Articles
Tips On How To Be A Millionaire In Nigeria

Indeed, becoming a millionaire at the age of 30 in Nigeria without recourse to ‘yahoo yahoo’ (Nigerian acronym for internet fraud), pilfering funds, or being used as a political thug is possible. You don’t have to hope for winning the grand prize in the Big Brother Africa, any other reality TV shows, becoming a pop star or sportsman. Again, it is 100% possible and actually easier now than it was decades ago. What does it really take to produce substantial income early in life? Below are a few strategies which are also common in the outlier community of young millionaires.
Prioritize, prioritize and prioritize
One of the first things you have to do to become very successful early in Nigeria is to prioritize, you need to decide what you want as early as possible and draw out plans on how to achieve it, your plan should be clearcut and should include things like – Where you would live, if and when you would be married and have children, whether you would attend college or start a business, what type of freedom you would have and more. You need to write a personal mission and vision statement in a notebook, plastered it in your car and the mirror of my bathroom, paste it on the walls of your bedroom, think and dream about it and you’ll one day live the dream.
Also part of your plan should include answering questions such as: What would it take to achieve this vision? What behaviors would you need to adopt? How should you budget your money? What type of girl should you be dating? Nothing should be left to chance. Although this may seem a bit “overly-structured” for a young person, it’s this level of prioritization that often makes the difference between those who find freedom, wealth and success, and those who don’t.
Be Good With Money
For anyone to be successful at this age takes a considerable degree of discipline and ingenuity to manage money, this is especially true if you come from a family that never quite got it right.
In order to make it at 24, you must understand these things and be able to answer some related questions:
1. What efforts will undoubtedly make money in a sustainable and scalable way: Is it starting a business, positioning yourself for a lucrative career, or generating passive income streams.
2. How can you live a life well below your means: No debt (no matter what), saving 20% of their monthly income, not buying things you don’t need, and keeping expenses very low.
3. What is the makeup of a good investment in Nigeria today: Reinvesting profits into measurable efforts, low risk, and high return opportunities, and intelligent asset purchasing (houses, cars, and equipment), Information Technology.
The good news is that all of this can be learned. A few books, classes, and a dedication to healthy financial management will put you far ahead of the crowd.
More Steps That Guarantee Being a Millionaire by 30
1. Follow the money. This is number one basic rule of money – follow the money, the truth is unless you’re earning huge amount of money on monthly basis, you cannot save your way to millions or millionaire status, you need to systematically figure out a way to increase your income and repeat the process to multiply it. Start following the money and it will force you to control revenue and see opportunities.
2. Save to invest, don’t just save for saving sake. Don’t just save to buy a new car or house, rather save to invest what you’ve saved. Put your saved money into secured, sacred (untouchable) accounts. Never use these accounts for anything, not even an emergency unless it’s investments.
3. Don’t show off – show up! Don’t buy that new car until your businesses and investments start producing multiple secure flows of income. Be known for your work ethic, not the trinkets that you buy.
4. Get yourself a millionaire mentor. Most of us were brought up as middle class or poor and then hold ourselves to the limits and ideas of that group or social status. If you cannot find a millionaire that could mentor you around where you live or work, go over to the internet, read books, study millionaires to duplicate what they did and how they got there. Get your own personal millionaire mentor and study them. Most rich people are extremely generous with their knowledge and their resources and would be willing to offer help
5. Avoid debt that doesn’t pay you. Make it a rule that you never use debt that won’t make you money. Rich people use debt to leverage investments and grow cash flows. Poor people use debt to buy things that make rich people richer.
6. Treat money like a jealous lover. Millions wish for financial freedom, but only those that make it a priority have millions. To get rich and stay rich you will have to make it a priority. Money is like a jealous lover. Ignore it and it will ignore you, or worse, it will leave you for someone who cares.
7. Poverty makes no sense. Poverty sucks, eliminate any and all ideas that being poor is somehow okay. Bill Gates once said, “If you’re born poor, it’s not your mistake. But if you die poor, it is your mistake!” And I absolutely agree.
8. Money never sleeps. Money doesn’t know about clocks, weather, schedules or holidays, and you shouldn’t either. It cares for people who have a great work ethic. Never try to be the smartest or luckiest person – just make sure you outwork everyone.
9. Get your money to do the heavy lifting. Investing is the Holy Grail in becoming a millionaire and you should make more money off your investments than your work. If you don’t have surplus money, you won’t make investments.
10. Shoot for N100 million, not N1 million. The single biggest financial mistake a lot of people make is not thinking big enough. I encourage you to go for more than a million bucks.
Apply these 10 steps and they will make you rich. Stay away from people who suggest your financial dreams are born of greed. Avoid get-rich-quick schemes or very high-risk investment programs. Be ethical, never give up, and once you make it be willing to help others get there too, you’ll make even more as you do this.
How are you tracking on the millionaire path? Maybe 30 is too early for you, what about 35 or even 40. What is working in your strategy? Let me know in the comments below and please share this post with your friends and they will appreciate it.
Articles
What is NIN number in Nigeria?

According to Wikipedia, a national identification number, national identity number, or national insurance number is used by the governments of many countries as a means of tracking their citizens, permanent residents, permanent residents, and temporary residents for the purposes of work, taxation, government benefits, health care, and other governmentally-related functions. The number appears on identity documents issued by several countries.
Below are 7 things you need to know about the NIN in Nigeria
- The NIN is your assured digital identity
- The NIN is a set of 11 numbers assigned to an individual at the completion of enrolment into the national identity database
- The NIN is cannot be transferred from one person to another
- The NIN is used to verify your identity as a citizen
- Your NIN is what identifies you and can suffice for ID purposes
- The NIN is for life, it does not expire
- The NIN is a must – have for all citizens
Visit http://nimc.gov.ng/ for more details
Articles
Nigeria @ 60: 10 Reasons why Nigerians must celebrate by Olumide Toyinbo

Nigeria gained Independence from the Great Britain on 1st October, 1960. Ever since then, October 1 has been set aside to celebrate the nation for its freedom from the shackles of colonialism. 2020 is the 60th time Nigeria will be marking the day.
A majority of Nigerians are not happy about the state of the country and suggest that no one should celebrate Nigeria at sixty years of age. Corruption in governance, unemployment, inadequate social amenities, kidnapping and many other breaches of sanity steal the atmosphere of the nation.
Amidst all, these ten reasons posit why Nigerians must celebrate and merry on this day, 1st October, 2020.
They include:
- There is hope for Nigeria
Hope is not finished for Nigeria. Nigerians can still have progressive dream for their dear country, whether such dream translates to reality in due time is another thing. Nigerians contesting political positions can come with promises of change and development every four years. There can be better days ahead if conscious and right efforts are made. Nigeria can be better.
Read Also: [Full Text] President Buhari’s Independence Day Speech
- Nigeria is sovereign
If Nigeria were still dependent literally on another country, Nigerians would definitely be under external control too. Colonialism is not a thing to wish for. The fact that Nigeria is independent is worth celebrating. Nigeria has the free political will which she guard jealously and being held in high esteemed by other countries.
- Nigerians are doing well
Nigerians are doing well and making the nation proud within and outside the country. Nigerians are hustling in an innovative manner and engaging in legitimate ventures they find worth doing, be it business, research, production, governance, diplomacy amongst other things. Many distinguished persons are making Nigeria proud even though few some still put her in bad light. Recently, a Nigerian, Kaycee Madu was made first Black Canadian Justice Minister, this is a pointer to how well Nigerians are doing in disapora.
- Nigeria is not in wartime
War is not fun. Those who witnessed the civil war of 1967 to 1970 will always have unpleasant tales to tell about the war which was characterised by colossal loss of lives and valuable properties. Nigeria at 60, we are in the peacetime, the rule of law is obtainable and right to life is not outrightly threatened, for this Nigeria must celebrate, notwithstanding the fact that Nigeria can do more in this regard.
- Abundance of Resource abound
Despite mismanagement and underutilisation of resources Nigeria is blessed with by caretakers, those rich natural resources have not vanished the land. Oil still flows, limestone, iron ore and marbles have not been used up, plants still grow generally in the country, many other resources abound. Nigerians must celebrate her national pride.
- Diplomatic ties are not severed
The sixty year old nation enjoys good relationship with countries around the world. Conflicts with any nation are well resolved before escalation. Worthy of mention is the recent issue of flight ban between Nigeria and UAE which was settled in due course. The wonderful relationship with other nations has led to great development in the nation via financial aid, infrastructures, medical facilities supplication, scholarships and lot more other benefits.
- Nigeria remains the Giant of Africa
Nigeria remains the Giant of Africa against all odds. Nigeria has got the number being the most populous Black nation in the world. She has one of the largest economy in the developing world. For her diversity, heterogeneity and abundance of resources, Nigeria remains the giant of Africa. This has forever remain an identity that won’t fade, Nigerians need to celebrate for that. Many other nations want to be called Giant.
- Nigeria’s beautiful Culture persists
Awesome culture is an interesting part of being Nigerian. Every tribe has its fantastic way of life. Culture is beautifully diverse. Nigeria has numerous clothing manners, sense of fashion, building styles, delicacies amongst other things. Despite sixty years of independence, those culture of awesomeness tarry. Nigerians must celebrate this.
- Nigeria is a country with funny and happy people
So many hilarious persons domicile in the Giant of Africa. Nigerians love to make one another happy. A good number has turned it to a venture making huge amount for them. This lay emphasis on Nigerians’ innovative prowess. A scroll through any social media platform is enough to confirm that. Nigerians are deliberately happy people despite all what they face.
- Independence day is once in a year
1st October comes only once in a year. Celebrate Nigeria on this day and hope for better days ahead while doing your part diligently.
Articles
15 Types Of People You’d Meet In Nigerian Banks

When it comes to temperament, there are basically four kinds of people on earth, but when behaviours are in play, you can be sure there is a plethora of them. If you bank regularly, you will easily relate to the things on this list. You must have encountered one or more of this kind of people in a bank, they are everywhere and can really get on one’s nerves. Check them out.
1. The Pen Borrowers
It won’t hurt if every Nigerian will spend N20 to acquire a pen rather than borrowing one in a bank which they usually fail to return. Once you lend out your pen to these borrowers, you have to close mark them else your pen is gone for good. It’s either you won’t recognize the person again or he will tell you “sorry I gave it to the woman over there” when you finally fish him out. Pen borrowers would not bring a pen to the bank but would go home with more than one, this is why most banks attach a rope to their pens. To think that these banks do not trust customers with a common pen, while the customers trust them with their life savings, is alarming.
2. The People Who Always Forget to Drop The Duplicate Slip
It’s either they are in a hurry or are a novice to the banking procedure. These set of people after their transactions will just march out of the banking hall, pink slip in hand. Then later rush back to drop it or complain about an unsuccessful credit transaction which is most often their fault. They raise their voices in their ignorance and succeed in attracting the attention of virtually everyone in the hall.
3. The Ghost Queue Members
Also known as “I’m behind you” people, these types are really annoying. The first thing they do when they enter a bank is to pick a spot in the queue before going to get deposit/withdrawal slip. Just when other faithful queue members are about to get to the front, their ghost colleagues show up to claim reserved spots. It gets funny at times when about ten people would tell one person “I’m at your back,” only to come back to see other ghost members claiming the same spot. At the end of the day, this causes confusion and if the bank officials do not intervene it may result in a serious fracas.
4. The Queue Jumpers
These ones are worse than the former, they don’t believe in the Nigerian phrase – first come, first serve. They walk into the banking hall and head straight to the counter as though the people in the queue permanently live there. The rich and influential do this a lot, but it will only be courteous for them to seek permission from the people behind them before jumping the queue. Even President Obama once jumped a queue apologetically at a barbecue joint in Texas, he even went ahead to buy lunch for the family whose spot he took. Some other people jump queues systematically by giving the person in front their money to help them pay in.
5. The Bank Door Rejectees
Sometimes it’s the people at fault and other times the stubborn door that would not let them in. These people will always have a problem with bank doors, and before you know it they will start stripping off their belts, keys, mobile phones, umbrella, pieces of jewellery and of course, weapons if they have any.
6. The Wealthy Customers
These people can take forever in a bank with huge amounts of money, making other customers with little money wait for hours before doing their transactions. It also happens during ATM withdrawals, this kind of customer will keep withdrawing until the person behind him who probably has just N5,000 in his account would plead with him not to bankrupt the machine. Nigerians are good at bad mouthing though, ‘Oga you wan finish the money?”
7. The Slip Wasters
It’s amazing how people can make silly mistakes on slips as though they were writing JAMB. This kind of people can waste slip, they keep cancelling, tearing, squeezing and taking another one. The most difficult part is writing the amount in words, they just keep rewriting the word version of N8735 to get the most accurate spelling.
Check Out: I Can Date Your Daddy, Stop Playing With Me” – Omohtee Warns Ladies
8. The Trouble Makers
The best thing is to avoid these type because any slightest comment or contribution will aggravate their anger. They come to the bank to fight the manager and any other person that crosses their path. They are the ones who right from the entrance start lamenting about how the ATM debited them without paying, and how the bank must revert their money else they would close down the account.
9. The Waiting Thief
If you are sensitive you will notice that not everyone that comes to the bank is a customer. Some are there to monitor customers who leave with big money and then follow them outside to steal from them. You will see them hanging around without doing any transaction, just looking around and passing information with their mobile phones to their colleagues outside even though they know it is not allowed to use your mobile phone in the banking hall.
10. The Exile Men
These set of people probably just woke up from 1999, and usually do not remember the date. They will ask you for today’s date and even after you tell them the correct date, they will ask someone else to confirm.
11. The Rest Room Users
The only reason they come to the bank is to use the restroom not to deposit, withdraw or inquire. They would walk in majestically, pick a slip from the counter and then pretend to be filling it while trying to locate the restroom with their eyes. Once their bowels have been emptied, they squeeze the slip and head out of the bank feeling relieved and happy with themselves for a successful mission.
12. The Idle Bankers
This applies mostly to ladies that have no business in the bank and they are not thieves either. It’s either they accompanied someone to the bank, or they just came in to pass time and enjoy the chilling atmosphere. Some very idle people go to the extent of spending an hour in a bank doing the following; queue up to withdraw money from their account, join another queue after withdrawing to deposit the same money into the same account. How pathetic can they be?
13. The Meticulous Counters
This group of people do not want to hear that their hard earned money was short of a note after they leave the bank, so they would take hours still on the queue, counting and confirming every single note.
14. The Questionnaires
You would find mostly teenagers and older people as human questionnaires in a bank. They would ask you about everything in the bank and where to fill in their details. The only thing left is for them to ask you to help spell their name.
15. The Perverts
These are the rarest but most irritating people you would find in a bank. They are mostly guys and would always want to queue behind or in front of a lady (a well endowed one). Basically, their aim is to feed their eyes with boobs/butt. If possible, they would occasionally brush their hands over it and then say “sorry, it was a mistake.” How are we sure it wasn’t a mistake? It keeps happening!
- Business4 years ago
The Biggest Container Ship Ever To Come To Nigeria Berths In Onne Port, Rivers State (Photos)
- Q & A4 years ago
The 8 Hierarchy of Courts in Nigeria Explained: Functions & Jurisdiction
- Business5 years ago
CBN returns over ₦60 billion excess bank charges to customers
- Politics5 years ago
Gbajabiamila Gives Akpabio 48 Hours To Publish Names Of Lawmakers Awarded Contracts By NDDC
- Business4 years ago
All you need to know about bitcoin
- Politics4 years ago
Full List of Nigeria’s Senate Presidents Till Date
- Politics7 months ago
Breaking: UAE lifts visa ban on Nigerians
- Politics5 years ago
List of all State Governors in Nigeria