Face, Child, Kid, Boy, Young, Depression, Fear, Abuse. Destiny


4 min read
Face, Child, Kid, Boy, Young, Depression, Fear, Abuse. Destiny

Financial Destiny

Destiny: a word wrongly understood by most, howbeit, well-known to many. Unlike the conventional belief of the majority, destiny is not really a fixed plan handwritten by one supreme being, which must be fulfilled no matter what happens; even if the bestowed made zero efforts to “fulfil his/her destiny”. Maybe that’s what you hold on to, no problem. Good Luck. (However, you don’t need me to tell you before you know that even if GOD destines you to be wealthy, and you retain POOR habits, behaviours, and actions; you will never be wealthy! FACT!)

That said: “financial destiny” is not to refer to a “DEITY-BESTOWED-UNCHANGEABLE-WILL-THAT-WILL-HAPPEN-IRRESPECTIVE-OF-YOUR-ACTIONS” kind of Destiny. But, what you “CREATE-FOR-AND-BY-YOURSELF…” kind of destiny. In this case, you are THE G . O. D. creating YOUR DESTINY, by every step you take, beliefs you hold on to, actions and inactions, decisions and indecisions.

Of course, I’m proudly a believer in the existence of a supreme and all intelligent and all-knowing being popularly called GOD, and also believe in destiny (from God); but in a different sense, which I’m not about to discuss here.

The purpose of this article is to show and guide you; HOW TO CONTROL YOUR FINANCIAL DESTINY.

Firstly, note the word “CONTROL”. So, your financial destiny is what you can control. Secondly, just as I had pointed out earlier, your financial destiny is what YOU MAKE IT TO BE.

Okay, before I continue, I’d like to give a more contextual definition of “financial Destiny”

Financial Destiny: Your financial future, your future net worth, your future wealth status

It doesn’t matter who you are; whether you are a novice, a business owner or an investor, your financial destiny is yours to control. You are the captain of the ship in this story and no one can be more trusted with your financial future than you.

1. Financial Education

It takes a “foundation of working knowledge” to build wealth. The journey to financial freedom is one that begins with education. Before you can control the reins, you must know how money works, how investing works and how to manage your resources. You can not assume the position of ‘captain’ if you do not know how to sail a ship. Everyday is an opportunity to learn something more about finances. There is so much information out there that is ready to used by you. “With some simple knowledge of proven strategies, you can build wealth on your own” ( Dale Gillham ).

2. Know Your Goals

Remember that this is a journey, you have to know where you are going to. At every point in your life, you have to map out where you want to be financially. Financial freedom can not happen in a day. It is a process of achieving one goal to the next; goals that are realistic. Goal setting gives you a clearer picture, and it is a good motivational tool. 

3. Make A Decision And Stay Determined

The main reason why the poor and middle class remain where they are is because they are not determined enough. They hold on to the thought “they can’t”. To control your financial destiny, you must first decide what it is you want. Then you must stay determined till you attain freedom. Our tomorrow is based totally on our choices of today. Some of your financial choices might produce mediocre results, some might give us momentum and confidence. However, whether or not you reach the point of financial freedom is dependent on your determination to get there. With determination, you can even surpass those who had a head start.

4. Take Action

Controlling your financial destiny is more than knowing investment strategies. It is about knowing how money works and taking the proper actions in response. You can not just shelf your knowledge and expect that it would bring results. You can read all the books in the world but what would really count is what you did with your knowledge. Whether you have thousands or millions, take action today!

5. Protect Your Capital

Protecting your capital should be your priority. Many traders and investors often allow themselves to be concerned more about the profits than risk management factors. Remember that financial freedom can not happen in a day. 

  • By leveraging on others, 
  • Seeking returns on your capital, 
  • Avoiding bad debts,
  • Diversification
  • Selling even when you do not need to buy

These are ways you can protect your capital. 

6. Master Your Emotions

If you can control your emotions well, you can control your financial destiny. Emotions like fear only slows down your financial journey. Learn to handle your finances from a detached perspective. Be strict when it comes to getting emotional with money. Emotions are liabilities in finances. More often than not, they lead us to debt. 

7. Master Time

Timing is crucial in everything we do. Once you have mastered time, you have mastered it all. Understanding supply and demand, knowing what and when to invest in, understanding trading trends and more are ways you can master time. Also never be in a hurry. Hurrying leads to lack of control over yourself. Be patient with yourself and the market you are invested in. Mastering time assures your absolute control of your financial destiny. 

Financial freedom however, is a choice, not a dream. Anyone can become rich. Money doesn’t remember socioeconomic status or race. Anyone can be financially free. Your financial destiny is yours to control. Yours.

There are 2,095 Billionaires in The World and Tech Founders Dominate the  Top 10


5 min read
There are 2,095 Billionaires in The World and Tech Founders Dominate the  Top 10

If you’re one of those who know the importance of a RICH network to attain financial freedom, and also probably asking; “how do I build a rich network?” or in other words, “how do I change my network from Poor to Rich?”, this article is for you.

The journey of financial freedom begins with knowledge. You must know everything about money; its principles and its relevance. You must be clear about your financial goals and you must keep on learning. But knowing is the first step, the next step is being. Who do you need to become to achieve your goals? Then you must have. What do you need to have to achieve financial freedom?

There is a list of things you need to have; the list varies from person to person. However, one very necessary thing is common and surely stands out – network. You must have a rich network. Your network is an integral part of wealth creation. Without a good network of rich people, you might keep walking around in circles.

The Genesis

Insight is a treasure you can’t do without. All great men have insight. Most importantly, they know how to use their insight. Now, insight determines how well you know yourself. Without insight, you can hardly look into yourself and discover your true identity. Rich men vary in character, attitude, interests and many other things, but I have not found a rich man, who has not passed the journey of self-discovery. Because if you don’t know yourself, you cannot possibly know HOW YOU FIT IN! Everyone has a purpose, a place, a vacuum they are meant to fill; if you don’t know what that is for you, you can’t be successful.

In case you’re wondering, “how does this apply to having a rich network?” IT HAS EVERYTHING TO DO WITH IT! Yeah.

Networking means connecting/interacting with a set of people with whom you share common interests. Networking with rich people means, you have rich people as friends, colleagues, partners, mentors and even mentees.

How do you fit in with THE RICH? HOW?

The most suitable answer to this question will only surface after you’ve DISCOVERED YOUR SELF. What’s your purpose? Why are you here? What VALUE can you offer to the world? How can you SERVE the world? What IMPACT are you made to create in society? What are you bringing to the table?


This is the first and most important step to take on your journey to greatness.


Are you VALUABLE? In other words, are you a PERSON OF VALUE? Ask yourself. What problem(s) can you SOLVE? Value is one thing that will always be in demand. No rich person would want to associate with an EMPTY individual – one who has nothing to offer. Everyone loves things of value and people of value. What do you have to offer? What SKILL(S) do you HAVE? If you are a value provider, networking would not only be easy for you but it would be highly beneficial.

Imagine you meet Aliko Dangote in a conference and you are privileged to talk to him, what would you say? What would you tell him or offer him that would make him invite you to his house for lunch/dinner, or better still will make him impressed, interested in you, recommend you to his circle of friends (e.g. Bill Gates), or give you millions of naira/dollars??? How can you communicate value in a 1-minute, 3-minute, or five-minute conversation? Believe it or not, rich men don’t have time for NON-Sense(NO-Value). That is why it is hard to climb the ladder for those who lack value.

If you want a seat at the table of the RICH. OFFER LOTS OF VALUE/SERVICES. Remember I talked about “being”. You must be a value provider. Value attracts everyone. Value isn’t just money: it can be your expertise, your moral support, your intellectual resource, and so on.

This brings us to the need for you to invest in capacity building and personal development.

Have And Use A Common Ground

Churches, mosques, clubs, schools, student bodies, alumni bodies, associations; these are all common grounds you can use to change your network. Networking starts with communication. It is “the exchange of information and ideas among people with a common profession or special interest, usually in an informal social setting. Networking often begins with a single point of common ground” (Investopedia.com). If it is one thing poor people are guilty of, it is the underestimation and misuse of social gatherings. If you don’t meet them outside, where else? So if you do not have a common ground, find one. For example, if you are into real estate, look for a real estate investment association. Join the clubs that rich people join if you can. Common grounds provide you with a link to these people; it is up to you to use it. 

Understand Timing And Opportunities

You can not relate to everybody the same way. It takes emotional intelligence to know what to say to certain people. It takes emotional intelligence to create opportunities and to use time wisely. Emotional intelligence is a skill that you must have. It would help you with everything: how you talk, how you react, how you act and when to act. Time is a critical tool that benefits those who know how to use it. Master time and you can create opportunities. You must be sensitive to see opportunities when they arise and you must be ready to take them. How you dress, how you express yourself, in fact, your whole physical appearance must be deliberate as it can be useful in helping create opportunities. Remember that the way opportunities come is through conversation. The act of socializing is the tool used in networking. The bottom line is don’t just wait for opportunities, create time and use the time to your advantage. Be prepared at all times to turn every situation to your advantage.

Have Confidence

 Confidence is not pride, neither is it outspokenness. Confidence is trust in abilities – your abilities. It is knowing your worth and to trust your judgements. Confidence is a result of how much work you have put in yourself and how much value you are able to give. It is not something that can be given to you, it is something that is built by virtue of the depth of value in you. Confidence is key! You don’t want to stutter when trying to network. Confidence is a level of preparedness that you need. It is something you must always have with everyone. 

Value + Confidence= Rich People Interested In You = A Rich Network

Leverage on Your Family Relationships 

By this I mean, using family relationships or friendship relationships well. Your family and friends are your first circle of network. Don’t underestimate or misuse them. Professionalism when doing business with family or friends gives you respect and it builds integrity. Relate with your rich aunt or rich uncle or rich friend like you are relating to someone you have never met. It shows you are serious with your business. No one likes dependence. Stop asking for money for everything and start selling value to your family and friends. It would make them connect you with their own network. 

The Journey Continues…

Building a rich network or changing your network is not difficult; it is something you choose to go out and do. It is a deliberate action. If you want to be financially free, you need to have a network of people who support you, advise you, people who are invested in you. These people are your route to financial freedom. 

You also need to be a good network for people. You need to provide value and support to others. You need to be invested in other people’s success. You must be a source of benefits for you to receive benefits. Networking works when everyone gives and everyone receives. Changing your network starts from changing (building) yourself, which can only happen after self-discovery. Again who do you have to be? What do you have to do? What do you need to have? Even if you are not rich in money right now, you must be rich in value to have a network of rich people. 

Red Lamborghini Wealth and Luxury


4 min read

Red Lamborghini Wealth and Luxury

In life, desire is not enough. We can yearn for good things but nothing ever happens unless we make things happen. Wealth creation doesn’t happen in a day neither will it happen just because you desire it. It takes consistent deliberate effort to build lasting wealth. Which means wealth creation requires continuous (daily) work and a key fundamental aspect of it is knowledge – in other words, wealth literacy – or as many often put it; financial education.

Our school system has downplayed the importance of financial education so it is up to us to get the knowledge we need outside the four walls of the school. Education is in fact “the first step toward changing your life” (Kim Kiyosaki).  The rich get richer because they never stop learning. You cannot achieve anything great if you refuse to learn. As a result, if you truly desire to be great, you MUST imbibe the habit of continuous – DAILY – learning.

Car interior luxury rear seat


Financial education goes beyond teaching your kids or yourself how to save money. It is about knowing how to make, manage, plant, grow, multiply and keep Money. It is the understanding of the language of money and the skills required to multiply it. Financial Education is the education you MUST HAVE to BE RICH! Financial education is very important in wealth creation; which is why the absence of it in our traditional learning environment affects your finances and your ability to make good financial decisions.

It might surprise you to know that some people do not believe there is much to know about money. Why? Because they’ve been conditioned to think wealth creation is for a selected few and that it’s a thing of “destiny”. Beliefs like these are the primary reason why people underrate financial education.

However, for those who desperately want a way out of the limbo that society has created, you need to know just how to educate yourself about money. Luckily, knowledge can be acquired in different ways.


There is something common among all the billionaires and millionaires of the world and that is they all read. Books have proven, since the beginning of times, to be great and necessary resources for achieving greatness. Every rich man knows this. Never underestimate the power of reading a book. Mark Cuban reads for 3 hours each day, Bill Gates reads a book every week (52 weeks equals 52 books), Warren Buffett reads 500 pages every day; news alert – they’re all rich! The thing about knowledge is that it builds up like compound interest. It’s never a mistake to read. Develop the habit of reading. It doesn’t have to be a book, it could be a blog or an article. In fact, you’ll never know how much you can learn from reading the business column of the newspaper every morning. A great place to start is by visiting ngmoneyseries.com daily. Our blog posts promise to equip you with the right knowledge needed to get you to financial freedom.

Listen To Podcasts

Not everyone is a good reader and that’s okay. If you do better at listening then podcasts were made for you. Podcasts are a great way to learn about various topics of interests. You can learn at your own pace and you can listen anywhere anytime. So instead of listening to pop music on your way to work, tune in to a financial podcast. The iTunes store has plenty of beneficial podcasts, so you can start there. You can listen in chunks and learn from different people from different parts of the world.

Follow NgMoneySeries weekly podcasts on Instagram and Youtube.

Play Games

Okay, this might sound hilarious to you but do not ignore this point. Games are effective tools for learning. For example, Chess teaches you strategy and emotional intelligence. Even video games can teach you a thing or two about leadership and cooperation especially if you’re playing in a team. In Economics, there is in fact something called Game Theory. It teaches how to use the principles of games to make wins in real life. As it turns out, game theory can be applied in every aspect of life. So in addition to reading and listening to podcasts, challenge yourself each day by playing a thought-provoking game. And in turn, use what you learn in trial financial games online. That way you get an insight on reality. Besides it is better to practice with fake cash than your life savings.

One of the games you should learn how to play, and also play often is Monopoly. It teaches you a lot about money management, wealth building, and financial freedom.

Build Good Relationships

Every day is a chance to connect with someone new. The power and position of men are too crucial to be ignored in finances. You picked most “life lessons” you know today from someone, either consciously or subconsciously. Your parents/guardian, teachers, spiritual leaders, siblings, friends, colleagues, neighbours are all practical examples of why you shouldn’t ignore the effect of relationships in your success/failure; because they’ve all influenced you (habits, behaviours, mindset, thoughts, aspirations, desires) one way or the other, either positively or negatively. Your network of people can either help you achieve financial freedom or lead you to poverty. So every day, build on your existing relationships with the right people and connect with more. Have conversations about money and you’d be amazed how much people know or don’t know. One financially sound man in your life can change so much for you.

It doesn’t really matter how you learn, just that you learn. Go online, sign up for courses, talk to people, attend business conferences, read blog posts like ours, do what you need to! And do it every day.

I’ll leave you with this quote below;

Focus first on your education, then the money will follow”

Robert Kiyosaki