Personal finance and money management in Nigeria. 1. Introduction 2. Understanding the Nigerian Financial Landscape 3. Budgeting: Taking Control of Your Money 4. Saving Smartly: Building a Safety Net 5. Side Hustles & Multiple Streams of Income 6. Investing in Nigeria: Real Estate, Stocks, and Cryptocurrencies 7. Avoiding Debt Traps and Managing Loans 8. Japa Planning: Financial Readiness for Relocation 9. Navigating Economic Uncertainty 10. Final Thoughts & Resources. Money is a tool.