I started with ₦0. Not ₦5k. Not ₦1k. Zero.
It was 2021. Car wash was slow. Loan app was disturbing me. My pocket was empty.
I told myself: If I don’t do something this week, I’ll borrow again.
That week I made my first ₦10,000. Without capital.
Here’s exactly how I did it.
I almost closed my car wash.
That was 2022. No customers. Debt. Loan apps calling.
But 3 lessons saved me. Not big school grammar. Just street lessons that work in Nigeria.
If you’re doing business here in Ibadan, Lagos, or anywhere in Nigeria, these 3 will save you too.
May 2026. My phone rang. "Hello Oluwamuyiwa, your loan of ₦10,000 is due today.
I borrowed that money 2 weeks ago to buy data and cook stew. Not business. Not investment. Just lifestyle.
By the time I paid back ₦12,000, my salary had already entered and finished.
March 2026. Salary entered ₦120,000. By day 18, I was begging for transport. NEPA, food, rent, family. One salary could not carry all. I sat down and said: "Oluwamuyiwa, if this is your only money, you will be broke forever."