Kalu Aja Profile picture
Apr 9, 2023 9 tweets 3 min read Read on X
The term sacrifice is a universal concept.

Anyone that does a sacrifice gets a reward. Note Anyone.

For instance, you sacrifice eating sweets or cholesterol-filled tasty fries to gain a healthy lifestyle

#ChurchofMoney
The law of sacrifice is also progressive, the more you sacrifice, the more you get.

Messi sacrificed his youthful years kicking a football around, he got better, now he is a world champion.

Same with doctors, they sacrifice partying to read, then get a "Dr." and earn big bucks
Sacrifice is universal, it works on good and bad

In 2 Kings 3 vs 27, we read about a King of Moab who was about to be overrun and defeated in battle, he takes that which is dearest to him, his oldest son, and sacrifices him, the Israelites withdrew from the battle.
Easter sees another sacrifice. Jesus, God's own son is sacrificed on the cross. He dies, and He rises. He gains followers

One Man dying on Golgota returns 2.2b followers, that's a 219,999,999,900% return on "sowed capital"

Probably the highest return on any investment ever! Image
Thus we have two principles

1. If you sacrifice something dear to you, your time for instance, you gain something of greater value.

2. The more you sacrifice, the greater your odds of victory.

#ChurchofMoney
If I sacrifice my current consumption by sowing (investing) my income, I gain a return, all things being equal.

I however must sow in fertile fields, without thorns, then water my field continuously to get a return. (another sermon)
The more I sacrifice my free time to work, the more I earn.

The more I earn, The more I can sow.

The more I sacrifice consumption to get more seeds to sow, the more I can reap in future.

Work (earn) does not make me rich, the returns from my sacrificial sowing makes me rich Image
This means that debt, which is frontloaded consumption or the opposite of sowing and reaping is a worry.

The Aramic word for debt "Khoba" is also sin.

With debt, you are reaping before sowing....not bad if you turn around and invest what you reaped.
Investing needs the sacrifice current consumption.

Current income, not consumed must be sowed so it rises and gains more in the future.

But watch out for inflation, it stalks around seeking who's returns to devour.

One day we should talk about inflation.

#ChurchofMoney

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More from @FinPlanKaluAja1

Jul 26
Currency notes issued by the Nigerian Government.

Look closely, the Nigerian pound has "promise to pay on demand one pound" What does that mean? The note says One Pound already, so what is being promised?

Let's talk about money.Image
The paper you have in your wallet is Money... It's not actually "money".

Money is the gold, silver, or assets held by the Central Bank or nation that issues the currency. A Naira note is simply the Central Bank of Nigeria saying, "if you give us gold, we give you Naira" and "if you give us our Naira, we will give you back gold".Image
Same for the US Dollar.

The US Treasury is saying, "Give us gold and we give you paper ...called dollars."

So Currencies are bonds. Instead of trading with your gold, you now trade with Central Bank paper.

Again, look at the US Dollar today, there is no promise to repay your gold. HmmmImage
Read 9 tweets
Jul 22
Household Consumption in Nigeria Has Declined

The alarming drop in consumption rates in Nigeria is not discussed enough. According to a report by the Nigerian Bureau of Statistics titled "Nigerian Gross Domestic Product Report (Expenditure and Income Approach) (Q1, Q2 2024)," published in July 2025, the data reveals a troubling trend: real household consumption expenditure has been declining since Q3 of 2023. Specifically, household consumption expenditure fell by -42.28% in Q1 2024 and -61.18% in Q2 2024, reflecting lower rates compared to the same quarters in 2023. On a quarter-on-quarter basis, real household consumption expenditure decreased by 45.71% in Q1 2024 and plummeted by 99.24% in Q2 2024.

These figures are difficult to digest.Image
This sharp decline in consumption is one reason why many foreign multinationals are exiting Nigeria; Nigerians today struggle to afford anything priced in dollars, including imported PMS (Premium Motor Spirit). Image
Why Is Consumption Weak?

Consumption is weak due to stagnating wages and rising inflation. Companies are attempting to stimulate sales by repackaging 500g items into 50g sachets. This sachet economy traps consumers in a cycle of inflation, making it impossible for them to bulk buy and escape rising prices.Image
Read 8 tweets
Jun 22
Two points on Iran and the Strait of Hormuz

1. Crude oil accounts for about 85% of Iran's government revenue. Iran exports approximately 90% of its oil via the Strait of Hormuz

2. China is the largest purchaser of Iranian oil. Closing the Strait of Hormuz means China gets less oil than it needs from Iran; thus, China will go elsewhere, possibly to Russia. Not smart to lose a key export market to a swing exporter

Closing the Strait of Hormuz to 90% of your oil exports is like resigning from your high-paying job so you don't pay alimony to your ex-wifeImage
Image
Instead of typing one liners, do some research. You are seriously comparing the volume an oil tanker can carry with the volume a train can carry?

I asked Grok

“Approximately 90% of Iran’s oil exports are transported via sea. Iran produces around 3.2 million barrels per day (bpd) of crude oil, with about 2.6 million bpd exported. Of these exports, roughly 2.34 million bpd are shipped through maritime routes, primarily via the Strait of Hormuz from Persian Gulf terminals like Kharg Island. The remaining 10% (around 260,000 bpd) can potentially be exported via the Goreh-Jask pipeline to the Jask terminal on the Gulf of Oman, though actual usage of this route has been minimal, dropping to less than 70,000 bpd by September 2024 and ceasing thereafter. Non-maritime exports, such as via rail or land routes, are negligible for oil due to infrastructure limitations”
Slow down, do your research, then respond

You can't compare a ship carrying oil to a train carrying oil

“A standard oil tanker, specifically a Very Large Crude Carrier (VLCC), can carry about 2 million barrels of oil (approximately 280,000 metric tons). Other common tanker types, like Aframax or Suezmax, hold 500,000 to 1 million barrels (70,000–140,000 metric tons). Tanker sizes vary, but VLCCs are widely used for long-haul maritime oil exports, such as from Iran to China.

In contrast, a standard freight train configured for oil transport, using tank cars, can carry significantly less. A typical oil train in regions like North America or Eurasia has about 70–100 tank cars, each with a capacity of 700 barrels (100,000 liters). In the China-Iran rail corridor, trains may have fewer cars (e.g., 40–70) due to infrastructure constraints like rail gauge differences or locomotive power, translating to roughly 28,000–70,000 barrels per train.”
Read 4 tweets
Apr 19
A Financial plan is a process

You go from A, to B then C

So whats Lets review the steps
1. Have a Plan

First and foremost, it's important to define your purpose for investing or delaying consumption.

Understanding the “why” behind your decisions informs the “how” you should proceed.

For example, if you're investing or postponing consumption today in order to spend during retirement in 20 years, your investment strategy will differ significantly from if you're saving to consume next year.

Being clear about your goals will help you create an effective investment strategy
2. Now that you have a plan, the first step is to build an Emergency Fund.

An Emergency Fund is a savings account where you set aside three to six months' worth of essential expenses, such as food and rent.

The process is straightforward:

1. List all your expenses and categorize them as “essential” or “non-essential.”
2. Determine the monthly cost of the non-essential items.
3. Save this amount in your emergency fund; it should be kept in cash or near-cash.

Why is this important?

If you invest without an emergency fund and an unexpected situation arises, such as a job loss or a damaged car, you may be forced to sell your investments to cover those expenses.

An emergency fund acts as your safety net.
Read 7 tweets
Apr 9
Let's compare assets during these turbulent times.

I have picked five asset classes:

Gold, represented by GLD ETF
US Stocks, represented by VTI
US Property, represented by VNQ
Digital Assets, represented by Bitcoin BTC
US Bonds, represented by UCITS

Let's track performance for one week, one month, a Year, and Five years.
What if I bought 5 years ago?

One word, Bitcoin. It's not even close; BTC killed the competition, went to the moon and back.

It's risk on, so cash rotated from bonds to stocks and, curiously, gold.

Property posted anemic returns. Image
About a year ago?

Markets grew slightly nervous, reducing risk-taking.

Investors shifted from high-risk BTC and stocks to gold and bonds. Gold led, followed by Bitcoin.

Stocks and property lagged. Image
Read 7 tweets
Mar 17
The US Markets are on a diet.

What makes the GDP rise or fall?
.
It's a combination of spending and net exports

1. Consumptuin rises, GDP rises
2. Investment rises, GDP rises
3. Government Spending rises, GDP rises
4. More Exports than Imports, GDP RisesImage
A recession, two negative quarters, happens when consumption or investment falls.

Take the US, for example. Personal consumption (buying cars, stoves, healthcare, etc.) is about 70% of the US GDP. If there is economic uncertainty or inflation, households stop spending, which causes a fall in consumption that fuels a recession.

The US economy shrank by 0.9% between April and June 2022, meaning a recession, because the earlier quarter was also negative. The Biden team denied there was a recession. Sec Yellen said "growth is slowing"
,Image
Thus, from April 2022, the US started spending $1t in debt every quarter to compensate for the fall in private consumption.

If you remove the government spending that created most government jobs, the US economy will not be in a recession but a depression.

What Donald Trump is doing is taking out the artificial. Debt-fueled growth from the marketsImage
Read 5 tweets

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