There’s a quiet voice inside you whispering a big idea. Maybe it’s a business, a platform, a solution to a problem you’ve experienced or simply a creative vision that won’t go away. But alongside that voice is another one, louder and far less kind: “Who are you to do this?”“Someone else is already doing it and doing it better.”“You’re not ready.” This is imposter syndrome at work, and if you’ve ever felt it, you’re...

Have you ever had a brilliant idea burning in your mind, but found yourself frozen, waiting for the “perfect time,” the “right resources,” or to feel “fully ready”? If so, you’re not alone. The truth is, you may never feel completely ready. And that’s exactly why you must start before you think you are. Perfection Is a Moving Target Perfection is seductive but paralyzing. The more you chase it, the more it moves. Many aspiring entrepreneurs...

As of May 2025, Nigeria's economic landscape is marked by significant developments in its relationship with the International Monetary Fund (IMF). The nation's full repayment of the $3.4 billion emergency loan received during the COVID-19 pandemic and the conclusions from the 2024 Article IV Consultation underscore both progress and ongoing challenges. 🇳🇬 Full Repayment of IMF COVID-19 Loan In April 2020, Nigeria secured a $3.4 billion loan from the IMF's Rapid Financing Instrument to...

Here's a blog post on bad financial habits, perfect for raising awareness and helping readers make better money decisions:     ---   Title: Break Free: 7 Bad Financial Habits That Are Draining Your Wallet   Good financial health doesn't happen by accident—it’s a result of consistent, intentional habits. Unfortunately, many people unknowingly sabotage their financial well-being with poor money practices. These bad habits may seem minor, but over time, they can...

Risk is an inherent part of any business operation. Whether financial, operational, strategic, or compliance-related, risks can impact an organization's stability and growth if not properly identified and managed. Understanding how to identify risks effectively is the first step in building a resilient business. This blog outlines a structured approach to risk identification, covering key methods and best practices to help businesses proactively mitigate potential threats.   1....

you are to understand that those whose businesses fold up did try hard enough, and those who ended up investing in a bad portfolio did do their thorough research. This means everything worth pursuing whether it's starting a business or investing in the stock market has a 100% odd of succeeding or failing. Luck is what happens when it succeeds and risk is what happens when it doesn't. A lot of people would detest you attributing their accomplishment to luck especially when they find they had...

Aren't there solutions? There are. Understanding the role of luck and risk as you navigate your financial journey will help you make plans for the inevitable. Before making any investment decisions you should be sure you have arranged your life well enough so you don't get wiped out completely if your investment doesn't pay off. By doing this, you give yourself the chance to keep playing the financial game until the odds fall in your favor. Finally, learn to forgive yourself and make room for...

Nothing Is As Good or As Bad As It Seems. Luck and Risk are siblings. They are both the reality that every outcome in life is guided by forces other than individual actions/efforts.   Luck and risk are two sides of the same coin—both influence outcomes in life, but in unpredictable ways.   Luck is when positive events happen due to factors beyond your control (e.g., being born into a wealthy family or meeting the right person at the right time).   Risk is the possibility...

Why Is Financial Diversification Important? 1. Reduces Risk and Minimizes Losses If all your money is tied up in one asset—such as a single stock or industry—you are vulnerable to significant losses if that investment declines. Diversification ensures that poor performance in one area doesn’t devastate your entire portfolio.   2. Provides More Stable Returns Different asset classes perform well at different times. While stocks may be experiencing a downturn, bonds or...

        The Need for Financial Diversification Protecting and Growing Your Wealth: In an ever-changing financial landscape, relying on a single source of income or investment can be risky. Economic downturns, market volatility, and unforeseen circumstances can put your financial security at risk. This is where financial diversification comes in—a strategy that helps you reduce risk while optimizing returns.   What Is Financial Diversification? Financial...

Over the past two decades, the Nigerian passport has experienced a notable decline in global mobility. According to the Henley Passport Index, Nigeria ranks as one of the 18 least powerful in 2025.. Currently, Nigerian passport holders can access 46 countries visa-free or with visa-on-arrival. However, this still leaves over 180 countries requiring a visa, visa-on-arrival, or e-visa for entry. To enhance travel freedom, obtaining certain strategic visas can significantly strengthen the...

Securing investment is a crucial step for startups and businesses looking to scale. However, investors don’t just throw money at ideas—they invest in projects that show potential for high returns. If you want to win over investors, you must understand what they are looking for and present your pitch effectively. Here’s a breakdown of the key factors investors consider when evaluating a project. 1. A Clear Problem & Solution Investors want to see that your project...