𝐓𝐡𝐢𝐬 𝐈𝐬 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞...

So… this is very common lately.

On the streets of TikTok, IG, and all the socials, someone's talking about stocks that "could change everything." Everybody and their friends are talking money, stocks that would explode… make you rich… and all.

And then they say… "before we continue…

…𝘛𝘩𝘪𝘴 𝘪𝘴 𝘯𝘰𝘵 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦."

Ta... stop that!!

It sure is. Don't let anyone kid you. That right there… is very financial advice. It's like saying "no offense" right before you say something offensive.

That disclaimer protects nobody

Truthfully yeah, that disclaimer doesn't protect the speaker or the listener. Everyone is culpable.

You get to sound like an expert, build an audience, influence decisions—but when things go wrong, you were never actually "advising" anyone. Dey play!

Legally, giving financial advice means getting a SEC license, oversight, and accountability. Social media doesn't erase those rules—it just makes them easier to ignore. And that you ignore a law doesn't mean it doesn't exist, and it can't bite you!

So even if people think they found a workaround by using the "say the thing, and add a disclaimer" model, they're just fooling around.

Strip away the complexity, and it's simple: telling someone what to do with their money in a way that moves them to act is financial advice.

Shikena!

If you name a stock, paint a picture of returns, and create urgency—you're guiding decisions. Decisions move money. 

The disclaimer doesn't change that. It just shifts the risk.

𝗪𝗵𝘆 𝘁𝗵𝗶𝘀 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝗻𝗼𝘄!

The Nigerian market's been strong. And bull markets make everyone look smart. Turns timing into insight, as followers replace credentials. 

And because losses show up slower than gains, accountability disappears quietly.

And when people are dealing with inflation, currency pressure, income anxiety—investing isn't just financial. 

It's hope.

Hope opens wallets as it lowers skepticism.

So "these stocks could change your life" doesn't sound reckless. It sounds like a way forward.

That's when disclaimers become dangerous. 

They sound like protection, until the market turns. Then everyone remembers the fine print.

The problem is not the content. It's the context.

A 25-year-old with steady income and a 50-year-old business owner shouldn't be taking the same advice. Their risk tolerance and time horizons are different.

Social media flattens all that. Treats investing like it's one-size-fits-all.

Unfortunately, markets don't care. They punish confusion the same way they punish recklessness.

Be Honest

Not gatekeeping. Just honesty.

Talk about what could go wrong, not just right. Be clear about who something isn't for. Say that patience isn't sexy but it's necessary.

That doesn't go viral as fast. But it builds trust.

So...

Next time someone says, "This is not financial advice," 

pause.

And tell yourself…. 

"This is financial advice!"

Because it is what it is!!