There are only two ways to make money; you can earn it by working or you earn it by investing in people, businesses, or any other window that allows you to share profits.

Simply put, money can be earned by engaging in productive activities, and money can be used to earn more of it. Those that understand the rule combine the two —they work to earn money and send the money earned to earn more.

Money, they say, goes to where it is treated well. The only language that some fellow Nigerians understand is to spend money – God will take care of tomorrow – and they get poor per day with their lazy mentality.

Some make things happen by using money correctly. The rule is simple: No spending unless it has been budgeted for’. Most people in poverty category work to earn money. The rich category work to earn money and the amount they have don’t rest in their bank accounts.

Those that work to earn money rarely have enough to spare for savings or investment. The rich, on the other hand, have leverage advantage.

They can borrow to bet on any investment of choice as long as they have a healthy credit profile. They understand the rule of money better than those whose income is almost always equal to their spending.

To move to the other side, individuals must garnish their appetite with little risk, which means you must find something, somewhere, somehow to invest in –Stocks, Treasury Bills or Bonds or mutual funds.

At least you have set a path for your investment future, and it always gets better each day. It is often hard to start, but you have to start anyway.

Buy stock: the rule is buy low and sell higher. Consider your transport costs (brokerage fee) when selling.

Invest in mutual funds: There are a good number of investment banking firms with this financial products. Their performances vary, you may need little background check to know what they can do to your money.

You can also ask investment firms on what you stand to gain if you wish to invest in government bonds.

The last thing you should do is to keep your money in savings accounts, your bank use deposits to do business – that is your money.

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