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# ![@FinPlanKaluAja1 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1160599200284860416.png) @FinPlanKaluAja1 Kalu Aja

Kalu Aja posts on X about nigeria, money, investment, china the most. They currently have XXXXXXX followers and 1743 posts still getting attention that total XXXXXXX engagements in the last XX hours.

### Engagements: XXXXXXX [#](/creator/twitter::1160599200284860416/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1160599200284860416/c:line/m:interactions.svg)

- X Week XXXXXXXXX -XX%
- X Month XXXXXXXXXX +34%
- X Months XXXXXXXXXX -XX%
- X Year XXXXXXXXXXX -XX%

### Mentions: XXX [#](/creator/twitter::1160599200284860416/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1160599200284860416/c:line/m:posts_active.svg)

- X Week XXX -XXXX%
- X Month XXX +18%
- X Months XXXXX -XX%
- X Year XXXXX +25%

### Followers: XXXXXXX [#](/creator/twitter::1160599200284860416/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1160599200284860416/c:line/m:followers.svg)

- X Week XXXXXXX -XXXX%
- X Month XXXXXXX +3%
- X Months XXXXXXX +9.70%
- X Year XXXXXXX +16%

### CreatorRank: XXXXXX [#](/creator/twitter::1160599200284860416/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1160599200284860416/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1160599200284860416/influence)
---

**Social category influence**
[countries](/list/countries)  #3144 [finance](/list/finance)  #3730 [stocks](/list/stocks)  XXXX% [travel destinations](/list/travel-destinations)  XXXX% [exchanges](/list/exchanges)  XXXX% [automotive brands](/list/automotive-brands)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX% [technology brands](/list/technology-brands)  XXXX% [currencies](/list/currencies)  XXXX% [social networks](/list/social-networks)  XXXX%

**Social topic influence**
[nigeria](/topic/nigeria) #109, [money](/topic/money) 0.34%, [investment](/topic/investment) #2198, [china](/topic/china) 0.29%, [inflation](/topic/inflation) #1279, [build a](/topic/build-a) #361, [aja](/topic/aja) #6, [currency](/topic/currency) #136, [rates](/topic/rates) #899, [south africa](/topic/south-africa) #1885

**Top accounts mentioned or mentioned by**
[@akogunfirst](/creator/undefined) [@grok](/creator/undefined) [@timosilver](/creator/undefined) [@amanwifname](/creator/undefined) [@osasuo](/creator/undefined) [@vipnwosu](/creator/undefined) [@aaprom042](/creator/undefined) [@koyaadesanya](/creator/undefined) [@kcdozzybenjamin](/creator/undefined) [@fkeyamo](/creator/undefined) [@mickeywestside](/creator/undefined) [@theintelpoint](/creator/undefined) [@solarthing](/creator/undefined) [@oluwakayod25427](/creator/undefined) [@teflony](/creator/undefined) [@masterbolaji](/creator/undefined) [@aswad_alchemist](/creator/undefined) [@ashotbyosayande](/creator/undefined) [@olumidecapital](/creator/undefined) [@mikaelcbernard](/creator/undefined)

**Top assets mentioned**
[Alphabet Inc Class A (GOOGL)](/topic/$googl)
### Top Social Posts [#](/creator/twitter::1160599200284860416/posts)
---
Top posts by engagements in the last XX hours

"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, 17.7K 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, 188K 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


"@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


"Want Turkish citizenship X. Acquire $400000 worth of real estate X. Deposit at least $500000 into a Turkish bank account X. Create jobs for at least XX people as attested by the Ministry of Family Labour and Social Services Nigeria should think about selling passports as well"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977400041611657555) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-12T15:44Z 336.2K followers, 61.4K 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, 2051 engagements


"@jigslionheart so higher inflation and ten lanes= N4b lower inflation and six lanes= N7.5b"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978059116653199598) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T11:23Z 336.3K followers, 7532 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


"@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


"@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, 9133 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, 36.8K 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, 30.9K 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, 42.4K engagements


"IMF raises growth outlook for the globe Source: Reuters"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978204254004539875) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T21:00Z 336.2K followers, 2880 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, 2679 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


"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, 486.3K 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, 157.2K 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


"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


"Trump and Xi to meet Markets reverse losses"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978159548675371495) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T18:02Z 336.3K followers, 9234 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


"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


"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


""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


"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


"@BenUwaifo Hence East West road"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976341590986850337) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-09T17:38Z 336.2K followers, 2843 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


"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


"@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


"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, 7849 engagements


"Can't stop laughing 😂"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978689041114554682) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T05:06Z 336.1K followers, 4441 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, 136.4K 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


"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


"@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, 19.2K engagements


"The Israelis and Palestinians look alike I hear they are cousins The Russians & Ukrainians also look alike The English and Scots Germans and English Indians and Pakistanis Even in Sudan these are blood brothers Selah"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977807494929092979) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T18:43Z 336.2K followers, 16.2K 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


"Free Business registration offer from the Corporate Affairs Commission Please share with your contact First step in business formalisation with tax benefits"  
[X Link](https://x.com/FinPlanKaluAja1/status/1974939696829763978) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-05T20:48Z 336.2K followers, 28.8K 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


"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, 72.8K 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


"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


"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


"If I talk now. 😇"  
[X Link](https://x.com/FinPlanKaluAja1/status/1979274707884282163) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-17T19:53Z 336.2K followers, 31.4K 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, 45.2K 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, 23.9K 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


"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


"All new refineries in Nigeria have been built near oil deposits or ports This is what I learned in commerce in secondary school Because you asked I got an A1 in commerce"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977796242374856760) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T17:59Z 336.3K followers, 17.3K 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, 29.5K 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, 139.3K 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, 15.3K engagements


"The US offers education grants and loans to most students and parents. You can deduct student loan interest on your taxes. Now you can direct employer 401k contributions toward paying off your student loans. If Nigeria adopted this policy: X. Students would access education grants and loans. X. Student loan interest would be tax-deductible like rent. X. XX% of employer RSA contributions could be directed to pay off educational loan balances. Worth copying @NELFUND"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975545409595683196) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T12:55Z 336.3K followers, 8442 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


"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 336.1K followers, 22.7K 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


"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


"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


"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 336.1K followers, 217.3K 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, 31.8K 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


"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, 17.2K 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, 4311 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, 6654 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


"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 336.1K followers, 585K 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


"Arsenal FC is trolling Llanelli Town as they are playing in the Champions League Arsenal FC should be competing with Barcelona FC and Bayern Munich Not Llanelli Town But you will argue"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975054628543967251) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-06T04:24Z 336.2K followers, 5527 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


"Oil output can't fall and the Naira strengthen Clearly Nigeria is plugging the fiscal holes with FPI The real question is why oil output is falling"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977798889739813124) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T18:09Z 336.2K followers, 32.2K engagements


"There was no bidding for the Calabar Coastal road that's why no BOQ/BEME The largest ever infrastructure project in the history of Nigeria had no BOQ/BEME or even EIA before construction started. That's why the minister can't give a per-kilometre cost he can't. Was this deliberate See the relevant sections below. Section XX of the Bureau of Public Procurement (BPP). Mandates that procurement entities (e.g. Ministries of Works and Housing) prepare detailed tender documents including technical specifications and bills of quantities for works contracts. For infrastructure such as roads this"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976178634558930976) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-09T06:51Z 336.2K followers, 56.3K 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, 4493 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


"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


"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 336.3K followers, 5983 engagements


"When i was studying Ajaokuta i came across a report that the military guys midway into the build simply added more capacity to Ajaokota's output No studies No budget impact analysis They just added it. Same way the President simply added 100km to a road he had told lenders was 700km and obtained a loan. How do you just add 100km Then you want Minister to give you cost per kilometer"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975867782207324592) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-08T10:16Z 336.2K followers, 22.1K 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, 24.9K 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, 1535 engagements


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


"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


"You are taxed on INCOME not INFLOW Income is Turnover less expenses used to generate that income X. So if Dangote send your company N1m to supply peppered chicken and you buy chicken and pepper for N950000. What corporate tax does your company pay Turnover = N1000000 Expenses = N950000 Income subject to tax = N50000 X. So if Dangote send you N1m to supply peppered chicken and you buy chicken and pepper for N1000000. What corporate tax does your company pay Turnover = N1000000 Expenses =N1000000 Income subject to tax = N0 Any questions"  
[X Link](https://x.com/FinPlanKaluAja1/status/1976724275760701821) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-10T18:59Z 336.2K followers, 48.3K 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, 6477 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


"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


"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, 388.9K 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, 15.8K engagements


"Tommorow on the space is Investment Savings and debt open house Bring your questions and we learn together"  
[X Link](https://x.com/FinPlanKaluAja1/status/1974561831802056956) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-04T19:46Z 336.2K followers, 6293 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


"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, 32.9K 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, 43.6K 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, 58.7K 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, 49.6K 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


"What is the President of Nigeria looking at in St Lucia The GDP of St Lucia is about $XXX billion and the GDP of Ekiti State is $XXX billion. To compare the GDP of Togo is $9.1b whilst Benin is $19b The economy of St Lucia is based on tourism and bananas. That's it. Oh there is an oil transhipment facility on the island. Let's assume Nigeria accounts for XXX% of the import trade to St Lucia following the President's visit which will amount to less than $600m for 187850 people. St Lucia does not even offer visa-free entry to Nigerians unlike Barbados Dominica and Haiti. Saint Kitts and Nevis"  
[X Link](https://x.com/FinPlanKaluAja1/status/1939776201658441989) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-06-30T20:01Z 336.2K followers, 368.9K 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


"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, 47.8K engagements


"Abia July 2025 FAAC distribution per Local Governments Please hold your LGA Chairmen to task. Lowest Allocation here is N419.77m"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975862808509075631) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-08T09:56Z 336.2K followers, 27.9K 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, 1810 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


"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


"@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 336.1K followers, XXX 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, 7963 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


"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


"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, 9018 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, 8603 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


"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, 2463 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


"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


"One significant benefit of peace in Gaza is that the world will now focus on the other children starving in Sudan Yemen and Afghanistan"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975202427189199179) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-06T14:12Z 336.3K followers, 4373 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


"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, 57.8K 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, 7041 engagements


"@ebenezer_uwaeme yes"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978740411142156384) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T08:30Z 336.2K followers, 13.7K 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


"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, 9483 engagements


"I don't know if N7b per kilometre is a lot because it's all relative It sounds like a lot but engineers know better. The drama to provide this number was unnecessary"  
[X Link](https://x.com/FinPlanKaluAja1/status/1977788278310121604) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-13T17:27Z 336.2K followers, 23.6K 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


"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


"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


"@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


"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, 946.7K 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


"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, 91.3K 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


"This is an excellent dashboard on the new Tax reform"  
[X Link](https://x.com/FinPlanKaluAja1/status/1975586206986514886) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-07T15:37Z 336.2K followers, 137.3K 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, 320.9K engagements


"I love Mondays Gonna be a great week"  
[X Link](https://x.com/FinPlanKaluAja1/status/1959827155766145121) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-08-25T03:56Z 336.3K followers, 8394 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 336.1K followers, 3022 engagements


"Comprehension"  
[X Link](https://x.com/FinPlanKaluAja1/status/1968688310450012609) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-18T14:47Z 336.2K followers, 6246 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


"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


"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


"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, 6686 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


"South African football shows the power of organization Talent without organization is good but organization with talent will always win You can't buy talent but you can buy organisation"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978224766742925632) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T22:21Z 336.3K followers, 6684 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, 14.4K 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


"@pilot_hafidh Both"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978423027881664664) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-15T11:29Z 336.3K followers, XX engagements


"Lots of good book recommendations here"  
[X Link](https://x.com/FinPlanKaluAja1/status/1972320261119910072) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-09-28T15:19Z 336.1K followers, 29.4K 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


"The Nigerian business environment didn't anticipate what Dangote did or will do with this refinery by placing it inside Nigeria. It's obvious from the responses I'm reading. There has never been anything like this refinery or any investment in Nigeria; it's so large that it has distorted not just the market it plays in but many other ecosystems. It's like someone coming into Lagos today and building five million one- and two-bedroom flats then saying rents can be paid monthly. What happens to the "landlord lobby" What happens to rents in Lagos Once you visualize that you'll see where this is"  
[X Link](https://x.com/FinPlanKaluAja1/status/1973685912329715763) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-02T09:46Z 336.3K followers, 176K engagements


"The IMF raised the outlook for the global economy based on the modest trade impact in the US It's not a Nigeria or Tinubu issue but a US issue See receipts here"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978159154016465220) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-14T18:01Z 336.3K followers, 23K engagements


"@thisleke 😂 go on"  
[X Link](https://x.com/FinPlanKaluAja1/status/1978910941027643565) [@FinPlanKaluAja1](/creator/x/FinPlanKaluAja1) 2025-10-16T19:48Z 336.2K followers, 1390 engagements