You're asking a very important question — and honestly, you're already ahead of many people just by thinking this way. Most salary earners stay stuck because they earn, spend, and repeat without planning for the future. Since you're a security personnel (from what you've shared before), I'll give yoRead more
You’re asking a very important question — and honestly, you’re already ahead of many people just by thinking this way. Most salary earners stay stuck because they earn, spend, and repeat without planning for the future.
Since you’re a security personnel (from what you’ve shared before), I’ll give you practical advice that works even with modest salary — not theory.
My Honest Advice to You as a Salary Earner
1. Stop Waiting for “Opportunity” — Start Building One
Many people think:
“When my salary increases, I’ll start”
“When I get a better job, I’ll invest”
That never works.
Start with what you have now, even if it’s small.
Your biggest advantage right now:
You have steady income
You have time
You have discipline (security work requires this)
These three things can build wealth slowly but surely.
2. Follow the 4-Step Plan (Simple & Powerful)
Step 1 — Build Emergency Savings First
Before investment, do this:
Start saving:
₦5,000
₦10,000
₦15,000 monthly
Target:
At least 3–6 months salary
Why? Because life happens:
Job loss
Medical issues
Family emergencies
Emergency savings protects your future.
Best place:
Money Market Fund (MMF) (which you’ve already started learning about — good move 👍)
Step 2 — Start Investing Small (Don’t Wait)
You don’t need big money.
Start with:
Money Market Fund (Safe)
Nigerian Stocks (Long-term)
Bond Funds (Stable growth)
Simple allocation example:
50% Money Market
30% Stocks
20% Bond Fund
Even if you’re investing:
₦20,000 monthly
You’re already building wealth.
Step 3 — Build a Second Source of Income
Salary alone is risky.
Consider something simple:
Online skill (Digital marketing, cybersecurity — you’ve shown interest already)
Small side business
Dividend stocks
Affiliate marketing
Since you’re security personnel, you can:
Learn during quiet hours
Use phone for learning
Build skills gradually
This is powerful.
Step 4 — Invest in Yourself (Most Important)
Your income grows when your skills grow.
Good options for you:
Cybersecurity (you already started — excellent choice)
Digital marketing
Tech skills
Electrician certification (you mentioned before)
If your salary increases from: ₦70k → ₦150k
Your investing power doubles.
The Biggest Mistakes Salary Earners Make
Avoid these:
Waiting too long
Spending everything
Investing without knowledge
Following friends blindly
No financial plan
You’re already avoiding these by asking questions.
Simple Plan You Can Start This Month
Example: Salary → ₦100,000
Split like this:
₦20,000 — Savings (MMF)
₦10,000 — Investment (stocks/bonds)
₦5,000 — Learning skill
₦65,000 — Expenses
Even small amounts grow.
My Honest Truth to You
You’re not late. You’re not behind. You’re just starting to think properly.
And that’s how wealth begins.
Most people wake up at:
35 years
40 years
50 years
You’re already ahead.
This situation is very common,and it comes down to two parallel realities,which is,biology and financial behavior. So,join me,as I break this,into simpler steps,and sentences for better understanding,are you in? Why people struggle when young(financially) From the perspective of Robert Kiyosaki,andRead more
This situation is very common,and it comes down to two parallel realities,which is,biology and financial behavior. So,join me,as I break this,into simpler steps,and sentences for better understanding,are you in?
Why people struggle when young(financially)
From the perspective of Robert Kiyosaki,and in reality;
Most young people,today,are taught,by their parents, society,and environment,to work for money,& not build assets. They focus on active income(salary),& not financial education,or investments,that develops or grow them,gradually.
In their early life,they grow,will low skills,or none,at all,low capital,and poor money habits,which is what, causes the struggle phase, in their younger age,most times.
And in reality;
If you don’t build assets(Like business,investments,skills,of your own) early,money will always feel scarce,or far away,even if,income rises later.
Why health declines when it’s time to “enjoy”?
This is rooted,in human biology,and lifestyle accumulation,which simply means that,the health part,is caused by the healthy habits,we ignore,when young,that comes together to affect us,when old,and out lifestyle, during our younger age.
Because,the body naturally ages,which slower metabolism,causes,weaker repair systems.
And,years of poor nutrition,stress,and neglect,catch up later,in life.
And,many only focus on wealth, especially,during their young age,ignoring health habits.
Struggle early, because of no assets,in their control or name.
And,they earn later,but by then,health is already damaged.
The balanced solution(what actually works)
Build financial intelligence early,as a young person today(& assets,not just income).
And,invest in daily nutrition,highly recommend, nutritional products,or you can just balance your daily diet,in food,and preventive health(not hospital care,later).
Think long term,in both money and body.
Bottom line,
You don’t suffer because of age,instead,you suffer because of years of unmanaged, habits.
So,build wealth like an investor,and protect your health,like an asset, because,both must grow together,or you will trade one for the other,later in life,is choice thing here.
What advice will you give me as salary earner?
You're asking a very important question — and honestly, you're already ahead of many people just by thinking this way. Most salary earners stay stuck because they earn, spend, and repeat without planning for the future. Since you're a security personnel (from what you've shared before), I'll give yoRead more
You’re asking a very important question — and honestly, you’re already ahead of many people just by thinking this way. Most salary earners stay stuck because they earn, spend, and repeat without planning for the future.
See lessSince you’re a security personnel (from what you’ve shared before), I’ll give you practical advice that works even with modest salary — not theory.
My Honest Advice to You as a Salary Earner
1. Stop Waiting for “Opportunity” — Start Building One
Many people think:
“When my salary increases, I’ll start”
“When I get a better job, I’ll invest”
That never works.
Start with what you have now, even if it’s small.
Your biggest advantage right now:
You have steady income
You have time
You have discipline (security work requires this)
These three things can build wealth slowly but surely.
2. Follow the 4-Step Plan (Simple & Powerful)
Step 1 — Build Emergency Savings First
Before investment, do this:
Start saving:
₦5,000
₦10,000
₦15,000 monthly
Target:
At least 3–6 months salary
Why? Because life happens:
Job loss
Medical issues
Family emergencies
Emergency savings protects your future.
Best place:
Money Market Fund (MMF) (which you’ve already started learning about — good move 👍)
Step 2 — Start Investing Small (Don’t Wait)
You don’t need big money.
Start with:
Money Market Fund (Safe)
Nigerian Stocks (Long-term)
Bond Funds (Stable growth)
Simple allocation example:
50% Money Market
30% Stocks
20% Bond Fund
Even if you’re investing:
₦20,000 monthly
You’re already building wealth.
Step 3 — Build a Second Source of Income
Salary alone is risky.
Consider something simple:
Online skill (Digital marketing, cybersecurity — you’ve shown interest already)
Small side business
Dividend stocks
Affiliate marketing
Since you’re security personnel, you can:
Learn during quiet hours
Use phone for learning
Build skills gradually
This is powerful.
Step 4 — Invest in Yourself (Most Important)
Your income grows when your skills grow.
Good options for you:
Cybersecurity (you already started — excellent choice)
Digital marketing
Tech skills
Electrician certification (you mentioned before)
If your salary increases from: ₦70k → ₦150k
Your investing power doubles.
The Biggest Mistakes Salary Earners Make
Avoid these:
Waiting too long
Spending everything
Investing without knowledge
Following friends blindly
No financial plan
You’re already avoiding these by asking questions.
Simple Plan You Can Start This Month
Example: Salary → ₦100,000
Split like this:
₦20,000 — Savings (MMF)
₦10,000 — Investment (stocks/bonds)
₦5,000 — Learning skill
₦65,000 — Expenses
Even small amounts grow.
My Honest Truth to You
You’re not late. You’re not behind. You’re just starting to think properly.
And that’s how wealth begins.
Most people wake up at:
35 years
40 years
50 years
You’re already ahead.
Why Do People Struggle When Young but Face Health Issues in Old Age?
This situation is very common,and it comes down to two parallel realities,which is,biology and financial behavior. So,join me,as I break this,into simpler steps,and sentences for better understanding,are you in? Why people struggle when young(financially) From the perspective of Robert Kiyosaki,andRead more
This situation is very common,and it comes down to two parallel realities,which is,biology and financial behavior. So,join me,as I break this,into simpler steps,and sentences for better understanding,are you in?
Why people struggle when young(financially)
From the perspective of Robert Kiyosaki,and in reality;
Most young people,today,are taught,by their parents, society,and environment,to work for money,& not build assets. They focus on active income(salary),& not financial education,or investments,that develops or grow them,gradually.
In their early life,they grow,will low skills,or none,at all,low capital,and poor money habits,which is what, causes the struggle phase, in their younger age,most times.
And in reality;
If you don’t build assets(Like business,investments,skills,of your own) early,money will always feel scarce,or far away,even if,income rises later.
Why health declines when it’s time to “enjoy”?
This is rooted,in human biology,and lifestyle accumulation,which simply means that,the health part,is caused by the healthy habits,we ignore,when young,that comes together to affect us,when old,and out lifestyle, during our younger age.
Because,the body naturally ages,which slower metabolism,causes,weaker repair systems.
And,years of poor nutrition,stress,and neglect,catch up later,in life.
And,many only focus on wealth, especially,during their young age,ignoring health habits.
Scientific truth,chronic diseases like,Hypertension,Type 2 Diabetes,and Cardiovascular disease today,are often,lifestyle driven,and cumulative,not sudden.
The core problem(connecting both)
People delay both, especially young people today;
° Financial education
° Health investment
So later,they;
Struggle early, because of no assets,in their control or name.
And,they earn later,but by then,health is already damaged.
The balanced solution(what actually works)
Build financial intelligence early,as a young person today(& assets,not just income).
And,invest in daily nutrition,highly recommend, nutritional products,or you can just balance your daily diet,in food,and preventive health(not hospital care,later).
Think long term,in both money and body.
Bottom line,
You don’t suffer because of age,instead,you suffer because of years of unmanaged, habits.
So,build wealth like an investor,and protect your health,like an asset, because,both must grow together,or you will trade one for the other,later in life,is choice thing here.
See less