CAN YOUR SALARY SAVE YOU FOR THE NEXT SIX MONTHS||DR OLUMIDE EMMANUEL

Added: 2026-05-09

[00:00:01]Muscular prospect you do law your salary is 17,000 you want to buy smartphone dumb one is enough your income is not smart enough for that phone hello now let's even ask a question the smartphone you have how much income have you made with it who is calling you nobody even have your number nobody's calling you are the one calling people hello how are you you remember Yeah. Yeah. We're no woman together now.

[00:00:33]Yeah. Yeah. Two. And this my number.

[00:00:35]Save it.

[00:00:38]Nobody is calling you. You are the one calling people. Calling people. You are in the You are in the bedroom. Your wife is in the kitchen. Honey Alpha is the ready. That's all you are doing. You are using phone for intercom.

[00:00:53]Look, you may laugh, but you know I'm saying the truth. Who did this to you?

[00:01:00]Stay within your level.

[00:01:03]Don't rush. You will get there. Hello.

[00:01:09]Spend less than you earn. You should actually spend between 50 to 70% of your income.

[00:01:15]Because every money you make, 30% of that money does not belong to you. 30% does not belong to you. 10% is your tithe or charity or sadakat or what do you call it my sister?

[00:01:29]Yeah. Yes. 10% even Islam so that you notice this pastor Islam is a law of life. It's not about religion. Giving is living. Hello.

[00:01:44]20% is not your own. It belongs to your future. That's part of the future payment you have collected. Be saving it. 20% is your future. Be releasing the future. Future future.

[00:01:55]Next. Number 13.

[00:01:56]Do you have a household budget and are you successful at managing it?

[00:02:02]Do you have a household budget? Me I've done family meeting last week. We have planned the whole year 2024.

[00:02:09]So this this one how much is this one?

[00:02:12]How much this one offering every Sunday club 50 partner everything has been planned.

[00:02:18]And so this one when I finish my wife she's listening now. She said sorry I have a question. all this money now where will the money come from that every year you you see is it that there's a you just I want to understand how your mind works that's the question my wife was asking me that because you just said this one this one this one and I know that I said no that that is what is called a plan >> he said because is it that you know I said that you said because is it faith I said faith goes with a plan >> faith does not deny fact so if I put it there that okay every month we'll do this we'll do God now knows that this our plan. Then our hearts will capture it. Our faith will expect it and the universe will make it happen. So household budget. What's your budget?

[00:03:10]Even my 10 year old boy knows what is budget.

[00:03:14]Hello. Because it's something we do in our family. The everybody knows and he knows that we are not poor. He knows.

[00:03:23]But he also knows that the money is available does not mean he must be spent. So he will ask said that is that in the budget. So when a 10-year-old boy is asking is that in the say no it's not in the budget. That's the end of discussion. There's nothing like daddy now mommy now daddy all those your children are now operating witchcraft against you.

[00:03:47]You will now spend the money and their school fees will come. You cannot pay.

[00:03:50]Which one is better?

[00:03:52]to deprive them of what they don't need and to take care of what they need or to give them sweet and ice cream and when school fe you not tell them to pray my son thank God to bring money for your school fees you know God answer the prayer of the life you know God answer prayer of little children oh yeah repeat after me that's what you are now talking prayer for school fees number 14 do you avoid major credit purchases Now do you know that many of you you look good but is a tormentor.

[00:04:32]Do you know that even with wig they borrow now?

[00:04:39]Yeah wig borrow. There are people that borrow wig not return. They had to call them out on social media. They tell her to return the wish she used. She did not return it. Oh. So when you see people now, they didn't borrow money to buy lando but they borrow money to buy canvas.

[00:04:59]They borrow money to buy wig thinking that the wig will now produce you know small girl or big god. Sllay queen. And now believing that you can just hook one rich man online with your fake profile.

[00:05:16]So, do you avoid major credit purchases?

[00:05:19]If you buy tomorrow's clothes today, you'll be naked tomorrow. If you eat tomorrow's food today, you'll be hungry tomorrow. So, credit, credit, credit. No, think of it.

[00:05:31]How do you wear a cloth you have not finished paying for? And fear no catch you, you know, shame. Shame no catch you. You wear them.

[00:05:40]Eh, you say, "Ah, sir, you don't understand. is my best friend that is getting married. All our old school and all this old schoolmates thing that you people do old school association online that they will now be putting you under.

[00:05:53]That's a old school 50,000 50k and your salary is 75 in share something is wrong with you. Now you now buy the cloth, you wear it once, three months later the marriage is over.

[00:06:08]The cloth is even older than the marriage.

[00:06:13]They will now start sending on the WhatsApp group. Let's help our brother.

[00:06:17]Nobody should wear the cloth again so that we will not remind him of our go break in 3 months. I'm sure we have not finished the 50k. I go wear them. No, but these are the things happening now.

[00:06:31]Even the cloth is older than the marriage.

[00:06:35]You say, "No, let's not do that.

[00:06:40]Let's keep it private." There's no private. Oh, when you did your wedding, you invited us publicly. We >> We have not even finished paying for the club.

[00:06:51]The brother said, "We have not even finished paying for the club. We pay once more." When we are still paying he collected 50 paid 10 20 marriage is over.

[00:07:10]Next.

[00:07:12]Do you take advantage of all the savings and investment opportunity that come your way?

[00:07:18]You see the word poor P O R is an acronym for passing over opportunities repeatedly.

[00:07:29]So there are many opportunities that come.

[00:07:33]Do you take advantage of them? The only one you do is the one that is a fraud.

[00:07:37]Bring 10,000, collect 50,000.

[00:07:41]But because you are a greedy covetous person, you are a victim. Listen to me.

[00:07:47]The same way there are irresponsible schemes and irresponsible organization, there are also irresponsible investors.

[00:07:57]So many of you that say you lost money, you are just greedy and covetous. Stop blaming people that they dup you. You are a greedy person. You want to bring 10,000 and be collecting 50,000 per month. If he easy, why your papa poor?

[00:08:11]If that's so easy, why are there still poor people in the world? And then the funniest thing about you if you don't know something is wrong with you is that the person introducing you to that scheme has not spoken to you for 5 months until the scheme came you now say ah my brother you know we are together you know you are my G this now I have to let you know because I care about you when you begin care you care if they care it is their father mother sister that they will do it with not Hello.

[00:08:46]So benefit of it I have lost money. You know the truth. You know that somewhere inside you that thing you call something say something told me not to do to you because you are covetous. You want to get something for nothing. Next.

[00:09:01]Do you have any investment that helps to reduce your taxable income?

[00:09:06]Many of you don't even know that being an entrepreneur saves you from a lot of taxes.

[00:09:14]You are able to avoid a lot of taxes.

[00:09:16]Listen, in Nigeria now, if you are a company, until you make 25 million, you don't even pay tax. Many of you don't know that in Nigeria, until you make 25 million naira as an income in a year, your company is not taxable. That is part of what the last administration did. Many of you don't know the good news.

[00:09:37]Hello policy of three years ago, four years ago since time. So many of you are not aware you see but you are a salary earner as inside that your salary before they give you the salary they don't remove tax now the remaining go enter your hand you now be argued should I pay tight on gross or pay tight on net hello so to pay tight on net is gross misconduct let's move on because of time do you diversify your investment or all Your egg is in one basket.

[00:10:17]Now, please listen to this so that you can balance it up. When they say don't put all your egg in one basket, be careful because see capitalists have a way of coining phrases that programs your mind. When they say don't put all your eggs in one basket, look at what they said, all your eggs.

[00:10:40]So they attribute egg to you but basket to somebody else.

[00:10:46]So they program your mind to think of egg egg egg. So don't put all your egg in one basket is middle class and poverty thinking. The real wealth thinking is create baskets.

[00:11:03]When you are the owner of basket everybody will bring their >> that's how dangote became rich.

[00:11:11]Dangote sugar, dang salt, dang. All of you, what did you do? You bought, you bought, you bought. You brought your small small egg into somebody's basket and they carry the basket.

[00:11:22]Hello.

[00:11:24]Look, let me tell you something. True life stories. You know transcore now transcore. How much of you know transcore? Transcore. If you know how much if you invested 2 million in transcore few month ago by now you have 10 million transport everybody. I don't know if you remember when transcore came they did private placement then 1.2 million.

[00:11:50]All of us that bought at 1.2 by the time they came public it was 5 naira.

[00:11:57]So 1.2 became 5 million. We cashed out at 5 million. 55 5 NRA. All the people that bought at 55 NRA, they all lost their money because after the team became 5 NRA, all the people that brought 1.2 collected for 5 million could follow.

[00:12:14]Oh, maybe is this too heavy for you?

[00:12:16]Maybe this one should be high level of high level. This this is a free seminar.

[00:12:19]Are you sure you're getting it?

[00:12:22]But it became they now create a a room for somebody else to come and buy it at that rock bottom level >> and started moving it to it value and look at where it is today.

[00:12:36]So don't just think of egg, think of basket also. So you need to diversify your investment.

[00:12:41]All of you all your income, all your investment is in Nigeria. Imagine that all your investment is in Ukraine.

[00:12:50]Hello, I have a friend.

[00:12:54]I am the one that manages his account. I helped him to invest when he started making money. As I'm speaking to you right now, the only thing he has left to his name is the property I bought for him in America and the ones I bought for him in Nigeria. That's all he has. Every other thing is gone because of war.

[00:13:17]Imagine that you didn't have the American one or Nigerian ones.

[00:13:22]Diversify your investment. So many of you all you know is just one thing and many of the things you know is already expiring. Next, are you satisfied with the contribution from your investment to your total income?

[00:13:37]Yes, no, or I don't. What does that mean? Now, if you have the right kind of investment, it should be producing cash flow. So, are you satisfied with the cash flow from your investment into your income?

[00:13:52]Years ago, uh, Facebook was down for like 7 hours or thereabouts. I think 7 hours one day, maybe like 3 years ago or something, I can't remember, but it was down for like few hours. Now, by the time it came up, they said they have lost maybe 7 billion or one ridiculous money. So I started think 7 billion. So it means that every 1 hour this thing is producing 1 billion and none of us are on this place facing Facebook not facing our book.

[00:14:28]I said these people are making money. So all the assets you have are they producing because there's a difference between an asset and a cash flow producing asset.

[00:14:39]Next.

[00:14:41]Do you feel you have a brilliant financial advisor or team of advisors?

[00:14:49]Let me ask you a question. If you need financial counseling now, who do you go to?

[00:14:55]Do you know why many of us are where we are? Poor man. They adise poor man.

[00:15:02]How many of you see them at the bus stop, free readers association, at the newspaper vendor stand? There are people that met there, they married there, they became children there. People have been meeting that place for 14 years and they have developed a relationship at the vendor stand this morning. This morning, not yesterday, this morning as we were coming.

[00:15:26]Oh my god. You know, we've been having a lot of discussion which we do meetings.

[00:15:30]So my wife has been telling me some things she needs to do this year that this this this and then we have been discussing some things and one of the things she said is that you always say some things that even me that I'm your wife is taking time for me to catch up with some of these things. So she now say you say that true true is it that they cannot leave the organizing and upgrade why is it the same they are there 20 30 years that even one man that you know people that used to carry out in those days that they still after 20 years after is it that they don't want to I say this morning as you were coming this morning not this morning say that is one of the You know, money, what's that? He said, "That's one of the people that used to carry me on about 14 years ago. He's still doing the So, who are your adviserss now? Go to the fight landlord.

[00:16:32]You are speaking against landlord." How can you be a landlord? All these rich people, you have already made that means you are not one of us. All these rich people. So, you are not rich, you are poor.

[00:16:43]Hello.

[00:16:44]Who are your adviserss?

[00:16:47]Look, I'm a pastor.

[00:16:50]In church, they say freely you have received, freely give. Freely give, fine. But anything you get for free, somebody else has paid the price.

[00:16:59]But there are some things that if you don't pay, you will not pay attention.

[00:17:02]And if you don't pay, it will not pay you. So get good people that will advise you. I started the billionaire's conclave. I'm the global president of billionaires conclave. And one of the reason is because the higher people go, the fewer the people that can speak into their life. Many of my members are here in the last conclusion 50 So 20 k because those No, let me speak English. There's a property they selling for 70 million. I have 50. You are talking to your friend. Hey girlfriend, I have 50. So I'm thinking if I borrow 20 to buy it because the people that bought it 2 years ago bought it at 40.

[00:18:01]Now it's 70. So if I buy it now and the person you are talking to is looking at you like 50 million. Teresa, you mean say you get 50 million and you hear say I do birthday that last time you don't feel give me anything.

[00:18:20]>> I thought you are my G.

[00:18:22]>> You mean you have 50 million. Ah you are wicked. Oh that's why you need the right people in your life because some people you are discussing with your enemy.

[00:18:33]>> Next.

[00:18:36]Do you feel you have sufficient life insurance coverage?

[00:18:40]You know people don't know that insurance is now working in Nigeria.

[00:18:43]They are still thinking of insurance of those days. So people don't have insurance. Let me tell you something about insurance. Are you sure you're ready? One of the easiest way to become a millionaire is insurance. Even if you have to become a millionaire when you die.

[00:19:00]No, but at least your wife and children will not suffer.

[00:19:04]Look, let me tell something. I say this to pastor. I'm a pastor. I see pastors many pastor they just die for nothing.

[00:19:09]I'm telling you die nothing nothing.

[00:19:12]Most churches you see abroad London America even 120,000 120 member church 200 member churches the insurance on the pastor's head is millions of pounds. If that man drop today in wife go collect 1 million pound the church go collect 1 million pound.

[00:19:32]But many of you have a full-time pastor just they play.

[00:19:37]You will discover your foolishness but may not be too late. You don't go into full time until your hands are full.

[00:19:44]Hello. You don't go into full.

[00:19:47]Hello. You end up becoming a thief and a liar.

[00:19:50]So what am I saying? If you do life insurance now, it means if I die, my wife will collect 5 million, 10 million, 15 million. But you are not dying now.

[00:20:00]But if for any reason you die at least 15k 15 million is a palative.

[00:20:08]Do you know crying in the face where I face you and crying in a private jet there are two kinds of tears.

[00:20:16]You are crying oh but as you are crying can I have chap man please add a little burger.

[00:20:28]Are you cry? Let me put on Netflix.

[00:20:32]You are crying. But there's a cry where you are. Face me. I face you.

[00:20:40]Mosquito is biting you. No light. You are sweating.

[00:20:44]>> Everywhere is smelly. Nothing to eat.

[00:20:48]Hello.

[00:20:50]>> So let me talk to women.

[00:20:53]A lot of women have the habit of telling their husband to do life insurance. I don't know where you got the idea from that will die before you. I don't know where you get the idea from.

[00:21:03]But many women just think that what are you planning for your family? You what are you planning for? I never marry you.

[00:21:08]I don't go job when you die. So as a woman as I'm doing life insurance, you are doing life insurance so that anybody will die first.

[00:21:18]Somebody will collect because I can't collect on myself. So if you die, I have wasted money. So as I'm doing, you are doing. So why you are thinking of killing me because of is you can be thinking maybe me too I'm thinking of killing you so that you will not reap what you do so you will not think it hello can I go deeper >> at the risk of being misunderstood insure your children insure your children especially those of you are Canada Australia all over the world the way they are shooting Children are killing children. Now I have friends that have lost their children. One of my friends in Atlanta is the child went to school in school guy the child first born gone.

[00:22:09]Now no money can replace a child but if you lose a child and get 20 million naira we can use it to start a foundation and memorial to immortalize the child. He can never repeat. That's why I said at the risk of being misunderstood. You can never replace a child. Oh, but a dead child plus 20 million and a dead child with nothing.

[00:22:31]There are two levels.

[00:22:34]You will not lose your children >> because the way many of you are looking at me now is is is fighting your is a higher revelation.

[00:22:44]I tell them abroad that we even need to begin to do bulletproof uniform now for school uniform because the way they are killing children everywhere now. So let's move on. Number 21. Do you have a plan for your children's college or university education?

[00:23:00]The three highest expenditure in every family is accommodation, feeding and education. Repeat after me.

[00:23:09]Accommodation.

[00:23:10]>> Accommodation.

[00:23:11]>> Feeding.