“When the purpose is not known, abuse is inevitable.” Myles Munroe:

The tendencies to misuse anything is very high if you don’t know why it was made. That is why you will find a warning on drugs that says ‘keep out of reach of children”. Because they do not understand what it is and why it’s made, so they may mistake it for food and eat it. For the same reason, the manual is an integral part of any new product you bought; it tells us why the product is made, what it should be used for, and how it should be used.

If you are a child, as far as money and riches are a concern, God, out of love for you, will keep it out of your reach. That’s because if you only know how to spend money, and not why you have the money in the first place, you are in a dangerous disposition. It accounts for why several Christians have made money the Lord. They fail to understand that money is designed to facilitate your worship of the Lord, not to be your Lord.

We always ask God for money, but only a few will seek his face to understand the purpose of money. That’s why this topic is very crucial; it helps us to understand not only how to spend the resources that God has given to us to also know why God decides to give us that money in the first place.

The Life

Now, to understand why God gives you money as a Christian, you need to first understand why God even gave the life at all. This is because money isn’t the only thing God gives you; it is just a fragment of the life he has decided to give.

First, when you hear the word life, what comes to your mind? Anyone?
In summary, life can be broken into four major components – Time, Energy (strength), Resource, and Network (People). In other words, how you use your time, what you do with your energy, how you spend the resources at your disposal, and what you do with the people that God brings your way defines your life.

Therefore, to understand why God will entrust financial resources into your hands, you need to understand why He will ever give the other component of life.

The two forms of Objective

If you have ever done any academic research, you will understand that they are two kinds of objects in research – the broad and the specific objective. The broad objective talks about the project’s overall goal, what you intend to achieve or contribute to the body of knowledge at a particular time, while the specific objectives are the individual steps you will take to reach the overall goal.

God has both broad and specific objectives for humanity. He had something in mind before He said, ‘come, let’s make man in our own image”, there’s a reason he didn’t give up on man even after he fell in the garden of Israel, and that is his broad objectives.

His specific objectives talk about how he intends to achieve the ultimate goal, and guess what? He has made you the custodian of the specific objective. He’s counting on you to achieve these objectives for you.

It is expedient to note that God’s specific objectives change from generation to generation and differs from one person to another. But at the end of the day, they all work together for good and achieve the broad objectives.

It will interest you to note that, the day you gave your life to Christ, you were adopted by new birth into his Kingdom, and God is counting on you to achieve his broad of objective. So, every kingdom citizen has a specific objective assigned by God.

Made for His Pleasure

Going through the scripture, we can understand what God’s broad objective for creating the world is. Unfortunately, we cannot tell you what your own specific objective is. You have to find out by yourself, and you can do it through intimacy with him.

In order words, as long as you have no relationship with God, you cannot truly understand the essence of the money you have, so this message tonight is not even useful to you.

Haven said that what is God’s broad objective? We can find the summary in Revelation 4:11; I Love the old King James version.

Thou art worthy, O Lord, to receive glory and honor and power: for thou hast created all things, and for thy pleasure, they are and were created.

Yea, there it is. God created everything, including you, and decided to give you the power to make wealth, just for one purpose and for the broad objective of giving him pleasure. Just like a man who plants and tends to a Garden, he does it, not for the garden’s sake, but for his pleasure. So that He can behold it, admire it, enjoy its sumptuous, juicy, and succulent fruits, as well as enjoy the views. All these he does for himself and not necessarily for the garden. Shey, you get it!

In summary, why God wants you to be rich is that he should be able to derive pleasure from you. Come to think of it, which rich parents will love their children to suffer. He owns the cattle on a thousand hills; the scripture says the earth is of the Lord and the fullness thereof.

Why wouldn’t he want you to represent him as a true son in true riches? But when you give you the power to make wealth, remember that it is for his pleasure first of all and not mercenarily for your comfort first.

This understanding will lead you to go back to him and ask him to guide you on spending the money, where to invest it and what to use it for. Because you just know that it is for his pleasure.

Have you discovered the specific objective for your finance? Could you share with us how?



Happy New Year! Yes, I’m aware this is the fourth month of the year. Seeing that this is my first time in this space this year, I don’t want to miss the opportunity to wish you a Glorious 2021.

It’s 2021, and we have our journals or Notebook filled with goals, amongst which are our financial goals. Even if you didn’t write any financial goals down, I know you made a resolution to make more money this year or develop financial intelligence. Well, I did resolve and wrote it down to develop financial intelligence this year and make more money. I Almost theme this year ‘2021: Money!

I might not know all your financial goals and resolutions this year, but I have been able to spot some Foxes that intend to spoil the beautiful financial vine you want to build. So, please take your seat with a glass of Mango juice, and let’s spot these Foxes one by one.

1. A Negative Mindset towards Money. According to Sam Adeyemi, First within, next Without. Prosperity and poverty are flung out of the heart the same way. So, you have to be deliberate about watching the state of your heart.

2. Living from paycheck to paycheck. Get a Budget! You might have heard this a couple of times; this can never be overemphasized. Don’t be the person that believes everything goes as far as you have the money. One way to spending without guilt is setting up a system that allows you to know what you can afford when you can afford it.

3. Financial Abuses: Financial Abuse is defined as unauthorized use and control of a person’s money, property, or other valuables. Please note that you’re not required to set yourself on fire to keep other people warm. Set guidelines for yourself for what kind of requests you’re eligible for your financial assistance.

4. Eating everything: Invest! Your financial goals and resolutions will not become a reality if you keep spending all the money that comes your way. My Friend split her income in three ways; 75% for expenses, 20% for Long term investment, and 5% for short-term investment. It looks small, but with time/consistency, she has built assets for herself.

5. Quick Money Schemes. I know you want to invest and get returns but take a chill pill, breath in, then out afterward, ask questions, do your research before investing

6. Relying on just one source of income: If you want some of your goals to become a reality, you must move from your comfort zone and add another source of income.

7. Financial Ignorance: Go for Financial Education!

Are there other Foxes you think have the tendencies to spoil our Financial vine this year? Let’s talk about them in the Comment Section. We are on this financial journey together, and we will strive till we hit the mark.

You know I’m cheering for you, right?

Think Insurance

Think Insurance

October was a tough month for almost all citizens of Nigeria and even tougher for some business owners and entrepreneurs in the country. Businesses close up in just a day; the labor of years or months went into thin air. And for the first time in my life, I saw that insurance is not just a luxury; it is necessary.

Before now, I saw insurance as an unnecessary expense, like, “who needs it anyway? after all, we are covered by the blood of Jesus. ”

A business person or entrepreneur’s life can be frightening, from getting funds, ideas, and the right company (relationships/employee). Sometimes, the business world can be scary and accompanied by the risks of losing capital, looting, robbery, and other unknown incidents. However, we can’t seize being entrepreneurs just because of the risks involved.

Have you ever thought of the different insurance you will make in your business journey? Okay, how about thinking of reasons to insure your business?

Well, no need to think so far. As a good person, I thought for you and did the research, too. So here are the reasons why you should think of insurance;

  1. Saves your business and keeps it running: when an unfortunate situation happens, aside from you and your relations, who can give you a helping hand? Business insurance got you covered on this; no need to go about knocking on doors for help.
  2. Adds Credibility to your business: it gives your customers, investors, and patrons a good perspective of your business, that it’s safe and a good choice. They trust you more. Some contracts require it. In other words, you wouldn’t be qualified to receive some contracts if you don’t have business insurance.
  3. Secures the business’s future: With business insurance, you can be at ease while watching your business grow.
  4. Prevents the unpleasant aftermath of being sued: I have heard people say, “one lawsuit could be the end of your business.” Without business insurance, there are high chances that a business will fall apart after encountering any lawsuit of a liability claim.
  5. It covers natural disasters and calamity: Natural disasters or calamities cannot be controlled or predicted. Thus, they can happen anywhere. If a business without insurance is affected, the owner on his own takes care of it.
  6. Insurance is compulsory in some countries: Business insurance is compulsory in certain places, and by doing otherwise, you are not complying with the law.
  7. Protects employee: Human resource is the biggest capital for any business. When employees work very hard to deliver value, there is a possibility that an employee might get injured. As an employer, it’s your responsibility to provide medical care. If there’s insurance, that would be taken care of, too.
  8. It gives peace of mind. I tell you, you deserve the peace of mind.

Every business is different. So, the insurance needs of every business are different. You should see an expert to guide you on the insurance plan you need.

So, do you think there’s a need for business insurance? Why? We will love to hear from you in the comment section.

The emotional cost of being an entrepreneur

The emotional cost of being an entrepreneur

Hey! I know you have decided to go into entrepreneurship and make it really big, and nothing will stop you. But it will interest you to know that you need more than financial and business intelligence to succeed as an entrepreneur.

You might have heard this statement several times, but have you taken your time to think about how emotional intelligence affects you as an entrepreneur?

Let’s take a glean at some lessons from my failed airtime business. Especially the part no one talks about; the emotional cost of being an entrepreneur.

So, I was a young high school graduate full of ambitions and enthusiasm. Oh! I was a financial-independence freak! I started my first business, and it was going smoothly until the emotional side I refused to develop began to show its ugly head in the business.

This lapse in my emotion affected my decision-making process. I couldn’t afford to say no to demands, especially regarding providing what I refer to as financial help. I would assist anyone who came for financial assistance, even if it meant taking from the business’s capital. As you might have guessed right, the business no longer exists.

When the pressure for business stability became too much, and the business was beginning to fail, I leaped into depression and subsequently closed down the business.

There’s one more thing you need to learn before venturing into entrepreneurship, especially when you plan to stay long, and that is EMOTIONAL INTELLIGENCE (EI).

The role of Emotional Intelligence in entrepreneurship cannot be over-emphasis. Here are some reasons:

Entrepreneurs are often alone: An entrepreneur bears the business’s worries and anxieties alone, except he wishes to share them with God. So, the weights of running the business are totally on him.

– Failure: At some point, an entrepreneur encounters failure such as the inability to receive funds, liquation, inability to pay employees’ salaries, and many more. Failure comes with lots of emotions that, when not handled properly, can lead to depression.

The entrepreneurial spirit is tough to turn off. An entrepreneur is naturally a passionate and determined person. So, he might become so busy with business that he would shut all other areas of his life out.

Seeing the psychological cost of being an entrepreneur, it’s crucial to learn and develop Emotional Intelligence for sanity purposes. It starts by focusing on how you feel. Intentionally, take note of your emotions throughout a day, and give a name to what you’re feeling.

You’ll also want to focus on your actions and how they relate to the emotions you express. Take note of whether your emotions drive your choices throughout the day, and what emotions drive certain actions.

Overcoming the emotional trolls entrepreneurship brings is not by ignoring them or pretending they aren’t there. It’s by accepting them, not just that alone – you ensure they don’t interfere with your goals and plans. Likewise, engaging someone will be a great help.

Awareness is another way of defeating the emotional trolls that come with entrepreneurship. Before you become an entrepreneur, learn the emotional price of being an entrepreneur.

Do you know other emotional trolls that come with entrepreneurship? Let’s talk about them and the possible ways to overcome them.



What if I tell you that COVID did some good! Yes, you read that right, the Global pandemic that turned the world upside down and brought it to a standstill did not do us only wrong but some good, as well!

The one good thing was to expose our weaknesses or areas of laxity that we never knew about. It brought us face to face with areas we failed to deal with, the knowledge we refused to acquire in different areas of our life, finance inclusive. So, when I said it did us some good, I know what I’m talking about. During the pandemic, people whose source of income was just salary felt the heat more—thereby forcing us into searching for other sources of income.

Did you know that there are different types of income? Whatever your answer is, follow me, still, as we go through my novel found knowledge together. In one of my searches, I discovered that income is categorized into three.

There are three types of income; the active income, the passive income, and the portfolio income.

Active Income

Active income is the money that you earn from while working, either as an employee or an entrepreneur. The unique thing about this income is that you are paid for the work you actively do. When you aren’t active or stop rendering services, then the income seizes. That’s the popular income we all know or have, and the typical examples that come to mind are examples are salaries from jobs and profits from businesses. Active income solves mostly short term problems.

Passive Income

A passive income is one in which money is usually received regularly (might not be daily though) basis, where no additional effort has taken place. Passive income flows to you or your family, whether you are sick, not in the country, or dead.

Oh, how I love passive income streams, but just that most passive income streams require significant efforts to acquire. A passive income stream grants you the luxury of making money without being there or mainly working. Passive income might not be passive initially; it might require a little time before it begins generating flowing in (patience is key here).

Examples of passive income are income derived from interest or income paid from bank deposits, rental income from real estate/property, royalties from writing a book, network marketing, etc.

Portfolio Income

Portfolio income is from investments, including dividends, interest, capital gains, and so on. It’s also the income that you make from selling an investment much higher than what you originally paid for. The con of this income is a large amount of money needed to start it. Most active income earners save up for this type of income, and you would need to do adequate research to ensure you don’t invest in liabilities. Also, you can’t determine how an investment turns out. There’s a level of risk involved (well, what doesn’t include risk in life?)

Now, we know the types of income. It’s time to work on expanding our means of income. Once bitten, twice shy. Don’t let the lessons from COVID- 19 become a waste.

It’s essential to know how money works and how we can get cash before going for any income type. It’s also important to know that not all avenues may be for you! There are options out there, and sure they might take some time to work, but the rewards can be unbelievably great when applied with wisdom and understanding.

Now you know, make a difference in your finance. I hope this was helpful?

Do you some other form of income you can share with us? Let us know in the comment session.



Yes, you read the title right! There’s a difference between an entrepreneur and a hustler, just like a wholesaler and retailer are different people. Follow me, let me tell you a story.

I was privileged to work with two bosses (at different times, though). I will tag my first boss, “Mr. Entrepreneur,” and my second boss, “Mr. Hustler.” They manage an IT training institute. Working with them, I had different experiences and feelings, and I would relate them to you.

Mr. Entrepreneur’s office is a small place yet beautifully furnished, has a receptionist desk, classrooms with systems neatly arranged with a board, and a standing fan.

Mr. Hustler’s office is also small with no particular arrangements, few systems (mostly faulty), Photocopier, or scanner (according to customers’ needs). The office is arranged according to the task for the day.

Mr. Entrepreneur employs qualified or trained people and offers staff training monthly. All staff members have their responsibilities duly stated. He believes in giving value to his students.

Mr. Hustler employs few high school students/graduates with little training; they also run his other petty businesses. He gives them materials to use and copy on the board for students. He will say, “you don’t go too far with them( their students). Just the basic is enough for them. Moreover, they wouldn’t know”.

At the end of the training, Mr. Entrepreneur awards the student with certifications immediately (as it’s included in their fee). Mr. Hustler, however, collects money for certificates and never shows up the certificate, just stories. Employees have to make up a story each time a graduate shows up.

Mr. Entrepreneur specializes in just IT training and gives the best. Mr. Hustler shifts to any area in IT that pays. You may not be surprised if he becomes a technician tomorrow. Mr hustler makes the photocopy, does the typing and printing services, stationery sales, laptop, and phone repairs, phone and laptop accessory sales, scratch card sales, IT training, and management training. Not like we have all these available in the office, we just switch from one to another when there’s a need.

Mr. Entrepreneur has sound financial management skills; all transactions are duly recorded with receipts and, on a few occasions, had issues with his staff salaries. On the other hand, Mr. Hustler would pocket each payment immediately without any form of record, use the business income as he wants, and leave staff salaries unpaid. Well, they leave after a while, and new staff members take their place.

Mr. Entrepreneur’s business has expanded as they have more students because of the needs they meet and the excellent services they give. Mr. Hustler is still hustling, his business is stagnant, but he has built a house and owned a car.

Working with Mr. Entrepreneur was impactful as I got my skills sharpened and got new skills. Working with Mr. Hustler was draining as he never gives room for excellence, just anything that brings money.

One of the significant differences between an entrepreneur and a hustler is their goals; an entrepreneur works with a long term goal of building and sustaining a long term business and opportunities while a hustler works with a short term goal, which is to make quick money.

A hustler needs to keep hustling to avoid his income crumbling while an entrepreneur can relax at a point, and the wealth system he has built over the years works for him.

So, are you an entrepreneur or a hustler? If you are an entrepreneur, congratulations. If you still a hustler, it’s not a bad thing; just don’t let your aspiration stop there. Seek to build a sustainable business.

What else does a hustler have to do to become an entrepreneur? We would love to hear from you in the comments section!