<p>I'm suing my bank account, and you have to be there.</p><p><br/></p><p>Let's rewind.</p><p><br/></p><p>The rain and sun had since bid farewell and left me with their relative—the wind.</p><p><br/></p><p>You're already here.</p><p><br/></p><p>I'd just received 10,000 Nigerian Naira. </p><p><br/></p><p>The joy wasn't to last.</p><p><br/></p><p>Me: Why would I check my balance and see 5,999?</p><p><br/></p><p>You: What happened?</p><p><br/></p><p>Me: Subscriptions! And VAT and tax and everything in between!</p><p><br/></p><p>You: Ah. At this point I feel there should be professional "money trackers.”</p><p><br/></p><p>Me: You get.</p><p><br/></p><p>You: So why are we suing your bank account?</p><p><br/></p><p>Me: Good question. You'll find out in court.</p><p> (During interrogation)</p><p>Me: What do you have to say for yourself?</p><p><br/></p><p>B.A: I have needs.</p><p><br/></p><p>Me: With my money?</p><p><br/></p><p>B.A: Our money.</p><p><br/></p><p>Me:(In shock)</p><p><br/></p><p>B.A: National crisis? </p><p><br/></p><p>Me: Don't you dare. I'll sue you.</p><p><br/></p><p>B.A: Sue me.</p><p><br/></p><p>You and Me: (exchange glances)</p><p><br/></p><p>Me(again): Where were you on the night the money disappeared?</p><p><br/></p><p>B.A: (smirks) enjoying your money. I don't have to explain anything.</p><p><br/></p><p>Me: Just answer these questions. </p><p><br/></p><p>You and Me: (bring out our notebooks)</p><p><br/></p><p>Me: What did you do with ₦50?</p><p><br/></p><p>B.A: Service fee.</p><p><br/></p><p>Me: How did the subscription apps know I had money?</p><p><br/></p><p>B.A: I simply alerted them. Told them we're rich.</p><p><br/></p><p>Me: Ah. </p><p><br/></p><p>You: What did you do with ₦1?</p><p><br/></p><p>B.A: (grins) Just because I could. I do that to everyone. You're not special.</p><p><br/></p><p>(Phone buzzes)</p><p><br/></p><p>Me: Payment received?</p><p><br/></p><p>Me: (checks) ₦5,996.</p><p><br/></p><p>Me: Wait... You removed more?</p><p><br/></p><p>B.A: You owed me!</p><p><br/></p><p>Me: That's it. We're going to court.</p><p><br/></p><p>You: (checking your account) right behind you.</p><p><br/></p><p>O-kay! Welcome back. Let's talk.</p><p><br/></p><p>Does your money also disappear before you get to spend it?? One minute I'm rich; the next, there's -₦3 in my account and I'm begging Airplane mode for data.</p><p><br/></p><p>It's not even funny. At this rate, I won't be called broke. I'd probably be labelled impoverished.</p><p><br/></p><p>Before you talk, can't you see it's a national crisis? Abi you're not affected?</p><p><br/></p><p>Anyway, let me know what you think. This is the second to last episode.😫</p><p><br/></p><p>Thank you guys for your patience and consistency. Much love!</p>
At the end of the month, we give out prizes in 3 categories: Best Content, Top Engagers and
Most Engaged Content.
Best Content
Top Engagers
Most Engaged Content
Best Content
We give out cash prizes to between 7 and 20 community members with the best insights in the past month.
The winners are picked by an in-house selection process.
The winners are NOT picked from the leaderboards/rankings, we choose winners based on the quality, originality
and insightfulness of their content.
Here are a few other things to know for the Best Content track
1
Quality over Quantity — You stand a higher chance of winning by publishing a few really good insights across the entire month,
rather than a lot of low-quality, spammy posts.
2
Share original, authentic, and engaging content that clearly reflects your voice, thoughts, and opinions.
3
Avoid using AI to generate content—use it instead to correct grammar, improve flow, enhance structure, and boost clarity.
4
Explore audio content—high-quality audio insights can significantly boost your chances of standing out.
5
Use eye-catching cover images—if your content doesn't attract attention, it's less likely to be read or engaged with.
6
Share your content in your social circles to build engagement around it.
Top Engagers
For the Top Engagers Track, we award the top 3 people who engage the most with other user's content via
comments.
The winners are picked using the "Top Monthly Engagers" tab on the rankings page.
Most Engaged Content
The Most Engaged Content recognizes users whose content received the most engagement during the month.
We pick the top 3.
The winners are picked using the "Top Monthly Contributors" tab on the rankings page.
Contributor Rankings
The Rankings/Leaderboard shows the Top 20 contributors and engagers on TwoCents a monthly and all-time basis
— as well as the most active colleges (users attending/that attended those colleges)
The all-time contributors ranking is based on the Contributor Score, which is a measure of all the engagement and exposure a contributor's content receives.
The monthly contributors ranking tracks performance of a user's insights for the current month. The monthly and all-time scores are calcuated DIFFERENTLY.
This page also shows the top engagers on an all-time & monthly basis.
Below is a list of badges on TwoCents and their designations.