Owo Academy · Learn at your pace

Money knowledge.
Everyday confidence.

Twelve short lessons for the financial decisions Nigerians actually make: inflation, T-bills, mutual funds, dollar hedges, Japa funding, and more.

See the curriculum ↓Get early access →
OWO ACADEMY / FIELD NOTESYour money.
Understood.L01 — The Naira reality check
8 badges to earn
12Lessons
5 minPer lesson
8Badges
₦0Always free
Why this exists

Most "financial literacy"
is useless in Naija.

Western personal-finance content assumes credit scores, 401k, mortgages at 3%, and a stable currency. We don't have those. We have rent that triples in two years, ₦/$ that swings 40% in a month, and family who'll call when school fees are due. Owo Academy is built for this reality — not a Suze Orman remix.

Owo AI is your tutor

Every lesson ends with an AI-driven quiz that uses your own numbers. Not a multiple-choice test — a real conversation. "If you have ₦450k income and rent of ₦150k in Lagos, what's your safe T-bill allocation?" Then it shows the math.

The Curriculum

12 lessons.
Each one is 5 minutes.

Phase 1 launches three lessons + Owo AI quizzes. The rest unlock through Q3 2026. Track progress in your dashboard.

L01
The Naira reality check
Inflation, devaluation, and why the ₦100k you saved in 2020 is now worth ₦42k. The starting math.
5 min• Live Q3
L02
Treasury Bills, demystified
CBN T-bills give 18-25% p.a. in Naira. Better than your savings account. Here's the catch and how to actually buy one.
6 min• Live Q3
L03
Mutual funds without the BS
Money market vs equity vs balanced. What ARM, Stanbic, FBN, and Cowrywise are actually selling you.
5 min• Live Q3
L04
The dollar hedge — should you?
Risevest, Bamboo, Trove. When holding USD makes sense and when it's just FOMO.
5 minQ4 2026
L05
Black Tax — the honest math
You can't escape it. You can structure it. How to plan family support without burning yourself out.
6 minQ4 2026
L06
Rent in Lagos vs Abuja vs Yaba
When 1-year-paid-upfront breaks you. How to negotiate. What 30% rent ratio really means.
5 minQ4 2026
L07
Side hustle money — sort it
The Naira freelancer's tax, savings, and FX problem. Building a buffer when income is lumpy.
6 minQ4 2026
L08
The Japa fund playbook
UK/Canada/US visa fees, tuition, 6mo runway. Building £40k from ₦300k income. Realistic timelines.
7 minQ4 2026
L09
Insurance that's not a scam
HMOs vs life insurance vs travel cover. What actually pays out in Nigeria.
5 minQ1 2027
L10
Pension Fund Administrators
RSA, AVC, and the 3 PFAs actually worth using. How to switch.
5 minQ1 2027
L11
Buying property in Naija
Lands, mortgages, off-plan scams, REITs. What ₦20M actually buys you and where.
8 minQ1 2027
L12
The 10-year plan
Putting it all together. How a ₦400k earner becomes a ₦40M net-worth in a decade. Real math, no hype.
10 minQ1 2027
Earn as you learn

Badges that mean
something.

Finish a lesson, ace the AI quiz, earn a badge. Stack 5 for a LinkedIn-shareable cert. (We're not gamifying for engagement metrics — we're gamifying so you actually finish.)

Starter
L01 done
T-Bill
L02 + quiz
Fund Pro
L03 mastered
Dollar Hedge
L04 unlocked
Landlord-proof
L06 done
Japa Ready
L08 mastered
Money OS
All 12 done
Teacher
Refer 3 students

Get notified when L01 drops.

Phase 1 (L01–L03) launches Q3 2026. We'll DM you a free unlock code the day it ships.

Reserve my seat