<p>In Nigeria, You’re Not Broke—You’re Just Temporarily Awaiting Financial Clearance from God or GTBank. </p><p><br/></p><p>The Deeper Truth: </p><p>The average Nigerian has mastered the art of surviving financial droughts with creativity, humor, and unwavering faith. Whether it’s navigating no light to charge your phone, bargaining with mallam to buy garri on credit, or praying for one WhatsApp message that says, "<strong>Hello, long-lost uncle has left you millions</strong>," resilience is our currency. </p><p><br/></p><p>Why It Hits Home: </p><p>- Faith as a Financial Plan: From "God will provide" to "December is coming," hope is our 13th month salary. </p><p>- The Hustle Hierarchy: Side gigs aren’t optional—they’re survival. Your tailor is also a forex trader, and your pastor sells skincare. </p><p>- Collective Struggle Bonding: Nothing unites Nigerians faster than complaining about fuel prices or sharing a "who’s suffering more?" meme. </p><p><br/></p><p>Actionable Wisdom: </p><p>"Manage your expectations like a Nigerian parent—hope for the best, but have a backup plan (aka ‘side hustle’). And remember: if you can survive Lagos traffic without losing your joy, you can survive anything." </p><p><br/></p>
At the end of each month, we give out cash prizes to 5 people with the best insights in the past month
as well as coupon points to 15 people who didn't make the top 5, but shared high-quality content.
The winners are NOT picked from the leaderboards/rankings, we choose winners based on the quality, originality
and insightfulness of their content.
Here are a few other things to know
1
Quality over Quantity — You stand a higher chance of winning by publishing a few really good insights across the entire month,
rather than a lot of low-quality, spammy posts.
2
Share original, authentic, and engaging content that clearly reflects your voice, thoughts, and opinions.
3
Avoid using AI to generate content—use it instead to correct grammar, improve flow, enhance structure, and boost clarity.
4
Explore audio content—high-quality audio insights can significantly boost your chances of standing out.
5
Use eye-catching cover images—if your content doesn't attract attention, it's less likely to be read or engaged with.
6
Share your content in your social circles to build engagement around it.
Contributor Rankings
The Contributor Rankings shows the Top 20 Contributors on TwoCents a monthly and all-time basis.
The all-time ranking is based on the Contributor Score, which is a measure of all the engagement and exposure a contributor's content receives.
The monthly score sums the score on all your insights in the past 30 days. The monthly and all-time scores are calcuated DIFFERENTLY.
This page also shows the top engagers on TwoCents — these are community members that have engaged the most with other user's content.
Contributor Score
Here is a list of metrics that are used to calcuate your contributor score, arranged from
the metric with the highest weighting, to the one with the lowest weighting.
4
Comments (excluding replies)
5
Upvotes
6
Views
1
Number of insights published
2
Subscriptions received
3
Tips received
Below is a list of badges on TwoCents and their designations.
Comments