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[@FinPlanKaluAja1](/creator/twitter/FinPlanKaluAja1)
"Nigeria simply moved on from ATMs to POS operators (aka kids under an umbrella hawking cash). I stand to be corrected but there are no POS folks selling currency in Rwanda Kenya Egypt or South Africa Just in Nigeria. The problem is not that this is happening but that its accepted. Even the BPE is celebrating 1.2m jobs created via POS that's not a flex. Boy there is something in the water in Nigeria that dulls the desire for better things. Why is is so hard to demand the bare basics of life"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975479944529805477) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T08:34Z 336.2K followers, 220.7K engagements


"If Nigeria deployed a division of the Army to the North East then mined the gold and sold that gold exclusively to the Central Bank of Nigeria the naira would gain significant value without the need for FPI or outright $ loans Gold is the new oil; gold and silver are the performing asset class at the moment Ghana has done the same thing without the army of course but their currency is currently one of the best in the world in terms of appreciation to the dollar"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979225128031654094) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T16:36Z 336.2K followers, 15K engagements


"If you compare Erik ten Hag to Ruben Amorim and not Sir Alex Ferguson. In economics we call this the base effect Any economic indicator today looks better when compared to the last XX months"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979234020207792278) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T17:12Z 336.2K followers, 33.4K engagements


"Just reading that Maduro offered to leave the Russian orbit open Venezuela oil to the US and many more Yet"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979253296083931352) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T18:28Z 336.2K followers, 18.1K engagements


"New v Old Taxes"  
[X Link](https://x.com/FinPlanKaluAja1/status/1959685995852657044) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-08-24T18:35Z 336.2K followers, 166.5K engagements


"Smart way to market iPhone 17"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978367057373598000) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T07:47Z 336.2K followers, 8464 engagements


"I think folks are confusing a social nation (Scandinavian) with a socialist economy Not the same thing. China is a communist nation but it has a capitalist economy with private ownership of assets Denmark and Sweden are social nations but their economies are also capitalist Including Poland"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978381117045854331) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T08:43Z 336.2K followers, 1929 engagements


"Gambia imports far more than it exports it's not even close. So why is the Gambian Dalasi so strong Even stronger than the almighty Naira well X. Remittances from Gambia abroad X. Tourism What you do with this data is your prerogative. But ask yourself why the New Yam Festival can't be packaged as a 'Spiritual Tour" for black Americans to connect back to their African roots by eating organic yam blessed by the Chi of the forefathers. Cost just $3399 minus airfare itinerary Eke: Land in Enugu Internation Airport evening ceremonial rebirth and renaming ceremony Orie: Awake to the spiritual sun"  
[X Link](https://x.com/FinPlanKaluAja1/status/1704776166920638627) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2023-09-21T08:34Z 336.1K followers, 224.1K engagements


"Starbucks sacked their CEO hired a new CEO from Chipotle Starbucks stock rose XX% adding $21b to market capitalization Chipotle on the other hand lost their CEO and their stock fell XXX% losing $5b in market capitalization The markets are reacting to news ooh the new CEO has not even started work Recall when i told you that if the market perceives that a "CEO" is good the currency will rise and inflation will fall even before any policy is announced A tree makes a forest ooh but you will argue"  
[X Link](https://x.com/FinPlanKaluAja1/status/1823654811511992347) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2024-08-14T09:36Z 336.2K followers, 73.3K engagements


"Saudi Billionaires create companies. List those companies on the Saudi Exchange. Invest in companies on the Saudi Stock Exchange. That's how they attract outside money to the region. Imagine travelling to Europe to ask investors to invest in your homeland when your wealth is with the same European investors in Europe. They will say to you.show us the way"  
[X Link](https://x.com/FinPlanKaluAja1/status/1924087446335291775) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-05-18T12:59Z 336.1K followers, 8271 engagements


"I see that folks don't understand what a regressvie tax means Income N1m XXX litres x N10= N1000 X% tax is N50 or .005% of income Income N1b XXX litres x N10= N1000 X% tax is N50 or .0000005% of income This is basic math"  
[X Link](https://x.com/FinPlanKaluAja1/status/1964431270005657609) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-06T20:51Z 336.2K followers, 19.9K engagements


"Day 1: go to the UN ask for a seat on the Security Council Day 2: Visit the World Bank and IMF to ask for debt relief Day 3: Visit CNN and push for reparations Day 4: transfer $XX million to buy a home in London Day 5: wife leaves to drop off kids for school in Switzerland Day 6: Shop in Neiman Marcus Day 7: Fly back home in a private jet"  
[X Link](https://x.com/FinPlanKaluAja1/status/1971469019682410839) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-26T06:56Z 336.2K followers, 187K engagements


"No but if you move from a non interest bearing account to a interest bearing account you will pay tax on income earned"  
[X Link](https://x.com/FinPlanKaluAja1/status/1974903702076219482) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-05T18:25Z 336.2K followers, 3520 engagements


"Iran is removing four zeros from the currency exchange value with $ Thus 1000000 becomes XXX Will it make currency stronger no It's make up Iranian parliament approves currency redenomination"  
[X Link](https://x.com/FinPlanKaluAja1/status/1974967646438543628) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-05T22:39Z 336.2K followers, 60.5K engagements


"Next is the Olympics"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975205520677224453) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-06T14:24Z 336.1K followers, 12.1K engagements


"Not just currencies any asset class denominated in $ including equity ETFs has lost ground this year"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975432908363210965) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T05:28Z 336.2K followers, 5347 engagements


"The VP is correct $1b investment in NVIDIA or MAG X stock at the same time Dangote invested $1b in his refinery would have made Dangote more ROI and less headache and Nigeria less ROI and more headache"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975443781014180010) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T06:11Z 336.2K followers, 5320 engagements


"The increase according to Bloomberg is fuelled by reforms falling interest rates and the weaker dollar which has boosted investor appetite for African assets"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975448735833305437) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T06:30Z 336.2K followers, 6352 engagements


"You cant get ATMs to work but you want to host commonwealth games and grand prix So Ndi Kenya will come here and leave MPESA to buy naira under umbrella Where is my laughing emoji"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975486252544938426) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T09:00Z 336.2K followers, 19K engagements


"What they taught me in primary school Question; "a road has a length of 700m it cost $11b to build the road what is the average cost per kilometer" X. determine length: 700km X. determine total cost: $11b X. divide cost by total length. $11b/700km X. answer is $15714286 Is this what they taught you in primary school too"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975833667659571537) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-08T08:00Z 336.2K followers, 71K engagements


"October is Financial Planning Month"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976720934687125935) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-10T18:46Z 336.1K followers, 7208 engagements


"If Kalu Aja Ltd with equipment worth N270m buys Chelsea jersey for N10m and resells it for N49.9m Will Kalu Aja Ltd pay Corporate taxes No turnover is less than N50m If Kalu Aja Ltd with equipment worth N270m buys a Chelsea jersey for N10m and sells it for N59.9m Will Kalu Aja Ltd pay Corporate taxes Yeah turnover is more than N50m and fixed assets are more than N250m Note: The tax will be based on the N49.9m profit (N59.9 m turnover less N10m cost) assuming N10m is the only cost. A small company is defined as one with an annual gross turnover of N50 million or less and total fixed assets not"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976766000386523408) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-10T21:45Z 336.2K followers, 31.8K engagements


"There is no bigger demarketing than removing an elected governor and replacing him with a general and the Supreme Court stays silent. It means any significant investment can be upended and courts will also stay silent. In finance it's called sovereign risk and it shows up in the risk premium for Bonds Rwanda with a smaller economy and no crude oil can borrow ar a lower coupon rate than Nigeria Rwandas Eurobond Yield for a 10-year USD Eurobond maturing in 2031 has a coupon rate of XXX% and a yield of 5.5-6%. Rwanda's risk rating is B+ Nigerias Eurobond Yield for a 10-year USD Eurobond maturing"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977413328822751700) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-12T16:37Z 336.2K followers, 185K engagements


"If Kalu builds a block of flats for his mum and dashes the title documents to his mother Will his mother pay income taxes X. Where she receives the flats that's a gift an asset no income tax X. Rent from the house Yes that's income; she pays income tax on that inflow"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977476296361099718) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-12T20:47Z 336.2K followers, 15.4K engagements


"Paul Biya has won another 8-year term It was a close election I hear he won XX% of the vote"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977576989591851363) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T03:27Z 336.2K followers, 116.9K engagements


"Oil price is falling Naira is gaining But NNPC is increasing the price of PMS Like walk me through"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977803075080663260) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T18:26Z 336.2K followers, 98.6K engagements


"China displaced France China couldn't displace South Africa Nigeria should have held the economy of West Africa tight with close marking the same way South Africa holds the economy of Southern Africa. (Interesting part is that China took over South Africa as well)"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977857461991145663) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T22:02Z 336.2K followers, 4709 engagements


"If you think the best use of borrowed $11b is to build a new road adjacent to an existing road in Nigeria then truly we have a problem of spending"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978040530727485443) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T10:09Z 336.2K followers, 20.8K engagements


"If Kalu earns N100000 income a year from selling his financial planning book in Nigeria but does not file a personal income tax return will Kalu pay Personal Income Tax"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978067981146915098) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T11:58Z 336.1K followers, 12.2K engagements


"@victorumesi The same place the money to build the Old Imo airport came from"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978280196852588706) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T02:02Z 336.2K followers, XXX engagements


"Instead you give it to diaspora or high-income renters who can afford the luxury living You put all homes into a mortgage-backed security then use MBS as collateral to build low-income housing You turn X to 11"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978329118283346077) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T05:16Z 336.2K followers, 40.8K engagements


"@iam_polymath"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978413747765932239) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T10:52Z 336.2K followers, XXX engagements


"@mickeywestside by you"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978460107643011096) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T13:57Z 336.1K followers, XXX engagements


"First its pro Isreal Then all Jews It's not just New York the is why the strongest candidate for VP Josh Shapiro was passed over for Tim Na so e dey start"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978549432497975562) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T19:51Z 336.2K followers, 9314 engagements


"Until a Democrat wins the white house Source:"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978706657141268784) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T06:16Z 336.2K followers, 2673 engagements


"@ade_bhoye yes very"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978739778083336211) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:28Z 336.1K followers, 7139 engagements


"@sweetlskin5 @ndaniche this was in 2000s he could afford a N300m home he choose not to he is renting out of chosie nto because he cant build a N300m home"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978788836433137921) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T11:43Z 336.1K followers, XXX engagements


"@parrticulars @timosilver why a mortgage he can afford to build a home he choose not to i fear you are anchored on the home not wrong but you are refusing to see the other side"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978791022969938151) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T11:51Z 336.1K followers, XX engagements


"@BCF_BJL Yes"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979234786175783422) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T17:15Z 336.2K followers, XX engagements


"@grok @AAProm042 @Black_shugarr Thanks Grok"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979244453874536778) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T17:53Z 336.2K followers, XXX engagements


"@JamesUAbraham He is partly Nigerian"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979258712993992957) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T18:50Z 336.2K followers, XXX engagements


"@POPESTANSTAN yes but his point is why pay mortgage when he can simple invest"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978736949109350835) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:17Z 336.2K followers, 8319 engagements


"@ebenezer_uwaeme yes"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978740411142156384) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:30Z 336.2K followers, 13.8K engagements


"If the price rises to $XX some people in my nation will say it has gone up by XXX% because of the policies of"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979714761559552392) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-19T01:02Z 336.2K followers, 99.8K engagements


"Congratulations #MissUniverse2024 May our Naira also rise to top five in the world"  
[X Link](https://x.com/FinPlanKaluAja1/status/1857997255976075656) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2024-11-17T04:00Z 336.2K followers, 143.6K engagements


"Nigeria is older than Singapore X X 3"  
[X Link](https://x.com/FinPlanKaluAja1/status/1965682644387311721) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-10T07:43Z 336.2K followers, 136.1K engagements


"I researched Ajaokuta extensively and what struck me was that its failure was not primarily due to corruption. Instead Nigeria's lack of proper project management during the late 1970s and early 1980s played a significant role. The USSR misled Nigeria into awarding the contract. Although Nigeria was inclined to give the contract to Western companies the USSR claimed they had discovered ore suitable for steel production in Nigeria which turned out to be untrue. At one point the USSR had around 20000 workers along with their families in Nigeria highlighting the project's scale and its"  
[X Link](https://x.com/FinPlanKaluAja1/status/1968024762854293730) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-16T18:50Z 336.2K followers, 87.2K engagements


"New Tax Reform If you earn personal income below N800000 you pay zero income tax Your company has a turnover below N50m and you pay zero corporate income tax The significant change under this tax law is that you have to invest or make certain purchases to avoid taxes legally Tax avoidance is legal tax evasion is illegal Under current law (until December 31st 2025) you get XX% of gross income plus a N200k or X% of gross whichever is higher as tax relief automatically; the new law does not make this automatic you have to invest to claim a deduction Invest in what X. Open and contribute to a"  
[X Link](https://x.com/FinPlanKaluAja1/status/1969037573218807816) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-19T13:55Z 336.2K followers, 321K engagements


"Real Estate ROI v Capital Appreciation #experiencenairobi #vaalkenya"  
[X Link](https://x.com/FinPlanKaluAja1/status/1971475946302853244) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-26T07:24Z 336.2K followers, 3172 engagements


"My mind can't comprehend this"  
[X Link](https://x.com/FinPlanKaluAja1/status/1971990299103912043) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-27T17:28Z 336.2K followers, 1.3M engagements


"Lots of good book recommendations here"  
[X Link](https://x.com/FinPlanKaluAja1/status/1972320261119910072) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-28T15:19Z 336.2K followers, 29.4K engagements


"In summary two different approaches by bankers who have heavy spenders as their main customers Emefiele; freeze rates: deny the real demand ban Aboki Fx ban rice and XX items from fx trade. Cardoso: unfreeze rates; open the market offer juicy rates for $ to flow in and fund imports Economics does not give answers; economics gives options"  
[X Link](https://x.com/FinPlanKaluAja1/status/1974179587644121347) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-03T18:27Z 336.2K followers, 25.3K engagements


"Everything Mr Taiwo said in this video I posted about from 2015 When I posted these economic facts many said it was untrue that the CBN was printing trillions or that NNPC was subsidising anything The Presidency of Buhari struggled with these subsidy payments; he was advised wrongly to retain them and peg the Naira to the dollar Even today many still argue that NNPC was not paying subsidy but here the gentleman speaking confirms that subsidy removal boosts revenues to the federation We cant change our economic beliefs because of who is in Abuja In terms of the macroeconomic policy the"  
[X Link](https://x.com/FinPlanKaluAja1/status/1974578310140354742) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-04T20:52Z 336.2K followers, 217.4K engagements


"Read the post slowly Senegal built its refinery in 1961 to use IMPORTED oil They then found commercial quantities of oil but the current local refinery in Senegal can't refine crude oil from Senegal it refines Nigerian oil Learn"  
[X Link](https://x.com/FinPlanKaluAja1/status/1974885720092553380) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-05T17:13Z 336.2K followers, 17.6K engagements


"Its easier for Arsenal to win the Champions league than to find a functional ATM the financial capital of Nigeria"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975472648345063802) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T08:05Z 336.2K followers, 3023 engagements


"The US announced a XXX% levy on branded and patented medicine imports from October X unless manufacturers build plants in the US. Europe responded: - AstraZeneca to invest $XX billion in the US by 2050 - Sanofi to invest $XX billion in the US by 2030 - Roche to invest $XX billion in the US - Novartis to invest $XX billion in the US The US can impose tariffs at minimal cost because its market is the largest and its consumers the wealthiest. No manufacturer can become a Fortune XX or XXX company without the US market. Tariffs work in markets where importers are competing with local producers"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975504219286479278) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T10:11Z 336.2K followers, 14K engagements


"The rules of Savings X. Pay yourself first: first rule is to save before you spend. Start small save X% of income then X% then 3%. X. Automate it: use technology to your advantage set up a direct payment from your paycheck to your preferred saving app . X. Start early the earlier you start the more time your savings can compound . X. Watch inflation always seek out savings options that allow you earn a real return"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975518928420909528) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T11:09Z 336.2K followers, 22.7K engagements


"Beautiful clean road with nice homes. No mass transit. No public water. Five new jobs created: - X Mai Ruwa - X Keke Maruwa - X fruit seller Jobs destroyed -Bus drivers & mechanics - Water chemists and engineers This is a low-value economy. What income can be earned here What contribution to nominal GDP What personal consumption can occur"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975833793987858886) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-08T08:01Z 336.2K followers, 42.5K engagements


"Lord knows I assumed this was a skit The president didn't buy a Maybach he went for an Escalade 😳"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975845397223666142) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-08T08:47Z 336.2K followers, 90.2K engagements


"River Niger was an international waterway based on terms of the Berlin Convention of 1885. So a boat could drop anchor on the river Nigeria and not pay taxes to France or Britain. Interesting"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975908522954260593) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-08T12:57Z 336.2K followers, 7047 engagements


"You know I grew up hearing a Governor was asked to name minerals in his state and he said coke and Fanta I took it as an urban legend never happened but good banter until I confirmed it did In the year 2065 our kids will go to X archives and debate if the post we are making today was real or sarcasm No one will believe that what is being posted today is real"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976027368189001863) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-08T20:50Z 336.2K followers, 49.4K engagements


"In Nigeria if your annual consumption level exceeds N137430 you are NOT considered in poverty. This is based on the 2018/19 Nigerian Living Standards Survey (NLSS) the most recent official data release from NBS in 2020 Note: consumption not income How many Nigerians do you know who spend less than N138000 a year That's N381 a day. This is how you can use statistics to argue a clearly faulty point The poverty in Nigeria is deep endemic and widespread"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976184913402740819) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-09T07:16Z 336.2K followers, 122.9K engagements


"Google just lie Apple META and practically every major corporation has to grow via acquisition. Organic growth is slow On Google specifically that YouTube purchase was a boomer"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976189953785860265) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-09T07:36Z 336.2K followers, 7853 engagements


"my own is who imports Goya into Nigeria"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976190322326794275) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-09T07:37Z 336.2K followers, 203.6K engagements


""Growth has increased; the overall fiscal situation has improved due to a surge in revenue; the foreign exchange (FX) market has been stable and is consolidating; the external position is strong with rising FX reserves and a large current account surplus powered by a surge in exports; and inflation has started to gradually decline." World Bank Nigeria Development Update October 25"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976273424084500903) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-09T13:07Z 336.2K followers, 14.7K engagements


"Nigeria has an East-West road that is not coastal; it's incomplete This coastal road is called a coastal road because it hugs the coast and it is different from the East-West road that is more inland. Edo State is on the East to West road now Edo which has no coastline and is now on the Coastal Road. (I have no beef with Edo State) So I ask again hoping for an answer if a non-coastal state is on this coastal road is it still a coastal road Can we add Kano to this coastal road"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976291400535916811) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-09T14:19Z 336.2K followers, 58.8K engagements


"@BenUwaifo Hence East West road"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976341590986850337) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-09T17:38Z 336.2K followers, 2848 engagements


"If you don't pay your taxes in America the IRS will send a male deer to your house Yes the deer is trained"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976751779569381712) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-10T20:48Z 336.2K followers, 585K engagements


"Well I would not look at your stock portfolio for a while it's going to be ugly. Also for me if stocks crash I am buying and I am only speaking for myself and not offering investment advice I am not your financial adviser"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976755959075852535) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-10T21:05Z 336.2K followers, 17.3K engagements


"Asia's exports to the US strengthen their currencies. They buy US Treasuries to weaken their currencies China built up nearly $1.3t in US Treasuries. China is now unwinding this asset class and buying a lot of gold Another reason why gold is up is up & US treasuries down"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976849020908978444) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-11T03:15Z 336.2K followers, 5988 engagements


"John earns N700000 per annum X. Will John pay Personal income Tax from 2026 No he earns less than N800000 per annum X. Must John file an income tax return Yes every eligible taxpayer in Nigeria must file a tax return X. So if I don't make enough income I must file taxes Yes that's how you tell the tax man your income is below the threshold"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977019947021939161) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-11T14:34Z 336.2K followers, 88K engagements


"Pure water has created more jobs than water works Generator has created more jobs than NEPA Keke has created more jobs than the Mass Transit systems Chemist has created more jobs than primary health care POS has created more jobs than banking"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977022308628959735) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-11T14:43Z 336.2K followers, 67.4K engagements


"Not sure which is worse North Korea or the Cameroon leadership"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977795310211768737) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T17:55Z 336.2K followers, 15.2K engagements


"Coastal road over swamps is not beans That's why instead of a coastal road in the delta they built an inland East-West road now abandoned. This new coastal road means more bridges have to be built. When you are entering Lagos there is this long Bridge that sits above the flood plains it's near the OPIC Gateway that's what has to happen This is the Florida version the A1 its bridges and land routes Glad we have a prof on the job"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977813399255064950) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T19:07Z 336.2K followers, 66.7K engagements


"I remember when Nigeria qualified for the first World Cup That game was away in Algeria second half I couldn't eat sit or breathe When Westerhoff held up his fingers to tell the Nigerian players that it was X minutes to the end it felt like X hours Cape Verde has qualified the smallest nation to do so Na God awa file dey"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977817503930970238) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T19:23Z 336.2K followers, 47.9K engagements


"Let me correct a misrepresentation. The abandoned East to West road does not pass through the South East; "East" here means the geographical East not the South East zone. The map below is the East to West road not the Coastal road. The abandoned East to West road goes from Lagos through the South-South geopolitical zone which includes states like Akwa Ibom Bayelsa Cross River Delta Edo and Rivers. Now the Edo section of the East to West road will be abandoned for a "new" 100km coastal highway It's called bait and switch. The South South should be asking questions. Is the East to West road now"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977862424528380301) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T22:22Z 336.2K followers, 31.9K engagements


"Pay attention This is where the money is flowing to"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977870024543998363) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T22:52Z 336.2K followers, 17.2K engagements


"I don't particularly like ASUU but they are hardened strikers This threat of no salary won't move them One of President Tinubus boasts was that no ASUU strike under him Nigeria can't fund tertiary education via budget allocation. The solution is to get a way to get the private sector to fund universities via tax breaks Why can't XXX% of the electronic money levy go to an education fund Many ideas can be improved upon but threats of salary cuts won't make a significant difference"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977905438978101432) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T01:12Z 336.2K followers, 90.2K engagements


"@akogunfirst Why do I care Cause it the economy my page talks about spending and investing and the economy I raise the point that these are two projects why are you so threatened I fear we are a tab bit sensitive"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977963827150143972) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T05:04Z 336.2K followers, 1812 engagements


"Hmmm The optics of this are wrong. This is the personalisation of federal resources My problem is the excuses and the abuse you will soon read which will justify this"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977970894141338011) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T05:33Z 336.2K followers, 115.8K engagements


"Lagos to Owerri approximately X hr N325000 or $XXX Los Angeles to Las Vegas approximately X hr $XXX Nigerians will struggle today to afford anything imported or priced in $ Air Peace's most significant costs are aviation fuel Aircraft Crew Maintenance and Insurance (ACMI). The safety checks insurance for Air Peace are all priced in USD for starters Air Peace in 2024 disclosed that it spends N14 million for a one-hour flight with aviation fuel accounting for XX% of that cost. They also mentioned the XX% cost of the interest rates Happy flying to the elites of 234"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977997363089391954) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T07:18Z 336.2K followers, 49.7K engagements


"East to West road v Coastal road Same states (except Edo in Coastal) Same alignment Same owner One is nearer the coast (that's the only difference) $11b would have completed the East to West road and built the Lagos Lekki end as well with funds left over to add a rail line. its a serious question why seek to borrow $11b for a new road when an existing road already exist uncompleted Why not simply dedicate that borrowing to a coastal rail line This a transformative project and Nigeria needs this but the project management part is still unclear"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978009572251206043) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T08:06Z 336.2K followers, 15.2K engagements


"@timosilver What exactly is a managed float don't bring in buzz words here The exchange rate is either market determined or its not. Nothing stops the CBN from pegging the Naira at N1000 but the question remain who will fund the difference"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978015958531822044) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T08:32Z 336.2K followers, XXX engagements


"Every time i look at this i just imagine a fund that collected $100m from American pensioners at X% and invested in Nigeria to earn XXXX% on a bond for XX years I mean.this was a jackpot When you do anyhow the bond vigilantes are waiting for you"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978021710638047464) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T08:55Z 336.2K followers, 14.5K engagements


"N4b is fake life N7.5b is reality"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978023501417071046) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T09:02Z 336.2K followers, 188.1K engagements


"When the coastal road project was announced VP Atiku stated that the cost was overblown and claimed that the Tinubu administration was building the road at a cost of N8 billion per kilometre. This interview in 2024 was the response of the Works Minister to the claim by VP Atiku on N8b he said and I quote You will find out that our cost is N4bn instead of the N8bn claimed by the former vice president. Today the same Minister of Works agrees with VP Atiku that the figure is near N8b and overblown. The works minister also said the total FGN commitment will be XX% to XX% meaning the bulk of the"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978048114788643179) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T10:39Z 336.2K followers, 136.5K engagements


"I want Zoran to win Either X. He implements his agenda and Americans learn why no socialist nation has a middle class Or X. He does not implement his ideas and Americans understand that Socialism is a fantasy Either way New Yorkers will learn basic economics together"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978368832214286807) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T07:54Z 336.2K followers, 17.3K engagements


"Nigerias single largest non-oil FDI investment is located in which State #FinPlanPolls"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978380027960889417) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T08:38Z 336.2K followers, 40.5K engagements


"It's capitalism paying black workers unheard of wages of $X a day ($150 today) in Ford Factories to assemble cars that create the black middle class for the first time in America after slavery Ford paid white and black workers the same which promted 400000 blacks to move to Detroit where black ownership of homes went from X% in 1910 to XX% by 1930. Capitalism did it the wages bought homes. Socialism is fairy dust; it's Santa Claus - it sounds nice. Who does not want free buses cheap groceries and affordable housing Why do you think all politicians sound like socialist Have you not been"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978429322236150232) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T11:54Z 336.2K followers, 24K engagements


"PDP is now like a local government saving bond paying X% when inflation is 3O% but expense ratio of XX% The alternative investment outlet the APC is a mutual fund that has a Price to Earnings ratio of 700000 with no dividends yet The Labour Party is a startup a Unicorn considering a listing on NASDAQ or NYSE but its founders disagree over basic go-to-market strategy"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978472557188919451) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T14:46Z 336.2K followers, 17.5K engagements


"Sometimes renting is cheaper than owning a home"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978665318416343228) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T03:32Z 336.2K followers, 390.8K engagements


"That's Jeff Bezos as CEO of a small startup called Amazon His desk is a door; see the cheap logo. Jeff probably did it himself. The computer is old school. When this picture was taken Jeff was already a billionaire from Amazon yet see his office Why He says "It's a symbol of spending money on the things that matter to customers and not spending money on the things that don't." Key phrase: matter to customers Nigerian first-generation banks installed air conditioning and had computers in their banking halls because it was essential to their customers. That's why they gobbled up market share"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978671379722674538) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T03:56Z 336.2K followers, 57.9K engagements


"@LarreyDaCryp @Bond_not_james Are you saying Tinubu should reject a $swap deal if offered Please clarify"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978675667207094519) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T04:13Z 336.2K followers, XXX engagements


"Nigeria's most crucial interstate road runs from Lagos to Ibadan. That's where the bulk of imports and exports pass That road has been under construction since 1999 The PDP and APC both failed to complete the project within a quarter of a century. Question: Do you think China Ethiopia Rwanda or Ghana will take XX years to reconstruct their most important road"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978677964025041209) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T04:22Z 336.2K followers, 45.3K engagements


"Can't stop laughing 😂"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978689041114554682) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T05:06Z 336.2K followers, 4456 engagements


"If they explain American politics to you and you understand it they didn't explain it well"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978692508260405273) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T05:20Z 336.2K followers, 9497 engagements


"I had a client in Lagos very rich and liquid guy was once a bank MD. The guy was renting back then he was staying in a house in VI in early 2000's his rent was N8m. i knew because i wrote the checks to the landlord. One day i asked him "why don't you have your own home" He said "Kalu if i decide to build a house to my taste it will cost me N300m. I can use that N300m and make at least N50m a year. This home whatever i ask the landlord he does because he does not want to lose me as a tenant its painted annually etc. i don't want to tie down my capital in a home" Thoughts"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978732649666723973) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:00Z 336.2K followers, 488.1K engagements


"Enough has not been said about the African Natural Resources and Mines Limited in Kaduna. its Nigeria largest non oil FDI with over $600m invested and employs more than 4000 workers. Its a mini Ajaokuta that works it uses the iron ore from Nigeria and process into iron rebars also with its own power plant. It does not have a furnace it uses DRI tech Great job Kaduna State"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978732896870629567) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:01Z 336.2K followers, 140.1K engagements


"@timosilver in effect tie down N150m which goes back the man main issue Not saying you are wrong just engaging"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978736713422770468) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:16Z 336.2K followers, 9151 engagements


"This is actually a math question its opportunity cost. The cost of buying the opportunity cost of investing N300m in say Treasury Bill paying 17%"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978738588423532887) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:23Z 336.2K followers, 73K engagements


"@edwardokeke61 how do you know its not happening"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978741479183929561) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:35Z 336.2K followers, 8629 engagements


"look at the guy eating's eyes 😂"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978744373425717558) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:46Z 336.2K followers, 4534 engagements


"But sir you alleged its not being done. He that alleges should prove. I ask you now say the onus is not on you because you have not seen does not mean its not happening There is a solid Minerals derivation fund in the budget office template. Have you see a black swan before"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978745692492603498) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:51Z 336.2K followers, 2467 engagements


"@koyaadesanya yes but his cash would also appreciate right"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978766646257799230) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T10:15Z 336.2K followers, 19.3K engagements


"For those in the West you can simply plug numbers into a calculator and it will tell you if to buy or rent. this is a good one"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978776671692997013) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T10:54Z 336.2K followers, 43.9K engagements


"@ndaniche why X% risk free was way higher than 15%"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978777102980616391) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T10:56Z 336.2K followers, 11.2K engagements


"1. Ford paid $X an hour. Fact X. Ford hired whites and blacks. Fact X. Blacks left the poor South in large numbers to work at Ford. Fact X. Ford's wages created a black middle class enabling homeownership. Fact X. Black America had a "Wall Street" and prosperity before Lyndon Johnson's welfare trapped blacks in poverty. Fact Tag me if you counter any of these facts"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978783439336919154) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T11:21Z 336.2K followers, 24K engagements


"@daviconet22 err not so its dependant on location and interest rates today renting is far cheaper than owning in the US"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978783609369575662) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T11:22Z 336.2K followers, 2057 engagements


"@koyaadesanya @buka_nna123 that's a XX% return annually did you reinvest the compounded returns"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978785595439599842) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T11:30Z 336.2K followers, 2683 engagements


"Trump says the US is in a trade war with China"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978793838195143162) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T12:03Z 336.2K followers, 7975 engagements


"How do we know its a gratuity payment or final payment Do they have a Contributory Pension Scheme"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978816241432207494) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T13:32Z 336.2K followers, 31.1K engagements


"Trump says India has agreed to stop buying Russian oil within a short period of time India is currently buying $52.7b India has not confirmed"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978858646407614495) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T16:20Z 336.2K followers, 9036 engagements


"The largest ever infrastructure contract in the history of Nigeria should be a template for due process Sadly this coastal road has become an euphemism for disregard of fiscal and environmental responsibility This reminds me of what happened under the last CBN Governor when he challenged citizens to come and fight me. Today the past CBN Governor carries an imported Bible seeking penance from God. Selah"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978888190561063081) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T18:18Z 336.2K followers, 36.9K engagements


"Now Putin wants to talk peace and requests a meeting in Budapest Did the Indian announcement that they would reduce Russian oil purchases play any role"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978906407165460940) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T19:30Z 336.2K followers, 17.3K engagements


"@thisleke 😂 go on"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978910941027643565) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T19:48Z 336.2K followers, 1438 engagements


"How can President pardon and lawyers review Is the review not supposed to happen before a list is sent to the President"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978911782740856989) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T19:51Z 336.2K followers, 157.9K engagements


"US posts budget surplus for September 2025"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978912814166347909) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T19:55Z 336.2K followers, 6539 engagements


"More Americans are getting richer"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979112900649164934) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T09:11Z 336.2K followers, 6730 engagements


"With the rebased 2019 GDP base year Nigeria's GDP was recalculated to about $XXX billion in 2014 putting Nigeria among the XX largest economies on earth So Vision XX by 2020 was achieved Today What's the vision $X by 2030 no seems out of reach the maths is too steep"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979190082772045861) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T14:17Z 336.2K followers, 26.7K engagements


"Ok The point we are to take from this is"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979227696258572420) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T16:47Z 336.2K followers, 31.1K engagements


"I want to be very clear I am NOT speaking about this church the pastor or the parishioners Any organisation that can build this edifice can build schools and hospitals of a similar scale. Even farms and refineries Solomon built a magnificent temple to Jehovah but under Solomon the economy of Israel was so strong and prosperous that silver was practically as common as stones I stop here"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979229451209839094) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T16:54Z 336.2K followers, 1.2M engagements


"Good The Argentine reforms must be sustained"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979273382891000208) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T19:48Z 336.2K followers, 19.2K engagements


"If I talk now. 😇"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979274707884282163) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T19:53Z 336.2K followers, 32.3K engagements


"He is half Nigerian Trump's in-law"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979275378213687417) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T19:56Z 336.2K followers, 30.7K engagements


"policemen are lobbying to be posted to Anambra and SE during the Christmas"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979276192558780517) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T19:59Z 336.2K followers, 110.2K engagements


"Saudi Arabia has a defence pact with Pakistan now seeks one with the US Saudi Arabia in talks with US for defence pact FT reports"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979312401536422131) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T22:23Z 336.2K followers, 7139 engagements


"Interesting chart Richer America have more liquid assets own business and less housing. They are liquid"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979466229539799305) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-18T08:35Z 336.2K followers, 4798 engagements


"@OmoOgunmodede Why do you bother You don't like Igbos you are a tribal bigot why not stay in your lane and hate there Why are you in this Cs Please do your token abuse and leave don't return find your coven of bigots and dwell in peace"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979559342291747207) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-18T14:45Z 336.2K followers, 3584 engagements


"When I was in Primary school I read Aesop's Fables. There was one about the Fox and sour grapes very educative"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979561619261890922) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-18T14:54Z 336.2K followers, 29.2K engagements


"Greed is good It's greed that makes investors build more Airbnb properties for the busy December season. The end is that there are more apartments and prices fall Capitalism cures itself Without greed or capitalism there will be no investment. From independence to today the Federal State and local governments across Nigeria have built less than X million homes. That's why there is scarcity. Take the roses with the thorns"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979603647509172344) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-18T17:41Z 336.2K followers, 10.1K engagements


"If Nigerians give billions to churches and zero to the government it's simply because they trust the churches more than the government So should the government give the religious organisation targets on infrastructure and HDI and then ask that the people pay taxes to the religious organisations Discuss"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979607203125555652) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-18T17:55Z 336.2K followers, 21.9K engagements


"The Danger of a Single Story The very first time I heard of the Chibok girls being kidnapped was in a church in America. I heard it the day it happened. The point is that the pastor in that church in Washington also heard it from someone who was watching Nigeria. I assumed it was an error that the pastor meant to say Niger but said Nigeria. Ithen googled and read that indeed it was Nigeria. I also read with relief that the girl had been rescued. I told my Oyibo friends and they were relieved. We later found out the girl had not been found and a hashtag was born Nigeria can't play fast and"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979653496690684001) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-18T20:59Z 336.2K followers, 29.4K engagements


"Great job to all that made this happen Vision 2020:20 was successful Take your flowers"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979274122254524637) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T19:51Z 336.2K followers, 27.6K engagements


"This is why Trump wants Greenland "Greenlands Kringlerne and Kvanefjeld deposits hold some of the largest known rare earth reserves in the world enough to supply global demand for decades.""  
[X Link](https://x.com/FinPlanKaluAja1/status/1979829623237357891) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-19T08:39Z 336.2K followers, 7234 engagements

[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

@FinPlanKaluAja1 "Nigeria simply moved on from ATMs to POS operators (aka kids under an umbrella hawking cash). I stand to be corrected but there are no POS folks selling currency in Rwanda Kenya Egypt or South Africa Just in Nigeria. The problem is not that this is happening but that its accepted. Even the BPE is celebrating 1.2m jobs created via POS that's not a flex. Boy there is something in the water in Nigeria that dulls the desire for better things. Why is is so hard to demand the bare basics of life"
X Link @FinPlanKaluAja1 2025-10-07T08:34Z 336.2K followers, 220.7K engagements

"If Nigeria deployed a division of the Army to the North East then mined the gold and sold that gold exclusively to the Central Bank of Nigeria the naira would gain significant value without the need for FPI or outright $ loans Gold is the new oil; gold and silver are the performing asset class at the moment Ghana has done the same thing without the army of course but their currency is currently one of the best in the world in terms of appreciation to the dollar"
X Link @FinPlanKaluAja1 2025-10-17T16:36Z 336.2K followers, 15K engagements

"If you compare Erik ten Hag to Ruben Amorim and not Sir Alex Ferguson. In economics we call this the base effect Any economic indicator today looks better when compared to the last XX months"
X Link @FinPlanKaluAja1 2025-10-17T17:12Z 336.2K followers, 33.4K engagements

"Just reading that Maduro offered to leave the Russian orbit open Venezuela oil to the US and many more Yet"
X Link @FinPlanKaluAja1 2025-10-17T18:28Z 336.2K followers, 18.1K engagements

"New v Old Taxes"
X Link @FinPlanKaluAja1 2025-08-24T18:35Z 336.2K followers, 166.5K engagements

"Smart way to market iPhone 17"
X Link @FinPlanKaluAja1 2025-10-15T07:47Z 336.2K followers, 8464 engagements

"I think folks are confusing a social nation (Scandinavian) with a socialist economy Not the same thing. China is a communist nation but it has a capitalist economy with private ownership of assets Denmark and Sweden are social nations but their economies are also capitalist Including Poland"
X Link @FinPlanKaluAja1 2025-10-15T08:43Z 336.2K followers, 1929 engagements

"Gambia imports far more than it exports it's not even close. So why is the Gambian Dalasi so strong Even stronger than the almighty Naira well X. Remittances from Gambia abroad X. Tourism What you do with this data is your prerogative. But ask yourself why the New Yam Festival can't be packaged as a 'Spiritual Tour" for black Americans to connect back to their African roots by eating organic yam blessed by the Chi of the forefathers. Cost just $3399 minus airfare itinerary Eke: Land in Enugu Internation Airport evening ceremonial rebirth and renaming ceremony Orie: Awake to the spiritual sun"
X Link @FinPlanKaluAja1 2023-09-21T08:34Z 336.1K followers, 224.1K engagements

"Starbucks sacked their CEO hired a new CEO from Chipotle Starbucks stock rose XX% adding $21b to market capitalization Chipotle on the other hand lost their CEO and their stock fell XXX% losing $5b in market capitalization The markets are reacting to news ooh the new CEO has not even started work Recall when i told you that if the market perceives that a "CEO" is good the currency will rise and inflation will fall even before any policy is announced A tree makes a forest ooh but you will argue"
X Link @FinPlanKaluAja1 2024-08-14T09:36Z 336.2K followers, 73.3K engagements

"Saudi Billionaires create companies. List those companies on the Saudi Exchange. Invest in companies on the Saudi Stock Exchange. That's how they attract outside money to the region. Imagine travelling to Europe to ask investors to invest in your homeland when your wealth is with the same European investors in Europe. They will say to you.show us the way"
X Link @FinPlanKaluAja1 2025-05-18T12:59Z 336.1K followers, 8271 engagements

"I see that folks don't understand what a regressvie tax means Income N1m XXX litres x N10= N1000 X% tax is N50 or .005% of income Income N1b XXX litres x N10= N1000 X% tax is N50 or .0000005% of income This is basic math"
X Link @FinPlanKaluAja1 2025-09-06T20:51Z 336.2K followers, 19.9K engagements

"Day 1: go to the UN ask for a seat on the Security Council Day 2: Visit the World Bank and IMF to ask for debt relief Day 3: Visit CNN and push for reparations Day 4: transfer $XX million to buy a home in London Day 5: wife leaves to drop off kids for school in Switzerland Day 6: Shop in Neiman Marcus Day 7: Fly back home in a private jet"
X Link @FinPlanKaluAja1 2025-09-26T06:56Z 336.2K followers, 187K engagements

"No but if you move from a non interest bearing account to a interest bearing account you will pay tax on income earned"
X Link @FinPlanKaluAja1 2025-10-05T18:25Z 336.2K followers, 3520 engagements

"Iran is removing four zeros from the currency exchange value with $ Thus 1000000 becomes XXX Will it make currency stronger no It's make up Iranian parliament approves currency redenomination"
X Link @FinPlanKaluAja1 2025-10-05T22:39Z 336.2K followers, 60.5K engagements

"Next is the Olympics"
X Link @FinPlanKaluAja1 2025-10-06T14:24Z 336.1K followers, 12.1K engagements

"Not just currencies any asset class denominated in $ including equity ETFs has lost ground this year"
X Link @FinPlanKaluAja1 2025-10-07T05:28Z 336.2K followers, 5347 engagements

"The VP is correct $1b investment in NVIDIA or MAG X stock at the same time Dangote invested $1b in his refinery would have made Dangote more ROI and less headache and Nigeria less ROI and more headache"
X Link @FinPlanKaluAja1 2025-10-07T06:11Z 336.2K followers, 5320 engagements

"The increase according to Bloomberg is fuelled by reforms falling interest rates and the weaker dollar which has boosted investor appetite for African assets"
X Link @FinPlanKaluAja1 2025-10-07T06:30Z 336.2K followers, 6352 engagements

"You cant get ATMs to work but you want to host commonwealth games and grand prix So Ndi Kenya will come here and leave MPESA to buy naira under umbrella Where is my laughing emoji"
X Link @FinPlanKaluAja1 2025-10-07T09:00Z 336.2K followers, 19K engagements

"What they taught me in primary school Question; "a road has a length of 700m it cost $11b to build the road what is the average cost per kilometer" X. determine length: 700km X. determine total cost: $11b X. divide cost by total length. $11b/700km X. answer is $15714286 Is this what they taught you in primary school too"
X Link @FinPlanKaluAja1 2025-10-08T08:00Z 336.2K followers, 71K engagements

"October is Financial Planning Month"
X Link @FinPlanKaluAja1 2025-10-10T18:46Z 336.1K followers, 7208 engagements

"If Kalu Aja Ltd with equipment worth N270m buys Chelsea jersey for N10m and resells it for N49.9m Will Kalu Aja Ltd pay Corporate taxes No turnover is less than N50m If Kalu Aja Ltd with equipment worth N270m buys a Chelsea jersey for N10m and sells it for N59.9m Will Kalu Aja Ltd pay Corporate taxes Yeah turnover is more than N50m and fixed assets are more than N250m Note: The tax will be based on the N49.9m profit (N59.9 m turnover less N10m cost) assuming N10m is the only cost. A small company is defined as one with an annual gross turnover of N50 million or less and total fixed assets not"
X Link @FinPlanKaluAja1 2025-10-10T21:45Z 336.2K followers, 31.8K engagements

"There is no bigger demarketing than removing an elected governor and replacing him with a general and the Supreme Court stays silent. It means any significant investment can be upended and courts will also stay silent. In finance it's called sovereign risk and it shows up in the risk premium for Bonds Rwanda with a smaller economy and no crude oil can borrow ar a lower coupon rate than Nigeria Rwandas Eurobond Yield for a 10-year USD Eurobond maturing in 2031 has a coupon rate of XXX% and a yield of 5.5-6%. Rwanda's risk rating is B+ Nigerias Eurobond Yield for a 10-year USD Eurobond maturing"
X Link @FinPlanKaluAja1 2025-10-12T16:37Z 336.2K followers, 185K engagements

"If Kalu builds a block of flats for his mum and dashes the title documents to his mother Will his mother pay income taxes X. Where she receives the flats that's a gift an asset no income tax X. Rent from the house Yes that's income; she pays income tax on that inflow"
X Link @FinPlanKaluAja1 2025-10-12T20:47Z 336.2K followers, 15.4K engagements

"Paul Biya has won another 8-year term It was a close election I hear he won XX% of the vote"
X Link @FinPlanKaluAja1 2025-10-13T03:27Z 336.2K followers, 116.9K engagements

"Oil price is falling Naira is gaining But NNPC is increasing the price of PMS Like walk me through"
X Link @FinPlanKaluAja1 2025-10-13T18:26Z 336.2K followers, 98.6K engagements

"China displaced France China couldn't displace South Africa Nigeria should have held the economy of West Africa tight with close marking the same way South Africa holds the economy of Southern Africa. (Interesting part is that China took over South Africa as well)"
X Link @FinPlanKaluAja1 2025-10-13T22:02Z 336.2K followers, 4709 engagements

"If you think the best use of borrowed $11b is to build a new road adjacent to an existing road in Nigeria then truly we have a problem of spending"
X Link @FinPlanKaluAja1 2025-10-14T10:09Z 336.2K followers, 20.8K engagements

"If Kalu earns N100000 income a year from selling his financial planning book in Nigeria but does not file a personal income tax return will Kalu pay Personal Income Tax"
X Link @FinPlanKaluAja1 2025-10-14T11:58Z 336.1K followers, 12.2K engagements

"@victorumesi The same place the money to build the Old Imo airport came from"
X Link @FinPlanKaluAja1 2025-10-15T02:02Z 336.2K followers, XXX engagements

"Instead you give it to diaspora or high-income renters who can afford the luxury living You put all homes into a mortgage-backed security then use MBS as collateral to build low-income housing You turn X to 11"
X Link @FinPlanKaluAja1 2025-10-15T05:16Z 336.2K followers, 40.8K engagements

"@iam_polymath"
X Link @FinPlanKaluAja1 2025-10-15T10:52Z 336.2K followers, XXX engagements

"@mickeywestside by you"
X Link @FinPlanKaluAja1 2025-10-15T13:57Z 336.1K followers, XXX engagements

"First its pro Isreal Then all Jews It's not just New York the is why the strongest candidate for VP Josh Shapiro was passed over for Tim Na so e dey start"
X Link @FinPlanKaluAja1 2025-10-15T19:51Z 336.2K followers, 9314 engagements

"Until a Democrat wins the white house Source:"
X Link @FinPlanKaluAja1 2025-10-16T06:16Z 336.2K followers, 2673 engagements

"@ade_bhoye yes very"
X Link @FinPlanKaluAja1 2025-10-16T08:28Z 336.1K followers, 7139 engagements

"@sweetlskin5 @ndaniche this was in 2000s he could afford a N300m home he choose not to he is renting out of chosie nto because he cant build a N300m home"
X Link @FinPlanKaluAja1 2025-10-16T11:43Z 336.1K followers, XXX engagements

"@parrticulars @timosilver why a mortgage he can afford to build a home he choose not to i fear you are anchored on the home not wrong but you are refusing to see the other side"
X Link @FinPlanKaluAja1 2025-10-16T11:51Z 336.1K followers, XX engagements

"@BCF_BJL Yes"
X Link @FinPlanKaluAja1 2025-10-17T17:15Z 336.2K followers, XX engagements

"@grok @AAProm042 @Black_shugarr Thanks Grok"
X Link @FinPlanKaluAja1 2025-10-17T17:53Z 336.2K followers, XXX engagements

"@JamesUAbraham He is partly Nigerian"
X Link @FinPlanKaluAja1 2025-10-17T18:50Z 336.2K followers, XXX engagements

"@POPESTANSTAN yes but his point is why pay mortgage when he can simple invest"
X Link @FinPlanKaluAja1 2025-10-16T08:17Z 336.2K followers, 8319 engagements

"@ebenezer_uwaeme yes"
X Link @FinPlanKaluAja1 2025-10-16T08:30Z 336.2K followers, 13.8K engagements

"If the price rises to $XX some people in my nation will say it has gone up by XXX% because of the policies of"
X Link @FinPlanKaluAja1 2025-10-19T01:02Z 336.2K followers, 99.8K engagements

"Congratulations #MissUniverse2024 May our Naira also rise to top five in the world"
X Link @FinPlanKaluAja1 2024-11-17T04:00Z 336.2K followers, 143.6K engagements

"Nigeria is older than Singapore X X 3"
X Link @FinPlanKaluAja1 2025-09-10T07:43Z 336.2K followers, 136.1K engagements

"I researched Ajaokuta extensively and what struck me was that its failure was not primarily due to corruption. Instead Nigeria's lack of proper project management during the late 1970s and early 1980s played a significant role. The USSR misled Nigeria into awarding the contract. Although Nigeria was inclined to give the contract to Western companies the USSR claimed they had discovered ore suitable for steel production in Nigeria which turned out to be untrue. At one point the USSR had around 20000 workers along with their families in Nigeria highlighting the project's scale and its"
X Link @FinPlanKaluAja1 2025-09-16T18:50Z 336.2K followers, 87.2K engagements

"New Tax Reform If you earn personal income below N800000 you pay zero income tax Your company has a turnover below N50m and you pay zero corporate income tax The significant change under this tax law is that you have to invest or make certain purchases to avoid taxes legally Tax avoidance is legal tax evasion is illegal Under current law (until December 31st 2025) you get XX% of gross income plus a N200k or X% of gross whichever is higher as tax relief automatically; the new law does not make this automatic you have to invest to claim a deduction Invest in what X. Open and contribute to a"
X Link @FinPlanKaluAja1 2025-09-19T13:55Z 336.2K followers, 321K engagements

"Real Estate ROI v Capital Appreciation #experiencenairobi #vaalkenya"
X Link @FinPlanKaluAja1 2025-09-26T07:24Z 336.2K followers, 3172 engagements

"My mind can't comprehend this"
X Link @FinPlanKaluAja1 2025-09-27T17:28Z 336.2K followers, 1.3M engagements

"Lots of good book recommendations here"
X Link @FinPlanKaluAja1 2025-09-28T15:19Z 336.2K followers, 29.4K engagements

"In summary two different approaches by bankers who have heavy spenders as their main customers Emefiele; freeze rates: deny the real demand ban Aboki Fx ban rice and XX items from fx trade. Cardoso: unfreeze rates; open the market offer juicy rates for $ to flow in and fund imports Economics does not give answers; economics gives options"
X Link @FinPlanKaluAja1 2025-10-03T18:27Z 336.2K followers, 25.3K engagements

"Everything Mr Taiwo said in this video I posted about from 2015 When I posted these economic facts many said it was untrue that the CBN was printing trillions or that NNPC was subsidising anything The Presidency of Buhari struggled with these subsidy payments; he was advised wrongly to retain them and peg the Naira to the dollar Even today many still argue that NNPC was not paying subsidy but here the gentleman speaking confirms that subsidy removal boosts revenues to the federation We cant change our economic beliefs because of who is in Abuja In terms of the macroeconomic policy the"
X Link @FinPlanKaluAja1 2025-10-04T20:52Z 336.2K followers, 217.4K engagements

"Read the post slowly Senegal built its refinery in 1961 to use IMPORTED oil They then found commercial quantities of oil but the current local refinery in Senegal can't refine crude oil from Senegal it refines Nigerian oil Learn"
X Link @FinPlanKaluAja1 2025-10-05T17:13Z 336.2K followers, 17.6K engagements

"Its easier for Arsenal to win the Champions league than to find a functional ATM the financial capital of Nigeria"
X Link @FinPlanKaluAja1 2025-10-07T08:05Z 336.2K followers, 3023 engagements

"The US announced a XXX% levy on branded and patented medicine imports from October X unless manufacturers build plants in the US. Europe responded: - AstraZeneca to invest $XX billion in the US by 2050 - Sanofi to invest $XX billion in the US by 2030 - Roche to invest $XX billion in the US - Novartis to invest $XX billion in the US The US can impose tariffs at minimal cost because its market is the largest and its consumers the wealthiest. No manufacturer can become a Fortune XX or XXX company without the US market. Tariffs work in markets where importers are competing with local producers"
X Link @FinPlanKaluAja1 2025-10-07T10:11Z 336.2K followers, 14K engagements

"The rules of Savings X. Pay yourself first: first rule is to save before you spend. Start small save X% of income then X% then 3%. X. Automate it: use technology to your advantage set up a direct payment from your paycheck to your preferred saving app . X. Start early the earlier you start the more time your savings can compound . X. Watch inflation always seek out savings options that allow you earn a real return"
X Link @FinPlanKaluAja1 2025-10-07T11:09Z 336.2K followers, 22.7K engagements

"Beautiful clean road with nice homes. No mass transit. No public water. Five new jobs created: - X Mai Ruwa - X Keke Maruwa - X fruit seller Jobs destroyed -Bus drivers & mechanics - Water chemists and engineers This is a low-value economy. What income can be earned here What contribution to nominal GDP What personal consumption can occur"
X Link @FinPlanKaluAja1 2025-10-08T08:01Z 336.2K followers, 42.5K engagements

"Lord knows I assumed this was a skit The president didn't buy a Maybach he went for an Escalade 😳"
X Link @FinPlanKaluAja1 2025-10-08T08:47Z 336.2K followers, 90.2K engagements

"River Niger was an international waterway based on terms of the Berlin Convention of 1885. So a boat could drop anchor on the river Nigeria and not pay taxes to France or Britain. Interesting"
X Link @FinPlanKaluAja1 2025-10-08T12:57Z 336.2K followers, 7047 engagements

"You know I grew up hearing a Governor was asked to name minerals in his state and he said coke and Fanta I took it as an urban legend never happened but good banter until I confirmed it did In the year 2065 our kids will go to X archives and debate if the post we are making today was real or sarcasm No one will believe that what is being posted today is real"
X Link @FinPlanKaluAja1 2025-10-08T20:50Z 336.2K followers, 49.4K engagements

"In Nigeria if your annual consumption level exceeds N137430 you are NOT considered in poverty. This is based on the 2018/19 Nigerian Living Standards Survey (NLSS) the most recent official data release from NBS in 2020 Note: consumption not income How many Nigerians do you know who spend less than N138000 a year That's N381 a day. This is how you can use statistics to argue a clearly faulty point The poverty in Nigeria is deep endemic and widespread"
X Link @FinPlanKaluAja1 2025-10-09T07:16Z 336.2K followers, 122.9K engagements

"Google just lie Apple META and practically every major corporation has to grow via acquisition. Organic growth is slow On Google specifically that YouTube purchase was a boomer"
X Link @FinPlanKaluAja1 2025-10-09T07:36Z 336.2K followers, 7853 engagements

"my own is who imports Goya into Nigeria"
X Link @FinPlanKaluAja1 2025-10-09T07:37Z 336.2K followers, 203.6K engagements

""Growth has increased; the overall fiscal situation has improved due to a surge in revenue; the foreign exchange (FX) market has been stable and is consolidating; the external position is strong with rising FX reserves and a large current account surplus powered by a surge in exports; and inflation has started to gradually decline." World Bank Nigeria Development Update October 25"
X Link @FinPlanKaluAja1 2025-10-09T13:07Z 336.2K followers, 14.7K engagements

"Nigeria has an East-West road that is not coastal; it's incomplete This coastal road is called a coastal road because it hugs the coast and it is different from the East-West road that is more inland. Edo State is on the East to West road now Edo which has no coastline and is now on the Coastal Road. (I have no beef with Edo State) So I ask again hoping for an answer if a non-coastal state is on this coastal road is it still a coastal road Can we add Kano to this coastal road"
X Link @FinPlanKaluAja1 2025-10-09T14:19Z 336.2K followers, 58.8K engagements

"@BenUwaifo Hence East West road"
X Link @FinPlanKaluAja1 2025-10-09T17:38Z 336.2K followers, 2848 engagements

"If you don't pay your taxes in America the IRS will send a male deer to your house Yes the deer is trained"
X Link @FinPlanKaluAja1 2025-10-10T20:48Z 336.2K followers, 585K engagements

"Well I would not look at your stock portfolio for a while it's going to be ugly. Also for me if stocks crash I am buying and I am only speaking for myself and not offering investment advice I am not your financial adviser"
X Link @FinPlanKaluAja1 2025-10-10T21:05Z 336.2K followers, 17.3K engagements

"Asia's exports to the US strengthen their currencies. They buy US Treasuries to weaken their currencies China built up nearly $1.3t in US Treasuries. China is now unwinding this asset class and buying a lot of gold Another reason why gold is up is up & US treasuries down"
X Link @FinPlanKaluAja1 2025-10-11T03:15Z 336.2K followers, 5988 engagements

"John earns N700000 per annum X. Will John pay Personal income Tax from 2026 No he earns less than N800000 per annum X. Must John file an income tax return Yes every eligible taxpayer in Nigeria must file a tax return X. So if I don't make enough income I must file taxes Yes that's how you tell the tax man your income is below the threshold"
X Link @FinPlanKaluAja1 2025-10-11T14:34Z 336.2K followers, 88K engagements

"Pure water has created more jobs than water works Generator has created more jobs than NEPA Keke has created more jobs than the Mass Transit systems Chemist has created more jobs than primary health care POS has created more jobs than banking"
X Link @FinPlanKaluAja1 2025-10-11T14:43Z 336.2K followers, 67.4K engagements

"Not sure which is worse North Korea or the Cameroon leadership"
X Link @FinPlanKaluAja1 2025-10-13T17:55Z 336.2K followers, 15.2K engagements

"Coastal road over swamps is not beans That's why instead of a coastal road in the delta they built an inland East-West road now abandoned. This new coastal road means more bridges have to be built. When you are entering Lagos there is this long Bridge that sits above the flood plains it's near the OPIC Gateway that's what has to happen This is the Florida version the A1 its bridges and land routes Glad we have a prof on the job"
X Link @FinPlanKaluAja1 2025-10-13T19:07Z 336.2K followers, 66.7K engagements

"I remember when Nigeria qualified for the first World Cup That game was away in Algeria second half I couldn't eat sit or breathe When Westerhoff held up his fingers to tell the Nigerian players that it was X minutes to the end it felt like X hours Cape Verde has qualified the smallest nation to do so Na God awa file dey"
X Link @FinPlanKaluAja1 2025-10-13T19:23Z 336.2K followers, 47.9K engagements

"Let me correct a misrepresentation. The abandoned East to West road does not pass through the South East; "East" here means the geographical East not the South East zone. The map below is the East to West road not the Coastal road. The abandoned East to West road goes from Lagos through the South-South geopolitical zone which includes states like Akwa Ibom Bayelsa Cross River Delta Edo and Rivers. Now the Edo section of the East to West road will be abandoned for a "new" 100km coastal highway It's called bait and switch. The South South should be asking questions. Is the East to West road now"
X Link @FinPlanKaluAja1 2025-10-13T22:22Z 336.2K followers, 31.9K engagements

"Pay attention This is where the money is flowing to"
X Link @FinPlanKaluAja1 2025-10-13T22:52Z 336.2K followers, 17.2K engagements

"I don't particularly like ASUU but they are hardened strikers This threat of no salary won't move them One of President Tinubus boasts was that no ASUU strike under him Nigeria can't fund tertiary education via budget allocation. The solution is to get a way to get the private sector to fund universities via tax breaks Why can't XXX% of the electronic money levy go to an education fund Many ideas can be improved upon but threats of salary cuts won't make a significant difference"
X Link @FinPlanKaluAja1 2025-10-14T01:12Z 336.2K followers, 90.2K engagements

"@akogunfirst Why do I care Cause it the economy my page talks about spending and investing and the economy I raise the point that these are two projects why are you so threatened I fear we are a tab bit sensitive"
X Link @FinPlanKaluAja1 2025-10-14T05:04Z 336.2K followers, 1812 engagements

"Hmmm The optics of this are wrong. This is the personalisation of federal resources My problem is the excuses and the abuse you will soon read which will justify this"
X Link @FinPlanKaluAja1 2025-10-14T05:33Z 336.2K followers, 115.8K engagements

"Lagos to Owerri approximately X hr N325000 or $XXX Los Angeles to Las Vegas approximately X hr $XXX Nigerians will struggle today to afford anything imported or priced in $ Air Peace's most significant costs are aviation fuel Aircraft Crew Maintenance and Insurance (ACMI). The safety checks insurance for Air Peace are all priced in USD for starters Air Peace in 2024 disclosed that it spends N14 million for a one-hour flight with aviation fuel accounting for XX% of that cost. They also mentioned the XX% cost of the interest rates Happy flying to the elites of 234"
X Link @FinPlanKaluAja1 2025-10-14T07:18Z 336.2K followers, 49.7K engagements

"East to West road v Coastal road Same states (except Edo in Coastal) Same alignment Same owner One is nearer the coast (that's the only difference) $11b would have completed the East to West road and built the Lagos Lekki end as well with funds left over to add a rail line. its a serious question why seek to borrow $11b for a new road when an existing road already exist uncompleted Why not simply dedicate that borrowing to a coastal rail line This a transformative project and Nigeria needs this but the project management part is still unclear"
X Link @FinPlanKaluAja1 2025-10-14T08:06Z 336.2K followers, 15.2K engagements

"@timosilver What exactly is a managed float don't bring in buzz words here The exchange rate is either market determined or its not. Nothing stops the CBN from pegging the Naira at N1000 but the question remain who will fund the difference"
X Link @FinPlanKaluAja1 2025-10-14T08:32Z 336.2K followers, XXX engagements

"Every time i look at this i just imagine a fund that collected $100m from American pensioners at X% and invested in Nigeria to earn XXXX% on a bond for XX years I mean.this was a jackpot When you do anyhow the bond vigilantes are waiting for you"
X Link @FinPlanKaluAja1 2025-10-14T08:55Z 336.2K followers, 14.5K engagements

"N4b is fake life N7.5b is reality"
X Link @FinPlanKaluAja1 2025-10-14T09:02Z 336.2K followers, 188.1K engagements

"When the coastal road project was announced VP Atiku stated that the cost was overblown and claimed that the Tinubu administration was building the road at a cost of N8 billion per kilometre. This interview in 2024 was the response of the Works Minister to the claim by VP Atiku on N8b he said and I quote You will find out that our cost is N4bn instead of the N8bn claimed by the former vice president. Today the same Minister of Works agrees with VP Atiku that the figure is near N8b and overblown. The works minister also said the total FGN commitment will be XX% to XX% meaning the bulk of the"
X Link @FinPlanKaluAja1 2025-10-14T10:39Z 336.2K followers, 136.5K engagements

"I want Zoran to win Either X. He implements his agenda and Americans learn why no socialist nation has a middle class Or X. He does not implement his ideas and Americans understand that Socialism is a fantasy Either way New Yorkers will learn basic economics together"
X Link @FinPlanKaluAja1 2025-10-15T07:54Z 336.2K followers, 17.3K engagements

"Nigerias single largest non-oil FDI investment is located in which State #FinPlanPolls"
X Link @FinPlanKaluAja1 2025-10-15T08:38Z 336.2K followers, 40.5K engagements

"It's capitalism paying black workers unheard of wages of $X a day ($150 today) in Ford Factories to assemble cars that create the black middle class for the first time in America after slavery Ford paid white and black workers the same which promted 400000 blacks to move to Detroit where black ownership of homes went from X% in 1910 to XX% by 1930. Capitalism did it the wages bought homes. Socialism is fairy dust; it's Santa Claus - it sounds nice. Who does not want free buses cheap groceries and affordable housing Why do you think all politicians sound like socialist Have you not been"
X Link @FinPlanKaluAja1 2025-10-15T11:54Z 336.2K followers, 24K engagements

"PDP is now like a local government saving bond paying X% when inflation is 3O% but expense ratio of XX% The alternative investment outlet the APC is a mutual fund that has a Price to Earnings ratio of 700000 with no dividends yet The Labour Party is a startup a Unicorn considering a listing on NASDAQ or NYSE but its founders disagree over basic go-to-market strategy"
X Link @FinPlanKaluAja1 2025-10-15T14:46Z 336.2K followers, 17.5K engagements

"Sometimes renting is cheaper than owning a home"
X Link @FinPlanKaluAja1 2025-10-16T03:32Z 336.2K followers, 390.8K engagements

"That's Jeff Bezos as CEO of a small startup called Amazon His desk is a door; see the cheap logo. Jeff probably did it himself. The computer is old school. When this picture was taken Jeff was already a billionaire from Amazon yet see his office Why He says "It's a symbol of spending money on the things that matter to customers and not spending money on the things that don't." Key phrase: matter to customers Nigerian first-generation banks installed air conditioning and had computers in their banking halls because it was essential to their customers. That's why they gobbled up market share"
X Link @FinPlanKaluAja1 2025-10-16T03:56Z 336.2K followers, 57.9K engagements

"@LarreyDaCryp @Bond_not_james Are you saying Tinubu should reject a $swap deal if offered Please clarify"
X Link @FinPlanKaluAja1 2025-10-16T04:13Z 336.2K followers, XXX engagements

"Nigeria's most crucial interstate road runs from Lagos to Ibadan. That's where the bulk of imports and exports pass That road has been under construction since 1999 The PDP and APC both failed to complete the project within a quarter of a century. Question: Do you think China Ethiopia Rwanda or Ghana will take XX years to reconstruct their most important road"
X Link @FinPlanKaluAja1 2025-10-16T04:22Z 336.2K followers, 45.3K engagements

"Can't stop laughing 😂"
X Link @FinPlanKaluAja1 2025-10-16T05:06Z 336.2K followers, 4456 engagements

"If they explain American politics to you and you understand it they didn't explain it well"
X Link @FinPlanKaluAja1 2025-10-16T05:20Z 336.2K followers, 9497 engagements

"I had a client in Lagos very rich and liquid guy was once a bank MD. The guy was renting back then he was staying in a house in VI in early 2000's his rent was N8m. i knew because i wrote the checks to the landlord. One day i asked him "why don't you have your own home" He said "Kalu if i decide to build a house to my taste it will cost me N300m. I can use that N300m and make at least N50m a year. This home whatever i ask the landlord he does because he does not want to lose me as a tenant its painted annually etc. i don't want to tie down my capital in a home" Thoughts"
X Link @FinPlanKaluAja1 2025-10-16T08:00Z 336.2K followers, 488.1K engagements

"Enough has not been said about the African Natural Resources and Mines Limited in Kaduna. its Nigeria largest non oil FDI with over $600m invested and employs more than 4000 workers. Its a mini Ajaokuta that works it uses the iron ore from Nigeria and process into iron rebars also with its own power plant. It does not have a furnace it uses DRI tech Great job Kaduna State"
X Link @FinPlanKaluAja1 2025-10-16T08:01Z 336.2K followers, 140.1K engagements

"@timosilver in effect tie down N150m which goes back the man main issue Not saying you are wrong just engaging"
X Link @FinPlanKaluAja1 2025-10-16T08:16Z 336.2K followers, 9151 engagements

"This is actually a math question its opportunity cost. The cost of buying the opportunity cost of investing N300m in say Treasury Bill paying 17%"
X Link @FinPlanKaluAja1 2025-10-16T08:23Z 336.2K followers, 73K engagements

"@edwardokeke61 how do you know its not happening"
X Link @FinPlanKaluAja1 2025-10-16T08:35Z 336.2K followers, 8629 engagements

"look at the guy eating's eyes 😂"
X Link @FinPlanKaluAja1 2025-10-16T08:46Z 336.2K followers, 4534 engagements

"But sir you alleged its not being done. He that alleges should prove. I ask you now say the onus is not on you because you have not seen does not mean its not happening There is a solid Minerals derivation fund in the budget office template. Have you see a black swan before"
X Link @FinPlanKaluAja1 2025-10-16T08:51Z 336.2K followers, 2467 engagements

"@koyaadesanya yes but his cash would also appreciate right"
X Link @FinPlanKaluAja1 2025-10-16T10:15Z 336.2K followers, 19.3K engagements

"For those in the West you can simply plug numbers into a calculator and it will tell you if to buy or rent. this is a good one"
X Link @FinPlanKaluAja1 2025-10-16T10:54Z 336.2K followers, 43.9K engagements

"@ndaniche why X% risk free was way higher than 15%"
X Link @FinPlanKaluAja1 2025-10-16T10:56Z 336.2K followers, 11.2K engagements

"1. Ford paid $X an hour. Fact X. Ford hired whites and blacks. Fact X. Blacks left the poor South in large numbers to work at Ford. Fact X. Ford's wages created a black middle class enabling homeownership. Fact X. Black America had a "Wall Street" and prosperity before Lyndon Johnson's welfare trapped blacks in poverty. Fact Tag me if you counter any of these facts"
X Link @FinPlanKaluAja1 2025-10-16T11:21Z 336.2K followers, 24K engagements

"@daviconet22 err not so its dependant on location and interest rates today renting is far cheaper than owning in the US"
X Link @FinPlanKaluAja1 2025-10-16T11:22Z 336.2K followers, 2057 engagements

"@koyaadesanya @buka_nna123 that's a XX% return annually did you reinvest the compounded returns"
X Link @FinPlanKaluAja1 2025-10-16T11:30Z 336.2K followers, 2683 engagements

"Trump says the US is in a trade war with China"
X Link @FinPlanKaluAja1 2025-10-16T12:03Z 336.2K followers, 7975 engagements

"How do we know its a gratuity payment or final payment Do they have a Contributory Pension Scheme"
X Link @FinPlanKaluAja1 2025-10-16T13:32Z 336.2K followers, 31.1K engagements

"Trump says India has agreed to stop buying Russian oil within a short period of time India is currently buying $52.7b India has not confirmed"
X Link @FinPlanKaluAja1 2025-10-16T16:20Z 336.2K followers, 9036 engagements

"The largest ever infrastructure contract in the history of Nigeria should be a template for due process Sadly this coastal road has become an euphemism for disregard of fiscal and environmental responsibility This reminds me of what happened under the last CBN Governor when he challenged citizens to come and fight me. Today the past CBN Governor carries an imported Bible seeking penance from God. Selah"
X Link @FinPlanKaluAja1 2025-10-16T18:18Z 336.2K followers, 36.9K engagements

"Now Putin wants to talk peace and requests a meeting in Budapest Did the Indian announcement that they would reduce Russian oil purchases play any role"
X Link @FinPlanKaluAja1 2025-10-16T19:30Z 336.2K followers, 17.3K engagements

"@thisleke 😂 go on"
X Link @FinPlanKaluAja1 2025-10-16T19:48Z 336.2K followers, 1438 engagements

"How can President pardon and lawyers review Is the review not supposed to happen before a list is sent to the President"
X Link @FinPlanKaluAja1 2025-10-16T19:51Z 336.2K followers, 157.9K engagements

"US posts budget surplus for September 2025"
X Link @FinPlanKaluAja1 2025-10-16T19:55Z 336.2K followers, 6539 engagements

"More Americans are getting richer"
X Link @FinPlanKaluAja1 2025-10-17T09:11Z 336.2K followers, 6730 engagements

"With the rebased 2019 GDP base year Nigeria's GDP was recalculated to about $XXX billion in 2014 putting Nigeria among the XX largest economies on earth So Vision XX by 2020 was achieved Today What's the vision $X by 2030 no seems out of reach the maths is too steep"
X Link @FinPlanKaluAja1 2025-10-17T14:17Z 336.2K followers, 26.7K engagements

"Ok The point we are to take from this is"
X Link @FinPlanKaluAja1 2025-10-17T16:47Z 336.2K followers, 31.1K engagements

"I want to be very clear I am NOT speaking about this church the pastor or the parishioners Any organisation that can build this edifice can build schools and hospitals of a similar scale. Even farms and refineries Solomon built a magnificent temple to Jehovah but under Solomon the economy of Israel was so strong and prosperous that silver was practically as common as stones I stop here"
X Link @FinPlanKaluAja1 2025-10-17T16:54Z 336.2K followers, 1.2M engagements

"Good The Argentine reforms must be sustained"
X Link @FinPlanKaluAja1 2025-10-17T19:48Z 336.2K followers, 19.2K engagements

"If I talk now. 😇"
X Link @FinPlanKaluAja1 2025-10-17T19:53Z 336.2K followers, 32.3K engagements

"He is half Nigerian Trump's in-law"
X Link @FinPlanKaluAja1 2025-10-17T19:56Z 336.2K followers, 30.7K engagements

"policemen are lobbying to be posted to Anambra and SE during the Christmas"
X Link @FinPlanKaluAja1 2025-10-17T19:59Z 336.2K followers, 110.2K engagements

"Saudi Arabia has a defence pact with Pakistan now seeks one with the US Saudi Arabia in talks with US for defence pact FT reports"
X Link @FinPlanKaluAja1 2025-10-17T22:23Z 336.2K followers, 7139 engagements

"Interesting chart Richer America have more liquid assets own business and less housing. They are liquid"
X Link @FinPlanKaluAja1 2025-10-18T08:35Z 336.2K followers, 4798 engagements

"@OmoOgunmodede Why do you bother You don't like Igbos you are a tribal bigot why not stay in your lane and hate there Why are you in this Cs Please do your token abuse and leave don't return find your coven of bigots and dwell in peace"
X Link @FinPlanKaluAja1 2025-10-18T14:45Z 336.2K followers, 3584 engagements

"When I was in Primary school I read Aesop's Fables. There was one about the Fox and sour grapes very educative"
X Link @FinPlanKaluAja1 2025-10-18T14:54Z 336.2K followers, 29.2K engagements

"Greed is good It's greed that makes investors build more Airbnb properties for the busy December season. The end is that there are more apartments and prices fall Capitalism cures itself Without greed or capitalism there will be no investment. From independence to today the Federal State and local governments across Nigeria have built less than X million homes. That's why there is scarcity. Take the roses with the thorns"
X Link @FinPlanKaluAja1 2025-10-18T17:41Z 336.2K followers, 10.1K engagements

"If Nigerians give billions to churches and zero to the government it's simply because they trust the churches more than the government So should the government give the religious organisation targets on infrastructure and HDI and then ask that the people pay taxes to the religious organisations Discuss"
X Link @FinPlanKaluAja1 2025-10-18T17:55Z 336.2K followers, 21.9K engagements

"The Danger of a Single Story The very first time I heard of the Chibok girls being kidnapped was in a church in America. I heard it the day it happened. The point is that the pastor in that church in Washington also heard it from someone who was watching Nigeria. I assumed it was an error that the pastor meant to say Niger but said Nigeria. Ithen googled and read that indeed it was Nigeria. I also read with relief that the girl had been rescued. I told my Oyibo friends and they were relieved. We later found out the girl had not been found and a hashtag was born Nigeria can't play fast and"
X Link @FinPlanKaluAja1 2025-10-18T20:59Z 336.2K followers, 29.4K engagements

"Great job to all that made this happen Vision 2020:20 was successful Take your flowers"
X Link @FinPlanKaluAja1 2025-10-17T19:51Z 336.2K followers, 27.6K engagements

"This is why Trump wants Greenland "Greenlands Kringlerne and Kvanefjeld deposits hold some of the largest known rare earth reserves in the world enough to supply global demand for decades.""
X Link @FinPlanKaluAja1 2025-10-19T08:39Z 336.2K followers, 7234 engagements

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