<p>I made my first million when I was 12 years old. Relax, it wasn't exactly 1 million naira; it was 3,000 naira. Looking back, it did feel like a million naira. Don't judge me, and please read till the end to get the real gist. You see, when I was 12, SEGA and PS 2 were in Vogue, and it just happened that my neighbour's kids had hem. I remember going to their houses to indulge in what appeared to be revolutionary and, in many regards, a status symbol. </p><p>I remember repeatedly telling my mom to buy us a game too, but she didn't. I'm not sure we ever asked our dad to buy it! Don't ask me why! We never got the game, but we learned a valuable lesson, and I believe you will too. At that time, my mom had a savings business where she kept money for people and took a percentage for helping them save. My mom is part of the OG's of this traditional Fintech industry. Piggyvest should pay for her master class! She told us that she would buy an 18- or 16-bit game, but it would be from the money that we would save. <br></p><p>She did the breakdown for us on how long it would take to reach our desired figure. I was sincerely hooked. I was saving from the pocket money my parents gave me daily for probably 3 months to arrive at my target. I believe it was 50 naira per day. I remember joining my classmates to trek home multiple times just to enable me to save more. Ladies and gentlemen, it gladens my heart to say that going with my mom to that game shop felt heavenly. I held that carton as though it were an egg, and I smiled deeply. I'm other words, Joy been wan kill me!</p><p>The funny thing is that even after purchasing the game, we still had to play it on schedule. This was because my parents didn't want us to get hooked and lag academically.</p><p>Savings may not make you wealthy, but it can help you build the character of wealthy people. The values that stem from being consistent cannot be overemphasized. Saving at a young age taught me consistency. It was hard, and there'll be days when it doesn't look or feel like it's worth it, but you do it anyway. Mastery of any craft is showing up no matter what. Beyond showing up, it's embracing resilience and fighting mediocrity. Saving will make you prioritize. The truth is that adulthood is simply a series of debit alerts. So, you will have to learn how to spend wisely. You must deprive yourself responsibly! I'm not saying you should stay hungry or refuse yourself the basics or things that are seemingly important. I'm just informing you that "SACRIFICES MUST BE MADE."</p><p>Like many things in life, appetite is learned. If your goals mean a lot to you, you have to pay the price. Today, there are many platforms, such as Piggyvest and Cowrywise, designed to help you save and invest your money. Even our traditional banks now have their own distinct apps for savings and investment. Nigerian artist Priest has a catchphrase in his song Osimen, which is "Only Jesus saves; as for me i be big spender!" It's a cool line, but abeg save ooo. It's a beautiful thing for one to build a savings culture. Look beyond the numbers and embody the values.</p><p>Thanks to my mom (Mammalistic) for teaching us to save at a young age. Yup, that's how I made my first million.</p><p>What are your thoughts on saving?</p><p>Tell us how you made your first million?</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