1. Never wake up early: Keep stretching and turning in bed until you get too hungry to continue dozing. If there are no bedbugs, why hurry to get up?
2. Never plan how to spend your money: Whenever you get money, start spending it right away and when it is finished, try to count and recall how you spent it.
3. Don't think of saving until you have real big money: How can you save when you earn so little? Those telling you to save are not sympathetic to your burning needs.
4. Don't engage in activities usually reserved for the 'uneducated': How can you, a graduate, engage in e-commerce, petty trading or home- based business? That is for people who never went to school.
5. Don't think of starting a business until an angel comes from heaven and gives you capital: How do they expect you to invest before you get millions of Naira? Even though more than half the businesses in your town were started with a few hundred
shillings, you as a smart person can only start with millions.
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