So I did small experiment last week. I asked 10 random people - keke driver, student, corper, market woman - "If I give you 100k right now, wetin you go do with am?" The answers? Wahala. 3 people say "I go flex am" - club, new hair, iPhone. No shame, enjoyment na part of life. But 100k finish in one weekend. Then you back to square one, plus headache. 4 people say "I go save am" - Which bank? With inflation at 30%? That 100k go be 70k value by December. Saving without investing in Nigeria na slow punishment. Your money dey lose weight every day. Only 3 people had plan: 1. Mama Nkechi, food seller at Yaba: "I go buy bag of rice and small nylon, start selling 1 derica pack. I go turn am to 140k in 2 months". Business brain. She understand turnover. 2. Tunde, final year UNILAG: "I go buy second-hand laptop from Computer Village, learn video editing on YouTube, start charging 15k for content". Skill investment. He dey play long game. 3. Aisha, corper in Port Harcourt: "I go buy data, pay for UI/UX course on Coursera, build portfolio". Digital skill. She knows where money dey in 2026. The difference clear: Consumption vs. Investment. In this 2026 economy, 100k no fit change your life if you spend am. But it fit start the thing wey go change your life if you invest am. Question: If 100k enter your account right now, are you spending, saving, or investing? Be honest 👇🏾 No judgment here. We all dey learn.
