1. Don’t be an emotional giver. Givers never lack, but emotional givers lack. If you’re an emotional giver, people will always manipulate you to give against your wishes.
2. Don’t be fond of spending money without counting. If you’re fond of spending money without counting, you’ll get broke without noticing.
3. As a man, if you’re financially stable in your 20s or 30s, anything you buy for personal use, also consider your future family. If you have the money, buy more. Don’t wait until you’re married. Marital responsibilities may prevent you from buying home equipment.
4. Control your cravings. If you often give into cravings, you will hardly save.
5. If you’re from a family that’s not financially stable, when you start making money, mind the family responsibilities you undertake, or it can drain you. Take it bit by bit, don’t try to do too much. If you try to do too much and get broke, the same family members will still blame you for using money unwisely. Take it bit by bit until you’re financially stable.
6. When you want to invest in something new, whether business or anything else, don’t invest all your money. It may not turn out the way you wished.
7. Stop going to events to make unnecessary promises. Even when it’s necessary, cut your coat according to your size.
8. The people you’re spending on may be hiding their savings. No do pass yourself.
9. When you start making money, don’t upscale your lifestyle immediately. It’s a trap. Live below your means.
10. Avoid posting your achievements on social media, including WhatsApp status, to avoid excessive demands from family and friends.
11. Don’t lend people money you cannot afford to lose. People hardly pay back.
12. Most times, don’t lend people money more than once. Chances are, they might pay back the first time just to impress, but stop paying back after that.
13. If possible, avoid debt. Debt steaIs your future income.
14. While waiting for your dream job, get any job that’s comfortable just to boost your income. A little earning is better than begging people for money.
15. Avoid promising your relatives and friends money or projects that involves money. That’s why most of us have issues with our uncles and aunts. We complain about how they ignore us after sending account numbers. Don’t promise your relatives or friends money or projects that involve money because things may not go as planned. Instead, surprise them. A pleasant surprise is better than unfulfilled promises. Unfulfilled promises create room for grudges among friends and family.
16. You cannot build wealth by jumping from one source of income to another. You will end up becoming a jack of all trades but master of none. Focus on a particular niche, learn, explore, and excel first before you add other sources.

17) Never let anyone know exactly how much you earn, not even your close friends and family. The moment they know how much you earn, they start expecting more from you.

18) Don’t disclose your savings to a financially undisciplined partner, they might drain your account.

19) Avoid bétting. Addiction can be disástrous.

20) Avoid wománizing. One woman is enough.

21) Surround yourself with friends who inspire financial discipline not the ones who drain your wallet. Avoid hanging out with friends who pressure you to overspend.

22) Don’t compare your finances to others. People will only show you the source of their income not the source of their wealth. All that glitters isn’t gold. Focus on your financial journey.