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