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# ![@TomolaGroup Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1482246507806011394.png) @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: XXXXXX [#](/creator/twitter::1482246507806011394/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1482246507806011394/c:line/m:interactions.svg)

- X Week XXXXXXX +103%
- X Month XXXXXXX -XX%
- X Months XXXXXXXXX +56,961%
- X Year XXXXXXXXX +8,200%

### Mentions: XX [#](/creator/twitter::1482246507806011394/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1482246507806011394/c:line/m:posts_active.svg)

- X Week XXX -XXXX%
- X Month XXX +14%
- X Months XXXXX +4,412%
- X Year XXXXX +981%

### Followers: XXXXXX [#](/creator/twitter::1482246507806011394/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1482246507806011394/c:line/m:followers.svg)

- X Week XXXXXX +3.30%
- X Month XXXXXX +4.20%
- X Months XXXXXX +659%
- X Year XXXXXX +659%

### CreatorRank: XXXXXXX [#](/creator/twitter::1482246507806011394/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1482246507806011394/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  XXXXX% [countries](/list/countries)  XXXX% [stocks](/list/stocks)  XXXX% [technology brands](/list/technology-brands)  XXXX%

**Social topic influence**
[money](/topic/money) #3316, [if you](/topic/if-you) 6.67%, [stocks](/topic/stocks) #3314, [investment](/topic/investment) #739, [future](/topic/future) 4.76%, [dividend](/topic/dividend) #248, [cash flow](/topic/cash-flow) #212, [flow](/topic/flow) 4.76%, [debt](/topic/debt) #347, [math](/topic/math) #611

**Top accounts mentioned or mentioned by**
[@cowrywise](/creator/undefined) [@mart22978723](/creator/undefined) [@thegenzhr](/creator/undefined) [@rlalas](/creator/undefined) [@investbamboo](/creator/undefined) [@trovefinance](/creator/undefined) [@meristemnigeria](/creator/undefined) [@scfidelis](/creator/undefined) [@yoriolajide](/creator/undefined) [@compoundinnaira](/creator/undefined) [@henshawdegreat](/creator/undefined) [@naijabudgetbro](/creator/undefined) [@see_emmy](/creator/undefined) [@judecrypt26](/creator/undefined) [@_la_bebee](/creator/undefined) [@leosmart00_](/creator/undefined) [@johnson_asing](/creator/undefined) [@risevest](/creator/undefined) [@afrinvest](/creator/undefined) [@olumidecapital](/creator/undefined)

**Top assets mentioned**
[Advanced Micro Devices (AMD)](/topic/advanced-micro-devices) [NVIDIA Corp. (NVDA)](/topic/$nvda)
### Top Social Posts
Top posts by engagements in the last XX hours

"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](https://x.com/TomolaGroup/status/1953069482319945803)  2025-08-06T12:23Z 21.4K followers, 537.6K 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](https://x.com/TomolaGroup/status/1995932304695234573)  2025-12-02T19:05Z 21.4K followers, 42.7K 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](https://x.com/TomolaGroup/status/1996630145063620717)  2025-12-04T17:18Z 21.4K followers, 48.1K 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](https://x.com/TomolaGroup/status/1996824087981695363)  2025-12-05T06:08Z 21.4K followers, 4112 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](https://x.com/TomolaGroup/status/1996829581987451119)  2025-12-05T06:30Z 21.4K followers, 1521 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](https://x.com/TomolaGroup/status/1997024008454185341)  2025-12-05T19:23Z 21.4K followers, 55.2K 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](https://x.com/TomolaGroup/status/1997589875621794227)  2025-12-07T08:51Z 21.4K followers, 13.7K 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](https://x.com/TomolaGroup/status/1997923216027963700)  2025-12-08T06:56Z 21.4K followers, 47.4K 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](https://x.com/TomolaGroup/status/1977654283890778622)  2025-10-13T08:34Z 21.4K followers, 15.5K engagements


"Which type of investor are you X. Value Investor You hunt for quality companies trading below their true worth. Patience is your edge. X. Growth Investor You back businesses with rapid expansion potential and prioritize future upside over todays price. X. Dividend Investor You prefer consistent cash flow and steady returns through reliable dividend payouts. X. Speculator You aim for high gains from short term price swings and market trends. Risk is part of the plan. Knowing your style helps you build a strategy that matches your goals and risk tolerance. Which one sounds like you"  
[X Link](https://x.com/TomolaGroup/status/1994144352457707996)  2025-11-27T20:40Z 21.4K followers, 5131 engagements


"What platform are you currently using to invest and why did you choose it I would also love to hear about your experience with it so far"  
[X Link](https://x.com/TomolaGroup/status/1995084889054695816)  2025-11-30T10:57Z 21.4K followers, 10.6K engagements


"Your salary is your first investor. Treat it with respect. Do not abandon a stable income for a hustle that is still losing money. The goal is financial freedom. Let your X to X finance the journey. Quit only when your side business can pay the bills without stress"  
[X Link](https://x.com/TomolaGroup/status/1996099139785113728)  2025-12-03T06:08Z 21.4K followers, 3314 engagements


"The cost of waiting XX years: Scenario X Start at XX Monthly: 500000 Years: XX Rate: 12%/year (compounded monthly) FV = 500000 (1 + 0.12/12)(1235) X / (0.12/12) FV 2551000000 Scenario X Start at XX Monthly: 500000 Years: XX FV = 500000 (1 + 0.12/12)(1225) X / (0.12/12) FV 911000000 Waiting XX years costs 1.64B in lost wealth. Lesson: Start early. Time is your greatest asset"  
[X Link](https://x.com/TomolaGroup/status/1996143009360941539)  2025-12-03T09:02Z 21.4K followers, 51.2K engagements


"Owning a car in Lagos is often seen as a status symbol but the reality is very different. A car is not just the price you pay at the dealership. It comes with ongoing costs: fuel maintenance insurance parking and fines. Add in unexpected breakdowns and LASMA tickets and your status symbol can quickly turn into a financial drain. Before buying calculate the Total Cost of Ownership. Many people focus on the purchase price and ignore the hidden costs only to find themselves spending far more than expected. A car can be convenient but in Lagos it is better viewed as a service you pay for daily"  
[X Link](https://x.com/TomolaGroup/status/1996997383381524925)  2025-12-05T17:37Z 21.4K followers, 4246 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](https://x.com/TomolaGroup/status/1996202921201995880)  2025-12-03T13:00Z 21.4K followers, 41.4K 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](https://x.com/TomolaGroup/status/1996633590218498434)  2025-12-04T17:31Z 21.4K followers, 95.6K 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](https://x.com/TomolaGroup/status/1996679920626389478)  2025-12-04T20:36Z 21.4K followers, 19.1K 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](https://x.com/TomolaGroup/status/1997300035478749391)  2025-12-06T13:40Z 21.4K followers, 1388 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](https://x.com/TomolaGroup/status/1997923870787899776)  2025-12-08T06:59Z 21.4K followers, 2315 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](https://x.com/TomolaGroup/status/1998296811006726538)  2025-12-09T07:41Z 21.4K followers, XXX engagements


"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](https://x.com/TomolaGroup/status/1998298591211725217)  2025-12-09T07:48Z 21.4K followers, 8392 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](https://x.com/TomolaGroup/status/1994402601857958073)  2025-11-28T13:46Z 21.4K followers, 2351 engagements


"If youre building an emergency fund but still want your money to grow consider money market funds. They offer decent returns pay dividends and allow your money to compound over time. On @cowrywise some options include - Stanbic IBTC Money Market Fund - Coral Money Market Fund - Meristem Money Market Fund - TrustBanc Money Market Fund You can also use @cowrywise Emergency Fund feature or Flex Naira on @piggyvest as additional options. Smart saving doesnt just protect your money it helps it work for you"  
[X Link](https://x.com/TomolaGroup/status/1995042263655661854)  2025-11-30T08:08Z 21.4K followers, 34.1K 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](https://x.com/TomolaGroup/status/1996164034131837336)  2025-12-03T10:26Z 21.4K followers, 5581 engagements


"Earlier today at the Career Brunch by @thegenzhr . Grateful for the opportunity to share insights and help more young people understand why financial literacy matters"  
[X Link](https://x.com/TomolaGroup/status/1994877663501324595)  2025-11-29T21:14Z 21.4K followers, 1620 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](https://x.com/TomolaGroup/status/1995018818448482713)  2025-11-30T06:35Z 21.4K followers, 6189 engagements


"@MoneyGrowthx Keep sharing the gospel of financial literacy❤"  
[X Link](https://x.com/TomolaGroup/status/1996153832443875660)  2025-12-03T09:45Z 21.4K followers, XXX 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](https://x.com/TomolaGroup/status/1953455458670334105)  2025-08-07T13:57Z 21.4K followers, 463.5K engagements


"At weddings birthdays or any gathering it is not just about having fun. We need to normalize talking about financial education and how people can make their money work for them. Many who have money do not know how to preserve it or grow it for the long term. Even a few minutes of conversation can make a difference. Life is not only about marrying partying or celebrations. The financial foundations we build today determine the legacy we leave tomorrow. We can learn from countries like Switzerland. Their success comes from strong systems and structures that endure across generations. We may not"  
[X Link](https://x.com/TomolaGroup/status/1995081572324626612)  2025-11-30T10:44Z 21.4K followers, 1147 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](https://x.com/TomolaGroup/status/1995937241731137687)  2025-12-02T19:24Z 21.4K followers, 1742 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](https://x.com/TomolaGroup/status/1997223578597785874)  2025-12-06T08:36Z 21.4K followers, 1148 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](https://x.com/TomolaGroup/status/1997591141470859457)  2025-12-07T08:56Z 21.4K followers, 5988 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](https://x.com/TomolaGroup/status/1995034825682567342)  2025-11-30T07:39Z 21.4K followers, 22.6K 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](https://x.com/TomolaGroup/status/1997218906935591170)  2025-12-06T08:17Z 21.4K followers, 2153 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](https://x.com/TomolaGroup/status/1997334837191921703)  2025-12-06T15:58Z 21.4K followers, 34.5K 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](https://x.com/TomolaGroup/status/1997601379049689491)  2025-12-07T09:37Z 21.4K followers, 25.8K 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](https://x.com/TomolaGroup/status/1998118094775124164)  2025-12-08T19:50Z 21.4K followers, 1812 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](https://x.com/TomolaGroup/status/1998300926793179203)  2025-12-09T07:57Z 21.4K followers, 1200 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](https://x.com/TomolaGroup/status/1998324999053054079)  2025-12-09T09:33Z 21.4K followers, XXX engagements