From working 27 years in corporate across Japan and South Africa to investing over 2 million US dollars in a catfish farm in Ghana to learning the brutal truth that nobody will listen to you when you tell them how to think about risk even if you were the only black equity analyst in Japan nominated by Nikkei as one of the top 15 analysts because you need to let your life shine and people will see what is actually happening to you proving that actions speak louder than credentials and experience, the former senior portfolio manager at Mazi asset management who became head of research managing billions in assets for clients but always knew he would come back to Ghana to do something even though he could have come earlier because he was making very very good money and his aim was capital accumulation working for companies that paid him very well, the stock market expert who survived the Japanese bubble burst when banks collapsed and companies had issues watching as a foreigner wondering what was going to happen but fortunately by the grace of God survived the turbulence when his company was acquired by Mitsubishi UFJ Bank and the parent company was taken over by a consortium led by SoftBank Masayoshi Son, the analyst who moved from the sell side investment banking where companies like Databank and GCB Securities have access to the stock market and just recommend stocks to the buy side where you receive money and invest in stocks for clients creating portfolios and putting actual money in so if it falls the client is going to talk to you unlike the sell side where if the stock falls you hide and don't take calls, the entrepreneur who toured with the idea of setting up his own asset management company in Ghana but looking at the Ghana Stock Exchange set up in 1989 or 1990 the trading volume is dominated by probably one company MTN followed by GCB making it very difficult as a portfolio manager in South Africa to get stocks to buy in Ghana because the liquidity is not there and if you found an interesting company you don't get financial data wondering why the stock exchange allowed those companies to be listed when they are not providing their financials, the visionary who had aquaculture in his mind along with a fitness club and a garage because he came to Ghana and saw Ghanaians fixing cars while foreigners counted the money asking why can't I do it when it's just a question of getting the spare parts getting somebody to look after the warehouse very well and the Ghanaians doing it and probably giving them shares in whatever you set up, the risk thinker who explains that the risk concept in Asia is different from what we are taught in Ghana because when we say something is risky we think it's dangerous and you lose money but that's not how they think about risk and if you look at the Chinese characters for risk the two characters pronounced kiki mean danger and opportunity so you see danger and opportunity together, the opportunity seeker who says when you see risk you don't run away but ask is it very dangerous and where is the opportunity and is the opportunity bigger than the danger because he grew up there and lived with them so it became part of him and when he looks at Ghana yes it's risky but where lies the opportunity and where is the danger, the founder and CEO of Wadicair Farms the award winning farm of 2025 who moved to Ghana in 2021 after working many years in corporate making very very good money and moving to South Africa to join Mazi asset management was actually a huge pay cut but his aim was to set up a black owned asset management company where he was head of research and senior portfolio manager for a mandate in Africa excluding South Africa.

Host: Derrick Abaitey

From understanding why parents pushed their children into white collar jobs instead of farming because weeding was used as punishment in school making people grow up thinking farming is for those who cannot read and write to learning the brutal truth that we import 100 million dollars worth of tomatoes from Burkina Faso every year and if a young person can target just 1% of that market that's one million dollars in opportunity but the 25 year old guy doesn't know where to get 50,000 cedis to start and banks are not willing to co-invest because they get high returns from government bonds instead of taking equity in startups proving that there's a big industry in Ghana about talking on problems every day but nothing is done and we need to move from talking to working on the ground, the entrepreneur whose grandparents were big cocoa farmers in Ofori area and grew up on cocoa farms but was pushed into education because parents wanted their children to become doctors or engineers so they could tell their friends my son is a doctor my daughter is a pilot instead of saying my child is a farmer which doesn't bring societal respect or dignity in Ghana today, the reality that when you go to the UK or Japan or USA or Brazil the rich people are farmers milking cows and doing large scale agriculture but in Ghana we've pushed agriculture to the background and left farming for peasant farmers working on one acre or one plot of land feeding their children with agriculture extension officers advising them instead of thinking about large scale farms, the wisdom that education is very very important but we need to revamp the way we teach people because when he was growing up they punished you and asked you to go and weed so you grew up thinking weeding is a form of punishment and farming is exaggerated punishment so people are not going to do it and the farmer cannot even send his son to school, the vision that if we are able to revamp the way we teach and explain agriculture to people they will get to know that you can be a PhD and till the ground and make a lot of money because you can identify a problem like importing tomatoes from Burkina Faso and supply the ladies who are going to buy those tomatoes creating jobs and wealth, the fish farmer who started Wadicair Farms in 2023 with 2.5 million US dollars investment now doing revenues of maybe 750,000 cedis yearly and growing because 2023 was virtually zero but 2024 and 2025 are looking better with more people patronizing the products and off-takers coming from Canada Germany Ivory Coast and locally selling to Max Mart Talegon Max Mart La Bony and Focus Trading in Kumasi, the product innovator who created oven dried sliced catfish instead of just the traditional curled catfish because growing up mothers would finish the soup and have to divide the fish and it's hard when it's curled so slicing it makes it easier for them to give portions to children while the father gets the big curled one but initially people asked where is the head how do I know this is not snake so now they include the head and people are buying the sliced version, the employer who tells his workers you are here not just for a salary because if we make money in this company Kwame is not going to just keep it to himself and his family but will set up a bonus system so workers can get sizeable bonuses to buy blocks and start building something for their families because they live around the village and he wants them to build generational wealth too, the businessman whose motivation for starting the farm was money of course because it's not philanthropy but he doesn't have to squeeze money out of his people and if he can make decent profits selling at 100 why should he sell at 150 or 200 when he has his targets and knows where the business is going.

Host: Derrick Abaitey

From understanding why family members should never run your business unless they're your wife or daughters to learning the brutal truth that when you're not around your brother or cousin will undermine you saying oh because I'm the brother do this meanwhile it's not something you recommend and workers will be afraid to challenge them because he's the uncle of the CEO pulling your company down which is exactly why the owner of Wadiqa in Japan said if you live in this part of the world and you want your business to thrive don't work with family, the catfish farmer who sat with Japanese business owners and studied how Toyota Honda Suzuki Panasonic and Sony built generational companies where the structure was so solid that when one guy started it his son became boss his grandson became boss and the family has interests but the company survives for generations proving that culturally the ethics there are very different and he never heard of somebody say I'll not let my uncle work here in Japan but looking at Ghana he had to make that decision, the Christian entrepreneur who looks at his company as the property of the God he serves and has to manage it well so you can't fool around there and see him sitting down watching you destroy it because if you're not a Christian you will not understand but that's his concept and he doesn't waste time firing people who fool around, the business owner who admits the issue is founders have so much passion when they start but the people they hire don't have that passion and you have to get people who buy into your passion to grow your business because if that passion just stays with you and doesn't percolate to the other guys around you then when you're not around they can't move the business forward but if you're able to sell your passion into them or infuse your passion into them even if you're not around they know this is how this business should be moving, the aquaculture entrepreneur whose business started in 2023 not making profits yet but seeing revenues growing growing because he has a lot of assets being depreciated and depreciation is heavy making the cashfish business complicated when some people come and tell oh I started with 500 I made this amount of money but if you look at the cost variables you're going to buy fingerlings and if you don't buy good fingerlings you might lose them so give yourself maybe 5% mortality rate, the fish farmer who breaks down that feed is about 70% of your total cost of production and you can't reduce the price of feed because the company making the feed wants to make money and you don't control them so how do you make money when your feed cost is 70% leaving you with maybe 30% to play around with and you have to pay your workers and transport the feed to your farm, the processor who decided to dry and package fish instead of selling it fresh because when you feed it to a certain point somebody comes to buy and tells you I'm not going to buy it at one KG for 40 cedis I'll give you 30 cedis and if you say no he goes away and comes back a week later saying 30 cedis or even lower and you are buying feed to feed this fish so out of desperation some farmers sell and cry at night, the marketer who explains that people go to Makola and Kaneshie market to buy dried fish because it's a staple in our diet so if you dry and package you become more competitive and don't rely on point and kill people coming to buy your fish fresh because if they don't come you're in trouble and if they buy at a lower price your price realization is not that high, the strategic thinker who says before the four Ps of marketing you need to do research about what is the demand for your product where you are because if you're located in Kwintanpo and you want to sell in Accra you're in big trouble and consumer preferences are very different so you need to look at what do these people want and it may not even be beautiful packaging.

Host: Derrick Abaitey

From understanding that danger and opportunity are the same word in Japanese to learning why the brutal truth about entrepreneurship in Ghana is that you can have all the knowledge about risk management from working in top corporate jobs in Japan and South Africa managing billions in assets but nobody will listen to you when you say this is how you should consider risk because you need to let your life shine and people will see what is actually happening to you proving that actions speak louder than credentials, the former head of research and senior portfolio manager at Mazi asset management in South Africa who moved to Ghana in 2021 after working many years in corporate making very very good money because his aim was capital accumulation knowing he wanted to set up something back home but needed the financial foundation first, the investment expert who breaks down the rule of 72 explaining that if the interest rate is 24% you divide 72 by 24 to get 3 which means your money will double in three years if you invest in an asset giving you 24% per annum and reinvest the interest proving that when Ghana treasury bill rates were about 30% people could have doubled their money if they knew this but for lack of knowledge my people perish, the financial literacy advocate who reveals the mistake people make in Ghana is putting all their money in the bank thinking they have 2 million in savings when actually that deposit is a liability for the bank which uses your money to invest in Ghana government funds getting 25% to 30% return while the spread is so high they pay their workers and get their fault checks and you get peanuts from interest while they are living on your savings, the reality that banks bring pretty ladies when they want you to borrow money to buy your house because they understand the rule of 72 and know your debt will double after a season but when it's time for collection they bring much more men to collect their money and if you're not able to pay they take away your house and you are in trouble, the wisdom that if you go to his village in Bocancere people don't understand finance proving that financial education should be paramount in our country and everything is confined to Accra but we need to be more practical with the teaching of economics and finance, the careful expert who has rules and has to be careful whatever he says because it's not like he's recommending for anybody to go and buy this or that so privately he can talk to his friends saying this looks interesting you can do this but in a forum like this if you say this company is good somebody will go and buy then lose money and he's going to be in trouble like a false prophecy, the portfolio manager who admits you don't get it right all the time and just wants to be right maybe 51% or 52% of the time and his client will make money because if he buys Sony and Panasonic in consumer electronics but forgets about Samsung and Samsung goes high while Sony stays there he loses relatively and the client is going to be upset asking why didn't you buy Samsung why did you stay with Sony, the entrepreneur whose balance sheet now is about 12 million Ghana cedis but if he actually looks at the money invested it's about two million plus dollars because he worked for very good companies was paid very well and saved a lot of money so when he was coming back to Ghana his plan was ready with his business plan ready knowing what he was going to do with projected returns everything on his computer.

Host: Derrick Abaitey

She turned down $3 MILLION. She's raised $1.5M+ for African entrepreneurs. And she has some brutal truths about why YOU haven't been funded yet.

In this episode of Konnected Minds, Derrick Abaitey sits down with business consultant and Fundvestor founder Diane Akuffo - the woman behind one of the highest investor success rates in Ghana (80%).

She breaks down EXACTLY how to:

✅ Build a pitch deck investors actually take seriously

✅ Make your business "investor-ready" (most Ghanaian businesses are NOT)

✅ Choose between equity, SAFE notes, and convertible loans

✅ Avoid the 60/40 trap that cost one founder his entire business

✅ Find investors — and what to send them BEFORE you reach out

✅ Use the AI tool that's reviewing pitch decks in seconds (Mangro AI)

🎟️ Konnected MInds Live Kumasi, Sept 9th. https://www.konnectedmindslive.com/

Guest: Diane Akuffo

IG: https://www.instagram.com/dianeakuffo/

Host: Derrick Abaitey

IG: https://www.instagram.com/derrick.abaitey

YT: https://www.youtube.com/@DerrickAbaitey

Join Konnected Academy: https://www.triibe.io/konnected-academy

🎟️ Konnected MInds Live Kumasi, Sept 9th. https://www.konnectedmindslive.com/

Listen to the podcast on:

Apple Podcast - http://tinyurl.com/4ttwbdxe

Spotify - http://tinyurl.com/3he8hjfp

Join this channel: /@konnectedminds

FOLLOW ► https://linktr.ee/konnectedminds

#Podcast #businesspodcast #AfricanPodcast #Ghanapodcast #NigerianPodcast

From understanding why operating profit margin multiplied by asset turnover determines your return on assets to learning the brutal truth that in aquaculture you can start small with 20,000 cedis drying fish the traditional way but as you make money from the local market you upgrade your equipment step by step until you're exporting to Europe where they test for polycyclic aromatic hydrocarbons that stick on fish skin when you smoke with firewood and might cause cancer which is why investing in modern drying machines matters even though it costs more upfront, the catfish farmer who explains that retailers have slim margins of 2% to 3% but high turnover of 2 to 4 times per year while companies like Fanuc making robots have very high margins but low turnover of 0.5 because they only produce maybe 50 robots per annum proving that scale is everything in the fish business and if you're doing a thousand fish you're going to be in trouble but if you're doing 10,000 tons or 50,000 tons you have leverage over feed companies like Raanan and Coppens because they know you're going to buy from them, the entrepreneur with a 100 kilowatt solar farm who admits he doesn't have the managerial resources to be thinking about making his own feed when companies can provide it and the real strategy to lower costs is just scale not trying to buy maize soybeans methionine and all those ingredients yourself when you should be focused on your fish and marketing marketing marketing, the aquaculture business owner who breaks down the regulatory maze you must navigate before starting a catfish farm in Ghana where the Fisheries Commission charges about 1,000 cedis for permits for both grow out and hatchery operations but the EPA charges around 20,000 cedis after doing environmental research and writing reports based on your capacity, the farmer who uses boreholes and has to deal with the Water Resources Commission which is in charge of all water bodies in Ghana and charges you for water you're drawing from the ground because you're using it to make money though they can't monitor all the farms using boreholes but his farm is right by the road so they can see the tanks and he has to comply, the wisdom that catfish farming is absolutely profitable and tilapia is very popular because any corner you turn in Ghana you see a Banco joint with tilapia and imagine the volume of tilapia we consume every day every week every month while catfish is just a niche but Nigerians have taught us you can actually grill catfish and people in the diaspora want dried catfish to make Banco joint and soup and Indians are waking up to the fact that it has a lot of meat and is not as bony as tilapia so the demand is actually growing, the strategic thinker who says you don't have to narrow yourself to Ghana as your market but think West Africa is my market and then the whole world is my market going through this step by step by step always doing your Japanese due diligence researching the background of where you want to have your catfish farm, the resirculating aquaculture system expert who uses RAS technology where water comes into the tank he feeds the fish they poop into the water and conventionally this water would be flushed out into gutters but in resirculating aquaculture he moves this water into a mechanical filter where the solids are filtered then it goes through a biological filter where any bacteria is eliminated, the minister for fisheries and aquaculture Mrs. Emilia Arthur who came and tried to streamline regulations because farmers had to deal with several regulators and it was really cumbersome and very expensive so they want the Fisheries Commission to be a one stop shop which is very welcome for the industry, the reality that if you're using Ghana Water Company your water bills are going to go up but you have to make a decision.

Host: Derrick Abaitey

From building a 100 kilowatt solar powered fish farm with greenhouses to understanding why most Ghanaian companies die with their founders, and why the brutal truth about entrepreneurship is that creating generational wealth means moving away from the one man show mentality where if you're not here the business cannot survive because knowledge and wisdom doesn't reside in only one person and you need to put structures in place that allow the company to thrive even when you're gone which is exactly what happened to great companies in Ghana set up by people from Makropom and other places where when the founder passed away the company died because maybe the structure wasn't great and somebody took over and said I'm not going to do this leaving workers jobless proving that without proper management and vision the business collapses with the founder, the entrepreneur who studied Japanese companies like Toyota Honda Suzuki Panasonic and Sony where one guy started it the structure was there his son became boss his grandson became boss and the family has interests but because the structure is solid the company survives for generations teaching that generational wealth creation is not just about making money but about building something that will take care of your wife your daughters your grandchildren and provide jobs for workers long after you're gone, the fish farmer who decided to breed fish in tanks under tunnels in greenhouses so workers can go in anytime even when it's raining and built his own hatchery for constant supply of fingerlings because selling raw fish makes some money but processing the fish drying it and packaging it with machines is where the margins are high, the businessman who brought in machines to dry and package fish but admits he made a mistake not securing offtakers before starting the project because he was not living in Ghana and didn't trust people to do the research for him and the industry is so fragmented with everybody claiming they're doing 1,000 catfish or 5,000 fish and there are so many lies on YouTube with people getting caught thinking if they buy 1,000 catfish they'll make this amount of money when it's not like that and unfortunately people are falling for such advice, the solar power advocate who saw that energy cost is very high in Ghana and in Asia where he worked in Japan electricity for industrial use is actually cheaper than electricity for households and Singapore is even cheaper but in Ghana it's not like that making it nearly impossible to grow industries with such high cost of power which is why he installed 100 kilowatt solar on his farm to power everything with ECG as backup and two generators as additional backups, the aquaponics dreamer who initially wanted fish water to flow through floating beds where you plant lettuce on styrofoam and the plants pick up the nitrates filtering the water so you don't waste a lot of water and only top up every three months while harvesting vegetables but decided Ghanaians don't eat vegetables so he converted everything into tanks and got stuck with waste water wondering what to do instead of flushing it into gutters like some people do, the innovator who built greenhouses and directed waste water into tanks to irrigate them now producing red and yellow bell peppers after doing tomatoes and cucumbers and buying three more greenhouses from a supplier that will be installed soon bringing the total to six greenhouses optimizing revenue by going back to competency and figuring out which vegetables to grow, the realization that an old friend told him something funny that a man going into retirement is more concerned about losing their money than their life and at this age how long is he going to live so what is he leaving behind for his wife his daughters his future grandchildren.

Host: Derrick Abaitey

From understanding that you cannot just wake up and become the MP for Kasoa or expect that buying Tom Tom for somebody will make you successful to learning the brutal truth that building wealth requires going through a process and buying shares then forgetting about them for one year to be amazed by the returns, and why the harsh reality about money is that if you're not disciplined you cannot grow money and you cannot keep money which is exactly why young people need to cut down expenses like the NSS personnel who sees their boss buying 100 cedis jollof and wants to do the same when the boss has worked hard to be where he is while the NSS person is barely making enough to survive let alone spend 100 cedis on lunch, the financial literacy educator who teaches people through 30 Seats Challenge that saving money is hard and the level of discipline required for a teenager to save money is something we don't speak about enough because when you're 17 years old working in London teaching piano for 18 pounds an hour on Wednesdays doing three or four hours but never saving any money it proves that even when money comes easy it's hard to save, the young man who got 30 pounds a week from the government just for going to school but never saved anything probably sending it back home for siblings proving that without discipline and a clear purpose money disappears into Mx90s trainers and immediate gratification, the reality that in Ghana temptation is everywhere because when you're sitting in a trotro with 500 cedis in your pocket the woman selling chewing gum comes around the one selling polo comes around almost pushing it down your nose to buy it and once you get off you see roadside sellers selling plantain and by the time you get home food is not ready so you buy from the seller right outside making it incredibly difficult to save, the wisdom that because it's hard not a lot of people do it and that's the reason why people remain poor because the way people become wealthy is by being disciplined and only 5% just 5% of your habit just being a little bit more disciplined than the average person and you are winning, the phone case seller who walks into the studio without a shop but carries what she sells wherever she goes proving you don't need a shop or big capital to start a business because when someone teaches her that struggling savers just need to be 5% above the average person it's imprinted in her mind and she goes home and works within that 5% showing the power of mindset shifts, the young entrepreneur who explains that people don't start businesses because they want to start big when actually you can provide a service wherever you find yourself and clock it making 4,000 cedis profit selling phone cases without needing a storefront or massive investment, the challenge of changing mindsets when you see someone like Japan Can Be who sold six of his properties and went through the process but a normal person watching the podcast will see it as he's trying to bluff instead of asking what can I give up to make it like him proving we need to let go of our old ways of doing things, the memory of mothers saving money in handkerchiefs inside headdresses before learning about microfinances and growing their savings methods showing that your mindset needs to be able to change things because we do not sit on only ourselves we learn from people around us, the nostalgia of lifting up grandma's blue sheet on her table to find coins never more than three cedis underneath because she didn't have a bank account and mobile money was not available in her time but that's how she saved her money teaching the foundation of discipline, the stepfather who saved his money in the ceiling working as a farmer and chemical seller being smart about hiding his cash until one day somebody went to steal it.

Host: Derrick Abaitey

From understanding that savings alone is not enough to learning how to buy shares that can turn 10,000 cedis into 100,000 cedis in one year, and why the brutal truth about building wealth is that young people don't know the difference between shares and treasury bills when treasury bills are regulated by the government giving you fixed returns like water in a cup that's always there when you drink but shares are buying a part of a company like MTN or Gold or Ben's oil palm plantation where if the company does well your shares do well but you cannot determine when it's going to rise or fall, the financial literacy educator who breaks down Maslow's hierarchy explaining that self actualization is where people invest big time into shares that work for them and they do not necessarily have to do something else proving that even when Dr. McDonald says he's not where he wants to be we see him as self actualized but to him he is not showing the difference between social status and perception, the young woman teaching people through 30 Seats that in the typical Ghanaian environment if you die it is what is said about you after the death that matters because if you only had money to take care of yourself and your family and extended family but die right now they would say you didn't leave any property proving it is money it is money not just words, the reality that people comment in DMs asking why will I save my next of kin will come and chop the money when actually you need to work hard to change that perception and leave something behind, the process of buying shares starting with saving then taking a portion of that saving to investment using IC wealth app or Black Star app where you register get a CSD account buy the shares and move forward, the top three shares young people can invest in today being MTN shares which she personally invests in, Gold shares that went from 1,250 cedis last year to now being scarce, and Ben's oil palm plantation which is doing very well, the shocking revelation that one company appreciated by 1,000% meaning if you had saved 10,000 cedis last year now you're making 100,000 cedis from buying the shares proving the power of patient investment, the wisdom that nobody gets huge money in one minute and you can't just wake up and be the MP for Kasoa or expect that buying Tom Tom for somebody will make you successful because it's a process you need to go through, the discipline that shares teach you because if you're not disciplined you cannot grow money and you cannot keep money which is why young people need to cut down expenses like the NSS personnel who sees their boss buying 100 cedis jollof and wants to do the same when the boss has worked hard to be where he is, the confession from the host about working at 17 years old in London teaching a lady's son piano for 18 pounds an hour on Wednesdays doing three or four hours but never saving any money proving that the level of discipline required for a teenager to save money is something we don't speak about enough, the temptation of spending money on Mx90s trainers at 17 instead of saving showing how hard it is for young people to resist immediate gratification, the government money of 30 pounds a week just for going to school that was never saved or invested but probably sent back home for siblings proving that even when money comes easy without work it's hard to save unless you have a clear purpose and discipline.

Host: Derrick Abaitey

From interviewing coconut sellers making 300 to 500 cedis profit daily to teaching young people the brutal truth that if you do not want to be poor you have to understand that most of us are stuck on physiological needs of food shelter and clothing thinking that once we have money for these basics we are done when actually a coconut seller multiplying 300 cedis by five days by one month is making more than someone doing a white collar job in an office space proving there are no businesses better than another business but our minds are set to think certain businesses mean you are doing well while other businesses make people think you are joking when you are actually the one making real money on the streets, the financial literacy expert who has always been a money person not in a bad way but loves money because money makes a lot of things possible like buying a car or doing other things and started an accessory business right from university understanding that growing up as a typical African child you are not given money because the money is either handled by your father or given to your mother who gives it to you and even when you have to buy certain things you have to follow an adult because school fees was never handed over but you went to the bank with your father or mother just to be sure the fees was paid, the young woman who learned how to handle money by herself when entering university space where suddenly you are given your money because you are an adult kind of but made the painful mistake of lending her school fees to a friend who used it for betting and the money just got lost explaining why a lot of parents wouldn't want to give money to their children because if a friend mishandles the money who do you run to and it will be so sad if your parents struggled to get the money for you and you just mishandle it, the lesson that no money is enough which really struck her when watching an interview where someone big said he's not where he wants to be proving that even successful people feel they need more and you have to break out of being poor by venturing into businesses and understanding the lies we have been told about the way we should make money because there are businesses that immediately you mention people think you are doing well and other businesses where people do not even have time to believe it works because to them you are just on the streets, the educator from 30 Seats one of West Africa's leading digital platforms on financial literacy and youth empowerment who believes people can start businesses without money because she started by going to a friend's shop at Kasoa who sells phone accessories and after SHS the guy really trusted her so she would take phone cases go to school sell them make her profit and give him back the money proving that trust and starting small works, the conversation split into four parts taking you from not being able to save to saving a lot of money to invest covering the top three shares that young people can invest in today where one company appreciated by 1000% so if you had saved 10,000 cedis last year now you're making 100,000 cedis and why saving money is hard because the level of discipline required for a teenager to save money is something we don't speak about enough when a lot of people spend money on the wrong things but the most important thing is not how much you are saving but the discipline and the consistency.

Host: Derrick Abaitey