Money Talks with CFA Society Nigeria

Hosted by CFA Society Nigeria

Business Investing

Website RSS feed LinkedIn

Episodes

139

Latest episode

Aug 2026

Language

EN-GB

About the show

Money Talks is an initiative by CFA Society Nigeria, dedicated to enhancing financial literacy among individuals less acquainted with personal finance. Our mission involves imparting fundamental financial education to citizens, fostering a comprehensive understanding of the financial industry and effective money management.

Listen to episodes

60 recent

August 20, 202626 min

The Money Mistakes That Kill Small Businesses

A business can have customers, make sales, and still be running out of money. Sometimes, the problem is not one big financial decision. It is the small things that happen repeatedly: using business money for personal expenses, paying yourself whenever you need cash, losing track of what is coming in and going out, or spending on growth before the business can support it. For a small business, these decisions add up quickly. Knowing your numbers, managing cash flow, separating personal and business finances, and deciding what deserves your money first can be the difference between growing and struggling. In this episode, Evelyn Castle , CEO and Co-Founder of EHA Impact Ventures, brings her experience as a founder and impact investor to a conversation about the financial habits that can quietly put a small business at risk. If you run a business, are building one, or plan to start one, this is a conversation worth having before a small money mistake becomes a big business problem.

August 6, 202628 min

Where Should You Invest Your Money?

Everyone wants to make their money grow, but knowing where to invest is often the hardest part. Should you buy stocks? Are mutual funds a better place to start? Is real estate always worth the money? And how do you know an investment is right for you, not just popular with everyone else? Choosing an investment is about more than chasing returns. It starts with understanding your financial goals, your income, how much risk you can comfortably take, and when you will need your money. In this episode, we unpack the investment options available to Nigerians and the questions every investor should ask before committing their money. Whether you are investing for the first time, building wealth over the long term, or simply trying to avoid costly mistakes, knowing how to choose the right investment can make all the difference.

July 30, 202631 min

What Is Changing in Nigeria’s Capital Market and What It Means for Your Money

The Nigerian capital market is changing, but what do these reforms actually mean if you are an investor? From faster trade settlement to changes designed to improve market efficiency, the reforms underway are reshaping how investors participate in the market. For the everyday investor, these changes can affect how quickly transactions are completed, how easily opportunities can be accessed, and how confidently people can participate in the capital market. This episode takes a closer look at the Nigerian capital market reforms changing the investment landscape. We unpack what market reforms really mean, what the move to a T+1 settlement cycle means for investors, and how these changes could create new opportunities for retail and first-time investors. But the bigger question is what these reforms mean beyond the stock market. How can a stronger capital market support Nigerian businesses, attract investment, and contribute to economic growth?

July 23, 202628 min

Waiting for the "Perfect Time" to Invest?

The economy feels uncertain. Prices keep rising. Headlines are unpredictable. So, should you wait for "better times" before you start investing?In this episode of Money Talks, investment professional and CFA Charterholder Sodiq Safiriyu challenges one of the biggest myths in personal finance—that successful investing begins when everything feels stable. Through practical insights and real-world examples, he explores why uncertainty is part of every investment journey, how market downturns can create opportunities, and why staying invested often beats trying to predict the perfect moment.

July 16, 202628 min

Money Does Not Come with Instructions. Neither Does Adulting.

Most people spend years learning how to earn a living, but very little time learning how to manage the money they earn. That is why financial mistakes are so common. Saving feels difficult, wealth seems out of reach, and many people continue to live from one paycheck to the next, regardless of how much they earn. This episode explores the money lessons many people wish they had learned earlier. From building the habit of saving to understanding why financial literacy is a skill developed through practice, the conversation looks at the everyday decisions that shape long-term financial outcomes. It also examines why income alone is rarely enough to build wealth and why every family should think about creating a financial legacy for the next generation.

July 8, 202627 min

The Portfolio Management Challenge That Could Shape Your Career

Every great investment professional starts somewhere. For many, that journey begins with the opportunity to apply knowledge, make real decisions, and learn by doing. The CFA Society Nigeria Portfolio Management Challenge was created to give aspiring investment professionals exactly that. More than a competition, it is a platform for participants to develop practical portfolio management skills, gain exposure to real-world investment thinking, and prepare for careers in the capital markets. This episode explores why the challenge was introduced, the gap it seeks to fill in Nigeria's investment education landscape, and how it supports CFA Society Nigeria's mission of promoting investment excellence. We also break down how the competition works, who can participate, what to expect throughout the challenge, and the partners helping to bring the initiative to life.

July 1, 202628 min

How Fintech Is Changing the Way Nigerians Save, Spend, and Bank

Banking has changed dramatically in just a few years. Opening an account, sending money, paying bills, and even saving for future goals can now happen in minutes, all from a mobile phone. As digital banks and fintech platforms become part of everyday life, convenience has never been greater. But so have the questions. How safe are these platforms? What should users look for before trusting a fintech app with their money? And how can they protect themselves from the growing number of digital banking scams? This episode explores how technology is reshaping financial services in Nigeria, the differences between digital banks and traditional banks, and what every consumer should know before making the switch. It also examines how fintech is changing saving habits and expanding access to financial services for millions of Nigerians.

June 24, 202625 min

Can AI Make Us Rich?

Every few weeks, there seems to be a new story about someone making money with AI. A side hustle takes off. A business scales faster. A new tool promises to automate work and unlock income opportunities. The excitement is real. So is the confusion. Some people see AI as the biggest wealth-creation opportunity of our time. Others see a wave of exaggerated claims, questionable investment schemes, and unrealistic expectations. The challenge is knowing the difference. This episode explores where AI is genuinely creating value, how it is changing the way people work and earn, and whether the technology is making people richer or simply making them more productive. It also looks at how AI can support better decision-making, the risks of blindly following trends, and the warning signs that separate legitimate opportunities from expensive mistakes.

June 17, 202627 min

What Every Young Person Should Know About Money

Good money habits are not built when you start earning big. They are built long before that. Many young people want financial freedom, but struggle with budgeting, saving, and managing the pressure to keep up with what they see online. The result is a cycle of spending decisions that can delay important financial goals. This episode explores the habits that shape a strong financial foundation. From creating a simple budget and building a savings culture to resisting social pressure and developing financial discipline, the conversation focuses on practical actions that young people can start taking today.

June 10, 202628 min

Before You Take That Loan, Watch This

Taking a loan can solve a short-term problem, but the wrong borrowing decision can create a much bigger one. From personal loans and credit facilities to digital lending apps, borrowing has become easier than ever. So, many consumers focus on how much they can access, not what it will ultimately cost them. This episode explores what every borrower should know before taking on debt. We look at the true cost of borrowing, the fees that often go unnoticed, and the questions consumers should ask before signing any loan agreement. The conversation also examines the rise of digital lending platforms, common borrowing mistakes, and how poor debt decisions can affect future financial opportunities.