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@TomolaGroup Avatar @TomolaGroup Toby

There is no recent news specifically about Toby. The provided tweets appear to be general financial education and investment advice from various individuals and sources. Key topics discussed include investing basics, reading financial statements, and managing personal finance.

Engagements: XXXXXXX #

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Followers: XXXXXX #

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Social Influence

Social category influence finance #1916 countries XXXX% technology brands XXXX% stocks XXXX% social networks XXXX% automotive brands XXXX% formula 1 XXXX% celebrities XXXX%

Social topic influence money #668, if you #5109, investment #175, debt #252, stocks #1899, cash flow #260, flow 6.06%, future #2487, nigeria #343, math #1879

Top accounts mentioned or mentioned by @mart22978723 @cowrywise @thegenzhr @rlalas @investbamboo @trovefinance @henshawdegreat @naijabudgetbro @piggyvest @cardinalstoneng @meristemnigeria @abaluuthman @vicobtb @victorugwu @nikesmallz @adaezennaji @risevest @bsonghr @moneygrowthx @olumidecapital

Top assets mentioned Advanced Micro Devices (AMD) NVIDIA Corp. (NVDA) Toyota Motor Corporation (TM)

Top Social Posts

Top posts by engagements in the last XX hours

"If you do not have an investment account by XX you are already XX years behind. Here is the clear math at a XX percent return: Invest 100000 yearly from age XX to XX and you end up with about XXXX million. Start the same 100000 yearly at XX and you end up with about XXXX million. Same money. Same return. Different starting point. The gap is over XX million. To reach XXXX million when starting at XX your yearly contribution must rise from 100000 to about 424000. Over four times the effort because you lost ten years. This is why starting early matters. Time multiplies your money faster than"
X Link 2025-12-09T07:48Z 21.9K followers, 10.8K engagements

"Love is sweet but have you tried marrying someone who understands financial planning A partner with bad spending habits will drag you back to poverty faster than any village people"
X Link 2025-12-02T19:24Z 21.4K followers, 1742 engagements

"Normalize this for Finance by age 25: Automate XX% of income to investments (Pay yourself first). Build a XX month emergency fund (Liquid cash). Track expenses weekly (Know exactly where your money goes). Create a secondary income stream (Side hustle or dividend income). Avoid high-interest consumer debt (If you can't buy it twice you can't afford it). Audit your circle (Network with people earning more/doing better than you). Read X financial report or market update daily"
X Link 2025-11-30T07:39Z 21.9K followers, 22.7K engagements

"You do not need deep expertise to invest in US stocks. If you are unsure of what to pick just buy an ETF like VOO or QQQ. These funds hold hundreds of the strongest companies in the United States so you are not depending on one company to succeed. You are simply taking a position in the entire American economy. It is a simple way to grow your money without stress and it protects you from the risk of choosing the wrong stock. Start small and stay consistent"
X Link 2025-12-06T10:02Z 21.9K followers, 7310 engagements

"In Nigeria the most dangerous addiction isnt gambling. Its the urge to look rich while quietly drowning in debt. People chase appearances forgetting that true wealth is built not shown"
X Link 2025-12-08T06:56Z 21.9K followers, 48.2K engagements

"Im hosting a structured series of Twitter Spaces to help you build real financial clarity from the ground up. Well start with the basics most people skip. Cash flow control budgeting systems debt decisions emergency funds and income planning. From there we transition into investing the right way not by hype but by framework. Youll learn how to think about investing using clear criteria like timelines risk appetite goals capital preservation and realistic return expectations. Everything will be broken down step by step practical and easy to understand. This is not financial entertainment. Its"
X Link 2025-12-09T19:28Z 21.9K followers, 1817 engagements

"If I had 1000000 to invest in Nigeria today I wouldnt put it all in one place. The goal isnt just profit its to protect my money from XX% inflation and steadily build wealth. Heres how I would allocate it: X. XX% (400k) Money Market Fund Provides liquidity and safety Sleep well money with 17-20% returns Target: Capital preservation + steady interest X. XX% (300k) Dollar Assets (Eurobonds or Fractional US Stocks) Hedge against Naira devaluation Protects your purchasing power Target: Long-term stability X. XX% (300k) NGX Stocks Picks: GTCO Zenith Bank Aradel Why: Dividend income + capital"
X Link 2025-12-10T08:33Z 21.9K followers, 47.6K engagements

"If your monthly income in Lagos is below 300k pause on Black Tax pause on Asoebi. You are not supporting the family if you cant support yourself yet. You are trading tomorrows freedom for todays approval. Yes we love family. Yes we respect our parents. But what your mother truly needs is a child who becomes financially secure in a few years not a loyal but consistently broke adult. Protect your future seed. Stabilize your own finances first. Be disciplined now so you can be truly generous later"
X Link 2025-12-03T13:00Z 21.9K followers, 41.6K engagements

"You have 100k a month to invest. Heres how to turn it into a millionaire using the 3-Bucket Strategy: Bucket A: Safety Net XX% Put this in a High Yield Savings or Money Market account. Use it for emergencies. Low risk. Platforms: @cowrywise Bucket B: Cash Cow XX% Invest in Nigerian dividend stocks like banks or telcos. This generates passive income to pay bills or buy data. Medium risk. Platforms: @investbamboo @trovefinance Bucket C: Wealth Vault XX% Invest in US Tech ETFs like S&P XXX or Nasdaq. Gives you dollar exposure and long-term growth. Medium/High risk. Platforms:@investbamboo"
X Link 2025-12-05T19:23Z 21.9K followers, 55.5K engagements

"Read books. Most of the problems people face with money career and life are not new. Someone struggled with it studied it and wrote the solution down decades ago. Books compress experience. You get XX or XX years of someone elses lessons in a few hours. That is why reading saves you time money and unnecessary mistakes. If you want better results borrow better thinking from people who have already been where you are trying to go"
X Link 2025-12-10T07:59Z 21.9K followers, 177.3K engagements

"In 1974 Ray Kroc the founder of McDonalds was having drinks with a group of MBA students when he asked a simple question: what business am I really in They laughed and confidently answered the burger business. Ray smiled and corrected them. He said he was not in the burger business. He was in the real estate business. Here was his logic. To sell burgers you need franchises. To operate franchises you need land. The franchisees pay for the land and build on it but McDonalds owns the property. The burgers are just the vehicle. The land is the asset. Today McDonalds is one of the largest real"
X Link 2025-12-10T17:23Z 21.9K followers, 1711 engagements

"Cash flow is King. Capital appreciation is great but dividends pay the bills while you wait. Received payments from both Aradel and MTN Nigeria today. Its not just about buying stocks; its about buying income streams"
X Link 2025-11-28T13:46Z 21.4K followers, 2372 engagements

"Yesterday was special for me. I had the opportunity to share practical insights on building wealth with the amazing individuals at @thegenzhr . Every moment was worth it. Financial literacy is not just important it is necessary. So many people still need guidance on how to manage money and build long term stability. The work ahead is big but with the right structure and continued education we can help more people take control of their finances and secure their future. Thank you @bsong_HR putting this together. Looking forward to more impact"
X Link 2025-11-30T06:35Z 21.5K followers, 6195 engagements

"For investors in their 20s and 30s growth investing complements dividend investing perfectly. Dividend investing delivers immediate cash flow the return of money. Growth investing focuses on long-term capital appreciation the return on money. Together they balance income today with wealth building for tomorrow"
X Link 2025-12-03T10:26Z 21.5K followers, 5582 engagements

"Many say the Nigerian market is dead or that stocks are just gambling. Meanwhile someone just earned 7.3M in pure dividends this year and thats before capital gains. Wealth is being made right under your nose in the NGX. You just need the right eyes to see it. Its possible to start small and grow your dividend income steadily. With the right strategy and consistency anyone can begin building real wealth in the market"
X Link 2025-12-05T06:08Z 21.6K followers, 4120 engagements

"They told us: Go to school. Get good grades. Get a job. Retire. In reality thats a blueprint for struggle. In this economy your degrees wont pay the bills. You need assets that make money while you sleep"
X Link 2025-12-08T06:59Z 21.6K followers, 2338 engagements

"God when is not a financial strategy. God forbid is not an insurance policy. Hope is not a plan. Protection is not prayer alone. Build savings. Get insurance. Have a real strategy for your money. Faith works better when your finances have structure"
X Link 2025-12-09T07:41Z 21.5K followers, 1095 engagements

"You dont need X million to start investing. You need 5k and the right information. Start here: Money Market Funds Cowrywise or PiggyVest Nigerian Blue-Chip Stocks ETFs like VOO GLDM QQQ Baby steps no steps"
X Link 2025-08-06T12:23Z 21.9K followers, 539.6K engagements

"I wouldnt split it evenly. If Im thinking long-term NVIDIA Corporation clearly stands out in terms of fundamentals. The margins are stronger the free cash flow is healthier and the balance sheet looks solid. Its not just growing fast its growing efficiently. Advanced Micro Devices Inc. on the other hand has more of a growth story. The upside can be attractive but the valuation already reflects a lot of optimism which naturally comes with more risk. So personally Id lean more toward NVIDIA for stability and compounding while still keeping some exposure to AMD for its potential upside. A 70/30"
X Link 2025-10-13T08:34Z 21.8K followers, 15.5K engagements

"If I put XX% in NVIDIA Corporation thats $70000. If I put XX% in Advanced Micro Devices Inc. thats $30000. Now heres why the split makes sense to me: NVIDIAs valuation is about XX its cash flow. In simple terms for every $X the company earns investors are paying $XX. AMDs valuation is about XX its cash flow. So investors are paying $XX for the same $X of earnings. That tells me NVIDIA is currently the stronger and more stable company while AMD is the riskier growth-focused one. Im leaning heavier on NVIDIA because I prefer steady strength but Im still giving AMD a slice because it could grow"
X Link 2025-10-13T08:41Z 21.8K followers, 3672 engagements

"@olumidecapital Lets look at it from another angle. Comfort is really a measure of peace of mind and that varies for investors depending on their risk tolerance. For those who prioritize stability while still earning decent returns money market funds are a perfect example to focus on"
X Link 2025-11-30T09:33Z 21.9K followers, XXX engagements

"A mini-flat on the Mainland now averages 1.5M2M. Landlords often want X years rent upfront meaning 3M4M in one bulk payment. To save 4M in a year you need to put aside 333k every month. Ask yourself: how many people earn 333k monthly let alone save it The math is refusing to math"
X Link 2025-12-04T17:31Z 21.6K followers, 95.7K engagements

"If you have 1000000 in your savings account today you are holding about $XXX. In 2019 that same 1M was $2700. You did not spend the money. The economy quietly took it from your vault. The solution is simple. Do not let your money sit idle. Save in stable currencies invest in assets that grow faster than inflation and diversify your income so your future is not tied to the naira alone"
X Link 2025-12-04T20:36Z 21.9K followers, 19.1K engagements

"Dont marry into a family that treats Black Tax like a retirement plan. If you do you will be working for everyone elses comfort while your own future keeps getting postponed"
X Link 2025-12-05T06:30Z 21.9K followers, 1552 engagements

"Speaking at the @thegenzhr event on financial management and investment growth has opened a new chapter for me. Since that session Ive received several invitations both online and offline to share more insights on financial literacy and wealth building. It has been a pleasant surprise and Im grateful for the trust. To everyone who reached out with kind words about how impactful the session was thank you. Your feedback encourages me to keep doing more. I also appreciate those who have supported me from the beginning and I warmly welcome all my new followers. Youre in a space where youll gain"
X Link 2025-12-06T08:17Z 21.9K followers, 2175 engagements

"Financial literacy is the subject schools never teach but life tests every single day. Class is in session. Lesson 1: Buy assets. Your money should work for you not the other way around"
X Link 2025-12-06T08:36Z 21.6K followers, 1157 engagements

"We go again No. You wont go again. Youll owe again. Every time you borrow without a plan you dig a deeper hole. Debt is not a joke. Catchy phrases do not pay bills. Financial freedom is not about looking cool today. Its about smart choices living within your means and building a future you control. Discipline today saves stress tomorrow"
X Link 2025-12-06T13:40Z 21.6K followers, 1395 engagements

"N1000000 in January will not have the same value in December. Inflation and currency devaluation eat away your money if its just sitting idle. If your savings arent earning at least 1520% annually you are not building wealth. You are only trying to slow down the loss of purchasing power. To protect and grow your money consider: Money Market Funds low-risk consistent returns above inflation. Dollar-denominated assets hedge against Naira depreciation. The first goal is preservation. Once your money is safe growth naturally follows"
X Link 2025-12-07T08:56Z 21.8K followers, 6001 engagements

"Owing 100k at XX% interest and investing 100k at XX% Debt = 100k XXXX = 125k Investment = 100k XXXX = 110k Net = 15k You are losing money while thinking youre investing. Clear high-interest debt first"
X Link 2025-12-08T19:50Z 21.7K followers, 1842 engagements

"Income is what you earn. Wealth is what you keep. Most people chase higher income but ignore how fast they spend. If your lifestyle rises as fast as your earnings you are not getting richer. You are just earning more to spend more. Real wealth comes from keeping saving and letting your money grow. High income helps but discipline builds lasting wealth"
X Link 2025-12-09T07:57Z 21.8K followers, 1279 engagements

"Confusing speculation with investment is one of the fastest ways to lose money. Putting money you cannot afford to lose into something you do not understand just because of FOMO is dangerous. Whether it is high-leverage trading or the latest guaranteed returns scheme ignoring research and due diligence is the quickest way to destroy wealth that took years to build. Invest wisely. Understand what you own. Protect your future"
X Link 2025-12-09T09:33Z 21.7K followers, 1112 engagements

"If you received XX Million right now but had to invest it for XX years where are you putting it"
X Link 2025-12-09T20:02Z 21.9K followers, 3252 engagements

"Everyone wants to talk about which stock will 10x next week. Almost no one wants to talk about the boring but important stuff: Emergency funds Clearing debt Spending habits Risk management You cannot build a skyscraper on quicksand. Fix your financial foundation first or any future gains will eventually collapse"
X Link 2025-12-10T07:15Z 21.8K followers, 1550 engagements

"Beginners Guide to Investing in Nigeria (with 5k or less) You dont need X million to start investing. You need 5k and the right information. This thread is your beginner-friendly practical guide to investing step by step 👇"
X Link 2025-08-07T13:57Z 21.9K followers, 465.6K engagements

"Investing 5k every month will not make you wealthy overnight. It will make you wealthy over time because you are building the habits required for long money. People wait for a big break before they take wealth seriously. The truth is simple. If you cannot multiply a small amount you will mismanage a large one. Wealth is a skill. Discipline is the price. A practical way to begin with 5k today: Set up a trusted investing app like Cowrywise or a reputable mutual fund Choose a Money Market Fund since it protects your capital Automate the contribution immediately you get paid Do not obsess about"
X Link 2025-12-02T08:27Z 21.9K followers, 66.1K engagements

"Before you start chasing aggressive returns lock in your security. Emergency Fund Formula Monthly Income x X Example 500000 salary x X months = 3000000 minimum safety net. Where to keep it Money Market Fund or High Yield Savings Account that earns interest while staying liquid. What this protects you from Sudden job loss Medical bills Family emergencies Economic shocks Your first investment goal is not wealth. Your first investment goal is survival without panic"
X Link 2025-12-02T19:05Z 21.9K followers, 42.8K engagements

"Every Nigerian needs X streams of income X. The 9-5 to cover bills X. The Side Gig to grow savings X. The Investment to build financial freedom The formula is simple: cover today save for tomorrow and secure your future"
X Link 2025-12-04T17:18Z 21.9K followers, 48.3K engagements

"Japa for a family now costs around 15M20M. If you dont have that kind of money yet stop just dreaming and focus on building first. Start where you are. Build skills create streams of income and earn in foreign currency. You can grow real wealth in Nigeria before thinking about leaving"
X Link 2025-12-04T17:22Z 21.9K followers, 15.7K engagements

"A toxic career will pay you just enough to afford the therapy you need to survive the job. A bad diet will save you money today only to make you pay for the sickness that can bankrupt you tomorrow. The cycle of poverty is not only financial. It affects your mind and your body too. True wealth is waking up on a Saturday with a healthy body a growing investment portfolio and no fear of Monday. Prioritize all three or you risk losing all three"
X Link 2025-12-06T05:45Z 21.9K followers, 1630 engagements

"The average Nigerian gets 100m and buys a liability they cannot maintain. The wealthy get 100m and buy cash flow. Here is a realistic 100m breakdown that actually builds wealth: X. The Safety Bucket (50m) Treasury Bills or Money Market funds Purpose: Peace of mind. Pays you about 9m per year with almost zero risk. X. The Growth Bucket (35m) 20m into land banking around Epe or the Ibeju corridor 15m into blue-chip stocks Purpose: Grow your capital while you sleep. X. The Lifestyle Bucket (15m) Car upgrade Personal care and quality of life The Goal: Use the 9m yearly interest to pay rent in a"
X Link 2025-12-06T15:58Z 21.9K followers, 34.7K engagements

"If you want to know how long it takes to double your money use the Rule of XX. Divide XX by your interest rate: X% return = XX years X% return = X years XX% return = X years Stop guessing. Start calculating. Let math work for your money not emotions"
X Link 2025-12-07T08:51Z 21.9K followers, 13.8K engagements

"You dont need N1 million to start investing. Small amounts can go a long way if you start consistently: N5000 can buy units in a Mutual Fund giving you exposure to a diversified portfolio. N10000 can start a savings target on fintech apps like PiggyVest or Cowrywise helping you build discipline. $XX can buy fractional shares of global companies like Apple or Amazon giving you dollar exposure and long-term growth. The real barrier isnt money. Its the mindset that you have to blow before you build. Wealth is a habit not a windfall. Start small stay consistent and watch your money grow"
X Link 2025-12-07T09:37Z 21.9K followers, 25.9K engagements

"Before you buy your first stock ask yourself a simple question: Do you have an emergency fund You should keep at least X months of your living expenses in a place you can access quickly like a high-yield savings account or a money market fund. Why does this matter Because when unexpected bills or those urgent 2k situations show up you will not be forced to sell your investments at a loss. Your emergency fund protects your future investments from your present problems"
X Link 2025-12-07T13:09Z 21.9K followers, 5568 engagements

"Lagos is full of people driving 50M cars with X in their investment accounts. Do not let Instagram rush you. Do not let fake life pressure you into bad decisions. A Toyota Camry with a funded investment portfolio is a bigger flex than a Mercedes financed by debt. Stay patient. Stay focused on your lane"
X Link 2025-12-10T07:51Z 21.9K followers, 1455 engagements

"100k invested in the S&P XXX ten years ago would be worth far more today than 100k left in a savings account. The math doesnt lie: putting your money to work in productive assets beats letting it sit idle. Time and compound growth are your greatest financial allies"
X Link 2025-12-10T08:05Z 21.9K followers, 1182 engagements

"Playing safe with your investments is perfectly fine. If youre not comfortable with high risk focus on dividend-paying stocks on the NGX. Some solid options include MTN GTCO Zenith Bank Fidson Presco and Nestle. These stocks provide steady income while giving you market exposure without taking unnecessary risks"
X Link 2025-12-10T09:37Z 21.9K followers, 1284 engagements

"Teach your kids about money early. If you dont the world will teach them later and the lessons will be expensive and painful. Financial education at home is one of the greatest gifts you can give your children"
X Link 2025-12-10T17:16Z 21.9K followers, XXX engagements

"6 Habits Keeping You Broke: X. Living without a budget money vanishes when you dont track it X. Borrowing too often debt steals your future X. Refusing to adjust your lifestyle income goes up expenses follow X. Not saving no safety net no growth X. Comparing yourself to others envy destroys focus X. Losing hope mindset drives money as much as skill Wealth is XX% knowledge and XX% behavior. Change the behavior and your bank account will follow"
X Link 2025-12-10T19:47Z 21.9K followers, 15.9K engagements

"Wealth isnt magic. It follows a simple process. The Wealth Algorithm: X. Learn Build a skill people pay for. X. Earn Increase your income with that skill. X. Invest Put the extra money into assets that grow. X. Exit When your assets pay your bills youre free. The steps are simple. The discipline is the hard part"
X Link 2025-12-11T06:48Z 21.9K followers, 21.9K engagements

"Watching people debate Messi vs Ronaldo while their investment account sits at $X is my villains origin story. Focus on building wealth not just opinions"
X Link 2025-12-11T07:07Z 21.9K followers, XXX engagements

"For money career and life lessons start with these: Finance & Investing: The Psychology of Money Morgan Housel Rich Dad Poor Dad Robert Kiyosaki The Intelligent Investor Benjamin Graham Career & Productivity: Deep Work Cal Newport Atomic Habits James Clear So Good They Cant Ignore You Cal Newport Mindset & Life: Think and Grow Rich Napoleon Hill Principles Ray Dalio The X Habits of Highly Effective People Stephen Covey"
X Link 2025-12-11T07:29Z 21.9K followers, 35.6K engagements

"These are some of the books you can start with: Finance & Wealth The Intelligent Investor Benjamin Graham Rich Dad Poor Dad Robert Kiyosaki The Psychology of Money Morgan Housel Career & Productivity Deep Work Cal Newport Atomic Habits James Clear So Good They Cant Ignore You Cal Newport Personal Development & Mindset Think and Grow Rich Napoleon Hill The X Habits of Highly Effective People Stephen Covey Mans Search for Meaning Viktor Frankl Leadership & Strategy Principles Ray Dalio How to Win Friends and Influence People Dale Carnegie Good to Great Jim Collins Philosophy & Life Lessons"
X Link 2025-12-11T07:44Z 21.9K followers, 10.8K engagements