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Money Coach & Personal Finance Author for African Millennials & GenZ’s || I help you FIX YOUR FINANCES so that you can journey to financial freedom & live life to the FULLEST because money is no more a barrier! 💜💡💸

You can be doing the right thing with your finances, but at the wrong time.Interesting, right?Yes.Because sometimes, the...
15/10/2026

You can be doing the right thing with your finances, but at the wrong time.

Interesting, right?

Yes.

Because sometimes, the problem isn’t that you’re making a bad financial decision.

You’re actually doing something that is financially responsible, but just not at the right stage of your financial journey.

For example:

Investing is good.

But is aggressive investing the right thing to do when you have zero emergency savings and one unexpected expense could send you into debt?

Saving is good.

But is putting every spare naira into savings the right thing to do when your income is too low to meet your basic needs and what you actually need is to increase your earning capacity?

Paying off debt is good.

But should you throw every single naira you have at a low-interest debt while leaving yourself with absolutely no cash buffer?

Starting a business can be good.

But is it the right move when you haven’t figured out how you’re going to survive financially if the business doesn’t make money for the next six months?

Investing in yourself is good.

But should you be spending heavily on courses, certifications and conferences when you are already struggling to pay your essential bills?

Do you see the point?

Sometimes, the thing you’re doing isn’t wrong. The timing is.

This is why personal finance cannot be reduced to a list of things you should or shouldn’t do.

“Save.”

“Invest.”

“Pay your debt.”

“Start a business.”

“Buy assets.”

“Build multiple streams of income.”

All of these can be good financial advice.

But good financial advice without context can become bad financial decisions.

Your financial life has seasons.

There is a time to stabilise.

A time to increase your income.

A time to build an emergency fund.

A time to pay off expensive debt.

A time to invest aggressively.

A time to take calculated risks.

And sometimes, a time to simply survive and get back on your feet.

The goal is not to do everything at once.

The goal is to understand what your money needs from you RIGHT NOW.

Because doing the right thing at the wrong time can still create the wrong outcome.

So before you make your next financial move, don’t just ask:

“Is this a good financial decision?”

Also ask:

“Is this the right financial decision for me, at this stage, given my current reality?”

That’s where financial wisdom comes in.

Right thing.
Right time.
Right season.

That’s how you build sustainable wealth.

I hope the message is clear! Please share this with someone you care about.

Love, Light and a sprinkle of Money in between 💜💡💸

The Money Mechanic 💰👩‍🔧




Still coming soon 🙌🏼I hope you are ready to learn!
13/10/2026

Still coming soon 🙌🏼

I hope you are ready to learn!



Take note: Your financial freedom is not dependent on anyone but YOURSELF‼️
13/10/2026

Take note: Your financial freedom is not dependent on anyone but YOURSELF‼️

Sometimes, the solution isn’t to save or invest.I know you think the solution to your financial hardship is to start sav...
01/10/2026

Sometimes, the solution isn’t to save or invest.

I know you think the solution to your financial hardship is to start saving and investing.

But what if it isn’t?

What if, right now, what you actually need is to increase your capacity to earn?

Some people are still deep in what I call FINANCIAL SURVIVAL MODE‼️

You can barely afford food.

You are struggling to put together transportation to get to work every day.

You are borrowing to meet basic needs.

You are constantly calculating what to remove from one necessity to pay for another.

And then someone comes along and says, “You need to save. You need to invest.”

You just laugh.

Because how hungry person go save?

I see you.

I hear you.

I understand why that advice can feel almost insulting when you are struggling to meet your most basic needs.

And this is the reality for many Nigerians.

But here is where I want to challenge you:

We cannot stay in survival mode forever.

Your goal right now should not necessarily be to become an investor.

Your first goal should be to get yourself out of financial survival mode.

And sometimes, that means going to work.

Take the honest job.

Take the job that isn’t your dream job.

Learn a skill.

Offer a service.

Take the side hustle.

Sell something.

Work overtime if you can.

Go where the opportunities are.

Build relationships.

Learn something that increases your earning power.

Do whatever honest thing you can do to increase your income and create some breathing room.

Because you see, if ₦100,000 is coming in and your basic needs already require ₦120,000, the problem isn’t that you haven’t learnt how to budget properly.

There is a mathematical problem that budgeting alone cannot solve.

You need more income‼️

And please don’t misunderstand me.

I am not saying saving and investing are unimportant.

They are extremely important.

But financial wisdom is also knowing what to do at the stage you are in.

➡️ If you are struggling to eat, your immediate priority may be getting food on the table.

➡️ If you cannot consistently afford transportation to work, your immediate priority may be stabilising your income.

➡️ If you are drowning in debt, your immediate priority may be dealing with the debt.

➡️ If your income is simply insufficient for your basic needs, your immediate priority may be increasing your earning capacity.

There is a time to survive.
There is a time to stabilise.
There is a time to save.
There is a time to invest.
And there is a time to build wealth.

Don’t feel ashamed because you are not investing ₦50,000 every month when you are still trying to figure out where your next meal is coming from.

But don’t make survival your permanent identity either.

Your assignment is to find your way out.

Start with what you have.

Take the work you can get.

Develop yourself.

Increase your skills.

Increase your income.

Reduce unnecessary financial leaks.

Build some stability.

And when you finally have some breathing room, then you can begin to build the financial habits and investments that will take you beyond survival.

The goal isn’t merely to survive.

The goal is to eventually get to a place where you can save, invest, build assets and create choices for yourself.

So if you are currently struggling financially, I don’t want you to leave this post feeling guilty because you aren’t investing.

I want you to leave asking yourself one question:

“What can I do differently to increase my income and get myself out of survival mode?”

Start there.

One step at a time.

Your current financial situation may be your reality today.

It does not have to be your permanent reality.

Happy Independence Day once again!

Love, Light and a sprinkle of Money in between 💜💡💸

The Money Mechanic 💰👩‍🔧





🇳🇬 HAPPY 66TH INDEPENDENCE DAY, NIGERIA!66 years of independence, and the question remains: are we building the financia...
01/10/2026

🇳🇬 HAPPY 66TH INDEPENDENCE DAY, NIGERIA!

66 years of independence, and the question remains: are we building the financial independence to match our national independence?

Because freedom is not just about being free from colonial rule. It is also about having the knowledge, skills, and financial capacity to make choices about the life you want to live.

As we celebrate Nigeria today, may we become more intentional about how we earn, spend, save, invest, and build wealth.

A better Nigeria requires citizens who are not just hopeful about the future but are also equipped to build it.

Happy Independence Day, Money Nation! 🇳🇬

Here’s to a Nigeria where money is no longer a barrier to living life on our own terms.

Love, Light, & a Sprinkle of Money in Between.

— The Money Mechanic



30/09/2026

I strongly believe that the church has a huge role to play in equipping its members with financial literacy. Thank you to the youth fellowship of COCIN LCC AGINGI for inviting me to your assembly! It was a fantastic time. Do you want The Money Mechanic to speak to your congregation about their finances? My DM is open.

Love, Light and a sprinkle of Money in between 💜💡💸

The Money Mechanic 💰👩‍🔧





LADIES, HERE’S ANOTHER REASON WE NEED TO TAKE WEALTH CREATION SERIOUSLY.Women, statistically, tend to live longer than m...
28/09/2026

LADIES, HERE’S ANOTHER REASON WE NEED TO TAKE WEALTH CREATION SERIOUSLY.

Women, statistically, tend to live longer than men.

Did you know that???

Globally, WHO data has consistently shown a longer life expectancy for women than men. (WHO Iris)

And I think we need to look at that statistic beyond health.

It is also a financial issue.

Because if you are fortunate enough to live a long life, your money needs to last a long time too.

Think about it.

You may spend 30–40 years of your life actively earning an income.

But what happens when the salary stops?

What happens when you retire?

What happens if you live another 20, 25 or even 30 years after your working years?

Who pays for your housing?
Your food?
Your healthcare?
Your lifestyle?
Your emergencies?
Your dreams?

And if you are a woman who may also have children, ageing parents, siblings or other people who depend on you, the financial responsibilities can stretch even further.

This is why I don’t want us to think about wealth creation as a luxury.

I want us to see it as preparation for the life we are hoping to live.

We don’t build wealth simply because we want nice things.

*We build wealth because we want OPTIONS.*

The option to retire without begging.

The option to walk away from a bad situation because you can afford to.

The option to take care of yourself without becoming someone else’s financial burden.

The option to support the people you love without destroying your own finances.

The option to live longer without becoming poorer simply because your income stopped.

Ladies, your future self is going to need money.

And she cannot go back in time to build it.

She can only benefit from the decisions you make today!

So please, don’t just work hard for today’s income.

Build assets.
Invest.
Increase your earning capacity.
Protect what you have.
Learn how money works.
Create multiple streams of income where appropriate.
Plan for retirement.
And most importantly, start.

You don’t need to become wealthy overnight.

But you do need to become intentional Because the goal isn’t merely to live a long life.

The goal is to have the financial capacity to live that long life with dignity, choices and peace.

Ladies, let’s build the kind of wealth our 60-year-old, 70-year-old and 80-year-old selves will be grateful we started building today.

Can I count on you?

Love, Light and a sprinkle of Money in between 💜💡💸

The Money Mechanic 💰👩‍🔧





Here are 7 reasons you belong in the stock market 👇🏼1. You want your money to grow. Saving is important, but investing g...
25/09/2026

Here are 7 reasons you belong in the stock market 👇🏼

1. You want your money to grow. Saving is important, but investing gives your money an opportunity to grow over time.

2. You want to beat inflation. Leaving all your money in cash while prices keep rising can quietly erode your purchasing power.

3. You can start small. You don’t need to be rich before you become an investor.

4. You have long-term goals. Retirement, buying a home, your children’s future, financial freedom — investing can be part of the strategy.

5. You want to own businesses. Buying shares means becoming a part-owner of companies you believe can create value over time.

6. You want more than one income stream. Your salary or business income doesn’t have to be the only way your money works for you.

7. You have time. One of the biggest advantages a young investor can have is TIME. Compounding needs time to do its thing.

And here’s the thing:

You don’t need to know everything before you start. You need to know enough to start wisely.

If the stock market still feels confusing, intimidating or like something meant for “rich people,” I wrote a simple beginner-friendly ebook to help you understand how to get started.

📖 HOW TO BUY YOUR FIRST STOCK: A Beginner’s Guide to Investing in the Nigerian Stock Market

Get your copy and learn how to move from “I don’t understand stocks” to “I know what I’m doing.”

You belong in the stock market. Start learning. Start investing. Start building wealth.

👉🏽 Get your copy here: https://selar.com/byfsebook

Love, Light and a sprinkle of Money in between 💜💡💸

The Money Mechanic 💰👩‍🔧





You can prosper whether you believe in God or not This is something I teach consistently especially because many people ...
25/09/2026

You can prosper whether you believe in God or not

This is something I teach consistently especially because many people think that they can boycott the process of building wealth and pray/wish their way to success

It doesn’t work like that

Wealth has principles and people who follow them meticulously will get results.

What makes it different for believers is that we have the backing of God and secondly, our motives for wealth are selfless and not selfish. We see wealth as stewardship and we see ourselves as channels to bless the nations. So we build from a place of purpose.

I found something interesting in the book I am currently reading:

It says,
“The Bible teaches in Proverbs 10:4 that the diligent worker will prosper, no matter whether that worker is a believer or not. God makes people rich because of diligence and hard work, not because they are followers of one or the other prosperity teacher.”

✍️ Sunday Adelaja

This really got me thinking!!!




Last last, Aren’t we all selling our time for money? This morning as I was headed to the office, I found myself thinking...
24/09/2026

Last last, Aren’t we all selling our time for money?

This morning as I was headed to the office, I found myself thinking and pondering on this question.

You know, many times we try to shame employees for “selling their time for money”… as if entrepreneurs and self employed folks aren’t doing the same.

Come to think of it, whether you work for someone or you run your own thing…. You are still selling your time for money.

The only distinguishing factor is “how much are you getting in exchange for your time?”

Because again, there are people who are still employees of companies but if you hear their salary ehhhhh… wow wow

I personally don’t think there’s anything wrong with having a job; I mean, someone needs to fill that role.

I think that what should mainly be our focus as individuals should be to ensure that we are increasing our earning value consistently.

Earn more. Negotiate better pay. If you aren’t in a position to negotiate, find a better role.
Ensure that your time is being compensated in a valuable manner.

And you can only demand for more IF YOU ARE MORE.

I also think that your 9-5 should never be the end of the road for you. Diversify, turn your skills and experience into side gigs. Invest your earnings into passive income. Start a business. Whatever you decide… sha Just don’t rely on your 9-5 salary alone.

Once again… everyone is selling their time for money. The issue now is, for HOW MUCH???

I’d really like to hear your thoughts 💭

Address

Jos

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Saturday 09:00 - 17:00

Telephone

+2347042069173

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