Start 2026 Right: Your Financial GPS
Happy New Year! Let's dive in.
Hi there,
Happy New Year! As we step into 2026, I want to share something that could transform your entire financial year.
Most people will set vague resolutions: “Save more,” “Invest better,” “Spend less.” By March, those resolutions will be forgotten memories.
But you’re not most people. You’re reading this, which means you’re already thinking strategically.
ANNOUNCEMENT
Money Wits, it’s new year, new money season!
We’re kicking off 2026 with our first webinar of the year - The Psychology of Money.
This session will help you understand how your beliefs, habits, and emotions around money shape your financial outcomes, and how to rewire those habits for financial growth in 2026.
Date: Saturday, January 17th, 2026
Time: 4:00 PM - 6:00 PM (GMT+1)
Facilitator: Mrs Oler Oladele
Venue: Money Wit Club Closed Community.
The GPS Principle
Think about the last time you used your phone’s map. What did it ask for?
Your current location (Where are you?).
Your destination (Where are you going?).
Then it plotted the route.
Your finances work exactly the same way. You can’t plan for 2026 without first knowing where you stand right now in 2025.
The Two Numbers That Matter Most
Before you set any financial goals for 2026, you need to know two critical numbers from 2025:
1. Your Net Income - Total money earned minus total money spent. This is what you actually saved. This is what you have available to invest.
If you don’t know where your money went in 2025, that’s already a red flag. The same chaos will repeat in 2026 unless you change something.
2. Your Net Worth - All your assets minus all your liabilities. This is your actual wealth, not just your income.
Nobody asks how much Elon Musk earns annually. They ask about his net worth. That’s the number that actually matters.
You could earn ₦1 million monthly but spend ₦999,000. Meanwhile, someone earning ₦500,000 and saving ₦300,000 is building real wealth while you’re just looking wealthy.
ONGOING CLUB DEALS
Why This Actually Works
I’ve created a simple planning tool that walks you through this entire process. It helps you:
Review your 2025 financial reality (the good, bad, and ugly)
Identify where money came from and where it disappeared to
Set realistic 2026 income and expense goals
Calculate your net worth trajectory for the year
The tool automatically shows you what your net worth will be at the end of 2026 based on your planned actions. If that number doesn’t excite you, you’ll know exactly which levers to pull—increase income or reduce expenses.
The Account Structure That Changes Everything
But knowing numbers isn’t enough. You need systems.
I recommend opening designated accounts for 2026:
Income account (where money lands).
Savings account (with automatic transfers).
Utility account (your daily spending—max 50% of income).
Giving account (for family obligations and charity).
Play money account (guilt-free fun money).
Why separate accounts? Because when you see your utility account running low, you instinctively tie your belt. One mixed account? You’ll never have that clarity.
The secret? Set up automatic transfers. Don’t rely on discipline when life is happening. Automate savings the day your salary hits.
Want the Full Breakdown?
I recently did a complete live session walking through my entire 2026 planning process; screen sharing, showing the tool, answering questions in real-time.
Watch the Full Planning Session Here
In that session, I cover:
Exactly how to review 2025 (with the actual spreadsheet).
How to set income goals that push you without breaking you.
The expense categories most people overspend on.
How to calculate realistic net worth growth.
The automation setup that makes it all effortless.
Your Financial Planning Tool
Want the same tool I use? I’ve made it available for everyone starting their 2026 planning.
Download Your 2026 Financial Planning Tool
It’s straightforward—no complicated formulas, just clear frameworks that help you think through your money systematically.
One More Thing: Vlogmas Series
This planning session is just Day 1 of our 12-day Vlogmas series covering everything you need for financial success in 2026:
Investment planning (Nigeria and global editions).
Economic strategy for the year ahead.
What to avoid this holiday season.
Budget-friendly holiday destinations.
And more.
Subscribe to catch the entire series.
The Bottom Line
If you fail to plan, you plan to fail. That’s not just a saying—it’s mathematical reality.
You can’t depend on discipline to magically appear in 2026. You need structure. Systems. Automation. Designated accounts that force smart decisions even when you don’t feel like making them.
Your 2025 is ending. Your 2026 is beginning. The question is: Will you enter it with a plan, or will you wing it and wonder in March where everything went wrong? You can’t outsource your financial future. Nobody else will build your wealth or manage your money. You have to engage.
But you don’t have to figure it out alone. Use the tools. Watch the session. Join the Vlogmas series.
Make 2026 the year you finally get your finances right.
This Week's Nugget: Think Five Moves Ahead.
This week’s excerpt:
“The most successful people don’t think one move ahead — they think five...”
Long-term investors win by anticipating, not reacting.
Insight: Markets reward strategic thinkers who plan beyond the next quarter and position themselves early for future opportunity.
Prompt: What is your next move — and the four moves that follow it?
Get the Book Here and let’s discuss!
HOW WE HELP YOU WIN WITH MONEY:
Because financial freedom isn't luck; It's a learnable skill.
FOR INDIVIDUALS
LEARN - Master the fundamentals that matter
• Beat The Odds Workshop – Learn how the top 1% think about money and markets
• Personal Finance Lab (PFL) – Build the systems that create lasting wealth
• Masterclasses – Deep-dive training on investment psychology and strategy
• Christian Teen Financial Summer Camp - Help Your Teen Master Money In Just 3 Days
CONNECT - Join Nigeria's sharpest money minds
• The Money Wit Club – Full community access plus personal guidance and accountability
• Premium Newsletter – Get the same insights and analysis our club members receive
GROW - Get the personal support that moves the needle
• 1-on-1 Financial Coaching – Customized wealth-building strategies for your specific situation.
FOR CORPORATE
TRANSFORM - Develop financially intelligent teams
• Executive Financial Training – Strategic wealth building and financial leadership for your staff
• Beat The Odds for Teams – Workshop that transforms how your people think about and manage their money
PARTNER - Strategic collaboration that drives impact
• CSR Sponsorship – Partner with us on financial literacy initiatives that matter
• Custom Corporate Programs – Tailored financial education designed for your organization
• Brand Partnership – Connect with our engaged community of 5000+ finance enthusiasts.
Ready to level up? Send us an email via info@themoneywitclub.com.
What’s happening in the club?
Images from our 2025 EOY Party!!
< NEW YOUTUBE VIDEO ALERTWe have a new YouTube video on our channel that breaks down “ Why High Earners Stay BROKE! (and How to Break Free from Paycheck to Paycheck Living)”
Are you a high earner wondering why your bank balance never reflects your income? You’re not alone! Many successful professionals find themselves trapped in a paycheck-to-paycheck cycle, despite earning significant amounts.
In this eye-opening video, Oler reveals the harsh realities and surprising reasons why high earners often stay broke, and more importantly, provides actionable strategies to help you break free and build lasting wealth.
You’ll discover:
The #1 Culprit: How lifestyle inflation silently erodes your financial security, even with a rising income.
Cash Flow Chaos: The hidden dangers of poor money management and why tracking your spending is crucial.
🎯 Want to know the rest? Watch the full video to get the full list and start investing smarter today.
Watch, learn, and share with a friend.
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We host weekly money discussions live on our YT channel… visit our channel
Want to advertise with us? Email business@oleroladele.com
At the Money Wit Club, we provide you with opportunities to invest in high-value companies with the potential to help you yield the highest returns on your investments. Watch full interview here.
Join the Money Wit Club today.
Until next week,
Oler.