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Introduction

I have crammed money lessons of more

than two years into this timeless piece.

Get a glass of wine, or at least imagine one,

as you dive into the first 20 minutes of the

rest of your life.

Cheers!

Bestwill.

May, 2019

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Table Of Contents

Introduction------ Pg 3

One: Saving Money Is More Important

Than Making Money------ Pg 5

Two: Setting Big Money Targets, For

Fun------ Pg 10

Three: Asking The Right Questions------ Pg

15

Four: Practical Savings & Investment

Plans------ Pg 24

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One:

Saving Money Is More

Important Than Making

Money.

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 I
n a lot of big money talk circles,

speeches are  punctuated with: "How much

do you want to make?" Or "You can make

ten million naira monthly from doing

this.." Or "I will show you how to make 1

million in two weeks" etc.

This is beautiful, but I do think there may

be something fundamentally wrong with

it. 

2017 was the year I found my 'small' break

in the online business circle. I did make

quite a lot of money in six figures,

managing pages for brands as a social

media manager & selling very valuable

information products on Facebook and

Whatsapp.  However, at December I had

nothing at hand. I was broke and my

balance read zero or almost did.  How

could that have happened?  How did it

happen? 

I wasn't even an extravagant spender.  Did

not have such lifestyle to match up with. 

But then,  that was the case. 

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Till today, it still remains a mystery to me

where all that funds went.  The Bible says

"Money has wings.. ". Couldn't be truer! 

So as much as we set baits in place to

attract money,  we must also set traps and

clips in place to hold it in when it does

come. 

I learnt from the 2017 experience and set a

financial(savings) goal for 2018 that I

almost hit (It was 100k short).

Basically, we must rank money goals based

on how much is saved,  not on how much

is earned. Money spent has no value.  It is

gone.  It makes no sense to say,  "I made

200million in 2019" when at the end of the

year,  your account barely reads 1 million. 

In securing wealth,  we should 'boast' and

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revel in how much we have been able to

save (for investments)  rather than how

much we have made. 

Philip: In 2018, I made averagely N200,000

net profit from my business monthly.  I

saved N20,000 monthly.

Lade: In 2018, I made N105,000 net profit

monthly from my Bags business. I saved

N45,000 monthly.  

At the end of 2018, Philip had N240,000.

Lade had N540,000.

Now who has a better game between both!? 

If Lade does this again in 2019, she will be

able to secure a land in Ibeju Lekki or put

two commercial tricycles on the road that

triples or quadruples the capital in a year.

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Wealth is not measured by how much we

live by. It is measured by how much we

have accumulated somewhere, asides what

we live by.

Discredit the "how much you make"

pressure, and focus on the "how much you

save" concept.

When you set money goals, let it be "how

much you want to save".

Here's what I mean:

"In January 2020, I want to save N85,000. I

can live on N50,000. So, I need to make

N135,000"

Let your savings goal determine your

earning goal!

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Two:

Setting Big Money

Targets, For Fun

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 In June 2019, I plan to save double the

usual. Lol. Now, that's a big stretch for me.

But don't give me that stare. I'm having fun

here.

If I miss it, I could be close, and that's still a

win! No pressures. There's no boss putting

fire under my seat. There's no woman

telling me to do that or else she will leave

me for another man. Just me.. Making

financial growth look like a fun game of

cards with me on both sides of the table.

Yes. Money is best made with less pressure.

And even if you have a lot of hands of

responsibilities stretched at you, you can

still increase your financial projections,

and then deal with less pressure.

Years ago, I learnt from a then mentor to

think and talk big. He said doing that had

no consequences. And sure it doesn't! 

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All it does is expand your mind, and

shrinks your Impossibility List. I don't

think that's a consequence.

Set a good financial goal for next month.

(Financial goal based on the previous

chapter's definition) One that isn't too

comfortable.. And of course not

unreasonably uncomfortable.

Wait.. What's your fear?

You won't hit it?

So what.. Who would know?

You would be happy you even dared to try,

considering the many others who wouldn't

even mention that amount as their total

earnings.. Then simply pack up and try

again the next month, until you hit it.

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This is the worst case scenario.

Want to know the best case scenario?

You will hit it, and be so excited, motivated

and happy with yourself.

Or you will get close.. And still be excited

you hit that close.

Isn't this a Win-Win scenario?

See this whole money thing as a

simple game of trying to increase and

multiply numbers. Rid off the pressures

poking your belly, and just enjoy this

single player game of cards.

Set targets, and meet them or nearly do.

Even C. Ronaldo, the GOAT( My book.

When you write you book, use Messi for

your

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illustration.. Lol) will not score in a match

without goalposts.

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Three:

Asking The Right

Questions

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I know this isn't a 'relationship' book, but

there are 5 friends you should keep in life

and never let go no matter what. You

should keep them closer than your spouse.

Don't worry. They won't destroy your

marriage.

These friends will be part of every success

you will ever have. Actually they have been

part of all the successes you've ever had.

You just probably did not identify them.

They are:

What

Why

Who

How

When

Did you expect me to mention human

names?

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Boy.. I'm no prophet. Just an entrepreneur.

Asking these questions and fiercely

seeking answers is how you will achieve

every and any feat in this life. You will

think I'm bluffing until I break it down.

Okay.. It's July 2019, and your business is

just there as usual. Then suddenly, as if

suddenly possessed, you desire more money

and really want to do something about it.

Do not get worked up, anxious or even

moody as you normally do. Those friends

don't help. They are toxic. You should cut

them off.

Call these 5 friends instead. Tell them to

stand in a single file. Hold a piece of paper

like those exam hall invigilators and begin

to call their names one after the other.

Start with WHAT and WHEN

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What do you want? 

More money(Not specific)

What amount of money do you want to

save & when? 

August to December is 5 months. I want to

have N200,000 saved up at the end of the

year. That's N40,000 monthly.

What amount of money can you survive

with monthly?

N50,000 can keep me monthly.

So.. In summary, what amount of money do

you want to make monthly?

N90,000.

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WHAT: N200,000 at the end of the

year. N90,000 monthly. 

WHEN: August to December.

Get to WHY

Why do you want to save up this amount

of money monthly?

(Well the answer is obvious..) To build

wealth. 

WHY: To save up enough to invest in

systems that bring tangible returns, so I can

get to a point where I do not have to hustle

to survive anymore.

(You know your WHY)

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WHO: (Not so relevant in this case cos the

answer is obvious. Lol)

The leader of the pack is HOW.

As you call him forth as the last in the line,

there is a spring in his step. The main guy!

HOW.

It's simple but not easy.

Here's an example:

I make cakes for weddings. I charge

about 20k per wedding, because I'm not yet

so confident. But I do great. The reviews

are amazing. I get about two to three

bookings monthly. That's N40,000 or

N60,000 gross profits. My net profit is

N30,000 or N50,000 monthly.

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I will step up. I will keep my price at 30k

and focus on getting a job every week.

So every week, beginning Monday, I will

chat up friends on Whatsapp and post on

my status for friends to send contacts of

people they know, who are wedding within

the period.

Then I will chat them up and discuss about

handling their cakes. I will dedicate hours

to doing this daily.

I will try this for a month.

If I get 4 jobs(a job every week), I will earn

120k and meet my financial goal easily.

If I get 3, I will earn 90k and still be close to

my goal after subtracting running costs.

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Your HOW is the lifeline of the entire plan.

It requires more words. More expressions.

More brainwork. 

You may need to keep a glass of wine

within reach, sit outdoor and just think

and pen down.

Or

You could employ the services of a

strategist.

If your budget is low, avoid the ones with

50k followers on Instagram and stick with

the low budget ones. Some could charge

10k or even way less. Some could do it free

even. Juice you up with direct strategies,

that answers your HOW.

Once this is done, you are ready to go!

Most people just do not ask these questions.

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And you cannot find answers if you do not

ask questions.

So.. Call your 5 friends today!

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Four:

Practical Savings &

Investment Plans

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 As your year or month begins, ensure

your savings goal is intact. 

How much do you want to be sitting in

your savings at the end of the year?

1 million naira.

Great! How much would you need to save

monthly to realise that?

N83,400 monthly.

Dig in!

How much do you want in your possession

at the end of the year?

N400,000

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Good! How much would you need to save

monthly to realise that?

N33,400

Achievable? Yes!

There are hundreds of other plans. You can

calculate them yourself, with the

calculator app in your device.

To avoid temptation to touch the money

sometime during the period, safelock it

with a platform like pig gyvest.ng (that's

what I use)

Or you can use Alat By Wema . 

They have options that let you save with

just a tap and that doesn't let you access the

funds till the agreed date. They also pay

interests.

You can also just use your bank fixed

deposit.

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Why do you save?

Saving is not an end in itself. It's a means to

an end.

Hardly will you get wealthy by saving, and

even if you do, it will be a tough break for

you.

Imagine having a plan to save 1 million

yearly. It will take you 50 years to make 50

million. And by then, inflation and

currency devaluation may have rendered

the money useless.

How about the 400k yearly plan. It will

take you 20 years to make 8 million. Lol.

No.. Savings is not an end. 

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We save to have money for investment.

Investment is the 'everlasting' goldmine.

It's multiplying instead of adding.

Savings is adding. Investment is

multiplying.

500+500 is 1000

500 × 10 is 5000

500 × 500 is 250,000

So.. We gather our money till we can hit

something substantial. Then we put it into

investments that yield returns.

It is making money work for you. And

that's the highest point in the ladder of

wealth.

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You can have money by working.

But you cannot be wealthy without

investments.

We use money to buy wealth.

Wealth and money are not mates. Lol.

Wealth is a support system that outlives a

generation. A legacy kind of thing.

With 450-600k, you can invest in a tricycle

business by buying one. You can give it to

someone who then balances you 15k -20k

weekly. Calculate that for a year.

With 1 million naira, you can get a small

plot of land. The value will double in a

year or two. You then sell and do it again.

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I'm Bestwill Johnny

I finished from the University of Benin in

2015 and set off for the sweet

entrepreneurial ride I had always looked

forward to.

Meeting several frustrating bumps along

the line like: not being able to get a capital

of N20,000 for my mobile bookshop idea;

sharing flyers under the sun and not

getting any client for my home lesson

service; starting a magazine publishing

team and breaking up after a few months

of just cheap talk and no substantial plan;

I finally found my big break on social

media.

Now I spend my time managing social

media pages for brands, writing and

speaking to inspire and give clarity to

entrepreneurs, and watching Nickelodeon.

I have been doing this since the last quarter

of 2016. I have managed over 40 brands on

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social media, and helped over 500

entrepreneurs find clarity.

Contact: 2347039143470

Instagram: @bestwilljohnny

Facebook: johnny.best3

Email: hellobestwill@gmail.com

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