<p style="text-align: center; "><strong><em>Written inside TwoCents Restaurant & Café staring Tobi Igbinedion & Delight Paul</em></strong></p><p><br/></p><p>---</p><p><br/></p><p>It was another busy evening at <strong>TwoCents Restaurant</strong> & Café. Plates clinked, espresso machines hissed, and conversations floated through the air like background music. At a corner table, a small group debated success—loudly.</p><p><br/></p><blockquote>“Dangote had a rich uncle.”<br/>“Otedola’s father was a Governor.”<br/>“Alakija knew Maryam Babangida.”</blockquote><p><br/></p><p>Delight, seated near the counter, rolled her eyes. She had heard it all before—online, offline, everywhere. The same conclusion every time: <em>They were lucky. They had connections. That’s why they made it.</em></p><p><br/></p><p>Her father, <strong>Tobi Igbinedion</strong>, overheard the conversation as he wiped down the counter. He smiled—not because he disagreed, but because he knew what was missing.</p><p><br/></p><p>“<em>You know</em>,” he said calmly, “<em>everything they’re saying is correct.”</em></p><p><br/></p><p>Delight looked up, surprised.</p><p><br/></p><p>“<em>Yes</em>,” he continued. “<em>Many of these billionaires <strong>did</strong> have a head start. They had access. They had connections. That part is not a lie.”</em></p><p><br/></p><p>He paused, then added the part people usually avoid.</p><p><br/></p><p>“<em>But if you think that’s the <strong>reason</strong> they are wealthy, you’ve missed the lesson</em>.”</p><p><br/></p><p>---</p><h3><strong>First Lesson: Access Is Not Success</strong></h3><p><br/></p><p>Tobi leaned forward.</p><p><br/></p><p>“<em>Do you know how many rich kids were in Lagos in the 1980s? How many people had access to military generals, politicians, oil money?</em>”</p><p><br/></p><p>Delight shook her head.</p><p><br/></p><p>“<em>Thousands</em>,” he said. “<em>Where are most of them today?”</em></p><p><br/></p><p>Silence.</p><p><br/></p><p>“<em>They squandered it. They drank it. They drove it. They crashed it. They inherited companies and destroyed them.”</em></p><p><br/></p><p>Then he lowered his voice.</p><p><br/></p><p>“<em>Dangote took a loan from his uncle—and paid it back in three months. If discipline was missing, that money would have disappeared into enjoyment.</em>”</p><p><br/></p><p>He smiled.</p><p>“<em>The advantage only handed him the ball. </em><strong style="">Execution scored the goal</strong><em>.”</em></p><p><br/></p><p>---</p><p><strong style="color: inherit; font-family: inherit; font-size: 24px; background-color: transparent;">Second Lesson: You Are Ignoring Your Own Advantage</strong></p><p><br/></p><p>Tobi gestured toward Delight’s phone on the counter.</p><p><br/></p><p>“<em>You’re upset that Otedola had a Governor for a father, yet you’re reading this world on a smartphone with more computing power than what NASA used to send men to the moon</em>.”</p><p><br/></p><p>He counted softly on his fingers.</p><p><br/></p><blockquote>“You have access to the Internet—<strong>knowledge</strong>.<br/>You have social media—<strong>distribution</strong>.<br/>You have AI—<strong>intelligence on demand</strong>.”</blockquote><p><br/></p><p>Then he laughed lightly.</p><p><br/></p><p><em>“In 1977, Dangote had none of these. He traveled physically just to get information. You have a head start that would make a 1980s billionaire jealous.”</em></p><p><br/></p><p>He looked her in the eyes.</p><p><br/></p><p>“<em>The question is not <strong>what you have</strong>. The question is </em><em><strong>what are you doing with it</strong></em><em>? Building—or complaining?</em>”</p><p><br/></p><p>---</p><h3><strong>Third Lesson: The Multiplier Rule</strong></h3><p><br/></p><p>“<em>Life is not fair</em>,” Tobi said plainly. “<em>Some people start at Level 1. Others start at Level 10.”</em></p><p><br/></p><p>He tapped the counter.</p><p><br/></p><p>“<em>But wealth is not determined by where you start. It’s determined by your <strong>multiplier</strong></em>”</p><p><br/></p><blockquote>“If you give a lazy man ₦10 million, he’ll turn it into ₦0.<br/>If you give a disciplined man ₦10,000, he’ll turn it into ₦1 million.”</blockquote><p><br/></p><p>He smiled again.</p><p><br/></p><p>“<em>Stop staring at their <strong>start.</strong> Study their <strong>sprint</strong>.”</em></p><p><br/></p><p>---</p><h3><strong>The Final Reality Check</strong></h3><p><br/></p><p>“<em>The real lesson from these billionaires is not ‘have a rich father</em>,’” Tobi said.</p><p>“<em>It’s this: <strong>when opportunity lands in your hands, do you have the discipline to multiply it?</strong>”</em></p><p><br/></p><p>He paused, then added:</p><p><br/></p><blockquote>“Cosmas Maduka started with nothing.<br/>Innoson started with nothing.<br/>Chief Chidi Anyaegbu of Chisco started with nothing.”</blockquote><p><br/></p><p>He spread his hands.</p><p><br/></p><p><em>“So even if you dislike the ‘rich kids,’ what’s your explanation for the ‘street boys’ who made it?”</em></p><p><br/></p><p>Delight nodded slowly. The noise of the café faded into clarity.</p><p><br/></p><p>---</p><h3><strong>TwoCents Takeaway</strong></h3><p><br/></p><p>Stop analyzing their privilege.</p><p>Start utilizing your own.</p><p><br/></p><p>Opportunity is common.</p><p>Execution is rare.</p><p><br/></p><p>And that difference changes everything.</p><p><br/></p><p style="text-align: center; ">---</p><p style="text-align: center; "><strong>Until next time — stay wise, stay grounded, stay brewing. ☕</strong></p><p><br/></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 7 people with the best insights in the past month. The 7 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.
All-time Contributors
All-time Engagers
Top Monthly Contributors
Top Monthly Engagers
Most Active Colleges
Contributor Score
The all-time ranking is based on users' Contributor Score, which is a measure of all
the engagement and exposure a contributor's content receives.
Here is a list of metrics that are used to calcuate your contributor score, arranged from
the metric with the highest weighting, to the one with the lowest weighting.
1
Subscriptions received
2
Tips received
3
Comments (excluding replies)
4
Upvotes
5
Views
6
Number of insights published
Engagement Score
The All-time Engagers ranking is based on a user's Engagement Score — a measure of how much a
user engages with other users' content via comments and upvotes.
Here is a list of metrics that are used to calcuate the Engagement Score, arranged from
the metric with the highest weighting, to the one with the lowest weighting.
1
A user's comments (excluding replies & said user's comments on their own content)
2
A user's upvotes
Monthly Score
The Top Monthly Contributors ranking is a monthly metric indicating how users respond to your posts, not just how many you publish.
We look at three main things:
1
How strong your best post is —
Your highest-scoring post this month carries the most weight. One great post can take you far.
2
How consistent the engagement you receive is —
We also look at the average score of all your posts. If your work keeps getting good reactions, you get a boost.
3
How consistent the engagement you receive is —
Posting more helps — but only a little.
Extra posts give a small bonus that grows slowly, so quality always matters more than quantity.
In simple terms:
A great post beats many ignored posts
Consistently engaging posts beat one lucky hit
Spamming low-engagement posts won't help
Tips, comments, and upvotes from others matter most
This ranking is designed to reward
Thoughtful, high-quality posts
Real engagement from the community
Consistency over time — without punishing you for posting again
The Top Monthly Contributors leaderboard reflects what truly resonates, not just who posts the most.
Top Monthly Engagers
The Top Monthly Engagers ranking tracks the most active engagers on a monthly basis
Here is what we look at
1
A user's monthly comments (excluding replies & said user's comments on their own content)
2
A user's monthly upvotes
Most Active Colleges
The Most Active Colleges ranking is a list of the most active contributors on TwoCents, grouped by the
colleges/universities they attend(ed)
Here is what we look at
1
All insights posted by contributors that attended a particular school (at both undergraduate or postgraduate levels)
2
All comments posted by contributors that attended a particular school (at both undergraduate or postgraduate levels) —
excluding replies
Below is a list of badges on TwoCents and their designations.
Comments