I strongly believe every single day is the beginning of a new year in my life. And rather than wait till January 1st before I set my New Year’s Resolution, I do that every single day i wake up.

Get yourself a ring-binder or a higher education book and start writing your goals and aspiration off-hand every single day. If you can discipline yourself to perform this activity for just 21 days, you will see how effective it is at separating the unnecessary task aside and focusing on the most important goals of your life.

Personally have realized that being effective is in the list. And if you don’t create a daily list of your activities, you’re not better off than someone without a destination. You want to make good use of your time, endeavor to create a daily list the night before.

Below is the Triple-A Formula that will help you achieve your millionaire dream:


This much more than saying, “I want to be a millionaire.” It’s the dream, the very clear vision of what you want.

It’s what you will have once you reach your goal such as, “I will have the freedom to pursue my love of travel,” “I will be able to contribute more to my favorite charity,” “I will be able to spend valuable time with my children,” etc.


This is the education part, where you gather the information you need to take action. What do you need to study to reach your financial goals, and how are you going to get that information?

Whether it’s reading a book, watching a finance video or television program, listening to an investment radio-show, or conducting some research online, set aside some time each day to increase your financial education and learn about money.

NOTE: Set aside some time each day, not each week, month or year.


This is the stage where most people stop due to fear. But in order to reach goals and be successful, it is necessary to apply the knowledge you acquire and take action.

Many Nigerians will never take action because it’s uncomfortable. I use to be that way for a long time, I will plan to do something and later change my mind after seeking the advice of people around me. Later on, I changed that concept and will just do whatever I want to do irrespective of the opinion of the people around me. And my life turned around.

Please! Just do whatever you want to do, no matter the time required (especially when you’re not sure of the outcome). Because whether you like or not 2, 5, 10 years will come and go. You will be better off doing it, learn why it didn’t work and move on, rather than do nothing for 10 years.

In order to be successful with the Triple-A Formula, you need to have the foundation of discipline, hard-work and consistency. Together, they are a powerful combination for changing your future, whether it’s the New Year…or any time of the year.

All of us at 9jacashflow.com wish you a prosperous 2018!