 According to American Singer Chair, women are the real architects of the society. It's all women today on The Advocate. I will be talking about validation today. Who do we entrust with validating us? Friends or family members? Making a debut is Titi Ibilola and she's here to educate us on financial literacy. Titi Lope Aue speaks on post-nuptial agreements and finally, Ennitor wants to clear the air on the differences between entrepreneurship and employment. Sit back. Your panelists are here to discuss the issues in an atmosphere of laughter and seriousness. Stay with us. Validation. Who should validate us? Let's discuss validation. This strange question came to my mind. Who should we entrust with validating us? Should it be ourselves, our spouses, our friends or our family or maybe even random strangers? Validation in this concept is the act of receiving commendation or approval or even praises for who we are or what we have done. Validation is critical to us all as human as it reaffirms our confidence and strengthens us to keep on going. Validation can come in form of people, make it a call to encourage you or to tell you bravo, you are good enough or when someone says words that put you in a better place and makes you want to strive for better. Everyone wants to be validated. Everybody needs to be validated. Validation can make you see yourself in a different light. It makes you believe you can do anything, gives you superpowers or at least a sense of one. Validation gives us the courage to tap into a part of ourselves that we do not know existed. When validated, we feel accepted, respected, wanted and loved. In the pursuit for validation, we must be very wary of whom we give this sensitive responsibility to. This is because the person that has the power to validate you also has the power to tear your self-esteem into shreds at the slightest provocation. Just a short while ago, I put out a poll asking the question who is responsible for validating us. The response was quite diverse with some noting that our family is responsible for validating us because they know us very well. Some said friends because they are always with us. They must be able to encourage us and push us further and continue to chair us on. Others selected the spouse option, noting that after all, we are going to be together forever. So they must encourage one another to succeed. It is their responsibility to validate you at every turn. A few responses selected the self-option, i.e. self-validation. They noted that one must be able to look into the mirror and validate oneself. They argued that this will make you less dependent on others and what they think about you. So what is my opinion on this matter? After all, it's an opinion piece. Personally, I believe that all of these people should validate us, at least to an extent. However, I strongly align with self-validation. It is our responsibilities to validate ourselves. Indeed, you must be able to look in the mirror and chair yourself up. Something very similar to what Isarei of the TV series, Insecure does. My position is premised on the fact that every other person is human and does imperfect. On some days, when they are feeling bad or gray, they can hurt you. They can hurt your self-esteem. This is because they understand and they know your insecurities. So while our family, friends, spouses, and random strangers can validate us, we must strive for self-validation. I wonder why I took a deep breath. But I honestly, I guess the whole opinion piece kind of threw me back a bit in the sense that I didn't see it coming. Yes, I know. But at the same time, I strongly would say I agree with you about self-validation. I align with the principle of self-validation. But one thing I have seen with principles around self-validation, your own perception, and everything is that we're tending to become slightly self-centered. So it's almost like, if I've already told myself I'm good enough, if I've told myself that I'm great enough, if I've validated my sense of being and importance, then what you or you actually come to the table to say to me, can we put to the backbone? But personally, naturally, my first option would be self-validation because like you rightly said, if somebody else validates you, and that's your strongest source of validation, they have the same power to tear you down. And I mean, I can say that from personal experience because for a long time I had a best friend who was like my, that was leader. And the person hasn't torn me down per se, but I realized that the dependence on other people's validation was a tad bit too much. I don't know what your experience has been like. I strongly agree with self-validation. I recently just had to tell someone something like, I see her, she has a drive to succeed, but she's always listening to what people have to say. I watch her, like my sister would call it, exactly. And I had to tell her and I said, you have to think, what do I want? Where should I be right now? Then work towards it. Don't concern yourself too much with what others think because that will slow your own progress down because they're living their lives. And this is a true life situation. She's a makeup artist. Someone advised her that leave this makeup and go into influencing. And then she decided that, okay, I'll do that. And then she abandoned makeup and went into influencing. Six months down the line, that person is still in makeup. Oh my goodness. She's struggling with influencing. Now she wants to go back to makeup. And I said, you see, you see why listening to other people is not going to get you far in life. You need to validate yourself and know where you want to be. I don't know. Titi, do you watch your thoughts on this whole self-validation or non-self-validation? I agree with your self-validation first. However, have your ears out for loved ones to see whether they can also keep you in check where you feel like you're going out of line. But the most important is how you feel about yourself, your self-esteem. You analyze yourself and process yourself first before carrying other people out. So that way, whatever information you are being passed is just coming as an add-on as opposed to changing the whole way you feel about yourself. So self-validation definitely. Well, let me chip it. Let's look at it from this angle. Okay, so I have two daughters. I have this vocational 12-year-old self-independent, a leader type, a personality all the way, cleric all the way. Okay, then I have another daughter who is quite melancholy. And you have to push her. And when I close my eyes to say prayer, I keep saying, God, help Titi believe in herself. Help Titi know that Titi, because what I now did was I printed so many self-validation words. I'm a type of a personality, so I validate myself. I don't need nobody. So imagine suddenly this is my seven-year-old. She'll say, I can't do it. And I'm like, so I just printed like 10 different self-validation quotes. Tissier can, so she does. Tissier believes, Tissier achieves. How do you get children to actually understand that they need to imbibe self-validation, particularly when it doesn't come to them naturally? See, I think that, I mean, as a mom, and because I have kind of related with you before now and again, I almost think that with the two personalities, I think we kind of, as parents, as mothers especially, we are kind of meant to guide them, lead them, and let them be the best specials themselves. Sometimes, as mothers, we want them to be, because it's really when we are full, full of people like us, we want them to be all up there, all everything, all the energy, let them bring the energy to the room, let them have my first interest in it. In my case, it's the opposite. My younger daughter is the one that is, oh my goodness, her type A is worse than mine and maybe yours. And sometimes, I'm thinking like, really? She's my first time to reach out. No, no, no, we have to learn that. At some point, like, my baby girl, you're becoming a bully. Like, she's so all out. And her older sister is so, she's, yes, there too, but she's so timid about, and she doesn't want to fail at anything. True. She steps back from even going forward and says, I can't do that. And we're like, no, you can't. You can't. But all that I have learned to be able to maybe answer this query that you kind of brought up about, you know, people, children who maybe don't exhibit the self-validation that we full force people do exhibit, might be to actually just allow them to bloom in their own time while putting their hand behind. Well, sometimes waving a bit too much for them. True, right? Well, sometimes too strong for them. I also think we, if you affirm them more. True. She does something small and you celebrate it. You encourage her and you make it a big deal. She then builds confidence in herself. Yes, but then it comes up. No wonder we're learning now to swim. Pamela, of course, she's an award-winning swimmer, you know. And Tisha for me went, well, went to the same swimming school. And we said, Tisha, you're six. I believe that by six everybody's ready to go. Now start your swimming classes. She did learn to swim in five lessons. But Tisha will never go the full length. She said, Moby, see, I can't swim. And she got this way. And I'm like, my money is not vertical. You know, so I just keep saying to say, Tisha can do it. So she does. Tisha can do it. So she does. So truly, not everybody is self-independent and self-validate as we are. But at the end of the day, it's important, it's pertinent that you must remember that if you put that responsibility in the hand of somebody else, you have also given them the authority to shred yourself and sing at every given time. Financial literacy. We're all taught how to earn a living. We go to school and get degrees for careers that are expected to equip us with the potential to earn money. We get jobs where we earn millions of Naira, but we're not taught how to manage or keep the money that we make. We're not taught budgeting, saving or financial planning. We're not taught how to invest or attain financial freedom. Only those who study business-related courses are taught this in school. Financial knowledge is so important that it should be taught in primary school to everyone. This omission is the reason why people struggle so hard trying to make money and sometimes end up in debt. Why people with well-paying jobs end up in debt? Why people end up in debt? Why lots of people end up in debt? Money. We're not taught that there's an abundance of money or that money can be made anywhere in the world. That we only need to focus on creating value because money can be exchanged for value. Discipline. Financial discipline is a must for anyone who wants financial freedom. You must discipline your mind to see money as a means to an end and not an end in itself. Financial discipline is a choice that every adult must make if they aim to attain financial freedom. Discipline is why it's easy for one person to save money diligently every month and another person will spend their entire month's salary in two weeks. Discipline is a habit that can be learned. Robin Sharma says new habits become old habits when you do them every day. Budgeting. A budget is a plan prepared before income is earned. It details exactly where the earnings will go. A budget will help you determine if you will have enough money to spend in a month. A budget helps you to balance your expenses with your earnings. It helps you identify gaps and surpluses so you can adjust your plans when required. If they don't balance and you spend more than you make, you will have a problem that can lead to debts. Budgets are not only useful when you have debts. If you utilize properly, a budget can help you put aside a healthy emergency fund for the rainy day. Savings. Savings refer to money that is set aside from earnings to be used at a later date. Savings is a deliberate act. It should happen whenever you earn an income and this does not apply to only salary earners. Setting money aside in a savings account or an emergency fund can be a lifesaver and the lack of savings can rob you of the ability to make decisions that can improve your life. The reason why most people have issues with saving a portion of their income is that they believe their income is not sufficient for their needs. The truth is that no matter how much you earn, your needs will keep rising to meet your earnings. Financial literacy is needed by everyone. And you decided to break the table. You smashed it, you broke it. Interesting that we're discussing this. I remember that personally for me, a few years ago it was a major struggle. Let me pretend that it was because you know how we speak positive these days but I really truly like the idea that this is something that you're talking about because I remember that back then I kept on asking questions that who will teach me how to really make money, keep money, save money, build a lifestyle that I really wanted and that quest got me engaging a financial advisor and saying again what do I do? How do I actually plan okay so this is my monthly income and everything but there was something you said about how we're not taught and I remember that my layman's space, I remember I hated accounting as a subject in secondary school. Like I just thought to myself that it was evil. That maybe we actually might have been taught in some way but the presentation of it was as a subject to be passed and not as a way to save our lives. I don't know but then I mean it's sad that as an adult I have to come back to that same space that I really hated and I ran from considering that my mom was an accountant. But I must applaud you TT. Why would I do that? Because I'm an accountant and I belong to several accounting institutions but it didn't occur to me to actually come out and start advocating for the financial literacy. On that table, I'm not on that table, I'm an avid saver, I invest, the last time I had an emergency I realized that I had over 15 different investments and I liquidated it and I was more than you know buoyant but I'm an author of children picture story books and I have two books of financial literacy for children because I personally believe that if you want to breed responsible adults, I'm sorry well my colleague is not, my colleague doesn't, is not the channel to adults. I breed younger children, everything I know I point into my children, everything I know that makes me who I am, I point into children around me. So to that extent my children are savvy and they understand that saving is critical, investment is the next level to saving, they understand that you can't just be spend at the spot of the moment. So for me, I will line with you and I'll say forget second school accounting, at that age, you're not a stock trader right? Catch them you want, take them about money at that level, I'll break it down. Yes I completely agree, I was just going to say that I have two kids, one is six and one is three and as little as they are they have their piggy bank so every time someone gives them any catch, they know that oh that money is going straight into their piggy bank and so on, was it yesterday? I needed cash, I didn't have any cash I went to give them money. Mommy, mommy, mommy, we didn't have any money. Can I say it to her? Make sure you pay back the interest. Two thousand five hundred Naira from me and she goes yes mommy, you're going to pay but you're going to pay with some more money or anything like that. Oh girl. So it's very important that they understand money from a very young age, they know that you don't spend as you receive, they know that you save, they know that you can even make money from having money, so it's really really important at a very very young age. That's true. And I remember when we got married, one of the things that shocked myself and my husband that we suddenly realized that we had to pay bills. That's a rude shock for a lot of people. At the post, I had to call my parents and say daddy, mommy, yes, how did you know? You didn't explain to me that, you know, we're buying gas, we're paying electricity, we're doing this, but I'm not going to call this father daddy, how far now? What's going on in my head? This is what I said, bros, you're not the man of your house, you have to hold your breath up. So I think they left it till too late. Yeah, we need to start it now. Should we need to start it from the grassroots? They need to understand. I was having a conversation with my son and he said, oh, mommy, I can't wait till I go to America and start to earn money. And I said, come, call your brother, call your brother. There's exactly what he said. And I said, money is here in Nigeria. There's money in Togo. There's money all around us. You just have to find value, give people value, you will get money. There's no scarcity of money anywhere. Billionaires being made here. I just felt like, okay, I've left it a little too late. I need to start that right now. True, true. And I think one of my founding courses when I was doing my PhD, family wholeness and wellness, this professor came into class. I went to Bacock, so it was a Christian school, and he was talking about parenting. And I was like, oh really, let me listen about parenting. And one thing I took away from that, because I will never forget, I keep telling parents and mothers is that the professor said, for you to be a good parent, you must pour yourself into your child. That means as you're going through life, your challenges, you're sharing with your children, your success, you're sharing with your children, your business, your emotional imbalance, you're sharing with your children. Oh, check my post. I have 2,000 naira. What do we want? Oh, we can't buy ice cream today. We have to buy yam in the house. Let us keep 2,000 naira. Okay, maybe we should just buy the small ice cream, 100 naira today. Next time, we can go to cold stone. Now my children will tell me, Mom, don't worry. We don't need 2,000 naira ice cream. Just buy fan ice cream. It's 200 naira. We'll go to the pharmacy and get it. So as parents, we must be conscious to ensure that we can actually carry our children along. We can pour ourselves into them. And of course, well, you have to have that financial habit before you can point it to the child now. Because if you don't do it, they would pick it up still. So be deliberate about it. Oh, true. When everything falls apart and they realize that, oh, they need to manage their finances better, then they will pick it up. Up next is Titi. Stay with us. Post-nuptial agreement. Ever wondered how assets are shared between couples in the event of a divorce or separation? Where parties have signed post-nuptial agreements? After being married for five years, Ada is making very good money from her several tech deals. She decides for the safety of her children that a post-nuptial agreement be entered into with her spouse. It's worthy to note that Ada is worth much more than her husband. However, her husband took an offense and stated she was already foreseeing an end to the marriage because she had started earning more money than him. Their parents condemned Ada for suggesting such an agreement, and this has caused a major rift between the couple. Ada is still adamant on the post-nuptial agreement. The post-nuptial agreement, also referred to as a post-marital agreement, is a legal document designed for couples who are married or in a civil union. Although similar to a pre-nuptial agreement, post-nuptial agreements are entered into after the marriage has commenced. It establishes how the couple's assets will be divided in the event of a divorce or legal separation, and the amount, if any, for a spouse or support that one spouse will pay to the other if the marriage ends. What should Ada do? There's something you are hiding. First of all, we have married the marriage already. We are in need five years inside it. You are now successful in your business. That success was the man not there. Behind every successful woman is a man. Now, if you want to safeguard your children, your faith that your children, very, very simple now. See, I was just talking about investments. The investments I was liquidating were not in my name now. As many as I give back to a child, I have three. I can't shout or more. Straight up, three investments in your name, your account is set up, your life insurance policy in your name is set up, and you're my next of kin. But for you to now come and tell your husband to come and sign paper now, right now. If he was the man that does it, we would do this. No, no, equity. No, sorry. I think that while that might be the natural, sometimes assumption, and maybe why the parents are talking, I think that at this point in time, before we look at blanket situations, the questions that I would personally look at and I would take in this situation would be to actually go be, leave the bill as an and I can sense that this conversation is coming from a legal standpoint. I will leave the bill and say to myself, what are the red flags or signals or signs or reasons behind the decision to have this agreement? So then my, let's ask ourselves, it's not, and I do not subscribe to behind every successful man or woman is the other person. The first person that is behind is yourself and then the university, your partner, whatever it is. So what I'm going to say here, right here is this. There is a reason to check what are the spending or financial habits of the other partner. And whether it was a man that came up with it or a woman that came up with it, any party is allowed. There's a freedom of decision with the fact that we're joined together doesn't mean that I should not be able to make decisions. And we are moving from my society where I mean, I don't know how to put it without going out of place, but what I'm trying to say here is that and that cannot be entirely said to be unclean for wanting to do that. But all I would then say is that in a situation where there's really no discord or there are no other things, maybe there's a possibility that she needs to look and say, okay, what kind of, I mean, what kind of planning or agreement or plans can we make? Because in the different definition given of a post-noctal agreement, it's in the event of a suppression or a divorce. And so that finality around it kind of puts a problem. But if there's another type of planning that can be done, and this is where I would now want to agree with Ejimai, in terms of, okay, what kind of investment or decisions or budgeting or planning can be done. But even at that, you still need to have the conversation with the other party and the person may not even, not every woman is an eight type person, unable to just make those decisions as to what to do with their money or how to invest it. And so if for any reason, hands are tied or something, please, Ada, go on, have that agreement. My question and my concern is how legal is this? Is this allowed by law? Very legal, yes, very legal. Yes, it's presented by two parties. If the husband agrees, if the husband agrees and they both decide to go ahead, then it is very legal. It's just like an actual agreement. So if she believes or she sees reasons that make her decide that, okay, just in case something happens, I want to be sure that these guys won't give me my money or vice versa. I don't think there's anything wrong with that. But what happens when they have to, like the question that she has, what happens is that? Oh yeah, so that's the point where she's at. I just want to now become the solution. I'm just sorry, not you. If I'm the one, I will say no. After we are married, then you now wake up and decide that, oh now I want to post-nuptialize you. No, it's not your money. It's your wife. I'm part of your life, I'm part of your work. The fact that you can go and make this money is not that you can't now exclude me from this. No, I think also there's a lot of entitlement that comes up in marriages, both on the side of men and women. No, I'm not saying we're not entitled and that's the honest truth, but I think that there's a lot of entitlement that sometimes comes in. What I think should go on here is proper communication around these things. Okay, so there needs to be the place of open, honest, hardcore conversations around why are we doing this, what is going on. And the fact that people say, it's not the women, it's just another, if I was there when you made your money. First, I'm not disagreeing, but if you were there when I was making my money, I need to ask and itemize what sacrifices particularly did you make in my life? Let me run that out. I would have crazy. My fair question is, even in all my marriages, what is the cost of giving off of her money? If it does not plan on leaving off of her money, there's nothing wrong in her saying, you know what, to secure in case this thing doesn't work out at the end, I want to know that my money, my money. That's what I'm worried about. It doesn't sound to me as if something is going on correctly in that relationship. You get midway, then you suddenly now jump the bus and say, wait, apart from that, she's now coming into the money. She's coming into the money. And so she's become a different person. That's why there's this viral meme that says, oh, please check your humility before you become a rich. By the time you are rich, we'll now know who you are in person. I don't show the real color now. She wants to secure the bag. But before she broke even, she was carrying Mr. Osmond along. See, let's be fair. The way he comes to equity must come with clean hands. If Titi was a man and she came on to the show today, with this point of view, you can be rest assured that we will shred him. No, I disagree. I wouldn't. I would shred that right here. Your wife was there. She carried your baby. She sacrificed her life. I wouldn't shred the place. If this was a man. No, you're not telling me if I get into the marriage, you need a prenup, die. There must be a reason for something. And I'm serious. No, you see, I'm not saying that. You see, if there's a reason, that's why she's why you're still here. Because you see, no, she doesn't want to know. No, she doesn't want to do a divorce here, but say, if in the case of a divorce or a separation, clean hands, clean hands. If from safety must come with clean hands. But you wouldn't understand that the agreement is whatever we decide. So it's not set. So if we say, okay. But the man has said it's not the agreement. I correct him. I correct him. And in the event of a dissolution of the marriage, I'm going to be willing to give you 30% or 40% of what I'm worth. Do you understand? It doesn't mean I'm not, the agreement is not safe. Oh, everything goes to me. We're going to sit down and take a leave and agree that this is the percentage I'm willing to give you a spousal support or whatever it is. I mean, it's an agreement. Cynthia, I like this table you broke. I thought you broke them for me. This is why you broke me. You've destroyed it. A trusted one. Anyways, anytime is next after the break. To walk or not to work. Today, I'm going to take a look at employment versus entrepreneurship. And the question I'm asking today is, which of the two can we call a more sustainable tool for economic development? I'm taking a total deviation from all we're talking about. But it's interesting that we're still talking finances, but we're now looking at the bigger picture. So what do you do for a living? And like a chorus you hear, I'm an entrepreneur. I'm an entrepreneur seems to be the buzz phrase on everyone's lips. Well, it is no surprise as the rate at which people are starting their own businesses and opening retail outlets has astronomically increased in the recent past. May I disjuncture put a disclaimer? I am no economist. I'm not an accountant like a gemai. I don't have a financial literacy book like Cynthia and I'm not doing agreements and code. I'm just a lawyer who has delved into development. And I have a fascination for building human lives. Now let's take a look at the definition of employment. Employment is defined as a state of having paid work while entrepreneurship is referred to as a creation or extraction of value. In recent times, especially in Nigeria, they have been various discussions around entrepreneurship as a tool for growth and sustainable economic development. And it's interesting that the last time we're here together, it might actually made a very strong case for entrepreneurship as a tool for development. And so it's interesting that we're here again talking about this today. Now let's actually take a look at this debate on whether entering entrepreneurship or employment is the answer. A 2019 World Bank report states that Nigeria could enable millions of citizens to escape poverty over the next decade through enacting bold reforms designed to boost economic productivity. Without robust productivity growth, the report wants that living standards will continue to deteriorate. And the number of people living in poverty will continue to rise, increasing by more than 30 million by 2030. And unless the pace of growth and job creation accelerates, the forecast is gloom as Nigeria's population is expected to grow by as much as 35 million in the next decade, meaning that Nigeria as a country will account for a quarter of all people living in extreme poverty worldwide. A salient point, however, is that economists are saying that creating new opportunities for this rapidly increasing labor force will require a new economic model based on productivity growth. In that same report, the report then went ahead to outline four priority areas that could help lay the foundation for Nigeria's transition to a new economic model that makes more effective use of its young population and abundant resources as a way to support sustainable growth and poverty reduction. So it is interesting that Ejmae has written financial literacy books for children, and that it here has decided to help all of us come out of poverty by having a book on financial literacy. It could never have come at a more apt time. So the first thing that the report mentioned was to ensure policy transparency and predictability. And this is critical in reducing investment risk for people that are taking investment and promoting growth. Secondly, would be to enhance factor quality in various areas, such as investing in infrastructure, which we know is direly needed in Nigeria today, improving educational outcomes, liberalizing the trade regime, and other factors that would help develop value chains that facilitate the efficient relocation of factors of production, thereby making Nigeria a more cost competitive economy. But then I don't know with the kind of news that we're hearing today now, where BDCs are being regulated. I don't know if that advice may not need to come in again. However, thirdly, the need to regulate, to reduce regulated discretion in order to help attract foreign and domestic investment and encourage competition. And fourthly, the report says that there's a need to improve access to finance. But in all that has been said in the report, in all that I have gone on about, for EMEKA, for Shadeh, for Aki, how do I know? And even before I die with our post-nocturnal agreement, the reality is that we probably all need a blend of the daring risk-taking entrepreneurs and an integral part of the factors of production, which is labor or employment, as the activity itself is actually called. Because labor is indeed the factor that starts production. And although it is alluded to that no country can grow without having citizens that are daring, if we all become entrepreneurs, then who carries out the work that the entrepreneur is creating? Yes, I know. I simplify the matter. But alas, I am only making a case for a blended view to sustainable economic development. And more importantly, for the personal economic plan that we all, as Nigerians, have to deal with. So once again, my question would be, to work or not to work, for yourself or for somebody. And I say we all work, whether as entrepreneurs or as employees. Well, unfortunately, in our time, you have the possibility or the probability of having less employees. You know, I've said this thing before and I will say it again. Why do you have room for less employees? It's obvious. We don't produce anything. I was on trade fair on Monday. I decided to break the jinx and go look around and see what all the buzz is. And as I was driving into this massive, one of the biggest markets in West Africa, world layout and all that. But the striking thing is that they are all selling and not producing. What we need to do to create the employee, like Anita mentioned, is to have the back chain of the end product, to have people producing what we are selling. It's not enough to just put the trailers on the high sea and land them and crowd a papa. You know, I was wondering how come Lagos is so crowded and why there's always traffic. And you go to countries like America, you go to United Kingdom and you go to Dubai and they are not as crowded as it is. What is going on? Very simple. New York is crowded. Of course, London's on one to four is crowded. But what the government have done is that they've decentralized the economy. You don't have to come to Lagos for you to make a living. But here, we all have to come to Lagos to buy ourselves. You don't even all have to come to Lagos to buy. Before COVID-19, we all had to come to VI to work. It didn't make any sense. Everybody that's going to work in the morning is driving from this point and this point to VI. Every bank head office has to be in VI. Every company's head office has to be in VI. Even the law is left to the mainland to go to the VI. No, I agree. Do you like what's going on? The place is crowded. It is crowded. But you see, the question and what I'm saying and I think is this, one of the things that pushed this for me was everywhere, every meme, every angle you turn, there's that, if you're not your own boss, you're going to work for somebody for the rest of their life because you're finding that. But it's just society just being silly, but there are young people that don't want to work. Three-quarters of the people who say, oh, I want to be an entrepreneur, I want to be an entrepreneur, I want to be a business lady. Are they even employable? They're not, they can't even incorporate in- You tell my world and see what I see. Honestly, when Bwari said that lesion Nigerians were all quick to crucify him. In this my business, like I said, me now, I fall into below both employee and entrepreneur. This my entrepreneurship journey. The greatest problem I have are dedicated staff. We need to get to the job before this job starts. God forbid they resume at eight. They will literally fall down and die. And that's why I had to ask the question and really look at it and say to ourselves that before the next generation, and sadly, you know, really really before they get so lost and so carried away, not realizing that even the process of entrepreneurship itself is not, I just jump into it. The skills that you require, the abilities that you need. If you say this all the time, I say if you haven't worked in corporate Nigeria and then you just want to jump into entrepreneurship, you're going to fail at whatever. At this point, because you won't even know how to do a report. You won't know how to get accountable to anybody. You think that, oh, I just wake up and resume at eight. They never know how to sell the product to people. They don't know. Somebody says, I'm selling something and I, okay, you know what, tell me about it. And I hear, I have it. I'm thinking, isn't it difficult for you to actually analyze and itemize what this thing does and sell me on it? I'm not saying marketable. Come across like you actually understand what your business is about. It's zilch. So that was really what pushed this question today We were actually at an event yesterday, we were selling the books and I was at the event, my staff was there and they were distributing snacks and party packs and everything. So I saw his party pack there and of course there was a donut in his hand and it was chewing the donuts and there was our market that was supposed to sell. I just said, guy, put down your donuts. I said, I don't understand. So I don't know, I don't know. Maybe Titi has a different opinion. I don't know. I don't have a different opinion. However, just back to what Titi said, where she said, if you've not worked in corporate world and you decide to start off your own thing, except you obviously get like the required skills, you do trip inings and things like that, you definitely would have a lot of glitches along the way. I've seen a lot of businesses that even though they know what it is they're doing, but the processes are just wrong and that's obviously at the end of the day, affects the turnout of the business. So obviously, it is very important to have gone through the corporate world and understand how things are done day to day, what is required, the skills that are required to manage the business before you then decide to become an entrepreneur. Well, I think in all in all, really, when Titi Bilalala was talking, there was a part she mentioned about discipline, I think that's the one thing that maybe might be saving grace. But before we go on the issues of food insecurity discussed last week, Kaewon Webster says, the government needs to help their people. We have now come to the end of this week's episode of The Advocates very sadly. However, The Advocacy continues on our social media platforms on Facebook plus TV Africa, hashtag The Advocate NG or on Instagram at plus TV Africa, hashtag The Advocate NG. To catch up with previous broadcasts, go to plusTVAfrica.com forward slash Advocate NG and don't forget to subscribe to our YouTube channel plus TV Africa. Till next week, it's same time on This Station, let's keep advocating for a better society. Bye, bye.