🔑 2. Learn the Difference Between Assets and Liabilities Most people struggle financially because they confuse assets with liabilities. Assets put money in your pocket (e.g., investments, businesses, digital products, VTU businesses, EarnNaija earnings). Liabilities take money out of your pocket (e.g., debt, excessive luxury spending, unwise loans). 👉 Takeaway: Focus on building assets, not liabilities. #FinancialFreedom #MoneyManagement #SmartInvesting #BudgetingTips #PassiveIncomeNigeria #EarnNaijaFinance #SaveAndInvest #DebtFreeLiving #WealthCreationNigeria #MultipleStreamsOfIncome #EarnNaijaUpgrade