Yougi

It took me being married to realise that all women are the same.

A patient asked me, “Doctor, I can hold my pee the whole way home. But the second I unlock my front door, I feel like I’ve got two seconds before I pee my pants. How does my bladder know I’m home?”

You can't avoid women’s drama no matter how angelic she is. Whether you’re still dating or you’re married, you need to understand how to manage her degree of drama. We are now planning to get married and she’s the sweetest person to be married to; she’s kind, loving and everything in my world.

After a careful study of opay prospetus during the week 5 things drew my attention to go dipper. 5 reasons I’m buying the OPay IPO 1. Niche dominance that is already proven OPay is the #1 finance app in Africa and the Middle East by monthly active users (9.9% share) and the #2 app overall in Nigeria by daily active users. It has 50.1 million MAU and 26.8 million DAU. In a market where digital financial services are still early, that is real leadership, not marketing claims. 2. The payments-to-credit flywheel is working Payments run on tiny take rates and serve as the distribution engine. Credit is now the real business. In H1 2026, self-operated lending alone was ~$236 million — more than half of total revenue. Transaction services were only ~28%. This is the classic high-growth fintech model: acquire users cheaply with everyday payments, then monetize them at higher margins with credit and savings. Revenue went from $206 million in 2024 to $536 million in 2025 to a $467 million first half in 2026. Profit followed: from a $51 million loss to $72.5 million, then $91 million in H1 alone. 3. Scale that is hard to replicate** $558 billion in gross transaction value over the last twelve months across more than 90 billion transactions. Customer savings balances already sit near $979 million with 42 million+ users on savings products. Cash and short-term investments were ~$919 million at the end of June. These are not startup numbers. They are platform numbers. 4. Future prospects remain large** Nigeria still has tens of millions of adults outside the formal financial system. OPay is already the dominant digital player there and has a clear path to deepen wallet share (payments → credit → savings → more). It also operates in Egypt, Pakistan, and Indonesia. The same model travels to other young, under-penetrated emerging markets. The company has board and shareholder approval for a secondary listing on the Nigerian Exchange, which could further expand its local investor base. 5. Valuation and capital position are reasonable for the growth** At roughly $4 billion, the company is trading around 5x trailing revenue after already turning solidly profitable and still growing well over 100%. The IPO priced at the bottom of the range ($19), which is honest in a selective market, and it comes with a Standard Bank concurrent placement plus a greenshoe. SoftBank was already an investor. The fresh capital is for technology, distribution, product, and expansion — not a lifestyle raise. Bottom line OPay has the scale, the user habit, the improving unit economics (payments acquire, credit monetizes), and the profitability inflection. The concentration in Nigeria is real and so is the credit risk, but the platform position and growth trajectory are what make it attractive at this price. That is why I am buying.

She bought a brand new benz without sleeping with any man.. she got a benz by opening her brains instead of her legs... Congratulations on hiting 10,000 order.. this is not a small feet . If anyone need a website like hers, im ur best plug

The family you marry into is more important than the person you're marrying.

would you rather win $50k or allow your best friend win $150k. note: he doesn’t know you sacrificed your $50k for him to win $150k.

The first time I actually used my knowledge of law in real life was inside Market. I wore camo to an exhibition, when I was coming back, a man who disguised himself as a soldier just approached me. “Off your trousers now,” he said. He repeated it the second time. The third time, I still didn’t respond. I was just looking at him, wondering if this man actually wanted to strip me naked inside the market.

The Government should consider replacing NYSC with 🇳🇬 National Military Service (NNMS) for fresh graduates. Young graduates could undergo 3 years of structured military service, including deployment to operational areas. At the end of their service, each participant could receive ₦5 million as a completion benefit. It would be a serious commitment, but it could also build discipline, national service, skills and a stronger sense of responsibility among young Nigerians. 🇳🇬🪖

Flight from Lagos to Uyo was 700k , I had to go through Portharcort to save cost , then took a cab to Uyo. Things are actually very crazy right now , I booked a round trip to Nairobi in June for 1.2m, and local flight is 700k

Seen a few TA people from crypto drawing lines on NVIDIA projecting a 60% retrace lol. Do you know what will happen to the global economy if Nvidia retraces 60%.

Nigerians are our own natural disaster, Each individual is a walking hurricane/typhoon to the next person and the environment

Let’s start the week with a little reflection. If you could go back to day one of your building journey, what advice would you give yourself? Drop your answer in the comments.

Last World Cup in your 20s btw

Just wait and see how they will all start creating this type of content. Give it 2 weeks.

b2b founder-led sales probably

To build is to know how. And to know how, you must study. Rigorous study. I wish us all good success.

Omooo just have a laptop first, everything else will fall in place.