If you’ve ever reached the middle of the month with your bank balance looking annoying, this book is for you. Managing money as a young Nigerian, whether you’re hustling in Lagos, serving in the north, schooling in Birmingham, or working shifts in Manchester, is no small feat. Between owambe invitations, unexpected debit alerts, family commitments, and the seductive call of the latest iPhone, it’s easy for your finances to spiral out of control. I wrote this book for people like you: • The young salary earner trying to balance a fun life and savings. • The student looking for extra income and smart ways to manage it. • The immigrant learning to navigate a new financial system while supporting loved ones back home. Why this book? Financial literacy is the life skill you were never taught in school but desperately need to thrive in today’s world. From budgeting basics to side hustle ideas, debt management to beginner investments, this guide will help you move from paycheck-to-paycheck survival mode to making intentional money moves. How to use this guide: Read it chapter by chapter or jump to the parts that matter most to you now. There’s no jargon here, just simple, relatable, actionable advice you can start applying today. So, grab your favourite drink (or zobo, if you like), find a comfy spot, and let’s talk money. Yours in good fortune, Ifemidayo Odekunle