Sola Adesakin


Embark on a transformative journey as Women of Rubies proudly unveils its Media Visibility BootCamp, a dynamic initiative designed to empower and uplift. In this exclusive introduction, we invite you to meet the inspiring lineup of speakers, each a powerhouse in their respective fields. Join us as we delve into the expertise, insights, and stories that promise to elevate your media visibility and professional journey.

Our mission is clear: we’re here to nurture your unique talents, equip you with essential media skills, and maximize the growth of your brand.

What’s in Store for You?

This edition promises to be a one-of-a-kind experience where we’re pulling back the curtain on the secrets to harnessing the full force of media visibility. Picture this: a carefully curated lineup of exceptional speakers, each an expert in their respective fields, ready to share invaluable insights that will elevate your brand to new heights.

Save the Date

Mark your calendars for December 9th to 10th because that’s when the magic happens. And where? The comfort of your space via Zoom. Yes, it’s that easy to be a part of this transformative journey!

Why You Should Join Us

Join us in the Women of Rubies Media Visibility BootCamp as we dive deep into the world of media visibility and empower you on your self-discovery journey. Get ready to challenge the status quo, ignite your creativity, and embrace the transformative power of storytelling.

Register Here

Esther Ijewere, Founder- Women of Rubies Inc.

Women of Rubies

Esther Ijewere is a distinguished expert in media strategy and the visionary founder of Women of Rubies Inc. With a commitment to empowering and uplifting women, Esther has earned a prominent reputation in media and entrepreneurship. As the driving force behind Women of Rubies Inc., Esther has demonstrated her exceptional expertise in media strategy, using it as a powerful tool to amplify the voices and stories of women across various platforms. She will give comprehensive details of the essential skills and knowledge needed to thrive in today’s media-driven world. You will be inspired and equipped to leverage media visibility for personal and professional growth.

Get her free PR Guide Book Here

Adeola Osideko: Personal Development Coach and Branding Expert

Women of Rubies

Adeola is a triple-certified global Accountant and accomplished author with an MSc in Accounting from the University of London. She’s an international speaker, branding expert, and Personal Development Coach, having trained over 10,000 individuals.

As the Principal Partner of Crystal Edge Professional Services, Deola specializes in training and brand consultancy. She’s an Editor-in-Chief of The Crystal Magazine and leads influential events like The Global Brand Summit. Deola is a mentor and role model to many.

Diwura Oladepo: Executive Director and Co-Founder of Tech4Dev

media visibility bootcamp

Diwura Oladepo is the Co-Founder and Executive Director of Tech4Dev. She uses her platform to inspire and mobilize women towards greater professional and personal success. Her work shaped media-savvy women who now claim influential spaces. She will provide participants with practical skills in leveraging media exposure to amplify their voices and careers. You can expect to learn about personal branding, effective communication, and networking strategies in the digital space.

Funmi Ajala: Corporate and Digital Communication Expert

Media Visibility Bootcamp

Funmi Ajala leverages her platform to empower women by amplifying their voices in media landscapes typically dominated by male narratives. She employs storytelling and digital advocacy to challenge gender norms, offering training and resources to women seeking media careers. Through her YouTube channel, “Funmi Ajala Travels,” she engages in visual storytelling, highlighting the beautiful places, rich cultural heritage, and wonderful people of Nigeria and Africa. Learn effective communication, personal branding, and digital tools for visibility in the Media Visibility Bootcamp. She inspires confidence in women, enabling them to narrate their stories and build influential media presences that can drive social change.

Sola Smart Steward: Personal Finance Coach & TEDx Speaker

media visibility bootcamp

Sola Adesakin, as the Convener and Lead Coach at Smart Stewards, champions financial independence for women through the ElevateHerWealth Plan. This initiative focuses on optimizing wealth allocation for women and encourages adopting new mindsets and perspectives alongside a commitment to skills, time, and information. In the media visibility bootcamp, she will give insight into growth, empowerment, and financial freedom.

Mayowa Adegoke: Journalist and Media Entrepreneur

Media visibility bootcamp

Mayowa Adegoke is a celebrated media personality and entrepreneur, acknowledged as one of the Elite 100 – Most Powerful Women of 2023 by Womanpreneur Middle East. She has made significant strides in Nigeria and the UAE through her compelling storytelling and development projects.Adegoke’s “Road to Success Seminar” in the UAE empowers professionals with skills in public speaking and media coaching. Her work has solidified her as an influential figure dedicated to advancing women and the African community in the diaspora. Adegoke, with her experience as a journalist and founder of the “Road to Success Seminar,” will likely provide insights into public speaking and media coaching.

These women are exemplary figures using their platforms to empower women. Through initiatives like a media visibility bootcamp, they provide women with vital skills in public engagement and digital presence. Participants can expect to learn about crafting a personal brand, effective communication strategies, and leveraging media tools for more significant impact. These leaders aim to encourage women, offering them the visibility needed to ascend in their respective fields and create influential networks.

Sola Adesakin’s story is one of transformation, dedication, and the power of personal experience. As a renowned finance coach, author, and mentor, she has made it her mission to simplify the complexities of money management and empower individuals to achieve their financial goals.

A Passion for Financial Empowerment

Sola Adesakin’s journey was inspired by her deep passion for helping people understand the “make-manage-multiply money” message. Her specialization lies in maximizing resources, guiding individuals to reach crucial financial milestones, and building true wealth through financial planning. Her dedication to this mission has earned her a well-deserved reputation as one of Nigeria’s most respected finance coaches.

From Financial Stress to Wealth

Throughout her career, Sola has played a pivotal role in helping both men and women bounce back from financial stress and debt, ultimately guiding them toward financial prosperity. Her expertise as an author, trained coach, and mentor has transformed countless lives, providing the knowledge and guidance needed to secure a more stable financial future.

A Portfolio of Recognition

Sola Adesakin’s remarkable contributions to the field of finance have not gone unnoticed. She was accepted into the Forbes Coaches Council, a testament to her expertise and influence in the financial industry. In 2020, she was recognized as one of Nigeria’s 100 Most Inspiring Women, showcasing the impact of her work on women’s empowerment. Additionally, she received the Women X Scholarship, a World Bank and Pan Atlantic University initiative supporting female entrepreneurs.

Educational Background and Certification

Sola’s journey into financial coaching and empowerment was fortified by her educational pursuits. She earned an HND from the Federal Polytechnic Ilaro in 2000 and later obtained a BSc degree from Oxford Brookes University in the United Kingdom in 2006. Her academic journey culminated in an MBA from the Edinburgh Business School in Scotland, making her well-equipped to guide others in their financial endeavors. Sola is also an Associate Member of the Chartered Professional Accountants of Canada (CGA CPA), a member of The Institute of Chartered Accountants of Nigeria (ICAN), and a Fellow of the Association of Chartered Accountants of the United Kingdom (ACCA).

A Vision Realized

Sola’s journey with finances, including debt and financial mismanagement, served as a driving force behind her commitment to teaching financial literacy to others. She recognized that formal education often falls short in equipping individuals with the knowledge needed to manage and multiply their money. After discovering a book that simplified money management, she adopted financial literacy, discipline, and budgeting, enabling her to save and earn seven-digit returns on her investments. Her journey taught her that personal responsibility is the key to breaking free from financial struggles.

An Author and Advocate

Sola Adesakin’s commitment to financial empowerment extends to her writing. She has authored eight books and numerous articles, sharing her insights and expertise on financial literacy with people of all ages and backgrounds. Her work has been featured in local and global publications, further expanding her influence.

Awards and Recognitions

Sola’s contributions to the field of finance have earned her several awards and recognitions, underscoring her impact:

  • Recipient of the Women X Scholarship, an initiative by the World Bank and Pan Atlantic University for female entrepreneurs.
  • Recognized as one of Nigeria’s 100 Most Inspiring Women in 2020 by The Guardian Nigeria News.
  • Acknowledged as one of the 100 Power Women of 2021 by the Power Woman Network.
  • Participant in the Academy for Women Entrepreneurs, a U.S. Government Initiative.
  • Listed in the Phenomity 40 List of 2021 on International Women’s Day.
  • Accepted into the Forbes Coaches Council.

Sola Adesakin’s journey is a testament to the power of personal experience, education, and determination. Her work in simplifying money management and empowering individuals to achieve their financial goals continues to make a profound impact, not only in Nigeria but also on a global scale. Sola’s story serves as an inspiring example of how one individual’s commitment to financial education can transform lives and open doors to greater financial empowerment.

Women of color are reaching great heights in the financial world. They are pathfinders for the younger generation to trend, especially black women. It resonates better when someone who looks like you smash similar goals that you desire to accomplish. Their financial achievement serves as encouragement that if they could meet their objective you sure can!

In a homogeneous industry and the so-called imposter syndrome that serves as a barrier, it is liberating to see female financial gurus break those barriers and stand as mentors for women majoring in finance.

On their social media handles, books, and communities these financial experts give inspiration, resources, and tips for improving money habits and gaining financial freedom.

Here are 11 female financial gurus you need to follow in 2023

  1. Raya Reaves

At her site ‘CityGirlSavings’ a lot of information is shared with women attempting an economic reset on their way to fiscal success.

She learned through her experience of facing eviction the importance of budgeting. From paying off thousands in credit card debt in under a year she quickly got to a million dollars in retirement savings.

Raya Reaves founded her website to empower and educate working-class women to obtain financial independence through money management system, budgeting, expenditure accountability, and debt payoff processes.

From DIY money mastery to individual coaching, you’ll discover several ways to obtain financial liberty with Reaves. There are blog posts, recommended reads, pinned posts, kits, guides, and freebies for you if funds are restricted. If you want further one-on-one guide she’ll develop a budget for you.

Reaves helps women business owners and offers a community for working with other women on your journey to breaking financial challenges for free.

Raya Reaves
Raya Reaves
  1. Lynnette Khalfani-Cox

Lynnette Khalfani-Cox is also known as ‘The Money Coach,’ who you might have seen in major media networks on television, or read her books like Zero Debt, New York Times bestsellers, The Ultimate Guide to Financial Freedom all over America.

She is a co-owner of the Money Coach LLC with her husband which was launched in 2003. Previously, Lynette, the ex-financial news journalist wrote for Associated Press, Wall Street Journal, Philadelphia Inquirer, and other media platforms.

Lynette with her co-founder provides courses and workshops on financial literacy subjects on their website ‘Ask the Money.’

Khalfani-Cox discusses her knowledge of numerous personal monetary topics on her blog and video-based program. The program covers improving credit, paying for college, lowering debt, saving, budgeting, entrepreneurship, securing mortgages,  and wealth generation.

Lynnette Khalfani-Cox
Lynnette Khalfani-Cox

3. Nimi Akinkugbe

She is the Chief Executive Officer and Founder of Bestman Games Ltd. She has 23 years of experience working with Stanbic IBTC Bank Plc.

Nimi is on a mission to empower people with financial security through her online platforms: Money Matters with Nimi, speaking engagements, Monopoly Board Games, her books, television, and radio appearances.

Her channels offers honest financial knowledge of understanding wealth management issues and personal finance that empower men and women to take responsibility for the money matters in their lives.

Female financial guru
Nimi Akinkugbe

4. Tonya Rapley

As a millennial money guru, Tony Rapley commits to matching the common millennial paycheck-to-paycheck process. She is a co-founder of the FinTech app and offers workshops for clients all over America.

Tonya Rapley
Tonya Rapley

5. Sola Adesakin

Sola Adesakin is an established Chartered Accountant with over 17 years of experience in SMEs and Personal finance. She is the CEO and Lead Coach of Smart Stewards.

Sola is a Conference/Seminar Speaker and Personal Finance Coach. Through the Smart Stewards Academy and her blog, she has assisted a lot of people to enjoy wealth and financial liberty.


Female financial guru


6. Jamila Souffrant

Jamila Souffrant is a personal finance expert that urges her followers to enjoy the journey of pursuing financial liberty. She moved from being a guest on Good Morning America (GMA) to feature in the New York Times. She teaches her audience to comprehend how peer pressure, mental health, and even family traditions, impact our financial processes

Jamila Souffrant
Jamila Souffrant

7. Reni Odetoyinbo

Reni is a  content creator, marketing consultant and finance enthusiast based in Toronto, Canada. She shares content centered around  resources around career development, lifestyle and financial literacy on her Youtube channel. After buying her first house at the age of 23, she decided to share her knowledge with others with the goal of helping  them become more financially literate and share tips to help them excel in their careers. From finance to career and lifestyle content, Reni’s aim is to make complex topics, simple.

Financial expert
Reni Odetoyinbo

8. Vanessa Ideh Adekoya

Vanessa has managed to turn YouTube into a lucrative business, and she is now teaching other women how to do it. In April 2020 she joined Youtube and started creating content around trending topics, and in June 2021, the certified financial education instructor (CFEI) and former accountant decided to start from scratch and build a brand-new channel called, Launch To Wealth.

The platform has now evolved into a goldmine, making Vanessa one of the top black Youtubers in the world. In November 2021, she made $23,700 from her YouTube channel in just five months of launching it, and her subscribers increased significantly. The inspiring financial coach has turned her hobby into a career, and she is reaping the fruit of her labour, hard work and tenacity. Vanessa

Vanessa Ideh Interview with Women of Rubies

9. Jennifer Awirigwe

Jennifer Awirigwe is a financial guru who has leveraged the social media space to discover the right community to serve. She is the founder of FinTribe and is also known as Financial Jennifer.

Awirigwe is out to increase the population of financial gurus by providing people with easy-to-understand guides on an individual’s financial management.

Through her online platform – FinTribe, Jennifer established a network for financial literacy for people in Nigeria by enabling them to discover the right information expected to invest wisely.

Female Financial Gurus
Jennifer Awirigwe

10. Clarissa the Budget Queen

Clarissa is one of the financial gurus who believe that no matter the money you make you should properly manage it.  She is popularly known by her fans as ‘The Money Coach,’ because she not only teaches but practices as she once paid off $43,000 in credit card debt in a year and 4 months.

Clarissa uses her Instagram account strategically to educate working-class women on how to manage, make, and multiply money so they can enjoy a good living.

Female financial gurus

11. Nicole Hatcher

Nicole Hatcher owns a community called the ‘Frugal Chic Life.’ She is on a mission to achieve financial liberty in over 10 years. She is sharing useful acquired knowledge with others along her journey.

Her mission is focused on debt elimination, spending wisely, investing, saving long-term, and still being ‘chic.’

Nicole offers free YouTube video trainings as well as courses and products on investing, one-on-one coaching, consultation sessions, side hustles, and budgeting. She is one of the amazing female financial gurus amking a difference.

Female Financial Gurus

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Sola Adesakin is the Lead Coach and CEO of Smart Stewards. She is an experienced and versatile Chartered Accountant with about 17 years hands-on experience on Personal and SMEs finance. She is a Personal Finance Coach, Trainer and Conference/Seminar Speaker. Through her blog and The Smart Stewards Academy, (www.smartstewards.com), She has helped many men and women bounce back from stress to rest and from debt to wealth. Sola is the managing Partner of BookSmart financial Solutions; an SME friendly Accounting firm, She is the Convener of Smart Stewards Initiative; a Platform for teaching sound principles on personal finance management especially for women. Sola has authored 5 books; her latest being the “40 Frugal Rules For Your Journey To Financial Freedom”; A Practical and Pragmatic Guide For Wealth Management and the “Smart Financial Organizer”; A One year Money Diary to help people gain control of every area of their personal and Family Finances.

She holds a BSC in Applied Accounting from Oxford Brookes University, United Kingdom. She is a Fellow of the Institute of Chartered Accountants of Nigeria (ICAN) and also a Fellow of the Association of Chartered Certified Accountants of The United Kingdom (ACCA). She is a Member of the Chartered Professional Accountants of Canada (CPA) and she also holds an MBA from the Edinburgh Business School (Heriot-Watt University) Scotland.

Sola is also a recipient of the Women X Scholarship; An Initiative of the World Bank and Pan Atlantic University for Female Entrepreneurs. The “Save money” expert shares her inspiring story in this interview.

Childhood Preparation
I had always loved figures and dared to tell anyone I would become a Chartered Accountant. When I was in Secondary school, JSS3 to be precise, I did so well in the Junior WAEC; amongst the best results in my set that I was instantly posted to a science class. My Dad thought I was brilliant enough to be a Medical Doctor; perhaps the first in our family, but Physics, Chemistry and the likes weren’t sinking in at all, so I asked to be allowed where I wanted to be; Commercial class where I would study courses like Commerce, etc. I am glad I stood my ground. Nothing brings more fulfillment for me than helping people solve money issues.

Meet Me!
I am in my late 30s, the first daughter of my Mum, but the 5th of my dad. Born in Lagos Nigeria, I grew up in a polygamous home; howbeit amongst siblings who have strong ties and love for one another. I started my educational exploits with an HND from the Federal Polytechnic Ilaro in the year 2000 and got a BSc degree from Oxford Brookes University (United Kingdom) in the year 2006. I am a Fellow of The Institute of Chartered Accountants of Nigeria (ICAN), a Fellow of the Association of Chartered Accountants of the United Kingdom (ACCA). I hold an MBA from the Edinburgh Business School in Scotland and I am also an Associate Member of Chartered Professional Accountants of Canada. (CGA CPA). Happily married and a mother of 3 amazing boys. I am a born again Christian. I have a passion for people, for their finances, their businesses; small and large businesses alike: building structures for them, developing leadership and enabling a business to maximize the essence of its existence. I have built structures for businesses, trained people; see such businesses grow by leaps and bounds. I have taught people at different levels and cadres the importance of appropriate structures in their businesses and endeavors. All these have further instilled a passion in me to harness my desires and taking it to higher dimensions

Inspiration behind “Smart Stewards”

I qualified as a Chartered Accountant in the year 2002; about 16 years ago and started out working in managerial roles. After a while I got a relatively good job and started to earn well. Unfortunately, all the things I learnt in school as an Accounting student and in my professional certifications did not impact the way I spent money. Being a Chartered Accountant didn’t amount to good personal finance management for me as I probably fared worse than people who had little or no theoretical knowledge of Finances. My Finances were scattered.

My Finances were always out of shape; I was regularly in debt, My salary would not last beyond 3 days after receiving it, I was a spendthrift , I would draw down on my savings less than a week of keeping the money aside and I felt totally helpless! When it dawned on me I couldn’t continue that way, I made a commitment to making a change and things turned around for me. Coupled with the necessary knowledge and appropriate certifications, I embarked on that rewarding journey of helping and teaching people about managing their personal finances! The testimonials have been overwhelming!

Being a Chartered accountant, Author, personal finance coach and motivational speaker

First and foremost, I would say “ A man can receive nothing , except it be given him from above” Grateful for the opportunity to be multi-gifted and multi-dimensional as I have come to realize not everyone can juggle a lot of things as I do. Smart Stewards was borne out of years of study of the biblical story of the Biblical Parable of the 3 stewards that got 5,2 and1 talents respectively. I believe everyone has been gifted with different capacities and abilities to fulfill purpose( everyone has at least 1 gift) and for me, I think it’s an innate wiring for me to be able to juggle a lot of things. Being a Chartered Accountant is a profession, being an Author is an expression of my love for writing (yes I love to write and I can tell stories from any and everything I see around me). Coaching on Personal Finance is a Passion borne out of my personal experiences and speaking is a platform of expression for all of these sides of m

Decision to publish “40 frugal rules for your journey to financial freedom”
Like I earlier mentioned, I was clueless on managing money as I struggled year in, year out trying to make sense of my finances. Yes I was knowledgeable on money issues, but I couldn’t practise those things for unexplainable reasons. I really hit bad times as I made very wrong money decisions with grave consequences. I lost money by investing in get-rich-schemes, I couldn’t meet up with the important needs in life because I focused on the nice-to-have; neglecting the need-t-have. I was a miserable and incurable spender.

A few years ago, part of my New Year resolution was to get things right; particularly because I knew I had so much to offer and teach from my experiences. I committed to changing and becoming a Smarter Steward of my resources; which included my time and of course finances and the rest is history. I developed short term courses and there is this particular one which is known as the 6-Month Accountability Program; an accountability program for those who are really ready to take their journey to financial freedom a notch higher; those who would like to work towards and experience a positive change in their finances . The course entails a 26-week curriculum delivered by emails and telephone calls( and physical meetings when necessary) where I “walk” the financial freedom journey with enrollees, teaching them everything they need to know about Making, Managing and Multiplying Money. The 40 Frugal Rules was borne out of that curriculum.

On a daily basis, I get calls and messages from women and men who would love to maximize their finances, break loose from the hold of debt and live a financially fulfilling life. So far, I have consulted for loads of people on their personal and by extension their business finance and this book summarizes what everyone needs to know about their personal finance.

Work challenges

A great man once said, “The best way to hide something from Black people is to put it in a book. A lot of people are too lazy to read, learn, make proper inquiries on what to do with their money, where to put it and what to expect. It’s sometimes difficult getting people to learn and understand the power of consistency in practicing the right money principles. People hardly follow through with reading, acquiring and applying relevant knowledge. Those who do have great stories to tell however.

Secondly, Consumerism, lack of proper planning and inability to prioritize are issues contending with the wealth building abilities of people and sometimes, it is difficult getting people to realize the need to plan for the future; Retirement and all. People naturally want to make more money; with little or no thoughts about saving or investing, People would rather buy the next ceremonial attire with no plans for paying their children’s school fees. Keeping up with the Jones’ is a menace that needs to be eradicated. A lot of awareness of the importance of financial planning needs to be created.

Other projects

I teach financial planning and the benefits not just in corporate settings, but also in churches, schools and NGOs.Through the Smart Stewards Platform, we organize programs that aim to sensitize and teach women on wealth building and management.

Through the FRUIT (Female relationship Unveiling inspired Truth) Foundation, we mentor young girls; especially in secondary school in order to prepare them for the world of entrepreneurship ahead. We also sponsor women to learn vocational skills in order to empower them financially.

Being a recipient of the Women X scholarship

I was in New York two years ago; 2016 precisely when a friend shared on a facebook group the details about the Womenx scholarship. The World Bank was sponsoring 500 women to obtain a Certificate in Entrepreneurial Management from the prestigious Enterprise Development Centre of the Pan Atlantic University. I applied for it and it was a very transparent process. I probably was among the last set of people admitted into the program.

We were taught the basics of entrepreneurship and what it takes to build a successful business. Strategy, Leadership, Accounting, branding, Human resources Management and other important subject matters were considered. It was a worthwhile experience and through the alumni programs, the knowledge keeps flowing to us. We have been equipped to build world class businesses.

Balancing my home and work effectively

I am extremely grateful for a supportive spouse who allows me to thrive and for my amazing children. I work from home many times, I find time to be with the children and sometimes, I do not go out at all. I make sure to do school runs once a day; either in the morning or in the evening and that is to encourage more bonding moments. Some weekends are for staying at home and I look forward to having at least 2 of such in a month.

That’s a very ambiguous question if I must say( laughing), but I cherish the everyday feedback from people on how what I teach them makes a lot of difference in their finances and families. Finance-related family stress is doused; some marriages on the verge of divorce are restored, people experience paradigm shift regarding their finances; chronic spenders are healed; they are able to save, invest and build wealth. These and more are pleasantly rewarding.

The Nigerian woman being informed on budgeting and money management

Gratefully, a lot of Finance experts are putting out the information out there and the sensitization on personal finance is on the increase. Radio programs, TV shows, Social Media, Women groups have made it a lot easier for people to learn on a daily basis. Learning is on one part, applying what they learn is equally and perhaps more important. Prior to now, maybe the Nigerian woman was not adequately informed; but there are channels and platforms to learn from; free and paid-for. Every woman owes themselves that responsibility to learn and implement what they learn.

Who and what inspire me to be better

The Holy Spirit is my greatest source of Inspiration. He paints pictures in my heart and many of those have become my reality. He helps me dream big and achieve things my ordinary mind couldn’t have comprehended.

Grateful for my husband Gboyega Adesakin also. He is my number one cheerleader. When I share my ideas( and fears), he patiently listens and helps to strategize on how to implement. He allays my fears and helps me soar.

My Smart Stewards community looks up to me to provide solid leadership and show them the way to go. They keep me on my toes; helping me to learn more and more. It’s one thing to know, it’s another to practice and it’s another thing entirely to teach and practice what you preach. They make me Accountable

I am surrounded by a strong network of friends who inspire me to do better and mentors who show the way to go always.

Being a woman of Rubies
I actually love that word “Rubies” and I have a book titled “Rubies Of Wisdom” which is a 40 day Journey For Women regarding their finances; drawing from biblical stories of about 40 women mentioned in the bible and how they handled money issues.
I am thankful for the gifts and talents God has given me and the ability to express them in various ways. My price is definitely far above rubies and I am glad to be entrusted with this assignment.

Advice for women on managing their finances and savings culture
If you save money, money will save you. What you earn isn’t what makes you wealthy; it is how you manage what you earn. Think money, think long term, thing about the future.

Imagine this scenario;
Your grandchildren and children actually love to come see Grandma, because Grandma is such a delight to visit; you can’t leave her without getting a fat cheque or gift. She even gives out cars and landed properties as gifts. She needs not depend on anyone for her sustenance because she has prepared adequately for her future post retirement.
Do you like to be that person? You have to work towards it by planning your finances and living deliberately. Planning for the future starts now!