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One thing I learned in 2025 is this: don’t let your money sit idle in an exchange or wallet for too long without purpose.
Trust me, you’ll either end up spending it unnecessarily or round tripping it back into the market.
The space is getting harder to make money in, and it’s wiser to start building wealth and sustainability early before things get even tighter.
I don’t have a magic way to make you money, but I think it’s important to share a few things to do once you start making money:
• Reduce black tax.
Stop giving people money just because you have it. Please be stingy with your money for now. This is not the time to be a helper; it’s the time to build wealth and grow your income. People will survive with or without your help. Be disciplined until you’re fully equipped to help others. You don’t carry another person’s load on your head while holding yours in your hand.
• Reduce your expenses.
You don’t have to ball or chop life all the time. You don’t need to buy that car or the latest phone with all your capital except it’s needed or you have enough money to cover for it. Keep your spending minimal and make sure money goes out for needs, not just wants.
• Open a fixed deposit account.
Access Bank gives you about 17% returns monthly on you fixed deposit With 10M naira you’ll be getting around 200k monthly which is enough to the bare minimum to cover ur expenses
Even if it’s ₦200k you have now, start somewhere. Make it a habit: for every dollar you earn, remove 15% and add it to your fixed deposit. Keep doing this consistently, and you’ll be surprised how much builds up over time.
• Create a Cowrywise account.
What I do is simple: every time money enters my account no matter how small or big, I move 10% into Cowrywise and lock it until the end of the year. This helps enforce discipline and long-term saving.
• Start buying gold.
Yes, gold. Crypto has made this easy you don’t have to wear it or hold it physically. You can create an account on platforms like @orogoldapp, complete KYC, and even start with as little as $30. From every win, buy some gold, stake it, and think long term.
• Pay subscriptions ahead.
For any service you’ll use regularly data plans, electricity, tools try to pay yearly, half-yearly, or at least quarterly whenever you make money. Always make sure essentials are covered first.
• Separate capital, profit, and expenses.
Don’t recycle everything you make back into chasing more money.
A simple structure:
•40% for reinvestment or grinding
•30% for savings
•30% for expenses
This isn’t easy, and it won’t feel comfortable at first. But it has saved me many times, and I felt it was worth sharing as we head into 2026. Don’t give the market back everything it gave you ❤️
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