“Financial success is not a hard science. It’s a soft skill.” — Morgan Housel In this episode, we unpack the silence, fear, and misconceptions surrounding money — especially among women. From personal experiences of earning well but having nothing to show for it, to the cultural and emotional barriers that shape how we think about money, this conversation goes beyond budgeting and saving. Our guest, Ibiyinka Ibru, is a certified financial planner and wealth manager focused on helping young professionals and business owners build sustainable wealth. With over a decade of experience across Paystack, AXA Insurance, and consulting, she brings both practical insight and lived experience to this conversation. Together, we explore how financial habits are formed, why so many people feel stuck despite doing “everything right,” and what changes when we begin to ask better — and more honest — questions. This is a conversation about money, but also about identity, community, and the systems that shape what’s possible. Follow The World Without People Instagram - https://instagram.com/twwpcast TikTok - https://www.tiktok.com/@twwpcast X (Twitter) - https://x.com/twwpcast Website - https://www.worldwithoutpeople.org Timestamps 0:00 — Introduction 2:30 — “I thought salary would be enough” 6:00 — The turning point: planning a wedding & financial reality 10:30 — Asking uncomfortable questions about money 15:00 — “Most people don’t actually know what they’re doing” 18:30 — Money mindset: fear, trauma & upbringing 24:00 — Why Nigerians don’t talk about money 30:00 — The cost of silence (especially for women) 36:00 — Community, collaboration & missed opportunities 42:00 — The problem with “diversifying” incorrectly 47:00 — Strategy vs trial and error 52:00 — Vision for Nigeria: access & opportunity