Reading the forum, it's clear that sometimes the way women are viewed differs greatly from one country to another. What is the position of women in budget management in your country in general? Are women interested in saving and investing? Have you tried to orange pill her? If not, why not? Why, statistically, are women less involved in finance/trading/banking?

The President Bola Tinubu-led Nigerian government has ordered continuous salary deductions from federal workers to recover "excess payments" made in December 2024, blaming the situation on a system error. 

The Office of the Accountant General of the Federation (OAGF) confirmed in a Friday statement, signed by its Director of Press and Public Relations, Bawa Mokwa, that deductions are ongoing and will continue until the overpaid sums are fully recovered.

This move has come as a shock to many civil servants because when the money was paid last December everyone thought it was exmass bonus which is usually what is done during festive periods, what do you think that the situation?

https://saharareporters.com/2025/03/08/tinubu-government-orders-salary-deductions-nigerian-workers-claims-december-was-overpaid

Can we establish that financial intelligence is not a genetic trait, but an acquired trait, and by that, just as charity begins at home, financial education also begins at home.

Children who grow up in an environment where their parents practice strong financial discipline and it is very evident because of how it has created a balanced growing environment for them where they never lacked nothing but at the same time never wasted anything, will grow up to become children who will also show signs of strong financial intelligence. Do you agree?
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Yes it is quite agreeable when you say financial education begins from home, when you grow up in a home or environment where people are good business oriented or good management, there you see people of this kind go about life with good financial management irrespective of there statuse or social class, and sometimes too, it is genetic, from parents to offspring.

By my assumptions, there are strong indications already that we are moving past an era where employers put educational qualifications at the fore front of their requirement for employment into certain positions, some employers now hold personal qualities such as skills possessed by the individual ahead of the school they went to and the degree they graduated with. First, I would like to ask, could this be a reflection of a failing educational system? My second question is that if you happen to be the employer here, which will you consider more, school or skills?

By my assumptions, there are strong indications already that we are moving past an era where employers put educational qualifications at the fore front of their requirement for employment into certain positions, some employers now hold personal qualities such as skills possessed by the individual ahead of the school they went to and the degree they graduated with. First, I would like to ask, could this be a reflection of a failing educational system? My second question is that if you happen to be the employer here, which will you consider more, school or skills?

What exactly is your goal when it comes to people around us and investing, is it to have everyone investing, or to have everyone around us not just investing, but investing in bitcoins?

How will you feel if after you try convincing people around you to consider investments especially in bitcoins and they end up investing in another thing not bitcoins?

   I've seen a lot of threads that talks about Bitcoin sensitization, and the benefits that could come with it.
Some say the Nigerian people need to be enlightened more about Bitcoin and crypto in general.
Yes quite frankly that's correct, but one thing I've keenly observed in the attitude of some certain Nigerians,
Infact a lot Nigerians is that they have this sharp-sharp mindset / mentality.
If you take a look at some of our Youths today especially those into fraudulent activities, you can't tell me they're not aware of Bitcoin or crypto
But due to negligence and the urge to get rich quick the just cannot be patient.
So tell me how does a person with such mentality go into Bitcoin that requires patience and a long term goal.

This Bitcoin sensitization is good but it's not naturally meant to be received by everyone!!!

Having multiple sources of income is good but when there isn't stability of the outcome of income or wages at the end of the day, there is sure to be poverty and lack of financial power.
Therefore, do you think that a source of income must be steady enough for years, before one can be financially free or rich or very wealthy, depending on the source(s) of income?

Marriage is often romanticized, but the reality is far more complex. Many couples enter marriage with little understanding of how to navigate conflicts, communicate effectively, or manage shared responsibilities. So, what kind of marriage education do we actually need?

First, we need practical tools—not just fluffy theories. Think conflict resolution skills, financial planning, and emotional intelligence training. Second, real talk about expectations. Too many people go into marriage with unrealistic ideals, only to face disappointment later. Finally, normalize ongoing education. Marriage isn’t a one-time event; it’s a journey that requires constant learning and adaptation.

What’s missing in today’s marriage education? Should it start earlier, like in schools? Or is it something couples should figure out on their own? Let’s discuss!

Just as the topic states, It just came to my notice that most people jump from one business to another every year as result of one problem or the other. And most of the problem may not be from the environment of the business, but it Could be as a result of not improving in mindset and attitude. Now my question is that among this two listed below, which one should be more considered in making progress in such situation?
1) change of mindset
2) change of environment

Apart from this two, which other factors can be needed to improve or succeed? Feel free to contribute.

"Merry Christmas Bitcoin and Bitcointalk Forum! 🎄🎅 Greetings and congratulations to all members of the Bitcoin Forum. Hope this festive season brings happiness, peace, and prosperity to our all lives, and together we can take this forum even further."  Good luck to everyone on this journey forward in the Bitcoin, Bitcointalk Forum and crypto world. Stay safe, and keep the forum moving forward together!” Cheers!

Democracy, which is supposed to be government of the people, for the people, and by the people, is now the new way for modern slavery. The government of my country, under the pretense of democracy, are taking citizens through hell. The situation we are in is a situation of smiling in pain.

The government, which is supposed to look out for us, are the ones tearing us apart. The currency does not have much value, inflation is on the high side, and the prices of things are triple the price it was at the beginning of the year.

The citizens speaking seems they are shouting into a void. It seems democracy has been used as a cover for either military rule or other forms of oppression that do not listen to the people.  Those in power want to keep fooling the people and continue ruling under the tag of democracy.

It's not easy to think positively with the current economy talk less about starting out on your own because there are certain opposing government policies and oppositions too.  What people do is adjust to the hardships.

People start looking for side incomes, working three jobs at once, trying to make ends meet, always on the go to work, neglecting their health and neglecting their emotions. A lot of people are even emotionally unstable, but they can't talk about it because that's not what's on the ground. You have a family to feed, you have responsibilities to take care of.

Political instability is the major cause of current economic hardship. The government is stabbing us while hugging us. Do you think political instability is the major course or something else?

Wow, happiness can be free and easy if you learn to be grateful for what you have today. There is still room to aim for more wealth or possessions, but you are already wealthy if you are happy with what you have.  


Edit: ps. The above works for both males and females.

I have a friend who was elected into a political office. Before he was elected he was well known for his uprightness and integrity. Now, his new office is filled with corruption in the form of looting of government funds. He told me that when the allocation from the central government comes, the chairman of the local government will call them and give them a large amount for their upkeep. But they still receive their monthly salary and allowance.

He is well aware that the allocation was for the development of the local government, but he is forced to take it since almost all the elected officers are collecting it. The first time he rejected the money, he received a threat that he would be impeached or violently attacked. This is because his colleagues are scared that he might reveal the corruption that is going on in the local government.

My friend decided to set up a foundation that gives scholarships and builds schools. With the illegal funds, he usually receives every month, he has been able to finance the education of many poor students in his ward and has also built and refurbished a few schools.

He knows that those funds he receives are illegal but he vowed not to use them for his personal needs. What is your opinion on this matter?

Buying a home or owning a home brings more than what you said about paying taxes etc. We save funds that we spend on renting houses, and we save on food that we will buy from restaurants or hotels because in our home we will be buying in bulk, and cooking food at home for 5 people is much cheaper than in hotels or restaurants. There are many other things to consider besides just cooking and eating.

The point is houses are definitely not a good investment financially but inheriting to kids is a big investment.

There are houses in my place that gave 10 over the 10 years so yeah financially houses are not good investments. They won't be a good investment and there is a study that shows that renting a place is much cheaper than owning a house.

If an economy is bad it's assumed that it's because the leaders of the country do not set right economic policies in place.

If a nation is at war it's assumed that it's because of the decision of the leaders.

If the educational system is faulty it's assumed that it's because of the decision of the leaders and even when a country is doing well in the global stage in sports, academics and other areas, it's still all about the leaders.

Is it the leaders of a country that makes them good, bad, at peace or in war? Or is it the led who are the majority that determines what becomes of a nation.

We live in a globalised technocracy where people have been reduced to nothing more than economic units. Voting legitimises an illegitimate system. Don't go out to vote in their little charade. Have some dignity. Don't contribute to the tryanny of modern governance systems.

Ona good day ooo. Sometimes I dey wonder waiting this world or this country for look like if crypto been no dey because the rate of hardship in this country is too much and waiting dey cause some of this hardship na selfishness and man know man which most people call tribalism. Imagine where pesin go commot go look for work pesin wey dey in charge go tell you say no vacancy or chance for you mean while there is vacancy and you are qualified for the task but because you are not from same place with them, they will deprived you of the opportunity. Now, those vacancy, chance or slot they use to buy it and the people wey dey buy am na the big men, so times dey go buy slot keep for pesin wey no dey qualify for the job or dey go buy am keep for pesin wey never graduate from school. All these things dey very annoying, in fact e dey discouraging but I go advice everyone to keep pushing one day e go turn around for your good. However, crypto don make so many people no to get interest for all those company work because you fit dey your house dey make your cool money, nobody dey stress you, nobody to disturb you, you fit sleep anytime you want and wake up continue your work, you decide if you go work or not. Crypto is really helping, I get friends for school wey no get parents and right from our first year in school they have being paying their fees with the help of crypto, crypto has given a lot of skilled and unskilled individual hope or reason to survive. Crypto is really sweet and amazing because those salary wey company dey pay worker month end in crypto you fit make the money 1 or 2hrs depending na so crypto sweet reach.

Ona good day ooo. Sometimes I dey wonder waiting this world or this country for look like if crypto been no dey because the rate of hardship in this country is too much and waiting dey cause some of this hardship na selfishness and man know man which most people call tribalism. Imagine where pesin go commot go look for work pesin wey dey in charge go tell you say no vacancy or chance for you mean while there is vacancy and you are qualified for the task but because you are not from same place with them, they will deprived you of the opportunity. Now, those vacancy, chance or slot they use to buy it and the people wey dey buy am na the big men, so times dey go buy slot keep for pesin wey no dey qualify for the job or dey go buy am keep for pesin wey never graduate from school. All these things dey very annoying, in fact e dey discouraging but I go advice everyone to keep pushing one day e go turn around for your good. However, crypto don make so many people no to get interest for all those company work because you fit dey your house dey make your cool money, nobody dey stress you, nobody to disturb you, you fit sleep anytime you want and wake up continue your work, you decide if you go work or not. Crypto is really helping, I get friends for school wey no get parents and right from our first year in school they have being paying their fees with the help of crypto, crypto has given a lot of skilled and unskilled individual hope or reason to survive. Crypto is really sweet and amazing because those salary wey company dey pay worker month end in crypto you fit make the money 1 or 2hrs depending na so crypto sweet reach.