Do you think saving money is only for people who already earn? Think again. Many teenagers across Nigeria believe that saving is something they will start “later”—when they finally begin to earn money. You may have heard statements like:

• “I don’t even have money to save.”
• “When I start working, I will start saving.”

It sounds reasonable… but it is not true. Here is a powerful truth you must understand early: If you cannot save small money, you will not be able to save big money. Saving is not about how much money you have. Saving is about your mindset, your discipline, and your daily habits…