Note, this is fact but its painful.

Some people still believe in white collar job probably to earn for standard living and invest the rest of it, they don't want to start from trash, but they have forgotten "time constraints",

 because they believe they have time and that is biggest mistake we made in life,

they forgotten time is free but it priceless.

 you can't own it, but you can use it, you can keep it but you can spend it and what cost you to get it back.

The average person live 79 years, The questions we need to ask ourselves is that how many years we need to work under person out of 79 years to buy the exotic car or be like dangote or otedola probably Mike adenuga as salary earner, we have seen case of average person earning 500, thousand at last he became local champion of his street,

Let do some analysis:

Divide your SALARY by 30 days and see what you get (i.e. the number of days in a month and see the funny thing about your salary plan).

For example,
(1) An average level-12 worker in the state government civil service earns NGN 60,000.
**** And this translates to NGN 60,000÷30= NGN 2,000 every day. This is LESS THAN the amount made daily by an AVERAGE HAWKER in the city.

(2) A freshly EMPLOYED GRADUATE BANKER in most NIGERIAN BANKS earns an average of NGN120,000 monthly.
***So everyday, you get NGN120,000÷30= NGN4,000 as the daily value for your work-life. By implication, this is LESS THAN the amount earned DAILY by an AVERAGE DRIVER in d city and in some villages.....

(3) If you are a FRESH GRADUATE EMPLOYEE in some oil companies, you earn an average of NGN300,000 monthly. So in a day your WORK-VALUE is NGN300,000 ÷ 30= NGN10,000
**** This is LESS THAN the daily amount earned by an IRRIGATION FARMER supplying vegetables to Lagos MARKETS, a TIPPER CAR DRIVER supplying sand for three BLOCK INDUSTRIES and CONSTRUCTION SITES just 3 times a day and DRIVERS of DANGOTE TRUCKS who have bought off the trucks at scrap value and are using them to convey products between villages and the cities for just five business owners.

And when there is an ISSUE in the FAMILY that requires FINANCIAL ASSISTANCE, the DRIVERS, HAWKERS and the rest are looking up to you with a WHITE COLLAR JOB.

(4) If you are an NYSC MEMBER, you DON'T need to be told that:
*****NGN19,800÷30 = NGN 660 is your worth on a daily basis.
I hope you know that PURE WATER SELLERS who own a shop, a pepper soup joint and a small TOYOTA COROLLA car to distribute pure water to five restaurants earn MORE THAN you & WHEEL-BARROW PUSHERS working on contract for three warehouses probably make MORE MONEY than you EACH DAY

I don't know why some people still believe on certificate more than entrepreneur ( I don't say we should not pursue certificate ) look to the case of wole soyinka and dangote i don't want to go into details... in fact this is the argument I like most, but don't let me bother you with note...my point is that working under person for so long is waste of time because we have limited time to spend in life, majority of business man that can avoid the different exotic cars started from trash... example

1) linder ikeji--a number one professional blogger

2) cosmos makuka-- a number one cars dealer

3) Seun osewa--- the owners of popular site nairaland

4) Mike adenuga--- once buss driver, now Nigeria business tycoon

5) folorunsho alakija-- my favorite number one richest woman in African..she started with fashion designer

  Don't let anyone waste your time "time na money" because it is incredibly difficult to become wealthy on a salary basis because every naira you earned have a budget on it (e.g house rent, feeding, family budget e.t.c) my suggestion to this argument

1) start early-- time is on your side when you are young

2) invest-- invest every single income is available

3) plan-- if you fail to plan, plan to fail, plan your time very well

4) get connected-- always find connection

5) take risk

6) reduce fear

7) trust yourself

According to a lot of financial giant becoming wealthy starts in your mind (mindset) not your salary, time management is the foundation of wealth, don't waste your time for useless organization expecially
 Banking sector which has no jobs security...that is why Robert kiyosiki says he

"the only difference between a rich person and poor person is how they use thier time"

Okubote fisayomioluwa
( I believe my opinion count)