Systems / System 01 — Income

Income is not only what you earn. It is what survives the next shock.

Briefings and playbooks for understanding Nigerian income paths through inflation, fuel, FX, cash cycles, regulation, and household pressure.

§ Briefings — explain the environment

Diagnostics

New Briefing 01 How money actually works in Nigeria The cash cycle, fuel as a price-setter, FX exposure, and why the same salary buys less each quarter. Read → Briefing 02 Dollar-earning paths after FX convergence Where hard-currency income still holds value once the official and parallel rates meet. In production Briefing 03 The Nigerian cash cycle How money moves through a household and a small business — and where it leaks. In production Briefing 04 Income surface and exposure Why two people on the same salary carry very different risk, and how to map your own surface. In production

§ Playbooks — guide execution

Execution

Live Playbook · POS The real cost of starting a POS business in 2026 Float, charges, theft risk, downtime, and the break-even maths most agents never run. Open playbook → Playbook · Pricing Repricing without losing every customer How to raise prices into inflation while keeping the relationships that carry the business. In production

§ Field cards — help in urgent decisions

Fast reads

Live FC-02 Before you borrow money What to confirm before the loan, and the trap that turns a small borrow into a long exposure. Open card → FC-01 Before you start POS Float, cash safety, and the numbers that decide whether the agency survives. In production FC-06 Before family pressure hits the float The line between your money and the business’s money — and how to hold it. In production

§ Tools — coming to this system

Calculators & checks

Buffer check

How many months your current buffer covers at today’s burn rate. In production

POS break-even

Daily transactions needed to cover float cost, charges, and downtime. In production

FX exposure

Share of your income and costs that moves with the naira/USD rate. In production

§ Source notes

Income system sources. Inflation and price indices: National Bureau of Statistics (NBS). Exchange rate and policy rate: Central Bank of Nigeria (CBN). Fuel pricing: NNPC and reported pump data. Figures shown across this system are indicative and change frequently — verify against the latest official release before acting. Full sources →