04/09/2026
Career is about more than making money. Yet money helps to remove many of life’s inconveniences. That is why it remains strange that someone can attend a university, graduate and enter the workforce without receiving any practical education on personal finance and wealth management.
Universities teach corporate finance and equip people to make money for companies by optimizing the factors of production. But they rarely teach graduates how to manage, preserve and grow their own earnings. For me, that is a major failure of the modern education system.
As a young banker, I quickly understood one important principle: how much you earn is only a small part of your journey towards financial independence. Reaching that destination requires moving from a static phase to a dynamic phase. In other words, you must take action, and that action must begin with a plan.
During my first month as a banker, I developed what I called the 45-20-20-15 Strategy, allocating my wages among different “catalysts for success”:
Using simple calculus and regression, I estimated that by consistently investing 15% of my income, every five years of work could generate the equivalent of two additional years of wages, assuming constant inflation and currency values.
My strategy has changed over the years because my needs and responsibilities have evolved. Yet, the central message is simple: earning money is important, but understanding how markets work, and how to invest wisely, is indispensable.
Kedi came to solve this problem and to bring solutions to similar problems.
All you need to do is to DM or chat with me with the WhatsApp on the number on my profile
Tekedia Nigeria Capital Market Masterclass is a practitioner-led, intensive program designed to deepen the human capabilities needed to power Nigeria’s modern capital market. The Masterclass blends applied knowledge, real-market processes, regulatory frameworks, technology infrastructure, and hand...
