ENSLAVE YOUR SAFE; INVEST IT

‘Kayode Oyero

Hi my friend! How are you? Trust you’re doing great. Permit me to share with you an opulence mentality called investment. It is the mindset that distinguishes perpetual salary-earners from income-earners - entrepreneurs. So, I’ve titled this one: Enslave Your Safe; Invest It!

“…money, be it in form of accumulated wage, salary, reward, profit or loan melts away like Shea butter under intense sunlight if not hid under the protective shade of investment…money in your safe is a slave…”

Lately while my eyes toil the pages of a book, I stumbled on an outstanding phrase. The author told me sternly that the true meaning of knowledge is “to ‘know’ is to have an ‘edge’”. Yeah! People who know are outstanding. His morphological dissection of the word is no doubt apt. Also is his sense of reasoning reasonable.

But recently while I browsed thought catalogue in the courtyard of reflection, I realized that as plausible as the author’s assertion is, it finds no correct or acceptable relevance in the world of finance.

Yes, the more we ‘know’, the likely our chances of having an ‘edge’ over associates, contemporaries and colleagues in job securements, official promotions and corporate appointments. But this is unlikely in the school of financial intelligence. Until you apply the knowledge and principles of acquiring and perpetuating wealth, you can’t have an ‘edge’ even with all you ‘know’ about multiplication and duplication of money. Wisdom locked up in the head pays no one. So dear friend, apply all you know to your advantage, today!

Now, let’s face it! It is no fallacy that a major yardstick that the society uses to measure the weight of an individual’s success is such person’s financial buoyancy or economic clout. In social interpretation and perception, the man who is successful or who has true knowledge is the man who has an ‘edge’ with not what necessarily he ‘knows’, but what he can ‘show’. Call it show-off or exhibitionism, the fact remains that wealth is the topmost criterion that convinces the society into admitting that an individual is accomplished.

The ugly tales of some Universities Dons who have medley of degrees yet reek in great degree of debts, ineptitude and financial bankruptcy suffice to this notion. These are intellectuals who fail to commercialize their knowledge. Entrepreneurship is their put-off. They enjoy loafing in the safety of monthly salaries and allowances, school buildings, trappings and other borrowed properties provided by the institution as motivation and compensation of service. They ignore the narrow and thorny but rewarding path of financial independence, forgetting that money, be it in form of accumulated wage, salary, reward, profit or loan melts away like shea butter under furious hydrolyzing power of harsh sunlight if not hid under the protective shade of investment. Indeed, complacency is the father of stagnancy!

Dear friend, in the classroom of financial education, the more you yearn for the secret of Oceanic prosperity and the more you learn its ropes and apply the fruits of pecuniary knowledge and wisdom acquired, the more you earn. There’s no two way to it. It’s not magical, only practical. Just go out! To go out is to stand-out!

Dear friend, permit me once more to introduce to you, five stages to Monetary Independence. I call them The Five poverty Extinguishers. This discovery is borne out of a critical cross-examination of lives of folks in longtime romance with opulence and magnanimous prosperity; it is the result of a long-time clinical observation. Here we go!

Number 1: LEARN

This is the first of the five extinguishers of penury. This phase entails preparation and acquisition of necessary skills, technical-know-how and expertise through training and mentorship, be it through academic, technical or commercial education, thus, bagging certificates which is testimony of an individual’s competence in a specified field of human endeavour.

Through this poverty extinguisher, you fatten your barn of expertise, acquire knowledge, ideas and intricacies of a business line required to create value for mankind and invariably reap profit for yourself. Remember, preservation of self-interest is the first law of nature and it takes idea to get to there.

Number 2: EARN

No man is an island but the energy and wherewithal to grow into an island lie latent in every man. And until it is activated, a person’s potential remains dormant. With the skills acquired, get a paid employment. This avails opportunity for corporate experience and exposure. It also allows you to build up capital for your own establishment if only you:

PAY ONE OF YOUR TEN

Amongst the options to build up a secure capital for self-own business, paying one tenth of your monthly salary or accumulated wages into your investment purse is the surest. Although lending from thrift societies, loans, grants and soliciting help from family members and associates may be viable and provide a lump sum of substantial capital, but remember, he who desire, must show will. Asides, debt is like a deep pit which one may descend quickly into and struggle vainly for years to escape.

To pay one of your ten monthly, control your expenditure. Shun money-swallowing and needless self-indulgent ventures like acquisition of wants – frivolities and liabilities; a man who consumes all his seeds is left with none for planting, thus, truncates the possibility of having fruit-bearing trees. At first, it may be difficult to pay a tithe every month into investment account, but it pays after all. Have you heard the cliché: little drops of water make a mighty ocean?

“Yeah, it’s as common as salt in most delicious soups!”

Good. Your simile is appetizing! If so, then,

INVEST AND HARVEST

Having being able to boast of a capital with the application of the systemic approach up there by paying your monthly investment bill: at least one of your ten every month, it’s time you enslaved your safe. Money in your safe is a slave; it must work and labour in interest-yielding investment(s) – your own investment.

Dear friend, with the experience garnered so far, this stage beckons on you to pull the trigger of resignation especially if your burgeoning business demands your personal monitoring, therefore reduce your productiveness and efficiency at your paid employment because of less devotion and attention paid to it. Moonlighting can be dangerous at times. Juxtaposing can be detrimental, unless if it is real estates, stocks and bonds amongst just a few less attentive investments.

May I drop this on you: to Investment is to harvest; it is directly proportional. Sow risk, hard work, steel persistence, sheer determination and reap bounty reward. Needlessly, the road to financial independence proves seldom frustrating and often laced with disappointments, setbacks or one or two shortcomings, but I assure you its forthcoming is juicy. Remember, to try is to triumph. To aspire is to go higher. To stand out is to go out; come out of your comfort zone. The largest room in life is that of improvement. Unshackle the handcuff of status-quo. You can do it because you are meant for the peak and it’s in You!

Number 5: DIVEST

Dear friend, let’s take a cue from the roots of trees. When fully mature, a tree saturates its root around its area of plantation. It spreads its tentacles so wide that it is sometimes unimaginable and inexplicable why it covers such distance in the soil. Here is the reason: every tree understands the secret of relevance called security. Consequently, it infiltrates the soil further with stalks of its root so as to be sturdy, unconquerable and withstand whirlwind and tempestuous storms that may threaten its survival.

Dear friend, with a fruit-producing tree in an area of establishment, wisdom dictates that you divest; diversify. I am yet to hear or see an affluent man with just a stream of income; it is always a span of Business Empire. Politicians, kidnappers, fraudster, hired assassins and folks in other unprintable vocations outside human decency are however an exception.

Even inherited wealth if not cultivated withers; it diminishes and evaporates. What is cultivated develops while what is left un-prune deteriorates. Streams dry up. Ponds dry up. Rivers dry up. Lakes dry up. But an ocean never dries up because it receives water from multiple estuarine sources. Show me five to seven out of ten outstanding people and I will show you intelligent folks with sound financial understanding of investment. They acquire, save and enslave their savings. They make it labour and relish its succor.

Dear friend,success associate itself with men who have completely demolished the pillar of procrastination with their caterpillar of determination. Until you move, nothing will move, so dear friend, Learn, Earn, Pay at least one of ten monthly, invest and harvest, then divest. Enjoy pleasure while your treasure works and produce more treasure, then sit back, relax and enjoy the tasty fruits of your investment when old age slips in. Remember wealth is not in a man’s wallet but in the golden streams that fill it. The withering of the dry leaf is a warning to fresh ones. Gather Gold before Old age gets hold of you. 

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...Kip da Optimism Alive!

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