Victor Lawani, Nomansland, Kano (2025)

28/08/2025

𝐈 𝐡𝐚𝐯𝐞 ₦𝟓𝟎𝟎𝐤, 𝐰𝐡𝐚𝐭 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐜𝐚𝐧 𝐈 𝐝𝐨 𝐰𝐢𝐭𝐡 𝐢𝐭 𝐰𝐡𝐢𝐥𝐞 𝐤𝐞𝐞𝐩𝐢𝐧𝐠 𝐦𝐲 𝟗-𝟓 𝐣𝐨𝐛?

👇👇👇

A friend asked me a few days ago,

“𝐈 𝐡𝐚𝐯𝐞 ₦𝟓𝟎𝟎,𝟎𝟎𝟎 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰, 𝐰𝐡𝐚𝐭 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐜𝐚𝐧
𝐈 𝐝𝐨 𝐭𝐡𝐚𝐭 𝐰𝐢𝐥𝐥 𝐦𝐚𝐤𝐞 𝐦𝐞 𝐦𝐨𝐧𝐞𝐲 𝐩𝐚𝐬𝐬𝐢𝐯𝐞𝐥𝐲 𝐰𝐡𝐢𝐥𝐞 𝐤𝐞𝐞𝐩𝐢𝐧𝐠 𝐦𝐲 𝐣𝐨𝐛?”

Sounds like a solid question, right?

And yes, I’ll answer it. But before I do, let me address some very ⚠️ 𝐕𝐄𝐑𝐘 𝐈𝐌𝐏𝐎𝐑𝐓𝐀𝐍𝐓 ⚠️ that need urgent attention.

𝑭𝑰𝑹𝑺𝑻𝑳𝒀: 𝐓𝐇𝐄 𝐑𝐄𝐀𝐋 𝐏𝐑𝐎𝐁𝐋𝐄𝐌

𝐍𝐨𝐛𝐨𝐝𝐲 𝐢𝐬 𝐛𝐫𝐨𝐤𝐞 𝐣𝐮𝐬𝐭 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐭𝐡𝐞𝐲 𝐝𝐢𝐝𝐧’𝐭 𝐢𝐧𝐯𝐞𝐬𝐭.
𝐏𝐞𝐨𝐩𝐥𝐞 𝐫𝐞𝐦𝐚𝐢𝐧 𝐛𝐫𝐨𝐤𝐞 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐨𝐟 𝐩𝐨𝐨𝐫 𝐦𝐨𝐧𝐞𝐲 𝐦𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭.

If someone with poor money habits gets ₦500k, they’ll lose it.
If they get ₦500 million, they’ll still lose it, only on a bigger scale.

So the first real question isn’t “What business should I do?”
It’s “Who is the person holding this capital?”

I've watched too many people get windfalls, salary increases, business profits, even lottery wins, make "smart" investments, enjoy success for a year or two, then somehow find themselves back at square one.

Why?

Because they never fixed their relationship with money.

Money is a receipt of its wielder.

Your bank account balance will always reflect your internal financial state, not your investment choices.

Think about it: if ₦500 million landed in the hands of someone who can't manage ₦50,000 properly, what do you think happens?

They might do well for a while with good investment advice, but eventually?

They'll return to their starting point because money has a way of flowing back to its comfort zone, which is the mind of its owner.

𝑺𝑬𝑪𝑶𝑵𝑫𝑳𝒀: 𝐓𝐇𝐄 “𝐏𝐀𝐒𝐒𝐈𝐕𝐄 𝐈𝐍𝐂𝐎𝐌𝐄” 𝐋𝐈𝐄

Let’s debunk this myth: 𝐭𝐡𝐞𝐫𝐞’𝐬 𝐧𝐨 𝐬𝐮𝐜𝐡 𝐭𝐡𝐢𝐧𝐠 𝐚𝐬 𝐭𝐫𝐮𝐥𝐲 𝐩𝐚𝐬𝐬𝐢𝐯𝐞 𝐢𝐧𝐜𝐨𝐦𝐞. None. Zero. Zilch.

What people call "passive income" is actually the result of systems that required massive amounts of time, energy, and resources to build.

That “rental property” generating monthly income?

Someone had to:

- Research neighborhoods for months
- Navigate Lagos property laws
- Deal with difficult tenants
- Handle repairs and maintenance drama

Those “dividend stocks” paying quarterly?

Someone had to:

- Study company reports until their eyes bled
- Understand market cycles and economic trends
- Monitor portfolio performance constantly

That "automated" online business?

Someone spent:

- Months learning digital marketing
- Countless hours creating content
- Years building systems and processes

The income becomes relatively passive only after you've invested heavily in building expertise and bulletproof systems.

Stop looking for passive income.

Start building active systems that eventually require less active management.

What exists are systems. Once built, they run with less of your daily involvement.

So the goal isn’t passive income. The goal is leverage.

𝑻𝑯𝑰𝑹𝑫𝑳𝒀: 𝐓𝐇𝐄 𝟕-𝐘𝐄𝐀𝐑 𝐏𝐑𝐈𝐍𝐂𝐈𝐏𝐋𝐄:

Remember the Biblical story of the 7 years of abundance and 7 years of scarcity.

That story Ancient Egyptian King and Joseph, is one I love because of the principles.

Life operates in cycles, 7 years of abundance, 7 years of scarcity.

What you do during your 7 years of abundance determines how you thrive in the 7 years of scarcity.

Of course, you know these 7 years are figurative, for some it might be 20 years or so, and for others 2 years.

Most people upgrade their lifestyle every time their income increases.

New salary = new car. Business profit = bigger apartment. Windfall = expensive vacation.

Then, when tough times come (and they always come), they're devastated.

Smart people prepare. They build systems during good times that sustain them through any season.

𝐓𝐇𝐄 𝐑𝐄𝐀𝐋 𝐐𝐔𝐄𝐒𝐓𝐈𝐎𝐍: 𝐖𝐇𝐎 𝐀𝐑𝐄 𝐘𝐎𝐔?

Before asking "Where should I invest my money?" ask yourself:

- Do I have a budget and stick to it?
- Can I delay gratification for long-term goals?
- Do I understand the difference between assets and liabilities?
- Have I developed multiple streams of income?
- Do I save consistently, regardless of my income level?
- Can I make sound financial decisions under pressure?

- Emergency Fund Rules: Build 3-6 months of expenses before any investment conversation.
Keep it accessible, not in some investment you can't touch if your car breaks down.

- Multiple Income Streams: Your salary should never be your only source of income.
That's financial su***de in today's Nigerian economy.

- Debt Reality Check: Pay off high-interest debt before thinking about investments.
You can't be paying 30% interest on loans while chasing 15% investment returns and think you're winning.

𝐁𝐀𝐂𝐊 𝐓𝐎 𝐎𝐔𝐑 ₦𝟓𝟎𝟎𝐊 - 𝗛𝗲𝗿𝗲'𝘀 𝗪𝗵𝗮𝘁 𝗜 𝗔𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗥𝗲𝗰𝗼𝗺𝗺𝗲𝗻𝗱

--> The Conservative Foundation Path:
₦200K in Treasury bills/mutual funds (your safety net)
₦200K in strategic land purchase (long-term appreciation)
₦100K for financial education + emergency fund

--> The Business Builder Route:
- ₦300K to start a well-researched provision store
- ₦150K investing in your business education and skills
- ₦50K as your "things will go wrong" buffer

--> The System Builder Strategy:
- ₦200K to master a high-income skill (copywriting, digital marketing, etc.)
- ₦200K in diversified mutual funds
- ₦100K to test and validate multiple business ideas

Here are other options in Nigeria today:

- POS Business – Busy location + trusted attendant = steady daily income.

- E-commerce / Mini Importation – Buy hot-selling products, resell online (Jumia, Konga)

- Foodstuff Trading – Buy in bulk (rice, beans, oil), resell later at a margin.

- Agricultural Partnerships – Poultry, catfish, piggery with existing farmers.

𝗬𝗼𝘂𝗿 𝗔𝗰𝘁𝗶𝗼𝗻 𝗣𝗹𝗮𝗻 (𝗦𝘁𝗮𝗿𝘁𝗶𝗻𝗴 𝗧𝗼𝗱𝗮𝘆)

Week 1: Set up a proper budgeting system that actually works for your lifestyle
Week 2: Build your emergency fund foundation (start with ₦50K minimum)
Week 3: Choose ONE financial education resource and commit to finishing it
Week 4: Pick your investment/business path and take the first concrete step

Remember: You can lose your money, your business, even your job, but if you've built the right financial habits and mindset, you'll rebuild faster and stronger than before.

What's your biggest money management challenge? Let's talk about it.

24/08/2025

I got over 700 reactions on my posts last week! Thanks everyone for your support! 🎉

Oh by the way... It's the post I made about 7 Businesses to Start within Nigeria. Check out the post and follow me for more.

16/07/2025

𝗜 𝗱𝗼𝗻’𝘁 𝗰𝗮𝗿𝗲 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝘄𝗲𝗲𝗱 𝘁𝗵𝗲 𝗱𝗲𝘃𝗶𝗹 𝘀𝗺𝗼𝗸𝗲𝘀, 𝗵𝗲 𝗰𝗮𝗻 𝗡𝗘𝗩𝗘𝗥 𝗯𝗲 𝘁𝗵𝗲 𝗠𝗼𝘀𝘁 𝗛𝗶𝗴𝗵. 😂🔥

𝗪𝗵𝘆?

Because there’s only 𝗢𝗻𝗲 who holds that title; the One who was 𝗵𝗶𝗴𝗵𝗹𝘆 𝗲𝘅𝗮𝗹𝘁𝗲𝗱 and given a 𝗡𝗮𝗺𝗲 𝗮𝗯𝗼𝘃𝗲 𝗲𝘃𝗲𝗿𝘆 𝗼𝘁𝗵𝗲𝗿 𝗻𝗮𝗺𝗲…
𝗝𝗘𝗦𝗨𝗦.

The Most High is not a vibe.
Not a mood.
Not a state of being.
𝗛𝗲’𝘀 𝗮 𝗣𝗲𝗿𝘀𝗼𝗻.

And His 𝗡𝗮𝗺𝗲 𝘀𝘁𝗶𝗹𝗹 𝗰𝗮𝗿𝗿𝗶𝗲𝘀 𝘂𝗻𝗺𝗮𝘁𝗰𝗵𝗲𝗱 𝗽𝗼𝘄𝗲𝗿 on earth, in heaven, and even in hell.

You know, there’s a level of blessing that makes 𝘆𝗼𝘂 great…
But there’s another level that makes 𝘆𝗼𝘂𝗿 𝗻𝗮𝗺𝗲 great,
𝗘𝘃𝗲𝗻 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂’𝗿𝗲 𝗹𝗼𝗻𝗴 gone.

𝗛𝗲𝗿𝗲’𝘀 𝘁𝗵𝗲 𝗽𝗼𝘄𝗲𝗿𝗳𝘂𝗹 𝗽𝗮𝗿𝘁:

When God wanted to glorify Jesus,
He didn’t just give Him a title…
Or a throne…
Or a crown…

𝗛𝗲 𝗴𝗮𝘃𝗲 𝗛𝗶𝗺 𝗮 𝗡𝗔𝗠𝗘.

Because 𝗻𝗮𝗺𝗲𝘀 𝗮𝗿𝗲 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝗹𝗮𝗯𝗲𝗹𝘀; they are 𝗮𝗰𝗰𝗲𝘀𝘀 𝗸𝗲𝘆𝘀, 𝗶𝗱𝗲𝗻𝘁𝗶𝘁𝘆, 𝗮𝗻𝗱 𝗽𝗼𝘄𝗲𝗿.

𝗡𝗼𝘄 𝘄𝗮𝘁𝗰𝗵 𝘁𝗵𝗶𝘀 👇🏾

God did something very similar with Abraham.

He didn’t say,
“I’ll bless you with more land and cattle.”

𝗛𝗲 𝘀𝗮𝗶𝗱:
“𝗜 𝘄𝗶𝗹𝗹 𝗯𝗹𝗲𝘀𝘀 𝘆𝗼𝘂 𝗮𝗻𝗱 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂𝗿 𝗻𝗮𝗺𝗲 𝗴𝗿𝗲𝗮𝘁.”

The Bible even says:
“𝗔 𝗴𝗼𝗼𝗱 𝗻𝗮𝗺𝗲 𝗶𝘀 𝗯𝗲𝘁𝘁𝗲𝗿 𝘁𝗵𝗮𝗻 𝗿𝗶𝗰𝗵𝗲𝘀.”
And it’s true.

You hear someone say, “This is Gucci,” and no one asks 21 questions. The name already carries value.

That name was built, invested in, protected, and polished, and now? It speaks for itself.
The 𝗻𝗮𝗺𝗲 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝘀𝗲𝘁𝘀 𝘁𝗵𝗲 𝘁𝗼𝗻𝗲.

Why?

Because that 𝗻𝗮𝗺𝗲 𝘄𝗮𝘀 𝗯𝘂𝗶𝗹𝘁.
With 𝗰𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝗰𝘆.
With 𝗲𝘅𝗰𝗲𝗹𝗹𝗲𝗻𝗰𝗲.
With 𝘀𝗮𝗰𝗿𝗶𝗳𝗶𝗰𝗲.
With 𝘃𝗶𝘀𝗶𝗼𝗻.

𝗦𝗼 𝗹𝗲𝘁 𝗺𝗲 𝗮𝘀𝗸 𝘆𝗼𝘂:

👉🏾 𝗪𝗵𝗮𝘁 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗻𝗮𝗺𝗲?

Will your children wear your name like a 𝗯𝗮𝗱𝗴𝗲 𝗼𝗳 𝗵𝗼𝗻𝗼𝗿?

Are you living in a way that your children, and your children’s children, will say, “I’m proud to carry that name”?

Or will they be dodging it like bad WiFi in the village?

Will your name 𝘂𝗻𝗹𝗼𝗰𝗸 𝗿𝗼𝗼𝗺𝘀? or shut down conversations?

You may not have millions today…
But if you build right,
𝘆𝗼𝘂𝗿 𝗻𝗮𝗺𝗲 𝘄𝗶𝗹𝗹 𝗰𝗮𝗿𝗿𝘆 𝘃𝗮𝗹𝘂𝗲, 𝗵𝗼𝗻𝗼𝗿, 𝗮𝗻𝗱 𝗶𝗺𝗽𝗮𝗰𝘁—
𝘁𝗵𝗲 𝗸𝗶𝗻𝗱 𝘁𝗵𝗮𝘁 𝗺𝗼𝗻𝗲𝘆 𝗰𝗮𝗻’𝘁 𝗯𝘂𝘆.

𝗣.𝗦. Yes, that’s me in the picture 😄 grinning like someone who knows his name is being built on grace, purpose, and joy. 😄🎤

Whether I’m singing or speaking, just know this:
𝗜’𝗺 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗶𝗻 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝘄𝗶𝗹𝗹 𝗼𝘂𝘁𝗹𝗶𝘃𝗲 𝗺𝗲.

And I pray you do the same.

16/07/2025

𝗜 𝗱𝗼𝗻’𝘁 𝗰𝗮𝗿𝗲 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝘄𝗲𝗲𝗱 𝘁𝗵𝗲 𝗱𝗲𝘃𝗶𝗹 𝘀𝗺𝗼𝗸𝗲𝘀, 𝗵𝗲 𝗰𝗮𝗻 𝗡𝗘𝗩𝗘𝗥 𝗯𝗲 𝘁𝗵𝗲 𝗠𝗼𝘀𝘁 𝗛𝗶𝗴𝗵. 😂🔥

𝗪𝗵𝘆?

Because there’s only 𝗢𝗻𝗲 who holds that title, the One who was 𝗵𝗶𝗴𝗵𝗹𝘆 𝗲𝘅𝗮𝗹𝘁𝗲𝗱 and given a 𝗡𝗮𝗺𝗲 𝗮𝗯𝗼𝘃𝗲 𝗲𝘃𝗲𝗿𝘆 𝗼𝘁𝗵𝗲𝗿 𝗻𝗮𝗺𝗲…

𝗝𝗘𝗦𝗨𝗦.

The Most High is not a vibe.
Not a mood.
Not a state of being.
𝗛𝗲’𝘀 𝗮 𝗣𝗲𝗿𝘀𝗼𝗻.

And His 𝗡𝗮𝗺𝗲 𝘀𝘁𝗶𝗹𝗹 𝗰𝗮𝗿𝗿𝗶𝗲𝘀 𝘂𝗻𝗺𝗮𝘁𝗰𝗵𝗲𝗱 𝗽𝗼𝘄𝗲𝗿 on earth, in heaven, and even in hell.

𝗛𝗲𝗿𝗲’𝘀 𝘁𝗵𝗲 𝗽𝗼𝘄𝗲𝗿𝗳𝘂𝗹 𝗽𝗮𝗿𝘁:

When God wanted to glorify Jesus,
He didn’t just give Him a title…
Or a throne…
Or a crown…

𝗛𝗲 𝗴𝗮𝘃𝗲 𝗛𝗶𝗺 𝗮 𝗡𝗔𝗠𝗘.

Because in the spirit realm, 𝗻𝗮𝗺𝗲𝘀 𝗮𝗿𝗲 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝗹𝗮𝗯𝗲𝗹𝘀; they are 𝗮𝗰𝗰𝗲𝘀𝘀 𝗸𝗲𝘆𝘀, 𝗶𝗱𝗲𝗻𝘁𝗶𝘁𝘆, 𝗮𝗻𝗱 𝗽𝗼𝘄𝗲𝗿.

𝗡𝗼𝘄 𝘄𝗮𝘁𝗰𝗵 𝘁𝗵𝗶𝘀 👇🏾

God did something very similar with Abraham.

He didn’t say,
“I’ll bless you with more land and cattle.”

𝗛𝗲 𝘀𝗮𝗶𝗱:
“𝗜 𝘄𝗶𝗹𝗹 𝗯𝗹𝗲𝘀𝘀 𝘆𝗼𝘂 𝗮𝗻𝗱 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂𝗿 𝗻𝗮𝗺𝗲 𝗴𝗿𝗲𝗮𝘁.”

𝗟𝗲𝘁 𝘁𝗵𝗮𝘁 𝘀𝗶𝗻𝗸 𝗶𝗻.

There’s a level of blessing that makes 𝘆𝗼𝘂 great…
But there’s another level that makes 𝘆𝗼𝘂𝗿 𝗻𝗮𝗺𝗲 great
𝗘𝘃𝗲𝗻 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂’𝗿𝗲 𝗻𝗼 𝗹𝗼𝗻𝗴𝗲𝗿 𝗶𝗻 𝘁𝗵𝗲 𝗿𝗼𝗼𝗺.

𝗧𝗵𝗮𝘁’𝘀 𝗹𝗲𝗴𝗮𝗰𝘆.
𝗧𝗵𝗮𝘁’𝘀 𝘄𝗲𝗶𝗴𝗵𝘁.
𝗧𝗵𝗮𝘁’𝘀 𝗶𝗺𝗽𝗮𝗰𝘁.

The Bible even says:

“𝗔 𝗴𝗼𝗼𝗱 𝗻𝗮𝗺𝗲 𝗶𝘀 𝗯𝗲𝘁𝘁𝗲𝗿 𝘁𝗵𝗮𝗻 𝗿𝗶𝗰𝗵𝗲𝘀.”

And it’s true.

You hear someone say, “This is Gucci,” and no one asks 21 questions. The name already carries value.

That name was built, invested in, protected, and polished, and now? It speaks for itself.
The 𝗻𝗮𝗺𝗲 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝘀𝗲𝘁𝘀 𝘁𝗵𝗲 𝘁𝗼𝗻𝗲.

Why?

Because that 𝗻𝗮𝗺𝗲 𝘄𝗮𝘀 𝗯𝘂𝗶𝗹𝘁.
With 𝗰𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝗰𝘆.
With 𝗲𝘅𝗰𝗲𝗹𝗹𝗲𝗻𝗰𝗲.
With 𝘀𝗮𝗰𝗿𝗶𝗳𝗶𝗰𝗲.
With 𝘃𝗶𝘀𝗶𝗼𝗻.

𝗦𝗼 𝗹𝗲𝘁 𝗺𝗲 𝗮𝘀𝗸 𝘆𝗼𝘂:

👉🏾 𝗪𝗵𝗮𝘁 𝗮𝗿𝗲 𝘆𝗼𝘂 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗻𝗮𝗺𝗲?

Will your children wear your name like a 𝗯𝗮𝗱𝗴𝗲 𝗼𝗳 𝗵𝗼𝗻𝗼𝗿?
Living in a way that your children, and your children’s children, will say, “I’m proud to carry that name”?

Or will they be dodging it like bad WiFi in the village?

Will your name 𝘂𝗻𝗹𝗼𝗰𝗸 𝗿𝗼𝗼𝗺𝘀?
or shut down conversations?

You may not have millions today…
But if you build right,
𝘆𝗼𝘂𝗿 𝗻𝗮𝗺𝗲 𝘄𝗶𝗹𝗹 𝗰𝗮𝗿𝗿𝘆 𝘃𝗮𝗹𝘂𝗲, 𝗵𝗼𝗻𝗼𝗿, 𝗮𝗻𝗱 𝗶𝗺𝗽𝗮𝗰𝘁 𝘁𝗵𝗲 𝗸𝗶𝗻𝗱 𝘁𝗵𝗮𝘁 𝗺𝗼𝗻𝗲𝘆 𝗰𝗮𝗻’𝘁 𝗯𝘂𝘆.

𝗣.𝗦. Yes, that’s me in the picture grinning like someone who knows his name is being built on grace, purpose, and joy. 😄🎤

Whether I’m singing or speaking, just know this:
𝗜’𝗺 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗶𝗻 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝘄𝗶𝗹𝗹 𝗼𝘂𝘁𝗹𝗶𝘃𝗲 𝗺𝗲.
And I pray you do the same.

30/06/2025

𝟳 “𝐁𝐨𝐫𝐢𝐧𝐠” 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬𝐞𝐬 𝐓𝐡𝐚𝐭 𝐐𝐮𝐢𝐞𝐭𝐥𝐲 𝐌𝐚𝐤𝐞 𝐒𝐞𝐫𝐢𝐨𝐮𝐬 𝐌𝐨𝐧𝐞𝐲 𝐢𝐧 𝐍𝐢𝐠𝐞𝐫𝐢𝐚 🇳🇬

(But Most People Overlook Them)

We all want something exciting…

A tech startup, crypto jackpot, affiliate win, or that one “online business” that changes everything.

But here’s the raw truth I’ve learned:

The quietest businesses in Nigeria, the ones everyone ignores, are the same ones printing money month after month.

They don’t look sexy.
They’re not trending on Twitter.

But they solve real problems, bring daily cash, and create real freedom.

So I made a list.
And number 7 honestly shocked me.

Let’s dive in 👇

𝟭. 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁/𝗖𝗮𝗿𝗲𝘁𝗮𝗸𝗶𝗻𝗴

Landlords (especially in Lagos) don’t want stress.

They need people to help manage their houses and tenants.

These are the guys we call House Agents.

The Numbers: Managing 20-30 properties can generate ₦500K-₦1.5M monthly.

Premium estate management can earn 10-15% of annual rent.

Why It Works:

- Growing middle class with multiple properties
- Landlords hate dealing with tenants directly
- Scalable without huge capital

Getting Started: Start with ₦0-₦100K for basic setup. Focus on estates or emerging areas.

Build relationships with property developers and real estate agents.

The Catch: You'll deal with difficult tenants, maintenance issues, and demanding landlords.

𝟐. 𝐖𝐚𝐭𝐞𝐫 𝐏𝐫𝐨𝐝𝐮𝐜𝐭𝐢𝐨𝐧 & 𝐃𝐢𝐬𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧

Pure water, bottled water, tanker delivery... clean water sells every day.

Clean water isn't reliable from government sources. People buy sachet water daily.

The Numbers: A small-scale pure water factory can generate ₦300K-₦1M monthly.

Water tanker distribution earns ₦50K-₦150K per trip.

Why It Works:

- Essential need (everyone drinks water)
- Steady demand regardless of economy
- Multiple distribution channels (shops, offices, events)

Getting Started: Pure water production requires ₦1M-₦3M startup.

Water distribution needs ₦500K-₦1.5M for a truck/tanker. Focus on consistent quality and reliable supply.

The Catch: NAFDAC regulations, quality control, and competition. But it's a recession-proof business with daily sales.

𝟑. 𝐂𝐨𝐨𝐤𝐢𝐧𝐠 𝐆𝐚𝐬 𝐑𝐞𝐟𝐢𝐥𝐥 & 𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐲

Everyone uses gas, and they keep coming back for refills.

Set up shop in a residential area, add delivery, and you’re looking at ₦400K+ monthly.

(Just don’t play with fire... literally 🔥.) Adding delivery service increases profits by 30-50%.

Why It Works:

- Essential household need
- Recurring customers (monthly refills)
- High profit margins on refills

Getting Started: Need ₦800K-₦2M for shop setup, cylinders, and safety equipment.

Location matters: residential areas with middle-class families.

The Catch: Safety regulations, DPR licensing, and handling dangerous materials. But extremely stable income once established.

𝟒. 𝐋𝐚𝐮𝐧𝐝𝐫𝐲 & 𝐃𝐫𝐲 𝐂𝐥𝐞𝐚𝐧𝐢𝐧𝐠

People are too busy (and NEPA too unreliable) to wash clothes.

With good service, ₦500K monthly is realistic. Add pickup & delivery? Even better.

Why It Works:

- Time-pressed professionals
- Inconsistent water/power makes home washing difficult
- Recurring weekly customers

Getting Started: ₦500K-₦1.5M for industrial washers, generators, and shop space.

Target areas with young professionals.

The Catch: High electricity costs (factor in generator fuel), equipment maintenance, and staff management.

But extremely loyal customers once you build a reputation.

𝟓. 𝐏𝐨𝐮𝐥𝐭𝐫𝐲 𝐅𝐚𝐫𝐦𝐢𝐧𝐠 (𝐁𝐫𝐨𝐢𝐥𝐞𝐫𝐬 & 𝐋𝐚𝐲𝐞𝐫𝐬)

Eggs and chicken don’t go out of fashion. 1,000 broilers can generate ₦400K-₦800K profit per cycle (6-8 weeks).

Layer farming provides steady monthly income from egg sales.

Hotels, restaurants, and homes are always buying.

Why It Works:

- High protein demand
- Import restrictions create opportunities
- Fast turnover with broilers
- Consistent demand from hotels, restaurants, households

Getting Started: ₦300K-₦1M for small-scale setup (500-1000 birds).

Focus on proper housing, quality feed, and vaccination schedules.

The Catch: Disease management, feed cost fluctuations, and seasonal demand changes.

But with good management, it's highly profitable.

𝟔. 𝐏𝐚𝐫𝐤𝐢𝐧𝐠 𝐒𝐩𝐚𝐜𝐞 𝐑𝐞𝐧𝐭𝐚𝐥

Sounds odd, but try finding parking in VI or Wuse on a weekday.

Secure 20+ spaces and charge per slot. People gladly pay for peace of mind.

Event parking during weddings/parties adds extra income.

Own land? This is literally passive income.

Why It Works:

- Severe parking shortage in major cities
- Minimal ongoing expenses
- Security concerns make paid parking attractive
- Corporate clients pay premium for staff parking

Getting Started: Requires land ownership or long-term lease.

Focus on areas near offices, banks, hospitals, or shopping centers.

The Catch: High initial investment for land/lease and security. But it's truly passive income once established.

𝟕. 𝐒𝐮𝐲𝐚 & 𝐒𝐦𝐚𝐥𝐥 𝐂𝐡𝐨𝐩𝐬
I honestly didn’t expect this one to perform as well as it does—until I saw it up close.

Last week, my brother-in-law bought ₦20K worth of kilishi from a suya guy.

While he was there, another customer walked in and bought ₦200K worth—₦50K in four different wraps.

One night. One customer. One business.

Of course, that’s not all profit—but imagine how much that guy makes daily from consistent sales like that.

Now multiply that by 30 days.

You get the picture.

A good suya spot with small chops in the right location can bring in ₦150K–₦500K every month.

Add drinks and event delivery? That’s a local empire in the making.

Why it works:

- Nigerians love evening snacks
- Suya is culture
- High margins on meat
- Extremely loyal customers
- Very low startup cost

Getting started: ₦100K–₦300K for grill, ingredients, space, and basic setup.

Best locations? Near offices, estates, event centers, or nightlife spots.

The only “catch”? Evening/night hours, staying consistent, and basic hygiene.

But once people trust your taste, you’re in business for life.

𝗧𝗵𝗲 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲

Most people reading this will think, "that makes sense," and continue looking for the next big idea on Instagram or LinkedIn.

They'll keep chasing tech startups, crypto trading, or affiliate marketing while ignoring the boring businesses making steady money around them.

But if you're serious about building real wealth in Nigeria, pick one of these businesses and spend the next 30 days researching it properly.

Visit existing operators. Understand the real costs. Talk to suppliers and customers.

Because while everyone else is debating which online course to buy or forex strategy to try, you could be building a business that pays you every week for years to come.

Your choice: Keep chasing exciting ideas, or start building a profitable reality.

P.S. - I’m not just sharing these for vibes—I personally started one of these this year.

I know these businesses aren't glamorous. But the quietly wealthy Nigerians I know own the "boring" ones, while the flashy entrepreneurs are still struggling to break even.

Sometimes the best opportunities are in the everyday problems everyone ignores.

26/06/2025

Wifey: I hate that you're going to work today, while everyone else is resting.

Me: I know. But sometimes, it feels good to be needed for work… than to be noticed when they’re downsizing.
The consolation I give myself.
The sweet excuse that keeps me going.
I’m needed. I’m adding value.

And while that’s true… it’s also a trap.

Because your time? Not really yours.
Your choices? Filtered through obligations.

Even your confidence is borrowed once a month from a guy named Salary.

And yes, it’s that time of the month again.😃😁

Today, Kano rests for the Islamic New Year.

But I’m at work.
Working my work.

Because in this system, it’s always “that time of the year”… until I choose different.

So forgive me, wifey..
I’ve got to do my job - Until I finally step into my work.

26/06/2025

Amateurs practice until they get it right...

Professionals practice until they can't get it wrong...

23/06/2025

𝐘𝐨𝐮'𝐫𝐞 𝐍𝐨𝐭 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐧𝐠 𝐖𝐢𝐭𝐡 𝐒𝐭𝐮𝐝𝐞𝐧𝐭𝐬. 𝐘𝐨𝐮'𝐫𝐞 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐧𝐠 𝐖𝐢𝐭𝐡 𝐁𝐮𝐢𝐥𝐝𝐞𝐫𝐬.

Hey CS students and fresh grads 👋

Let me say this upfront: I’m not a hiring manager.

I’m just a guy who’s worked in tech for a few years, and occasionally, I get to review resumes or refer people for roles.

Recently… one landed in my inbox that broke my heart a little. And not because it was bad, because it was almost perfect.

𝐓𝐡𝐞 𝐑𝐞𝐬𝐮𝐦𝐞 𝐓𝐡𝐚𝐭 𝐋𝐨𝐨𝐤𝐞𝐝 𝐏𝐞𝐫𝐟𝐞𝐜𝐭

It had all the “right” things:
- CS degree from a top university
- 4.5 CGPA (impressive!)
- Clean formatting
- Perfect structure

For 47 seconds I thought, “This might be the one.”

𝐓𝐡𝐞𝐧 𝐈 𝐒𝐭𝐚𝐫𝐭𝐞𝐝 𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐃𝐞𝐞𝐩𝐞𝐫...

I just wanted to see some proof they could actually build something.

Here’s what I found:

- No GitHub
- No personal website
- No side projects
- No deployed work
- Four years of education— zero proof of skill

Googled their name + “projects”? Nothing.

Checked LinkedIn? Just coursework.

Actual coding outside class? 🦗 Crickets.

This isn’t rare.
This is 9 out of 10 resumes I see these days.

- Great formatting
- Great CGPA
- No real substance

𝐖𝐡𝐨'𝐬 𝐀𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐆𝐞𝐭𝐭𝐢𝐧𝐠 𝐇𝐢𝐫𝐞𝐝?

- Self-taught devs with GitHub full of live apps
- Career switchers launching apps last month
- Bootcamp grads with jaw-dropping portfolios
- College dropouts with dozens of open-source contributions

These aren't the “perfect on paper” types.

They’re builders, people who ship, show their work, and solve real problems.

Your 4.5 CGPA means nothing if you can’t prove you can build.

You’re not competing against classmates.
You’re competing with people who treat coding as a craft, not just a class.

𝐒𝐭𝐨𝐩 𝐃𝐨𝐢𝐧𝐠 𝐓𝐡𝐢𝐬:

- Thinking your degree is enough
- Applying with just classwork
- Expecting to be hired for “potential”
- Listing skills you’ve never used in practice

𝐒𝐭𝐚𝐫𝐭 𝐃𝐨𝐢𝐧𝐠 𝐓𝐡𝐢𝐬:

- Build something. Anything. Make it live.
- Make your GitHub look like you care
- Share your code, process, and thought behind it
- Contribute to open source; even small stuff counts
- Make your work discoverable and impressive

𝐓𝐡𝐞 𝐈𝐧𝐝𝐮𝐬𝐭𝐫𝐲 𝐇𝐚𝐬 𝐌𝐨𝐯𝐞𝐝 𝐎𝐧

They’re not hiring based on degrees anymore.
They’re hiring problem-solvers who can prove they solve problems.

𝐘𝐨𝐮𝐫 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧?

- Self-taught devs with 🔥 GitHub profiles
- Career changers coding like it’s life or death
- International talent willing to go the extra mile
- AI tools that can literally code

Your degree is your learner’s permit.
Your portfolio is your driver’s license.
No license, no ride. 🚗💨l

𝐓𝐡𝐞 𝐆𝐨𝐨𝐝 𝐍𝐞𝐰𝐬?

You Can Start Right Now

You don’t need Referrals and Straight A’s

You just need to build and show your work. 💪

⏰ The 6-Month Builder Challenge

Give yourself 6 months. Not to study more theory, but to create real projects you're PROUD of.

🔧 Build things
🧪 Break things
🔁 Fix things
📓 Document everything
🌐 Deploy your projects

Let the internet see your progress.
Your future self—and your bank account—will thank you. 💼💰

Once you have real projects:

💬 Interviews become conversations, not interrogations

💼 You’re not begging; you’re demonstrating value

I’m not a hiring manager. I’m not an expert either.

I’m just someone learning, growing, and sharing what I pick up along the way in tech.

Share this post if it helped you; someone else in your circle might need this exact wake-up call.

If you have questions, thoughts, or stuck on where to start?

Feel free to DM or drop a comment. I don’t have all the answers, but I’ll always share what I’ve learned so far.

16/06/2025

𝗙𝗿𝗼𝗺 𝗗𝗶𝗮𝗽𝗲𝗿𝘀 𝘁𝗼 𝗗𝗿𝗲𝗮𝗺𝘀: 𝗧𝗵𝗲 𝗨𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗟𝗲𝘀𝘀𝗼𝗻 𝗙𝗿𝗼𝗺 𝗠𝘆 𝗡𝗲𝘄𝗯𝗼𝗿𝗻
👇👇👇

I thought I understood hunger—until I had a baby.
Turns out, I didn’t understand growth either.

Being a father is one of life’s greatest privileges, one I never take for granted.

But let me tell you, it comes with responsibilities I never saw coming and lessons that hit you at 3 AM when you’re running on two hours of sleep.

Between the unplanned vigils (why do babies choose midnight for their loudest concerts?), the spontaneous prayer sessions and the endless diaper changes,

I’ve learned something profound that I want to share with you.

𝗧𝗵𝗲 𝗜𝗻𝘀𝗮𝘁𝗶𝗮𝗯𝗹𝗲 𝗟𝗶𝘁𝘁𝗹𝗲 𝗛𝘂𝗺𝗮𝗻

Scripture says, "As newborn babes, desire the sincere milk of the word..."

I used to think I understood that verse... until I met my son.

This little guy treats eating like it's his full-time job. I'm talking about a feeding schedule that would make a Fortune 500 CEO jealous.

And guess what—he's exclusively breastfed, which means my wife has become a walking, talking, 24/7 milk bar.

(Shoutout to all the breastfeeding moms out there—you're absolute warriors! 💪)

But watching him day after day, something clicked...

𝗚𝗿𝗼𝘄𝘁𝗵 𝗗𝗲𝘁𝗲𝗿𝗺𝗶𝗻𝗲𝘀 𝗛𝘂𝗻𝗴𝗲𝗿

Here’s what blew my mind: when my son was a week old, two ounces would knock him out for hours.

Now? That same amount barely gets him started. What used to satisfy him completely now feels like an appetizer.

And that’s when it hit me—growth determines hunger.

The size of what satisfies you is literally a receipt for how much you’ve grown. Your hunger level isn’t just about appetite; it’s proof of development.

𝗧𝗵𝗲 𝗔𝗱𝘂𝗹𝘁 𝗛𝘂𝗻𝗴𝗲𝗿 𝗣𝗿𝗼𝗯𝗹𝗲𝗺

As children, it’s perfectly normal to be hungry for just food, toys, and attention. But as we mature, our hunger should evolve too.

Yet most adults I know are still feeding on the same mental diet they had in high school.

Think about it:

Are you still consuming the same level of books you read five years ago?

Is your appetite for learning growing with your responsibilities?

Are you intentionally feeding your mind, or just letting it snack on whatever’s convenient?

𝗧𝗵𝗲 𝗜𝗻𝘁𝗲𝗻𝘁𝗶𝗼𝗻𝗮𝗹 𝗙𝗲𝗲𝗱𝗶𝗻𝗴 𝗣𝗿𝗶𝗻𝗰𝗶𝗽𝗹𝗲

My son doesn’t have a choice about being hungry—it’s biological. But he’s incredibly intentional about getting fed.

When he’s hungry, nothing else matters. Not the TV, not the phone, not the cute outfit we wanted him to wear. Food. Now.

What if we approached our mental and spiritual growth with that same intensity?

What if we were as intentional about feeding our minds with the right knowledge as my son is about getting his next meal?

𝗬𝗼𝘂𝗿 𝗚𝗿𝗼𝘄𝘁𝗵 𝗥𝗲𝗰𝗲𝗶𝗽𝘁

Let me ask you a question: What’s the size of your intellectual appetite right now? Is it bigger than it was last year? Last month? Last week?

Because if your hunger for growth hasn’t increased, you might not be growing at all.

The books that challenged you five years ago should feel like appetizers now. The goals that seemed impossible should feel achievable.

The problems that used to overwhelm you should be the ones you’re helping others solve.

𝗧𝗵𝗲 𝗧𝗮𝗸𝗲𝗮𝘄𝗮𝘆

My son, in all his milk-drunk wisdom, has reminded me that growth and hunger go hand in hand. You can’t have one without the other.

So here’s my challenge to you (and to myself):

Be as intentional about feeding your growth as a baby is about getting fed. Be as persistent about your development as my son is about his next meal.

Because in a world full of distractions, the people who grow are the ones who stay hungry—not just for food, but for knowledge, wisdom, and the right kind of experiences.

Your future self will thank you for it.

And maybe, just maybe, you’ll sleep better at night than I do.

𝗣.𝗦. - If you’re a parent reading this at 2 AM while your little one decides it’s party time, I see you. We’re in this together.

BTW...

HAPPY FATHERS DAY!!!

And if this resonated with you, give it a share - your friends might need this reminder too.

08/06/2025

If you're still using your monthly income to rent a house, here is what you should be doing to reduce that burden.
Last year May, my friend moved into her apartment, a one bedroom. The cost of the one bedroom amounts to about her 2 and half months salary.
It is average what many Nigerians spend on housing.
Some pay more, others pay less, depending on how much they're earning.

Anyways, this friend of mine saved up 500k by the end of the year to buy govt bonds in January and she got the interest paid upfront.
It was 22% so she got 110k

Guess what she did, she saved it.
Then saved 30k every month since January.
When her rent expired she added the money from her bond interest and paid her rent with ease.
And oh because I'm always preaching mutual funds, she also started mutual funds and was putting away 30k to her mutual funds.

We went out over the weekend and she shared this with me.

I was so happy for her.
People are really getting smart with their money.
Now she has 500k saved
Almost 200k invested
Rent paid without breaking a sweat
All on a median income.
Yes, she earns less than 150k

Start on principle level.

31/10/2024

Seest thou a man diligent in His business, he shall stand before Kings, and not mean men. Prov 22:29

Have you ever thought about what it takes to become the King, we have always tried to become the man who stands before Kings and not the King,

What does it take to become the King?

Victor Lawani

28/08/2025

24/08/2025

16/07/2025

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