would be assumed that it is what you like. The sacrifices and investment you make in your partner is meant to improve their life and the overall welfare of the family. Half the time, it works fine and the other half brings tragedy. Nobody can ask you not to love your partner because you chose them and you have a responsibility to love them. However, the words of Jesus must always find its way in your heart - “where your treasure is, that is where your heart will be.” A marriage unites two people as one, including their finances. While there are no guarantees, the odds of commitment are infinitely higher when both parties are fully devoted financially to the union. It already takes devotion to commit your finances, and because your finances are invested, your heart will always be there because you want to reap the rewards. It is easy to be indifferent to a relationship where your finances are not invested. Making money is not enough. You need to understand the bond between the heart and finance. You would think you’re good by carrying all the financial responsibility when you have a working partner, but it might just be the very thing that cracks the wall. Everything you have belongs to the family - quite alright. But everything your partner has also belongs to the family. If you’re the only one investing your finances in the home, it is only your heart that is guaranteed in that home. Investing financially into the home is not just about money and who makes more, it is about ensuring devotion. A person’s heart is always where their money is. Don’t you want to at least be certain your partner’s heart is present? What exactly are they using their money for if it doesn’t go into the family because wherever that money goes, that is where their heart is. It is not unkindness to not want to be the sole investor in a union of two. It is actually kindness that wants mutual kindness. You are both putting the relationship first before self. Even if it goes wrong later in future, at least you know you both brought your best foot forward and invested in it. There would be no malice as with when you solely invested and you’re lamenting about how much you invested into the other person while they did nothing. If it works fine, you can both drink to your deliberate act of love and commitment to each other. Again, where your treasure is, that is where your heart is. There is no exception. Don’t odogwu yourself into self harm. Nobody who loves you holds back their finances. NOBODY!

This babe said she wants the type of guy that would ask her if she is free in 2 weeks because he wants to fly her to Dubai and fly her first class. She said any man that flies her economy is a useless person. Such a person cannot love you and has zero desire to love. This performative love that is Instagrammable is delusional. . . . There is a lady that loves Malta Guinness. My guy bought her two crates and she melted in his arms. I know another one that loves avocado and anytime her man buys avocado for her, she lights up like a child. True desire! I always wonder if you people don't enjoy life's little pleasure. Don't you have something that you genuinely enjoy when nobody is watching? You see that mama that sells ewa agoyin and soft bread that you enjoy, tell your date you love her food. You love climbing trees and plucking ebelebo, tell your person. You enjoy the silliness of solidifying milo and chewing on it like a snack, tell your person. If you're afraid to tell your person what you really enjoy, it is not love. 1Jn 4:18 says "there is no fear in love. But perfect love drives out fear, because fear has to do with punishment. The one who fears is not made perfect in love." Try to enjoy things that do not require external validation. A girl saw a public proposal and she spoke out that if she doesn't get something like this, she is not accepting it because she does not deserve less. Her friend asked her, would you be okay getting it if you won't have to post it on social media and she said No. So it is not that she actually likes it, she just wants to pepper people and get validation. Some of the thing you people crave, you do not really care about it. You just feel like it elevates you in people's eyes. Don't murder the child in you trying to live up to external validation. Do the things that make the child in you, light up.

I've been seeing different takes and reactions flying across the timeline about Otedola's book, and honestly, it's starting to feel like religion, where yours is always right, whether it's right or not. From this lense, I can boldly confirm that there are levels to being poor. Yes, your struggle is another person's wealth. It is therefore fair to say someone who has never touched the deep, dark basement of poverty can't possibly teach you how to crawl out of that pit and build something monumental from it. Now, from that lense, I totally get how painful it can be when all your hard work gets credited solely to the connections you had along the way. Influential ones are not supposed to take that lightly, especially the ones who actually put in the work like everyone else. It's frustrating to have your sweat ignored or reduced to "privilege." That’s just plain unfair to anyone. Now the big question: Should you read a book (like that) written by a heavily privileged rich person? Let me ask the question this way: Should you accept answers from someone who solved their math with a calculator? Should you accept a software from a developer who debugged with AI, or only those who survived the Stackoverflow rabbit hole? A better question would be: Why not? If there’s something to learn from both sides, why throw one away? At the end of the day - rich or poor, educated or not - whoever is feeding you their “how-to,” it's your responsibility not to swallow it raw like a machine without filters (even machines now argue and reject). We’re humans with brains. So, pick what’s considered feasible, and learn to say, “No Uncle Otedola, this point you made here is definitely not coming from a place of experience. I get it, you’ve not walked this side of life before. I’ll just pass and move on to the areas where you clearly know your stuff.” I've read books by popular authors where I literally paused mid-sentence to say, “I disagree with you here, Mr Harari,” or “It's not that straightforward, Mr Trump,” and then continued reading like nothing happened. Filters. That you're poor and lacking connections doesn't mean a privileged person can’t teach you other important things like how to retain wealth, build meaningful networks, expand your reach, or establish generational impact. The real jokes however, will be on you if you blindly discard valuable books or messages simply because the author’s path to success doesn’t look like yours. Concluding there’s nothing to learn from a different path is, frankly, short-sighted. Ko je bo se je o. 🤝 #SaveItGH

@AjeboDanny @chrisdadiva The historical principles on which marital laws were executed needs to be revisited. There is so much abuse going on.

@Wizarab10 @chrisdadiva Anyone can just marry you for money or visa and then leave when they get what they want. Shit makes no sense.

@AjeboDanny @chrisdadiva Then start demanding a share of the other person's asset. It makes no sense

My hot take is that marriage should be permanent or at least difficult to exit. I don’t get how “till death do us part” can divorce in a week or less. If you can leave at anytime, what’s the difference between that and a regular relationship?

The secret to winning is learning how to lose. Things will not always go your way, so you must learn to handle failure. Failure is not the opposite of success. It’s part of the process.

"The iPhone you're using that was given to you by a woman, I bought mine with my money. We're not the same. There's no greater joy than being an Independent man!"

There is a satirical gender war ongoing where men are mocking women's financial incompetence and borderline stupidity, and your solution to it is... THIS??????

wait, una wan punish men by being decent?😭

@neo_officialll @Taiwo_junzi You're on a roll😂😂😂😂😂

Me in marriage My Divorce Glow

@MrMeekhano @Wizarab10 Guy, you dey crase?😂😂😂😂😂

@Wizarab10 Drag us online, beg for preek offline 😭

If to say I get babe now, I for no dey suffer. Hey Twitter, My name is Chuka. I’m 27 from Anambra. I’m a Christian residing in Lagos. I need a generous mature babe from 28 to 35 that is god fearing and has a good job. I can cook, clean, and knack very well. I’ll give you peace.

@TomolaGroup I've read; 1,2, and 3.

Five books that will teach you more about money than a finance degree ever will. 1. The Richest Man in Babylon: Written in 1926 and still the most relevant money book for anyone starting from zero. The core lesson is pay yourself first before you pay anyone else. 2. The Psychology of Money: Morgan Housel explains why smart people make dumb financial decisions. It is not about math. It is about behaviour. 3. Rich Dad Poor Dad: Say what you want about Robert Kiyosaki but the distinction between assets and liabilities in that book has changed more lives than most university curriculums. 4. The Intelligent Investor: Benjamin Graham wrote this in 1949. Warren Buffett calls it the best investing book ever written. If you only read one book about the stock market, make it this one. 5. The Millionaire Next Door: This book proves with data that most millionaires do not look rich. They drive normal cars, live in normal houses, and build wealth quietly while everyone else performs. You do not need all five. Pick one. Read it this month. One book can do what 10 years of guessing cannot. Which of these have you read?