You're Not Rich. You're Temporarily Liquid.

FREE Excel + printable PDF, in any currency. The 5-Bucket Money Split shows how much of your money is idle, then splits it into five buckets, each with a clear job.

Used by members of the Financial Fitness Challenge™ community in Nigeria, the UK, the US, Canada and across Africa.

You're Not Rich. You're Temporarily Liquid.

FREE Excel + printable PDF, in any currency. Find out how much of your money has no job, then give every part of it one.

Used by members of the Financial Fitness Challenge™ community in Nigeria, the UK, the US, Canada and across Africa.

WHAT YOU GET

Every Part of Your Money Gets a Job

The worksheet splits your investable money into five buckets: Sleep-at-Night Fund (20%), One Focused Growth Bet (20%), Dividend Engine (30%), Currency Shield (20%) and Opportunity Reserve (10%). Whatever happens to your job, your currency or the markets, you are still standing.

  • Your 5 buckets, calculated in your currency, with green/red checks for the 20% rule

  • “Is Your Money Employed?”: see what % of your money is sitting idle with no job

  • Three ready-made splits to compare, plus the 7-question Never-Do Checklist

  • A dividend watchlist for any stock exchange, plus a 3-page printable PDF

GET THE FREE WORKSHEET ↑

"At 25, a bad bet is tuition. At 45, a bad bet is your retirement."

– Ogbo Awoke Ogbo, 23+ years investing

QUESTIONS?

Quick Answers

Is the worksheet really free?

Yes. Enter your first name and email and you'll get the Excel worksheet and the printable PDF straight away. I'll also send you a few short emails on growing your money, wherever you live; you can unsubscribe anytime.

Do I need Microsoft Excel?

No. The worksheet also opens in Google Sheets, Numbers or Excel on your phone. Prefer pen and paper? Print the 3-page PDF and fill it in by hand.

Is this financial advice?

No. The worksheet is an educational illustration, not personal financial advice. Your income, family and debts are different, so adjust the numbers to your situation. Invest only through a licensed broker, bank or regulated platform in your country.

I live in the UK, US or Canada. Does this work for me?

Yes. Choose your currency (dollars, pounds, euros, naira, shillings, cedis, rand and more) and the worksheet does the maths. If you already save in a strong currency, it moves the Currency Shield into your Dividend Engine for you.

© 2026 Ogbo Awoke Ogbo

All rights reserved.

Not financial advice.

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