One of the common phrases you hear ex-working professionals voice out in retirement is this: Children please understand, there is no more money like before. This statement signifies a fall from a privileged life. Suddenly there is now caution on how money is spent. And money is now spent more wisely than before. The truth is most working professionals are stuck in the dilemma of not saving when there is money to be saved. And then savings when there is not much money to be saved.
Worse of all is that they are turning into savings advisors in retirement. And are advising others at a time when their own poor savings habit has led to a low-quality life. If you want to enter retirement with financial confidence, you must be wise enough to save when there is money to be saved. You must also be proud of your savings at the end of your career life. And be wise at a time when wisdom is profitable for you. Wisdom is only profitable when it can undo a bad condition. When you are already in a financial pit only regrets lie there.
So why do many working professionals end up in retirement with a basement life? The answer is simple but not simple for the unwise.
First, many professionals have good intentions but do not back their good intentions with a good plan. Good intentions are useless without a plan. And there are many good intentioned people living unfulfilled lives in the world. If your good intention will count for anything it must be backed up with a plan. It is your plan that becomes your reality in retirement and not your intentions. Thus, without a good plan your life will move from up floor to ground floor.
Second, many people have trouble saving when there is money to be saved. And this is so for three reasons.
First, they are working with a wrong savings calculation. Most people have only a faint idea of the savings it will require to achieve their dream retirement life. People are saving leftovers, and they are saving as if they have all the time. If you know that you have only 10, 5 or even one month to save the money that will fund your life for another 15, 20 or 25years, you will save differently.
Second, many people have the wrong perspective of time. They do not know how much time it will take to achieve their dream retirement life. It takes a long time. And the time is long not because of the investment vehicles but because of the small size of most people’s cash reserves. If you have the right amount of cash reserves you can achieve financial freedom tomorrow. There is also the disadvantage of time. The less time you have the more likely it is that you would settle for a downgraded life. If time is on your side at least you can build the size of savings that can buy you financial freedom. Thus, time is a bigger problem for most pre-retiree than income.
The third reason is that most people are either gambling and losing money or they are tying down their money in difficult to liquidate assets. Life in retirement will be run by cash. So it is either you have the cash or you have the investments that can easily produce cash. Even with the largest size of solid assets you can still be hungry and broke in retirement. Solid investments like real estate are a great housing investment. They perform poorly as a dependable investment for your retirement income.
The key to a restful retirement is to do more liquid and stable investments than solid investments. And to do more guaranteed income investments than volatile and gaseous income investments. If you cannot say when your income will come, how it will come and the exact amount that will come as you can say for your salary, you have a less optimal retirement income, and it will create stress and anxiety for you in retirement.
So, what then can you do to correct things from here? You can do four things.
The first thing is to re-prioritize retirement and do so with your savings and not with words. If you still lose over 80% of your income to expenses, you are working harder on a vanishing privileged lifestyle than you are doing creating a better life for yourself in retirement. Your savings should be between 25%-60% of your income if you are serious about retirement.
Second, you need to stop losing money and tying more money down in solid assets. You need liquid investments that can produce stable, recurring, and predictable passive income in retirement.
Third, you need to pay attention to your health. If you enter retirement with irreversible health conditions, your entire retirement plan will be destroyed. So, if you have not yet had any health crises but you fear one happening to you, chances are high there is one around the corner. Good health and fear do not mix. So, if you have fears about health crises there is a reason for your fear. Thankfully you can do something about it today. Health crises in retirement come knocking on doors that look and seem healthy today but do not know why. Only those that deliberately invest in their health and stick to wise health rituals will be vindicated in retirement. You can live a healthy and productive life in retirement without dragging your family into poverty. And you can also die a good death at the end of your life without consuming quality time. Health crises happen not because of age but because of bad lifestyle choices. So you must gain intelligence about your body and invest in it.
Fourth, you must develop high income skills. High income skills are those skills you need to earn income outside a job. Chances are high that your current income and savings cannot fund your dream retirement life. This means that you need to earn extra income. And the only way to earn extra income without breaking your back is to develop high income skills.
Unfortunately, the skills that you have today are support skills. Support skills work best within the support environment of a job. Thrown out there in the outer society these skills will fail. You need skills that can work in the chaotic outer society independent of a job. Skills that can create income from scratch. And convert your own five loaves of bread and two fishes into a banquet that can feed ten thousand. Without this kind of skills, you cannot enjoy a rich retirement life. If you need help developing these skills, send an email to email@example.com
One thing is sure at this point in your life. Without a plan your life will downgrade in retirement. Your plan today is what will determine your retirement life tomorrow. The big question is do you have a plan, and will your plan deliver your desired retirement results? If not then you need help. And we can help you. To get you started I have created a special template that will show you how to create and structure your own 6 or 7figure passive income in retirement. If you want this template, send an email to firstname.lastname@example.org.
The greatest tragedy in life is to have a past life that is bigger and better than your retirement life.
When Agada lost both parents before age 9, she was told that her place was at the bottom of the table where there is lack and scarcity. But rather than shrink to the bottom, Agada decided to create her own wealth table. Today, Agada is the most sought-after financial planning expert in Nigeria. She is a renowned author and keynote speaker and popularly known as the Upper-Class Mentor. Agada is the author of three books and possibly the most widely read financial articles. Her articles are spread across seven national newspapers and four of the most popular Nigerian blogs. Agada is also the founder of the University of Wealth, and she is on a mission to shrink the middle class and populate the upper class. Agada has been featured on BBC Africa. Business Day TV. Inspiration FM. and inside Naijatv. And she consults for numerous top organizations, company directors, CEOs, senior executives, and high-income professionals.
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The Big Financial Education That Will Speed Up Your Financial Freedom
There is virtually no day that passes that people are not seeking help to achieve financial freedom. You may ask yourself, why are so many people having a hard time achieving financial freedom? What is it about their investment efforts that is not working? And what do they need to do to produce the right results? Many valid questions but only a few valid responses. By the time most people get to us they have exhausted their investment efforts and are already at their wits end. Many of them blame their failure on a lack of financial education. But is financial education really the problem? How much financial education do you need? What truly is financial education? And what kind of financial education do you need to achieve financial freedom?
Financial education is the ability to use financial knowledge to gain financial freedom. This means that the only purpose for financial education is to gain financial freedom and not to become an expert trader or investor. But you still need to be empowered with certain financial knowledge to thrive in the investment market. But what financial knowledge do you need and why is the myriad of financial information out there not enough? Today I am going to show you why and I will distill out for you the most important information you need to achieve financial freedom.
There are three critical pieces of information that you need to achieve financial freedom. The first is You and how you affect the speed of your financial freedom. You are ultimately responsible for your financial freedom speed. The second is your Advisor- And the extent of success they can give you. Your advisor is responsible for how far you go on your financial freedom journey. And the third is your investment strategy and whether it makes you lose money or achieve financial freedom. Your investment strategy is responsible for how much money you lose and whether you achieve financial freedom.
Let’s look at each of these pieces of information
You And How You Affect The Speed Of Financial Freedom
You are ultimately responsible for the speed of your financial freedom, not the investment vehicle and not the investment market. The investment vehicle has a fixed speed and tenure. Take any investment that you know for example, there is a defined timeline and tenure of maturity. So, if an investment is to mature in 5 years there is nothing you can do to change 5 years to 2 years without consequences. So, investment vehicles are fixed in speed. The investment market also has certain fixed characteristics. For example, the investment market will go up and down no matter what you do. And you have little control over when it goes up or down. The best you can do is navigate the tide or position for it. Thus, the only thing you can truly control is You. And you affect your financial freedom speed by what you bring into the market. There is only one thing you bring that will affect your speed – it is your savings. Your savings are the only thing that will differentiate your success and those of other investors that enter the market at the same day with the same product. Your savings are the speed of your financial freedom. Thus, if you enter the investment market with epileptic savings it may be said that you are investing but financial freedom will be far from you. You must never pursue financial freedom prematurely with epileptic savings. The best thing to do is to begin your journey using what we call “Cash Reserve Investing”. Cash reserve investing is an investment strategy that focuses on building the right size of cash reserves suitable for financial freedom. Without this kind of cash reserve, you can’t win in the investment market.
Your Advisor – And the Extent Of Success They Give You
The truth is you have never achieved financial freedom before so if you are going to take investment action or currently taking one you are getting your lead from someone else. But who should you get a lead from and who is the best person to guide you? From our own experience investment advice comes from four sources. And each source will increase or reduce your odds of success.
Source one is your friends or colleagues. You take advice from friends and colleagues when they have taken certain investment actions that seem successful in the short term that you have not taken. This means that advice from friends and colleagues is based on certain investment decisions they have made and not a holistic picture of how you can achieve financial freedom. The effect of their decisions may be too premature for you to access it correctly. And research shows that most advice of this sort ends up being bad investment decisions. And this is so because you and your friends or colleagues all are still trying to figure things out. So, while they may know a few steps ahead of you, they are rarely the ones to show you how to reach your financial freedom goal. They haven’t achieved financial freedom before, and they cannot lead you to where they have not been.
The second source of advice comes from parents. Advice from parents is valid if they have achieved financial freedom themselves. If they ended up in a lower financial state at the end of their career life, then they will only give you advice based on what they did that did not work. If you follow this advice you will end up in the exact same place.
The third source of advice is advice from professional investment or financial advisors most of who work in large organizations as employees. People that achieve financial freedom do not remain as employees. So, if your advisor is still an employee, he or she is still trying to figure out financial freedom . Also, advice from these kinds of advisors is mostly product-based while they can show you how to buy their products and begin the financial freedom journey. They can’t show you how to achieve financial freedom because they have not achieved it themselves. The biggest challenge here is that your success ends where their investment product ends. You cannot go further beyond their products.
The fourth source of advice and the only advice that you should take is advice from a financial freedom expert. A financial freedom expert is a professional advisor who has taken the entire financial freedom journey. That is, they have achieved financial freedom using the same or a similar path as you and within the same country. They were once an employee like you, faced similar income and savings challenges, but were able to navigate their way to financial freedom. Advisors like this have a better current life than their active career life. Their life and journey are the evidence you need to know that they can help you, not some manufactured testimonials or something they say. If you follow this kind of advisor, you will not only achieve financial freedom, you will also know how to succeed in the business world. There are not many of these kinds of advisor available. Thankfully the one writing to you is one.
Your Investment Strategy And The Safety Of Your Invested Capital
If most people were to sum up the money they have lost in the investment market trying to achieve financial freedom compared to the money they have invested, the money they have lost will be more. Losing money through investing is a sign that you have the wrong investment strategy. To achieve financial freedom without fail you need to follow what we call the “financial freedom order of investing”. This is because it is the only order that can guarantee the safety of your invested capital and give you financial freedom.
So what is the financial freedom order of investing?
The first order is Cash Reserve Investing. You must first build solid cash reserves to win in the investment world. The quality of what you put in is the quality of what you get out. The second order is Passive Income Investing. The only way to achieve financial freedom is to build solid passive income, especially the size that is the equivalent of the income that currently sustains you. To build this kind of income you need to convert specific percentages of your salary to passive income. Our recommendation for conversion is to follow the order 25%, 50%, 75% and 100%. By the time you are done with our financial freedom program you would have built passive income that is worth 100% or more of your current income. The third order is Appreciation Investing. This is where you begin to build a solid Net Worth. Most times we recommend that you combine appreciation investing and passive income investing as time is of the essence. The fourth and final order is Return Investing. This is where you invest for returns and where you take the highest investment risk.
The problem is most people begin their journey with return investing and end up losing money. Thus, putting the cart before the horse. If you do it this way, regrets are inevitable. If you want to achieve financial freedom with speed, certainty, safety you must follow the financial freedom order of investing.
Perhaps your financial freedom effort is not giving you the desired results. We can help you. To see if you qualify for our help send an email to email@example.com
About The Author.
Grace Omenyo Agada is the most sought-after financial freedom expert in Nigeria. She is a renowned author, financial freedom advisor and keynote speaker. Agada is popularly known as the Queen of Financial Freedom, the Breadwinner’s Advocate and the Middle-Class to Upper-Class Mentor. Her goal is to help working professionals and breadwinners move their success and livelihood from a paycheck to their own solid passive income. Agada is the author of three books and possibly the most widely read financial articles. Her articles are spread across seven national newspapers and four of the most popular Nigerian blogs. Agada is also the Founder of the University of Wealth, the Rich Retirement Life Quarterly Publication, the Wealth Creator Quarterly Report, and the Wealthy Business Blueprint Program. Agada has been featured on BBC Africa, Business Day TV, Inspiration FM. and inside Naijatv. She consults for numerous top organizations, company directors, CEOs, C-Suite executives, and high-income professionals. To connect with Agada, send an email to firstname.lastname@example.org
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How To Save More Than You Spend And Double The Speed Of Financial Freedom
In a world where the majority choose instant gratification over delayed gratification, it is rare to see working professionals that can live off their savings without financial stress. What is common to see are working professionals that are rich because of their regular salaries and become poor the moment this salary disappears. Yet the most effective way to gain financial freedom and break away from middle-class poverty – a condition where the same person is rich during their active career years and poor in retirement, is to save more than you spend.
Today your life is stable and comfortable not because of your savings or investments but because of your regular paycheck. All paycheck-based success will disappear at retirement and when it does the only way to maintain the same quality of life is to have saved more than you spent. Thus, the level of comfort and stability that you will experience in retirement will be based on the size and integrity of your savings and how much stable passive income it has produced before retirement. Savings is thus the foundation for retirement success and without the ability to save more than you spend you cannot achieve financial freedom.
Yet research shows that 80% of working professionals suffer a deplorable lifestyle in retirement due to poor savings and overreliance on a paycheck-based success. Many do not save. Those who save only save leftovers of their income. And even others end up eating their savings reserves and undoing their success. Thus, in retirement it is common to see many people whose savings cannot save them and investors whose investments produce more anxiety than income. To have a restful retirement life you must save more than you spend and invest in ways that give you financial freedom before retirement. The question is why do many people struggle to save this way?
The answer is simple, but it has little to do with the economy, your employer, or the government and more to do with the financial decisions you are making every day. Let’s see some of the reasons why you spend more than you save.
Why you Spend More Than Save
There are only two reasons why you spend more than you save. The first is that you value today’s comfort over tomorrow’s security. And when the emphasis is on looking good today spending will always stay ahead of savings. The second is that you are working harder on growing a consumptive lifestyle than you are on maximizing a productive lifestyle.
Everyone has two kinds of lifestyle to maintain – a consumptive lifestyle and a productive lifestyle. Your consumptive lifestyle comprises your expenses and everything that drains income away from you. And your productive lifestyle comprises your skills, relationships, sources of income and everything that produces more income for you. The challenge is that most people can sit in their living room and increase their consumptive budget by 50% or 100% in a year simply by buying the latest car, iPhone or adding a new member to their family. But only a few people can increase their productive lifestyle (Income) by the same amount in the same year.
Research shows that most people would still be earning their first salary but for the regular salary increases and promotions that have increased their income over time. This means that if left alone only a few people can significantly increase their income outside their salary. Thus, at the end of a typical calendar year it is common to see people who have created more financial load than their income can handle.
Many years of financial load surpassing income and savings are completely eroded. Thus, at the end of most people’s career life they have succeeded in making other people richer through their spending than making themselves richer through their savings. Saving more than you spend is the only way to escape this rabbit hole.
But why should you save more than you spend and is this truly necessary? Let’s take a look.
Why Save more than You Spend
As a working professional the odds are stacked up against you. You earn a limited amount of income and have limited resources. Your regular income earning period is fixed to 30 years. Your time is consumed by one source of income limiting your extra income opportunities. Your relationships are more wealth- draining than wealth-creating. Your future goals are bigger and more expensive than your living standard goals. And your body will be requiring more maintenance after 30 years of a stressful work life. All this means that you will require more funds in the future than you do today. And you will require these funds in the absence of salary. Thus, the only way to survive in the absence of salary is to save a bigger portion of your income today, get rich slowly, and build solid passive income that can make you richer in the later part of your life than the former. This means that you must get to the point where your savings become your solid base and where your livelihood is funded from stable passive income than active income.
But how do you achieve this goal? Let’s take a look.
How to Save More Than You Spend
There are only two ways to save more than you spend. The first way is to earn income that is double or triple your current expenses. And the second way is to reduce your current expenses to half of your income and live a simpler and less consumptive lifestyle. Both options require growth, discipline, and delayed gratification and is easier said than done. Yet doing hard and difficult things like this that many people would not do is the only way to achieve your desired success.
To double or triple your income, the fastest way is to add a second source of income that can give you half, the same or more income than your current expenses. To do this you need to develop high income skills and look outside your salary income. Your salary can only crawl to success and your job-based skills and certification can at best give you another sluggish job-based income. To earn income quickly you must earn like a business owner.
You must find a source of income that can help you earn business-based income without the stress of owning a business. This income must require little of your time and must produce income that is bigger than the workload. To earn this kind of income you need to develop three skills.
The first is problem solving and creativity skills – the ability to identify high income problems and completely solve them using your own resources and creativity. The second is rich relationship building skills – the ability to identify, form and nurture wealth-creating relationships that can expand your opportunities, possibilities, and options. And the third is sales and marketing skills – the ability to find a customer, convince them to purchase a viable product and make the sale with little or no external help. Without these three skills, all you will have are multiple painstaking extra income options that require hard work and long hours like your current job, but are yet too weak to give you the financial freedom that you desire.
The second thing you must do is to live a simpler and less consumptive life. Living a simpler life means anchoring your expenses at a point that is the same or lesser than your savings. The first step to achieving this is to see your bonuses, allowances, and annual salary increases as investing income and not spending income. If you cannot live within your 12months salary budget, you have a high maintenance lifestyle. The second step is to make your savings fail proof. One of the biggest time-wasting activities is to save and end up eating your savings. Savings are for investing and not for spending and the only way to protect your savings from yourself is to make them fail-proof.
The third step is to invest without losing money. Losing money through investing is another big-time waster. Thus, to invest without losing money you must focus your investing on generating stable passive income and not risky, unreliable, and volatile returns.
It is better to be richer in the second half of your life when you can pursue your own goals, achieve self-actualization and build a lasting legacy than to spend your whole life working for food and survival.
If you need help saving more than you spend, making your savings fail- proof, developing high income skills and earning income that can double your savings and cash reserves we can help you. Send an email to email@example.com
Grace O. Agada is the most sought-after financial freedom expert in Nigeria. She is a renowned author, financial advisor and keynote speaker. And she is popularly known as the financial freedom advisor for working class seeking to join the upper class. Her goal is to help working professionals and CEOs fund their lives from passive income, escape middle-class poverty and Join the upper class. Agada is the author of three books and possibly the most widely read financial articles. Her articles are spread across seven national newspapers and four of the most popular Nigerian blogs. Agada is also the Founder of the University of Wealth, the Rich Retirement Life Quarterly Publication, the Wealth Creating Employee Quarterly Report, and the Wealthy Business Blueprint Programme. Agada has been featured on BBC Africa, Business Day TV. Inspiration FM. and inside Naijatv. And she consults for numerous top organizations, company directors, CEOs, C-Suite executives, and high-income professionals. To connect with Agada , send an email to firstname.lastname@example.org
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How To Be An Asset And Not A Liability In Retirement
An asset is a person or tool that produces income that is bigger than what is required to maintain it. And a liability is a person or tool that produces income that is smaller than the cost of its maintenance. Assets add value and create wealth for the beneficiaries of the asset. And liabilities deduct value and create poverty for the beneficiaries of the asset. When you are an asset, you become a problem solver to yourself, family, and community. And you participate in the initiation or elongation of generational wealth. When you are a liability, you are the problem, and you participate in the initiation or elongation of generational poverty. While it is easy to be an asset during your active career life, the challenge is maintaining your asset status in retirement. Research shows that 80% of working professionals do not retain their asset status meaning that more people will become liabilities in retirement than assets. Yet being an asset is the only way to maintain your financial dignity, relevance, and respect in retirement. Without help the transition from asset to liability is imminent for many and here is why.
Only three plans will determine your financial status in retirement. The first is the government plan. The second is your employer plan and the third is your plan.
The government plan is the pension scheme. You and your employer are a contributor to this scheme. However, this scheme only accounts for about 20% of your current income. And for those whose pension accounts for more than 20%, your purchasing power is still at risk. Thus, without a plan to augment pension becoming a liability in retirement is almost guaranteed. The only way to prevent this is to augment pension with additional investments. Yet what most people call investing is building a portfolio of assets that generates more risks, anxiety, and stress than passive income or freedom. There will be more investors in retirement who become liabilities than they will be non-investors. Not all investments can give you financial freedom and not all investment strategies can produce the size of stable passive income that can sustain you in retirement. Thus, without help you are more likely to invest in ways that make you a liability rather than an asset.
So, what must you do and how can you maintain your asset status in retirement?
You must do three things.
First you must understand what makes you an asset today. Second you must understand what can make you a liability tomorrow. And third you must know what to do to maintain your asset status in retirement.
What Makes You an Asset Today?
You are an asset today because you earn a regular income. An income that is stable, consistent, and the right size for your needs and goals. You are also an asset today because you can meet the needs of other people. If your income were irregular, you would be an asset today and a liability tomorrow. And if your income were smaller than your goals you would be a liability. Thus, the main reason why you are an asset today is that you earn a stable income that can meet your needs and the needs of other people. However, this stable, regular, and consistent income will disappear at retirement. Before this happens, you have two choices to make. The first choice is to transition from this disappearing income to passive income that is of equal size, stability, and regularity. And the second choice is to transition from this disappearing income to passive income that is irregular, unstable, and lesser than what you earn today. The choice is yours and this choice you are already making today.
The big question to ask yourself is this – who would you be at the end of your career? What income would you earn? What quality of life would you maintain, and would you do a better job at paying yourself than your employer or worse? Your answer to these questions and subsequent preparation will determine where you end up in retirement.
Truth be told you need a certain kind of income to have a restful retirement life. This income must exhibit the good qualities of salary and leave the bad qualities behind. And it must also be the same that can maintain your living standard.
What Makes You a Liability in Retirement?
When you decided to offer your time, skill, and energy to serve your employer for 30 years, one of the things you did not decide to do is to end up after 30 years a liability in retirement. But whether you decide this actively or passively, you are already making that choice today. The problem is you may not know how you are making this choice or how your current life affects your retirement life. So let me do you the favor and show it to you today. There are only two choices that will affect your retirement life. The first is the choice to live a rich life today. The second is the choice to live a better life in retirement. Both choices are opposite of each other, and you can only make one of them.
The truth is you only have 30 years of guaranteed income to plan for the rest of your life. While your income years are fixed to 30 years, your retirement years are not fixed. Your lifespan in retirement may span from 15 years to over 30 years depending on how long your life. Thus, what you do during your 30 income earning years will determine the quality of the rest of your life. To enjoy a restful retirement life, you must either be able to enlarge your income or stretch the income you earn to cover for both today and tomorrow. If you spend most of your income living large today, you will enjoy that life only for 30 years, and then it will be over. In retirement you will suffer the consequences of your actions. For example, if you save less than 25% of your income today, you do not need anyone to tell you where you will end up in retirement. Financial scarcity is the inevitable position for you. The only way to have a restful life in retirement is to save bigger portions of your income – 25%, or 50% or 75%.
How to Remain an Asset in retirement
To be an asset in retirement you must have the same currencies and resources that make you an asset today. There are five resources that make you an asset today. The first is income. Your income is the tool that gives you the ability to meet your needs and the needs of other people. You must retain the same size and quality of income to be an asset in retirement. The second is your job title or position. You are an asset today because many people see how your job position can help them achieve their goals. To maintain this kind of relevance in retirement you must do meaningful work that attracts other people to you. The third is relationships. You are an asset today because you have relationships that can get things done, open doors for you and for other people. To be an asset in retirement you must maintain a rich relationship network. The fourth is productivity. You are an asset today because your time has meaning and there are productive activities tied to your time. To be an asset in retirement you must remain productive and useful. The fifth is health. You are an asset today because you can pursue your goals without restraint. To remain an asset in retirement you must maintain good health.
The truth is your retirement life is predictable and the only miracle that will happen in retirement is the one you create for yourself today. Failure to recreate the resources that you will lose at retirement is the reason why many suffer in retirement.
The big question is can you really be and remain an asset in retirement — especially in a wobbling economy?
Would you be able to seize priceless opportunities in retirement or be restrained by cash?
Would you have the resources and people you need to make things happen in retirement?
And would you be able to maintain your asset status not just for 5 or 10 years, but for the rest of your life?
The answer is YES! And we can help you get there
To see if you qualify for our help send an email to email@example.com
Grace O. Agada is the most sought-after financial freedom expert in Nigeria. She is a renowned author, financial advisor and keynote speaker. Her goal is to help working professionals and CEOs fund their lives from passive income, escape middle-class poverty and join the upper class. Agada is the author of three books and possibly the most widely read financial articles. Her articles are spread across seven national newspapers and four of the most popular Nigerian blogs. Agada is also the Founder of the University of Wealth, the Rich Retirement Life Quarterly Publication, the Wealth Creating Employee Quarterly Report, and the Wealthy Business Blueprint Programme. Agada has been featured on BBC Africa, Business Day TV, Inspiration FM and inside Naijatv. And she consults for numerous top organizations, company directors, CEOs, C-Suite executives, and high-income professionals. To connect with Agada, send an email to firstname.lastname@example.org.
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