Money, work, bills, and goals — adulting can feel overwhelming. This new Youth Empowered Podcast conversation focuses on simple, realistic steps that young Nigerians can take to earn, manage, and multiply money with confidence.
Hosted by Moses Dickson, the episode spotlights Oluwatoyin Aralepo, a Strategic Finance leader and Forbes Finance Council member, alongside Jennifer Awirigwe, also known as Financial Jennifer, the Founder and CEO of FinTribe Nigeria. Together, they offer practical advice on how to start compounding early, create realistic budgets, explore ethical side income opportunities, and choose beginner-friendly investment options.
From Seeds to Systems
Aralepo emphasised the importance of foundations: start small, start early, and let time do the heavy lifting. She highlighted the power of compounding and the importance of everyday habits that stick, noting that earning is about action, while multiplying money is about knowledge. She urged listeners to establish simple systems that they can sustain over time.
Lessons from the Journey
Awirigwe emphasized the importance of boosting your income responsibly, sharing your expertise, building a trustworthy reputation, and maintaining the stability of your 9-to-5 job while exploring new opportunities. She advocated for creating realistic budgets, recommending the practical 50/30/20 rule, and suggested accessible first-step investments like money market mutual funds, FG Savings Bonds, and high-quality stocks. Awirigwe reminded listeners that “hope is not a strategy,” underscoring that steady, consistent action is what truly drives financial progress.
Where ₦10,000 Can Actually Go
Starter options the guests highlight (know the risks, start small): money market mutual funds (lower risk; monthly compounding), FG Savings Bond (government-backed), and stocks in solid companies (growth + dividends).
Boundaries, Black Tax & Saying No (Kindly)
“Fix your mask first,” Aralepo says, highlighting the need to prioritize your own financial stability before helping others. Understand your non-negotiables and stick to your budget, being intentional about what you can realistically offer. Practice saying “no” with kindness and confidence—remember, “no” is also a valid answer, and it’s okay to give only what you truly can.
Words to Live By
Set boundaries kindly, track your progress and keep learning. As Aralepo advised, “fix your mask first” — protect your plan and give what you truly can. For both guests, the message is clear: start where you are, stay curious and take the next right step.
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