Love vs. Lifestyle: The Financial Truth About Relationships
<p>Let’s wake up, gentlemen. You’ve been told to study her smile. Her mood swings. Her circle of friends and background.</p><p>But if you really want to know the woman you’re dating?</p><p><br/></p><p>Check her numbers.</p><p>Because the same way you evaluate a bad business, You evaluate a bad bet in marriage.</p><p>And guess what? The financials never lie.</p><p><br/></p><p>Walk with me 🚶</p><p>1. If Her Lifestyle Beats Her Earnings… You’re the Exit Strategy</p><p>She makes 30k a month.</p><p><br/></p><p>But she’s living like she earns 100k</p><p> New nails every weekend</p><p> Spa and owambe Saturdays</p><p> Skincare shelf that looks like a pharmacy</p><p> Monthly wig rotation</p><p> PJ night with the gyals </p><p> Uber everywhere—but never to work</p><p>Wait first...</p><p>Now ask yourself: Where’s the money coming from?</p><p>If she says her parents—bad news.</p><p>She’s never known independence.</p><p>And the day daddy’s ATM card stops working? You’re next.</p><p><br/></p><p>If it’s from a man—run.</p><p>You’re not building a family.</p><p>You’re a softer sugar daddy replacement.</p><p><br/></p><p>And if she says “I just manage well”?</p><p>Audit her again.</p><p>Because someone somewhere is managing it for her. </p><p><br/></p><p>2. A Woman With No Financial Accountability Has No Consequences</p><p><br/></p><p>She spends her income at once “just once.”</p><p>She’s always “treating herself” after a bad day. She has debts—but “they’re small.”</p><p><br/></p><p>She has subscriptions she forgot about,</p><p>clothes she never wore, unnecessary gym registrations she couldn't even commit to,</p><p>and goals she never met.</p><p><br/></p><p>But she’s looking for a husband to “build with.”</p><p><br/></p><p>Let me tell you the truth:</p><p>If she can’t manage her ATM, she can’t manage a home. And if she doesn’t fear debts? She won’t fear the cost of breaking your peace.</p><p><br/></p><p>3. Her Financial Habits Predict Her Relationship Habits. Here’s the cheat code:</p><p>Overspending? Emotional chaos.</p><p>No savings? No long-term thinking.</p><p>No budget? No boundaries.</p><p><br/></p><p>Always borrowing? Always blaming. Money magically appears? She’s someone’s “side investment.”</p><p>It’s the same spirit that makes her say:</p><p>“I didn’t know I was pregnant.” </p><p>“He changed after marriage.” </p><p>“I thought I could fix him.”</p><p><br/></p><p>Lack of foresight. </p><p>Lack of accountability. </p><p>Lack of truth.</p><p>You don’t need a prophet. You need a spreadsheet.</p><p><br/></p><p>4. “I Deserve It” Is Her Favorite Justification for Everything</p><p>She doesn’t know what sacrifice feels like. She’s never had to choose between rent and lipstick. She wants luxury—but hates labor.</p><p>She says she wants a partner…But what she’s really looking for is a sponsor.</p><p>And if she’s already used to a certain lifestyle? She’s not adjusting it for love.</p><p>She’s upgrading the host.</p><p><br/></p><p>5. You Can Fake Love—But Not Financials</p><p>You can filter your face.</p><p>You can caption your trauma.</p><p>You can write whole novels on how “it wasn’t your fault.”</p><p><br/></p><p>But numbers?</p><p>They don’t play along. How much does she spend?</p><p>Who pays for what?</p><p>What debt does she carry?</p><p>Does she invest—or consume?</p><p><br/></p><p>This isn’t about being materialistic.</p><p>This is about being mathematically safe.</p><p><br/></p><p>Before you give her your name,</p><p>Before you add her to your legacy</p><p>Before the Altar—Call the Auditor</p><p>Her figure might make sense.</p><p>Her body might tempt you.</p><p>Her words might soothe you.</p><p><br/></p><p>But the numbers will expose her.</p><p>– They’ll show you the lies.</p><p>– The dependencies.</p><p>– The red flags she calls “just vibes.”</p><p><br/></p><p>Because everything you need to know about a woman…Is hiding in how she spends.</p><p><br/></p><p>So next time you meet “The one”? Don’t fall for her story. Abeg Country don hard pass to dey marry liability 🙏</p><p>Follow her receipts.</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.
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.
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.
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