SholzCorner

Your salary is not your wealth.

You can earn ₦500k every month and still be broke.
You can earn ₦2m every month and still be broke.

Your income tells us how much money comes in.
Wealth tells us how much stays, grows and works for you.

The goal isn't just to earn more.
Earn. Keep. Invest. Grow.

That's the game.

- Sholz

https://www.youtube.com/watch?v=oHGx7...

16 hours ago | [YT] | 9

SholzCorner

An investment can be profitable and still be the wrong investment for you.

Let me explain. 👇🏽
Imagine you have ₦500,000 set aside for your child’s school fees, which you’ll need in 3 months.

You find an investment offering an attractive return and think, “Why not put the money there and make some extra cash?”

But there’s a problem.
What if the investment is locked in for 6 months?
What if withdrawing early comes with a penalty?
Or what if the investment’s value can fall and you’re forced to sell at a loss when you need the money?

The investment itself may be a good investment.
But it may be a bad fit for your financial goal.
This is why, before investing, don’t ask only:
“How much will I make?”

Also ask:
✅ When will I need this money?
✅ Can I access it when I need it?
✅ What level of risk am I comfortable taking?
✅ Does this investment match my financial goal?

Think about it this way:
A good investment + the wrong timeline = a bad financial decision.

The goal isn't always to find the investment with the highest return.
The goal is to find an investment whose risk, return, liquidity and time horizon fit what you want your money to achieve.

Your money has a job. Give it an investment that matches the job.

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2 days ago | [YT] | 14

SholzCorner

There will be seasons when your investments are growing.

And there will also be seasons when it feels like nothing is really happening.

Don’t let a slow season convince you that you are failing.

In investing, time is part of the process.

The seed doesn’t look like the tree.
The contribution doesn’t look like the final portfolio.
And the beginning rarely looks impressive.

Your job is to keep learning, keep making sound decisions, and keep building.
You may not see the results yet, but that doesn’t mean the work is wasted.

Stay patient.
Stay disciplined.
Stay in the game.

Your financial future is worth building.

Happy Monday. 💚

- Sholz

3 days ago | [YT] | 22

SholzCorner

A few years ago, I came across an investment story that completely changed the way I think about money.

Two people invested the same amount. One started earlier, the other started later.

The surprising part? The person who started earlier ended up with far more money, even though they didn’t invest the most.

That’s when I truly understood that investing is not just about finding the highest returns.

The real secret is compounding.

A small amount invested consistently can grow into something surprisingly large over time. The earlier you start, the more time works in your favor.

In this video, I explain how compounding actually works and why waiting can be one of the most expensive financial decisions you make.

Check it out here: https://www.youtube.com/watch?v=10VhW...

#Sholz

5 days ago | [YT] | 19

SholzCorner

A lot of people say:

“I have money invested, so I’m financially secure.”

But wait… where is the money you can access TODAY if an emergency happens?

Imagine you have ₦2million invested in an asset that is doing very well. Then suddenly, you need ₦500,000 for an urgent expense, but withdrawing the investment takes time, or selling it at that moment means taking a loss.

That’s why wealth and liquidity are not the same thing.

👉 Your investments are for growing your money.
👉 Your emergency fund is for protecting you when life happens.
👉 You need BOTH.

Question for you: If you suddenly needed ₦300,000 today, could you access it without selling your long-term investments? 🤔

This explains where your emergency funds can grow
https://www.youtube.com/watch?v=oHGx7...

6 days ago | [YT] | 29

SholzCorner

₦100,000 Today Is NOT the Same as ₦100,000 Five Years From Now

Money loses value over time because prices keep rising.

What ₦100,000 can buy today may require ₦150,000 or even more in a few years.

That’s why simply saving money is not enough—you need your money to grow.

The goal is not just to preserve money, but to preserve purchasing power.

Invest wisely. Your future self will thank you.

https://www.youtube.com/watch?v=B2Vw1...

#Sholz

1 week ago | [YT] | 26

SholzCorner

Here's to new opportunities, meaningful impact, beautiful memories, and countless reasons to smile.


Happy Birthday to me!

1 week ago | [YT] | 29

SholzCorner

Can ₦10,000 really grow into over ₦50 million?

Most people think this is impossible.

But it's not magic. It's not a Ponzi scheme. And it's definitely not overnight.

It's simply the power of consistency and compounding.

I broke it down step by step in my latest YouTube video using a practical example that anyone can understand.

Watch here: https://youtu.be/10VhWxEwu7w?si=8u6BT...

3 weeks ago | [YT] | 18

SholzCorner

There are two main ways investors make money from shares, and understanding them can help you become a smarter investor.

1. Capital Appreciation (When Your Shares Increase in Value)

This is the most common way people think about investing.

Let's say you bought shares of Company ABC at ₦50 per share.

A year later, the share price rises to ₦70 per share.

If you decide to sell at ₦70, you've made a gain of ₦20 per share.

This increase in the value of your investment is called capital appreciation.

The higher the share price rises, the more your investment is worth.

2. Dividends (Getting Paid for Owning Shares)

Some companies share a portion of their profits with shareholders.

This payment is called a dividend.

For example, if you own 2,000 shares in a company that declares a dividend of ₦3 per share, you'll receive:

2,000 × ₦3 = ₦6,000

The interesting part?

You can receive dividends without selling your shares, as long as you're eligible based on the company's dividend qualification date.

That's one reason many long-term investors love dividend-paying companies - they can earn regular income while still owning their investments.

Which Is Better?

The truth is, you don't have to choose one.

Many successful investors aim for both:

They invest in quality companies whose share prices can grow over time.
They also enjoy dividends when those companies distribute part of their profits.

That's how your money can work for you in more than one way.

1 month ago | [YT] | 18

SholzCorner

If you want to buy shares of companies like GTCO, Zenith Bank, Airtel Africa, Dangote Cement, or BUA Foods, you cannot buy them directly from the Nigerian Exchange (NGX).

You need a licensed stockbroker.

So, who is a stockbroker?'

A stockbroker is a licensed professional or firm that buys and sells shares on your behalf through the Nigerian Exchange.

Think of a stockbroker as the bridge between you and the stock market.
When you tell your stockbroker, "I want to buy 1,000 shares of Company A," they execute that transaction for you.
When you decide to sell those shares later, they also handle the sale.

What else does a stockbroker do?
A good stockbroker can also:
Help you open an investment account.
Provide market updates and investment insights.
Help you buy and sell shares.
Guide you on the investment process.
Ensure your transactions are carried out securely and in line with market regulations.

Do stockbrokers charge fees?
Yes.
Just like a lawyer or an estate agent charges for their services, stockbrokers earn fees for helping investors buy and sell shares. These charges are usually a small percentage of the value of your transaction.

Why does this matter?
Choosing the right stockbroker is one of the first and most important steps in your investment journey. A licensed and reputable stockbroker gives you access to the market and helps ensure your investments are handled professionally.

Have you ever invested through a stockbroker before, or is this your first time learning about one? Let me know in the comments!

1 month ago | [YT] | 21