Money Talks with CFA Society Nigeria
Money Talks is a podcast produced by CFA Society Nigeria as part of its financial literacy initiative. It is aimed at people who are less familiar with personal finance and want a clearer grasp of the basics. Episodes cover fundamental financial education, helping listeners understand the financial industry and manage their money more effectively. The show combines the society's professional investment expertise with practical guidance for everyday citizens.
Episodes
The Role of Insurance in Protecting Families and Growing the Economy
People often think about insurance only after a loss has already happened. But its real value lies in preparing for the financial risks you cannot always predict, from illness and accidents to the loss of income, property damage, and other events that can put a household under serious financial pressure.How do you decide what is worth insuring when money is already tight? How much cover is enough?
Can You Start Investing When You Are Barely Making Enough?
You want to invest, but your salary is already spoken for before it even arrives.Rent. Food. Transport. Bills. Family. Debt. By the time everything is covered, there may be very little left to put away, so investing keeps getting pushed to the next salary increase.But what if waiting to earn more is keeping you from starting altogether?Starting with a small income does not mean ignoring your immed
Your Money Keeps Changing: Inflation, Interest Rates and the Naira
You earn the same naira, but somehow it buys less. Your savings earn interest, but prices are still moving faster. Then the exchange rate changes and suddenly the cost of everyday things feels different again.These things may seem like separate economic stories, but they are closely connected, and all affect what happens to your money.In this episode, we break down inflation, interest rates and th
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
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, you
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
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 rea
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
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, gai
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 fintec
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
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
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 tr
Why Your Money Never Feels Enough
You are earning more, but it still feels like you are falling behind.That is the reality for many people in today’s economy, where rising prices quietly eat into income and make financial progress harder to see.In this episode, Funmilayo Ige, CFA, broke down why inflation makes people feel financially stuck even when their salaries increase, and the common mistakes that make things worse during pe
Why Regulation Protects Investors
Compliance sits at the centre of modern finance.Every investment operates within rules that guide how firms behave and how investors are protected. Knowing how regulation works helps investors understand accountability, risk oversight, and market discipline.This episode examines the role of compliance inside investment firms, the relationship between institutions and regulators, and why ethical co
Your First Investment Is You: Build Stability Before You Build a Portfolio
Before stocks, crypto, or market strategies, there is one investment most early-career professionals overlook. That is themselves.Many young earners rush into investing without financial stability, no emergency fund, inconsistent income, and little protection against unexpected life events. The result is stress, forced withdrawals, and abandoned investment plans.This episode focuses on the real st
The Biggest Financial Mistakes Retail Investors Make
Many retail investors enter the market with good intentions but little strategy. The result is often avoidable losses, emotional decision-making, and missed opportunities.In this episode, Olaide Olakunle Ogundeyi, CFA, Corporate Finance and Investment Banking expert, breaks down the most common financial mistakes individuals make when seeking investment opportunities and how investors can avoid th
Is It Safe to Invest Abroad? What Nigerians Need to Know
As more Nigerians look beyond local markets for opportunities, global investing has become an important conversation for wealth preservation and long-term growth. In this episode, we speak with Temiloluwa Babatunde, CFA, on how Nigerians can approach international investing safely and strategically.Drawing from his experience in investment banking, financial advisory, and private markets, Temilolu
Markets Falling? Here Is What Smart Investors Do
Market uncertainty can trigger fear, emotional decisions, and costly investment mistakes. In this episode, we speak with Akinkolade, a finance and accounting professional and CFA Charterholder, on how investors can remain calm and strategic when markets become volatile.Drawing from his experience in financial control and operational finance, Akinkolade explains what uncertainty really means for ev
Big Returns or Big Regrets? The Truth About Risk in Investing
High returns often attract investors, but understanding risk is what truly determines long-term success. In this episode, we speak with Oladimeji Adekola, CFA, on the realities of risk in investing and how individuals can make more informed financial decisions.Drawing from his experience in private market investments, investment advisory, and structured finance, Oladimeji breaks down what risk rea
Are Nigerian Women Better Investors Than Men?
Women are often described as disciplined, long-term investors, yet they tend to hold less wealth than men. In this episode, we speak with Maryam Kurfi, CFA, on this contrast and what it means in the Nigerian context.With over 15 years of experience across investment management, financial regulation, and development finance, Maryam shares insights into the investment behaviours commonly associated
Understanding Mutual Funds: A Beginner’s Guide to Pooled Investments
Mutual funds are often recommended as a starting point for new investors, but many people are unsure how they actually work. In this episode, we speak with Peace, an investment banking professional with experience across asset management, financial advisory, and corporate finance, on the basics of mutual funds and why they are a popular entry point into investing.Drawing on her experience across m
Why Most People Want to Invest But Can’t
Many people say they want to invest, yet very few take the first step. In this episode, we speak with Nonso, Head of Treasury & FX at a leading financial institution, on why the gap between intention and action remains so wide.With deep experience in liquidity management and capital markets, Nonso shares practical insights into the most common barriers preventing people from investing, from fe
Bigger Paycheck, Bigger Problems?
A higher income should mean greater financial comfort, but for many people, it simply brings new pressures. In this episode, we speak with Chukwuka Edoziuno, CFA, on lifestyle inflation and why earning more does not always translate into building wealth.Drawing from his experience in corporate finance and capital markets, Chukwuka explains why spending often rises with income, the role of peer pre
Small Money, Big Growth — How Wealth Builds Over Time
Wealth is often associated with large sums of money, but long-term growth is more about time and consistency than size. In this episode, we speak with Iteoluwakiishi Adesanya, CFA, on how small, regular investments can grow into meaningful wealth over time.With experience in treasury and investment analysis, Iteoluwakiishi explains the power of starting early, the role of consistency, and why rein
Money Conversations in Families| Breaking the Silence Around Finances
Money remains one of the most sensitive topics in many homes. In this episode, we speak with Uchenna Iheanacho, CFA, on why families often avoid financial conversations and how breaking that silence can strengthen financial stability and relationships.Drawing from her experience in financial markets, Uchenna discusses the impact of culture and upbringing on money discussions, the risks of avoiding
Why Habits Matter More Than High Income
Earning more money does not automatically lead to financial stability or wealth. In this episode, we speak with Oreofe Olamoyegun, CFA, on why delayed gratification and strong financial habits matter more than income when it comes to building long-term financial security.Oreofe draws from his experience in investment banking and financial advisory to explain what delayed gratification really means
The Role of Solicitors in the Capital Market
Capital markets rely on more than investors and regulators; they also depend on strong legal frameworks and trusted advisors. In this episode, we speak with Simisola Eyisanmi, Partner at Duale, Ovia & Alex-Adedipe (DOA) and Chairman of the Capital Market Solicitors Association, on the critical role solicitors play in the investment and securities ecosystem.Simisola explains what it means to be
Investing in Yourself
When most people think about investing, they think about financial assets. But some of the most valuable returns come from investing in yourself. In this episode, we speak with Sherifdeen Lamid, CFA, a finance professional at Africa Finance Corporation, on what self-investment really means and why it plays a critical role in long-term financial and personal success.Sherifdeen draws on his experien
How Your Risk Appetite and Age Should Inform Your Investment Choices
Successful investing is about understanding yourself. In this episode, we speak with Oluwatosin Akinnibi, CFA, a deal advisor at a Big Four consulting firm, on how risk appetite and age should shape investment decisions at different stages of life.Oluwatosin explains what risk appetite really means, how both financial capacity and emotional comfort influence investment behaviour, and why these fac
ChatGPT and Your Wallet: Should You Trust AI for Financial Advice?
Artificial intelligence is rapidly changing how people learn about money, investing, and personal finance. But how much trust should you really place in AI tools when it comes to financial decisions? In this episode, we speak with Aisha Haruna Kolo, CFA, on the growing role of AI in finance and what it means for everyday users.Drawing on her experience in project finance, corporate strategy, and r
Diversity, Equity & Inclusion in Finance
Diversity, Equity, and Inclusion are no longer optional conversations in finance; they are essential to building stronger institutions and better investment outcomes. In this episode, we speak with Tosin Ojo, CFA, Partner at Sahel Capital Agribusiness Managers, about what DEI truly means in the finance and investment industry and why it matters, particularly in the Nigerian context.Drawing on over
2026 In Focus
In this episode, we spoke with Razaq Ahmed, CFA, President of CFA Society Nigeria and CEO/Co-founder of Cowrywise.Razaq discusses how governance and advocacy guide the work of CFA Society Nigeria and shares a clear overview of the Society’s plans, including the establishment of an endowment fund, the continued growth of the CFA Institute Research Challenge, preparations for the West Africa Confere
How Economic Policies Affect the Stock Market and Your Investments
Economic policies often feel distant and complex, but their impact on the stock market and everyday investments is very real. In this episode, we speak with Charles Chidubem Okonkwo, CFA, to unpack how government decisions shape market movements and investor outcomes.Charles explains how interest rate changes, government spending, taxation, and foreign exchange policies influence stock prices and
Building Financial Resilience in Uncertain Times
Economic uncertainty can test even the best financial plans. In this episode, we sit down with Elizabeth Ayewoh, Group Financial Controller at Norrenberger Financial Group, to break down what financial resilience really means and why it matters now more than ever.Elizabeth draws from her experience as a CFA Charterholder and chartered accountant to explain how individuals and families can assess t
Financial Management Skills for Growing Your Business
In this episode, Janice Dibia, CFA, breaks down essential financial management skills every entrepreneur needs to scale their business — from budgeting and cash flow to strategic planning and smart decision-making.
How to Build Wealth in Nigeria
In this episode, Olabusayo Onikosi, CFA, shares actionable strategies for young professionals looking to build lasting wealth in Nigeria — from smart investing to career-driven financial planning.
Financial Red Flags and How to Spot Them
In this episode, our guest Faithful T. Bob-Manuel, CFA explores key financial red flags from misleading offers to unsustainable debt, and shares practical tips on how to spot and avoid them.
How Central Banks Shape Your Investment Returns
In this episode, our guest, Kaliba Bilala, CFA, explores how central banks influence interest rates, inflation, and investor confidence, and what that means for the value of your investments.
Using Credit as a Pillar for Building Wealth
In this episode, our guest, Gbemisola Babafemi-Ojo, CFA, explores how credit, when leveraged wisely, can become a powerful tool for financial growth. From understanding credit scores to accessing strategic funding, discover how to turn borrowing into an asset on the path to wealth creation.
University Investment Club
In this episode, Damilare Ojo, CFA, unpacks everything you need to know about the CFA Society Nigeria University Investment Club program. He covers its core benefits, key purposes, and highlights the progress achieved, offering a comprehensive look for aspiring finance professionals.
Presidential Unveiling & Policy Direction with Razaq Ahmed, CFA
In this special episode of Money Talks, our newly sworn-in President, Razaq Ahmed, CFA, joins us. He shares insights on the current board's vision and mission, key policy directions, and what CFA Society Nigeria's members and stakeholders can expect in the months ahead. It’s a candid conversation about leadership, strategy, and the future.
Tapping into High-Growth Investments as an Everyday Investor
High-growth investments aren’t just for the wealthy or well-connected. In this episode of Money Talks, Tokunbo Ishmael, CFA, shares how everyday investors can access and benefit from fast-growing sectors and emerging markets
How Payments Work in the Capital Market
In this episode of Money Talks, Babangida Yahaya breaks down the payment processes, key players, and what investors need to know about transactions in the market. Whether you're a beginner or an experienced investor, this conversation will give you clarity on how funds flow in the financial system.
Protecting Financial Investments
Investing is one thing—protecting your investments is another. In this episode of Money Talks, Ayokunle Olubunmi, CFA, shares key strategies for managing risk, avoiding losses, and securing long-term financial growth. Learn how to safeguard your money in any market condition.
Smart Borrowing: How to Make Bank Loans Work for You
Loans can be a game-changer—or a financial trap. In this episode of Money Talk, Olufunmilayo Adepoju, CFA, shares how to borrow wisely, avoid common pitfalls, and make debt work for your financial goals. Whether it’s a personal loan, business financing, or a mortgage, learn how to use loans without regrets.
Encouraging Participation of Retail Investors in the Securities Markets
In this episode, our guest, Sir Sam Onukwue, explores the critical role education and sensitisation plays in encouragement of participation of retail investors in securities market.
Estate Planning for Couples
In this episode ofMoney Talks, we sit down withFakrogha, Charles Oyinmiebi, to break down estate planning in simple terms—why it matters, where to start, and how to ensure your assets are protected for the long haul.
Empowering Women to Build Wealth
Financial independence isn’t just about making money—it’s about building lasting wealth and breaking barriers. In this episode of Money Talks, we sit down with Oler Oladele, CFA, to discuss women's unique financial challenges and strategies to overcome them.
Personal Financial Budgeting
In this episode, we’re diving into the art of personal financial budgeting with David Enilolobo, CFA. Together, we explore how to take control of your finances, create a budget that works for your goals, and avoid common pitfalls along the way.
Governance and Advocacy
In this episode, the President of CFA Society Nigeria, Ibukun Oyedeji, CFA discusses governance and advocacy.
Funding Strategies for Growing businesses & Corporates
In this episode, our guest Oluebube Anele, discusses funding Strategies for growing businesses and corporate organisations.
Dispute Resolution in the Capital Markets
In this episode, we explore how disputes in capital markets are identified and resolved with our guest, Fakrogha Charles Oyinmiebi.
Recovering Lost Shares II
In Recovering Lost Shares 2, Ambrose Onyebuchi Udeaba shared invaluable insights on reclaiming forgotten investments.
Financial Literacy for Children
In this episode, Ibeleye Paul-Otu joined us to share fun and practical tips for teaching kids about money. From saving to budgeting, we explored how to equip the next generation with essential financial skills.
Financial Inclusion: Overcoming Barriers Women Face in Investing
In this episode, Adaku Ijara illuminates the unique challenges women face in achieving financial inclusion and entering the world of investing. Together, we explore practical steps to overcome these barriers and build a strong investment portfolio.
CFA Society Nigeria: Making Finance A Force For Good
Our Executive Director, Yemi Ajagun, CFA discusses the initiatives and programs CFA Society Nigeria is undertaking to empower the next generation of financial professionals.
Understanding Transaction Taxes for MSME in Nigeria
In this episode, Olanrewaju Azeez our gest, joins us to break down transaction taxes for MSMEs in Nigeria. From VAT to withholding tax, we cover what these taxes mean, how they impact small businesses, and practical tips to help you stay compliant and reduce tax burdens.
Navigating Financial Storms
Our guest, Sulaimon Ishola, CFA discusses navigating financial storms, and protecting your wallet in tough times.
Recovering Lost Shares
In this episode, our guest Ambrose Onyebuchi Udeaba discusses recovering lost shares.
Managing Quick Loans Wisely & Avoiding Debt Traps
Our guest, Funaya Peters, CFA shares nuggets on managing quick loans and avoiding debt traps.
Financial Advisory Nuggets for the Elderly
In this episode, our guest Olumuyiwa Adeyemi dishes out financial advisory nuggets for the elderly.
The Basics of Investing
In this episode, our guest, Luqman Awari-Yusuf, CFA, ACS explores the basics of investing.
Capital Allocation for Retail Investors
Our guest, Abiola Ahmed, CFA discusses capital allocation for Retail Investors - The right way to think about your money, Investments, and Credit.
The Role of Registrars In The Capital Market
In this episode, our guest, Rotimi Aleshinloye explores the responsibilities, functions, and critical role registrars play in maintaining investor confidence.
Understanding Interest Rates: A Beginner's Guide
In this episode, our guest, Hannah Agbai, CFA breaks down the complex concept of interest rates into simple, understandable terms.
Promoting Financial Inclusion
In this episode, we chat with Kingsley Aigbe, CFA, about the importance of financial inclusion. Kingsley shares insights on bringing more people into the economic system, the challenges faced, and the innovative solutions making a difference.
The Basics of Buying & Selling Securities
In this episode, Seyi Oshibolu, CFA, explains the basics of buying and selling securities, covering essential concepts to help you make informed investment decisions.
CFA Institute
In this episode, Banji Fehintola, CFA—former President of CFA Society Nigeria and current board member of the CFA Institute—delves into the various offerings, initiatives, and enduring value that the CFA Institute brings to the global finance community.
Dispute Resolution & Protection Mechanisms for Bank Customers
Our guest, Musa Bagudu, CFA discusses procedures for dispute resolution.
Dispute Resolution & Protection Mechanisms for Bank Customers
In this episode, our guest, Musa Bagudu, CFA, covers how bank customers can resolve disputes and protect their financial interests through complaint processes and consumer protection measures.
Why Investment Matters to Women
Our guest, Odiri Oginni, CFA discusses the importance of investment to women.
Cooperative Societies as Financial Inclusion Vehicles
In this episode, our guest Dr. Ogunmuyiwa Sulaimon discusses the role of cooperative societies for financial inclusion.
Investing! A Great Way to Grow Wealth Over Time
Our guest, Babajide Fadahunsi, CFA explores growing wealth via investment over time.
Putting Investment Eggs in More than One Basket
Our guest, Ayokunle Ojo, CFA discusses diversifying income and investment.
Personal Asset and Liability Management
Join us with David Enilolobo, CFA, to explore key strategies for managing your assets and liabilities. Gain expert insights on investment, debt reduction, and financial planning in this concise, informative episode!
The Impact of Financial wellness on Employee Well-being
Our guest, Sudhanshu Gaurav, CFA discusses how financial wellness impacts employee well-being.
Identifying Investment Opportunities for young adults (Gen Zs)
We discuss navigating the market and identifying investment opportunities as young adults with our guest Abubakar Jimoh, CFA.
Understanding The Stock Market
in this episode, our guest, Dr Irene Robinson- Ayanwale simplifies complex concepts like stocks, bonds, and indexes, and explores the forces of supply and demand shaping market dynamics.
Rising Inflation and its Impact on Disposable Income
In this episode, our guest, Oluwatoye Olosunde discusses rising inflation and its effect on disposable income.
