This post really makes sense. It covers the basics well and gives practical advice that any beginner can understand. But here’s a little contribution I want to add:

One thing I noticed is that emotional discipline is just as important as financial planning. Many people know what to do, but the real challenge comes when the market crashes or when people around them start panicking. That’s when most sell out of fear, even after planning for long-term.

Also, maybe it’s worth mentioning that not everyone has to invest heavily at once. Even small, steady amounts (like N10k, N30 weekly) over time can build a strong position. Especially if you're using Naira Cost Averaging (NCA).

Lastly, I’d suggest one more tip for risk management:

Never invest money you’ll need soon.
If your rent or school fees is due next month, that money shouldn’t be in crypto.