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How To Make Your Financial Freedom Dreams Come Through Half The Time

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There are two paths people take when seeking to achieve financial freedom. The first path is the short-term investing path and the second is

By
Grace Agada

Most working professionals say that financial freedom is their goal. But if they must achieve it, they must do so within their 30-year work career time. Research shows that 80% of them are failing to achieve it. That is after grinding at a job for 30 years. The big question is why?

Why haven’t many achieved financial freedom despite years of hard labour? Why have the many investments effort spanning over 30 years not produced the right results? How can you achieve financial freedom in half the time?

The answer is simple.

You need to do two things.

First you need, to choose the right path. And second you need to close the gap between learning and doing.

1.Choosing the Right Path
People take either of these two paths when they want to achieve financial freedom. The first is the path that leads to financial freedom. And the second is the path that leads to middle-class poverty. While no one sets out to be poor in the end, many fail to make their good intentions come through. This means that you can have good intentions and still end up in poverty. Good intentions are not good enough. You must be able to make your good intentions come through. Almost everyone knows someone who had good intentions that never came through. And for 80% of working professionals this is their fate.

So how do you make your intentions come through?

The fastest way is to enter the right path and then to take the actions that lead to freedom

So, what is the right path and how do you find it?

READ ALSO: Middle-Class Poverty And How To Escape The Rich Dad, Poor Dad, Same Dad Syndrome

You find the right path by taking three simple steps.

Step 1-Choose a Financial Freedom Role Model
The first step to achieving financial freedom is to find a person that has achieved it. If you want to do something you have not done before the fastest way is to find someone who has done it to guide you. The right person for you is anyone who was once in your shoes but has now stepped out onto bigger shoes.

The mistake most people make at this stage is to choose popular success models like Elon Musk, Mark Zuckerberg, or Dangote. If you do this, you will fail because none of these models were once in your shoes. And a model must be once in your shoes to guide you through that path. These models are all business success role models. And you can model them when you enter the business world. Also, a business success model is 500 times more likely to achieve financial freedom than you will ever dream of as an employee.  So, you must choose a model that has a similar or complementary background.

When you find your model, study them, observe what they are doing and earn their mentorship where you can or interview them. Do not make the mistake of modeling their lifestyle. If you do, you will go broke faster than you will make money. The focus here is to model their actions. Observe their mindset, perspectives, and attitude. If you are lucky to work in an organization where the CEO was once an employee like you, then you have the perfect person to model right in front of you every day.

Once you understand the actions, mindset, attitude, relationships, and rituals that are producing the desired results, you need to write them down.

The more actions you take that are in alignment with the actions of your success role model the faster you will achieve financial freedom.
Once you write down what you have observed to be the key success factors, divide them into two categories. First are actions that are easy and those that you like. And second is actions that are hard and those that you don’t like.

Now here is the golden key

The hard actions that you do not like are the keys to your own financial freedom.
Every easy action and admirable life are first produced by difficult and unadmirable actions. If you make the mistake of modelling the easy things you will fail.  You must model the difficult actions that produce the easy life.

Step 2-Choose a Financial Poverty Role Model
The second step is to find a person that represents a poverty role model to you. That is someone that was once in your shoes. But today you pray never to be like. This is the easiest role model to find. And the best place to look are ex-employees like you who are now in retirement.

READ ALSO: How To Lift Your Income Above Your Financial Goals

When you find your poverty role model, find out these two things about them. First find out what they did when they were at the peak of their career life that you liked. And second, find out the things that their life is about now that you do not like.
Now here is the key.

The things that you like or love about your poverty role model when they were at the peak of their career is the key to your own financial poverty. If you model them, you will end up in the same place.

The same action always produces the same results. If you do not like the end results you must never model the actions.
I know this is a difficult thing to do for most people as some of the actions seem noble. For example, most of your poverty models may have helped a lot of family members, poor people, and sacrificed a lot for other people save themselves. But there is nothing noble about being good to others but yourself. True nobility is about being good to yourself and then others. And this is the only kind of nobility that can lead you to financial freedom.

Step 3: Find Out Who You Are Becoming
The third step is to list the financial actions, mindset, and attitude that you are exhibiting today and compare them first with your poverty role model. And then with your financial freedom model. Who do you look more like and who are you becoming every day? Remember actions lead to results. And the quality and timing of your actions is what will determine your end results. You cannot model poverty and become a success and you cannot model a success and become a failure.

2.Closing the Gap between Learning and Doing
The second thing you must do to achieve financial freedom is to close the gap between what you are learning and what you are doing. The truth is there are more learners in the world than there are doers. That is why poverty is on the rampage. Only doers achieve financial freedom. For example, at the end of this article you will know how to achieve financial freedom. But by this time next year only 15% of you would have taken any action. Knowing a thing will never lead to success and here is why.

Knowing a thing is about learning-a simpler, more passive, and easy to do activity. Achieving a thing is about doing a harder, more active, and more difficult thing to do. The only way to close the gap between learning and doing is to develop and upgrade your discipline.

Discipline is the golden bridge to financial freedom. And if you fail to achieve financial freedom there are only two reasons why. The first is ignorance which will no longer be the case when you finish reading this article. And the second is the lack of discipline which is the most likely to stop you.

For example, most people know what they should do to improve their financial life, but they don’t do it.

They know they should save more than they spend. They don’t do it

They know that they should earn more than one income. They don’t do it.

They know that they should plan early for retirement. They don’t do it.

If you can bridge the gap between what you know and what you do you will be far more successful than you are today.

The difference between the success of any two people five years from now is discipline. Discipline carries more weight than knowledge.

And the one with the discipline to act will always beat the hard worker or the hard learner anytime.

READ ALSO: How To Maintain Your Current Quality Of Life In Retirement

It’s now up to you whether you choose to be a learner or doer. Whatever you decide, know that it is your life, future security and happiness that is on the line here.

Act now before you are forced to act by pain.

Bio
Grace O. Agada is the most sought-after financial planning expert in Nigeria. She is a renowned author, financial expert and keynote speaker. Agada is popularly known as the upper-class mentor and her goal is to help working professionals escape middle-class poverty and transition to 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 Bootcamp, and the Wealthy Business MBA Programme. Agada has been featured on BBC Africa, Business Day TV. Inspiration FM. and Naijatv. And she consults for numerous top organizations, company directors, CEOs, senior executives, and high-income professionals.

 

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Business Intelligence

Short-term Vs Long-term Investing – The More Sure Path To Financial Freedom

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There are two paths people take when seeking to achieve financial freedom. The first path is the short-term investing path and the second is

 By

Grace Agada

There are two paths people take when seeking to achieve financial freedom. The first path is the short-term investing path and the second is the long-term investing path.  If you were to choose a path based on the timeline alone, the short-term investing path will be the obvious choice. But that will be an unwise decision to make. The wiser decision is to ask yourself if there are more important criteria to consider than timeline – and there are. For example, you need to ask yourself – Why am I investing and what end goal am I trying to achieve? You also need to know which of these two investment paths will deliver your desired end results faster? And finally, you need to know the path that possesses the most guarantee of delivering your desired result. Answering these questions will give you a better perspective on which path to choose and follow.

For example, we know from experience that not all shortcuts eventually become shortcuts. Most shortcuts turn out to be longer cuts at the end of the day. So, you need to be sure that a shortcut will end up being a shortcut for you. It is also important to note that the timeline of a thing is not as important as whether you achieve the goal you set out to achieve in the end. Thus, hinging your investment decision based on timeline alone is a short-sighted approach to investing.

For over 12 decades research shows that 80% of working professionals have been matching into retirement with a lower quality life. All of them are investors that have engaged in one form of short-term investing or another . Some have even spent their entire career life investing. Yet, all of them fail to achieve financial freedom before retirement. If short-term investing were really working short-term, it would have been possible to achieve financial freedom within a 30-year work life. But for many this is not so. Thus if you spend your active career life investing in ways that deliver everything else but the ultimate goal of investing, then you have simply wasted your time and pain awaits you in retirement.

READ ALSO: How To Make Your Financial Freedom Dreams Come Through Half The Time

The truth is financial freedom cannot be achieved through short-term investing efforts. Especially when these efforts come with little or no guarantees. But you also do not need 30 years of active investing to achieve financial freedom. You can achieve financial freedom in half the time if you invest in ways that hit financial freedom straight on the head. The more guarantee you can have on an investment path the more likely it is that you will achieve your desired end goal. Investing is thus not a guarantee to financial freedom.  You can invest all you want and still not achieve financial freedom. The only way to achieve financial freedom is to enter the financial freedom path.

So, what is the financial freedom path?

The financial freedom path is the path that leads to financial freedom. To succeed on this path, you need four things. The first is time. The second is money. The third is a plan. And the fourth is investment neutrality.

Time is a critical factor in investing as it gives everyone a level playing ground. With time a person with little resources can achieve comparable investment results like the person that has large resources but no time. Without the introduction of time people with little resources cannot afford investing or achieve comparable results like their richer counterparts.  Thus, if you still have time but little resources, you should leverage  time as time is your greatest asset. The only way to achieve financial freedom with little resources but ample time is to focus on investing for financial freedom and not rush after quick and unstable returns.

Money is also another big advantage if you lack time. With the right size of money, you can achieve financial freedom within a shorter time. But this will only be possible if you have the right plan and follow the right guidance. The right plan is a financial freedom investing plan. And the right guidance is an advisor who themselves have achieved financial freedom. No amount of money is immune to a loss. And despite the amount of money that you have you can lose all of it or tie it down in the wrong investments with the wrong plan and advice. Thus, if you have money, the only other thing that can hold you back is the wrong plan and advice.

Take a look at your own life for a moment and assess where you are and the goals that you have accomplished. All of them were  made possible by the plan and advice you have followed before now. While they have brought you this far, they may not be able to take you further. If you have not yet achieved financial freedom, chances are high that they have taken their full course. To move to the next level, you need a new plan and advisor.

READ ALSO: Middle-Class Poverty And How To Escape The Rich Dad, Poor Dad, Same Dad Syndrome

BLastly you need to develop investment neutrality and approach investing from a result-based perspective. Many people fall in love with their investments such that they cannot move away from a bad investment decision or detach from a low performing investment. They fall in love so badly that they are blinded by emotions. Here is some advice, if this is you. You can invest your love in your spouse, your children and your neighbor. If you still have some love left, send some my way wrapped as a gift- I will take it if it keeps you from throwing all that love on your investments. Your goal as an investor seeking to achieve financial freedom is not to love the investment. But to choose only investments that can deliver financial freedom. You must detach your emotion from investing if you will ever achieve success. If you can invest 10, 20 or 30 years of your life going to a job that you do not necessarily love just to pay the bills, you can invest objectively in investments that deliver the right results and forget about your feelings or ego.

You have a 30 year career life, a crawling salary, time that is tied to one source of income and a disturbing retirement gate. You cannot invest like everybody else.  To achieve financial freedom, you must decide to think like the wealthy class. The wealthy class never pursue quick wins or get rich quick schemes. They are methodical, strategic and are the wealthiest people on the planet. If we are to compare results, their results show that their way is working. If you will ever achieve financial freedom, you must learn their ways. The ultimate goal of investing is to achieve financial freedom. Any investment effort that falls short of this goal will keep you in perpetual financial bondage.

If you need help getting on the financial freedom path, we can help you. Send an email to info@createsolidwealth.com

Bio

Grace O. Agada is the most sought-after financial planning expert in Nigeria. She is a renowned author, financial expert and keynote speaker. Agada  is popularly known as the Upper-Class Mentor and her goal is to help working professionals escape middle-class poverty and transition to 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 Bootcamp, and the Wealthy Business MBA 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, senior executives, and high-income Professionals.

 

Read more authentic news on our social media platforms

 

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Business Intelligence

Middle-Class Poverty And How To Escape The Rich Dad, Poor Dad, Same Dad Syndrome

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There are two paths people take when seeking to achieve financial freedom. The first path is the short-term investing path and the second is

By

Grace Agada

Poverty comes in different shades and types and depending on where you are you will be threatened by a certain type of poverty. There are three types of poverty and each of them threatens a different class in society- the lower class, the upper class, and the middle class.

Lower Class Poverty
Lower class poverty is called the capacity deficient poverty. This poverty is caused by a deficiency in the capacity to create wealth. No poverty is too strong to hold a person of high capacity bound for a very long time. That is regardless of where they live, the circumstances of birth or childhood and the opportunities that are available to them. People of high capacity create their own opportunities and innovate their way out of problems. They can thrive with little resources and manufacture their own success from it. This is how the popular grass to grace stories were created. And this is how a sizable number of the world’s wealthy people created their wealth. They created it against all odds. Today there are many more wealthy people who made their wealth from scratch than there are people that inherited wealth. What this means for you is that you can begin from where you are today and end up in a better place. Yet without capacity you can’t do it. And capacity here means three things. The first is a Wealthy mindset. You must be there in your mind before you get there. The second is high income skills. You must lift the ceiling off your income and earn the freedom to earn from many sources. And third is rich relationships. You must develop the skills to form relationships that can open doors for you. Thus, to get out of lower-class poverty you must upgrade your capacity

READ ALSO: How To Lift Your Income Above Your Financial Goals

Wealthy Class Poverty
The wealthy class also have their version of poverty. Their version is called the low standard poverty. Wealth in the wealthy class is created by maintaining certain high success standards and living a disciplined lifestyle. No undisciplined and low standard person can create wealth. Thus, poverty in the wealthy class is caused by the reduction, change or neglect of the high standards that got you there. Maintaining high standards for a long time under a disciplined environment takes a lot of hard work. Thus, the temptation is to relax a little, reduce the standard and enjoy life once wealth is created. This is the fastest way to go down. Thus, the secret to falling from the upper-class when you get up there is to change the standard or formula that got you there. While failure is the reason for success, success is also the reason for failure. So, when you get up there you must discipline yourself to maintain success standards. And create a financial wedge system that can perpetually sustain you at the top.

Middle Class Poverty
The final type of poverty is the middle class. And middle-class poverty is called passive income deficient poverty. Middle-class poverty is caused by the failure to fully transfer one’s livelihood from active income to passive income before retirement. That is the kind of passive income that can sustain your living standard. Middle class poverty is the reason for the financial disease that plagues 80% of the middle class today. It’s called the rich dad, poor dad, same dad syndrome. Unlike the popular rich dad poor dad story by Robert Kiyosaki which comprises two dads, most middle-class families have a rich dad and poor dad in the same dad. This means that the same dad was rich when the children were growing up and became poor when the children grew older.  Children are having to watch their parents deteriorate from a prestigious and high-quality life into a low-quality life in retirement. Research shows that about 80% of today’s working class will become poor dads in retirement. That is after having a seemingly successful career. If you want to escape middle-class poverty and remain a rich dad all your life you must do certain things differently. Whatever you are doing and whatever 80% of the population is doing and have always done is wrong. How else would you explain the many ex-working professionals who lose their financial dignity in retirement? To end up in retirement as a rich dad you must build passive income that is not just stable but able to carry the weight of your living standard and future aspirations.

So how exactly do you achieve this?

There are three things you must do.

The first thing is to increase your earning capacity. The second is to save big portions and the third is to build the financial freedom passive income.

Increase Earning Capacity
There is little you can do with a low income or a high income that is terribly overwhelmed by expenses. The lower your investable income the longer it will take for you to achieve financial freedom. Also, you may never achieve it as you are caught in a constant battle between meeting today’s pressing needs and tomorrow’s financial security needs. Thus, to achieve financial freedom your current life must be stable and free from enormous financial pressure. This is because financial freedom is a long-term pursuit. And no one can put money aside long term if their current life is on fire. Thus, the first goal for you if you are not yet financially stable is to achieve financial stability. If you on the other hand you have a stable financial life the next goal for you is financial freedom. To achieve financial freedom, you cannot depend on income alone. You need the second component which is to save big portions of your income.

Save Big Portions
Big portion saving is saving that preserves a sizable amount of your income for financial freedom. And there are three levels of big portion savings to achieve. The first is the basic level savings. This is where you save 25-30% of your income each month. When you invest this amount the way that I will teach you, you will create passive income worth 20%-25% of your current income. This means that your total passive income at retirement would be 40% of your current income. That is if pension provides the remaining 20%. This is a better place to be in than most people will ever be.
The second option is the advance savings option. This is where you save 40%-50% of your income. In exchange you get passive income that is worth 40-50% of your current income. This means that you will be able to retire to passive income worth 60-70% of your current salary. A better outcome than what you will get with the basic savings option.

READ ALSO: How To Maintain Your Current Quality Of Life In Retirement

The third option is the supreme savings option. This is where you save 60% -70% of your income by finding other extra sources of income to support it. Invested the way that I teach you will produce passive income worth 60-70% of your current income. Which brings your total passive income to almost 100% of your current salary. This is the way to end up in retirement as a rich dad.

Build Financial Freedom Passive Income.
The third and final step is to invest the financial freedom way and to build passive income that can give you financial freedom. To achieve this, you must choose investment vehicles that have the following three characteristics. The first is passive income production ability. To sustain your living standard in retirement you will need investment vehicles that can produce passive income that is worth the same or more than your current income. This is because life does not get cheaper as you grow older. It gets more expensive. If you look at your own life this is likely to be the case. The second characteristic is recurring stability. Your passive income must not only have recurring income it must be stable. You must be able to build passive income that replicates the good sides of salary. That is, it must come in every month, it must come in unfailingly, you must know when it will be coming in, the amount that will come in and the time that it will come in- end of the story. If you have passive income that does not have these characteristics you will suffer financial anxiety in retirement. The final characteristic your passive income must have is that it must last for a lifetime. Unlike your salary your passive income must never retire or run out on you.

If you need help creating this kind of passive income and escaping the middle-class poverty, send an email to info@createsolidwealth.com

Bio
Ever heard of The Rich Dad, Poor Dad, The Same Dad Syndrome? A situation where the same dad was rich when you were growing up and poor when you became older. That is the fate of 80% of working professionals today. My goal is to help you escape it. Grace O. Agada is the most sought-after financial planning expert in Nigeria. She is a renowned author, financial expert and keynote speaker. Agada is popularly known as the Upper-Class Mentor and her goal is to help working professionals escape middle-class poverty and transition to 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 Bootcamp, and the Wealthy Business MBA 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, senior executives, and high-income professionals.

 

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Business Intelligence

How To Maintain Your Current Quality Of Life In Retirement

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There are two paths people take when seeking to achieve financial freedom. The first path is the short-term investing path and the second is

By

Grace Agada

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.

READ ALSO: How To Lift Your Income Above Your Financial Goals

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.

READ ALSO: The Three Skills That Will Increase Your Financial Success

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 info@createsolidwealth.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 info@createsolidwealth.com.

The greatest tragedy in life is to have a past life that is bigger and better than your retirement life.

READ ALSO: How To Grow Rich With The Power Of Profitable Relationships

Bio
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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