For ages 16–24

Learn to handle money before you have serious money.

A financial foundation training that teaches you what nobody sat you down and taught — before your 20s turn into an expensive classroom.

₦7,000 · one training, lifelong foundation

📅 Saturday, 30th August · 8:00 PM · Venue to be communicated

I Want My Money Foundation

Instant access after payment · Learn at your own pace

EARN
MANAGE
SAVE
PROTECT
INVEST
GROW

You've probably thought one of these.

And nobody's really answered them for you yet.

I have money, but I genuinely don't know where it goes.
My income isn't steady, so budgeting feels pointless.
Everyone says "invest" — but invest in what, and with what money?
I want to save, but something always comes up.
I don't want to make a stupid money decision I can't undo.
I know I should be responsible with money. Nobody taught me how.
Get Into the Training
The core idea

You don't need serious money to start learning how to handle money.

Wealth-building doesn't begin with picking an investment. It begins with knowing how to earn, manage, save, protect, understand and grow — long before the numbers get big.

If you can't manage ₦20,000 intentionally, earning ₦200,000 won't automatically fix that.

But if you build the right systems while your money is still small, those systems grow with you. Small money is practice for serious money.

The framework: EARN → MANAGE → SAVE → PROTECT → INVEST → GROW

Six pillars, in order, because each one builds the ground for the next.

01

Earn

Understand where money actually comes from — and how to get more of it.

  • The real difference between income and wealth
  • How to think beyond pocket money or salary
  • Developing skills that increase what you're worth
  • Why earning more without managing well still leaves you broke
02

Manage

Build a simple system for money that comes in small or irregular amounts.

  • Tracking money without spreadsheets you'll abandon
  • Needs vs. wants, made practical not preachy
  • A personal money system you'll actually use
  • Avoiding lifestyle inflation as income grows
03

Save

Build the habit before the amount gets large.

  • What to actually save for, short-term and long-term
  • Emergency savings on irregular income
  • Why "I'll save what's left" almost never works
  • Structuring saving so it happens automatically
04

Protect

Avoid the mistakes that cost young people the most.

  • Spotting scams and fraudulent "opportunities"
  • Handling peer and lifestyle pressure around money
  • Bad debt and emotional money decisions
  • Evaluating an opportunity before you commit money to it
05

Invest

The foundation — not a stock-picking class.

  • Saving vs. investing, risk vs. return, in plain terms
  • Compounding, time horizon and liquidity explained simply
  • Regulated investments vs. speculative hype
  • How to think before you invest — not what to buy
06

Grow

Think beyond this month, toward the direction you're building.

  • Setting financial goals that mean something to you
  • Making better decisions as your income increases
  • Building financial confidence, not just financial facts
  • Creating your own long-term financial direction
Start Building My Money Foundation

What you'll be able to do by the end

Not vague inspiration. Actual capabilities.

✓Build a simple personal money system
✓Track your money without overcomplicating it
✓Spend intentionally, not automatically
✓Set realistic savings goals
✓Manage irregular or unpredictable income
✓Understand basic financial terms without confusion
✓Recognize common money traps before you fall into them
✓Evaluate a financial opportunity before committing money
✓Understand the major investment categories
✓Understand risk and return in plain terms
✓Know what questions to ask before you invest
✓Start building your own earning power
✓Set financial goals that actually mean something to you
✓Have a personal foundation for building wealth, intentionally
I'm Ready to Learn Money Properly

The shift this training creates

Before
  • I have money but don't know where it goes
  • I save only when something is left over
  • I feel like everyone knows more about money than me
  • I jump between random financial advice online
  • I want to invest but don't know where to begin
  • I make money decisions based on pressure
After
  • I know exactly where my money is going
  • I have a system for managing what I earn
  • I know what I'm actually saving for
  • I understand what I'm investing in before I invest
  • I can tell useful advice apart from hype
  • I have a financial direction, not just financial anxiety
25

Your 20s aren't the time to know everything about money. They're the time to build the foundation.

Nobody expects you to be wealthy right now. But this is the stretch of life where you gradually become financially aware, disciplined, capable and intentional — or you don't, and you spend your 20s learning it the hard way.

Financially aware Financially disciplined Financially capable Financially intentional

Who this is for

This is for you if:

  • You're 16–24
  • Still in school, in university, or recently graduated
  • Earning pocket money, allowance, salary, freelance or side-hustle income
  • Making money but struggling to manage it
  • Interested in investing but unsure where to start
  • Tired of conflicting financial advice online
  • Serious about not repeating avoidable financial mistakes

This isn't for you if:

  • You want a get-rich-quick strategy
  • You're looking for guaranteed investment returns
  • You want "secret" stock or crypto tips
  • You're not ready to actually apply what you learn

What makes this different

Built for your age, not adapted from an adult courseEvery example uses amounts and situations 16–24 year olds actually deal with.
Nigerian contextNo generic advice that assumes a stable salary or a Western banking system.
Small-money situations₦5,000, ₦20,000, irregular income — not hypothetical six-figure salaries.
Behaviour first, tools secondSystems and habits that survive beyond the training, not just theory.
Investing without the hypeFoundational understanding, not stock tips or influencer trends.
Built around decision-makingYou leave knowing how to evaluate money decisions, not just facts to recite.
Join the training

A small investment in learning how to handle money — before the amounts get bigger.

One bad financial decision can cost you far more than ₦7,000. This is the alternative.

Money Before 25
₦7,000

One-time payment · Saturday, 30th August · 8:00 PM · Venue to be communicated

  • The full EARN → MANAGE → SAVE → PROTECT → INVEST → GROW training
  • Practical, Nigerian, real-life examples throughout
  • A framework you can keep using as your income grows
I Want My Money Foundation

You'll be taken to Nestuge to complete secure payment

What people are saying

"I always thought budgeting meant restricting myself. This showed me it's actually about knowing where my money is going first — I built a system in one sitting and I've stuck with it."

— Amara, 21, university student

"I kept hearing 'start investing' online with zero context. Now I actually understand what I'm looking at before I put money into anything — that alone was worth it."

— Tobi, 23, freelance designer

"My income isn't steady, so every savings tip I'd tried before just didn't work for me. This is the first one that actually fit my situation."

— Chidera, 19, content creator

Who's teaching this

DT

Doyinsola Toye

Meet Your Facilitator

Doyinsola Toye is a finance professional and personal finance educator passionate about helping young people build a healthier relationship with money from an early age.

With years of experience in finance, budgeting, financial reporting and financial management, Doyinsola brings real-world financial knowledge into simple, practical lessons that everyday people can understand and apply.

Through her work with Wealthtiv, she teaches young people how to earn, manage, save, protect, invest and grow their money — without the pressure to become rich overnight or blindly follow financial trends online.

Her belief is simple: you shouldn't have to wait until you have serious money before you learn how to handle money properly.

Doyinsola created this training to give young people the financial foundation she believes everyone should have before stepping into the bigger financial decisions that come with adulthood.

Questions before you join

No. It's built for wherever you are right now — pocket money, allowance, part-time income, or nothing steady yet. The point is to build the foundation before the money comes.

Yes. The training is built for ages 16–24, and secondary school is exactly the stage where this foundation matters most — before financial habits are set.

Yes — this is squarely built for university-age realities: irregular allowance, side hustles, first freelance income, and the pressure to keep up with peers.

That's exactly who this is for. The whole idea is that you don't need a lot of money to start learning how to handle it well.

No. Investing is one of six pillars, and a deliberately smaller one. This is a full financial foundation — earning, managing, saving, protecting and growing come first.

No. You'll learn how to think about investing — risk, return, compounding, and how to evaluate an opportunity — so you can make your own informed decisions later.

No prior knowledge needed. This is built to start from the beginning, without making you feel behind for not knowing it already.

Irregular income is a core focus of the Manage and Save pillars specifically — this training assumes inconsistent income, not a fixed monthly salary.

Yes. ₦7,000 is the full and only payment for the training.

The training is live. A recording will be made available to participants afterward, so you won't miss anything if you can't attend the live session.

Saturday, 30th August at 8:00 PM. The venue will be communicated after registration.

Last thing

You don't have to wait until you have serious money to learn how to handle money properly.

The foundation you build now is the one everything else gets built on. Start while the stakes are still small.

I Want My Money Foundation — ₦7,000
₦7,000one-time
Get Into the Training