Weekly Digest: How to Become a Millionaire on a 9–5 Income + Over $2M in Web3 Opportunities | Issue 58
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Hey dear reader, Glory Praise (your Web3 buddy) x Creaitz (your career accelerator) here, and today, we'll be creating millionaires 💵.
Missed our last edition? Grab it here.
Can you Become a Millionaire on a 9-5 Salary?
Yes, you can.
Most people believe the 9–5 is a trap.
A job that pays just enough to keep you coming back.
Some even believe it’s a never-ending cycle of “collect salary → pay bills → take loans → wait again.”
But what if the problem is not the job… but what you do with what you earn?
Today, we’re not going to tell you to quit your job or list jobs that are going extinct soon.
We want to show you how you can actually become a millionaire with your job.
Now, let’s get into it.
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Quick Fact You Should Know
Did you know that over 30% of millionaires in the U.S. never owned a business?
So what did they do?
They simply earned, saved, and invested consistently.
And yes, many of them worked regular jobs.
And we’ll be sharing the game plan with you.
Get the Game Plan
Step 1: Understand that your salary is a seed, not a fruit
Your salary is not your reward. It’s your starting capital.
And the mistake most people make is that they eat their seed, they spend it all especially because it doesn’t look like it can do much.
But if you plant it (save, invest, or multiply it), it grows.
Truthfully, your salary won’t make you a millionaire next year.
But what if you consistently saved 20% every month for the next 2 years in a high-yield investment?
That seed will start to work harder than you.
Platforms like BitSave (an easy crypto savings platform) or traditional fintech platforms allow you to save in an accountable way.
Step 2: Master the art of budgeting without being miserable
No, budgeting doesn’t mean suffering yourself.
It’s about telling your money what to do before it tells you what it did🙂.
Take this simple 50/30/20 method as a guide (but feel free to adjust to your reality):
50% Needs: Rent, food, transport
30% Wants: Soft life, flex
20% Future: Savings, investment, emergency fund
Even if your income is small, when you structure it right, you have more control.
And yeah, you can’t build wealth if you don’t know where your money is going.
Step 3: Learn to make your salary work overtime
You work 9–5.
But your money can work 24/7, if you invest it in the right assets.
Easy places to start include:
Fixed-income investments
Money market funds
Dollar savings platforms
Crypto savings platforms e.g. BitSave
The goal isn’t to be fast.
It’s to be consistent.
Step 4: Use your 9–5 to fund skill acquisition
The best investment is an investment in you.
Use part of your salary to learn high-income skills that can later multiply your income.
Examples are:
A skill you learn today might become the side hustle that pays you millions monthly next year.
And who says you can’t keep your job while doing it? 😎
Step 5: Protect your money from ‘lifestyle creep.’
The moment your salary increases, so does your responsibility, and so does your spending.
New phone. Better apartment. Expensive perfume.
Don’t upgrade your life too quickly.
Increase your savings before you increase your expenses.
This is how regular people earning a meagre salary build a savings account of 5 million in 4 years. Quietly. No noise.
Here’s What You Can Start Doing Today:
Track your spending (Check out this guide on practical ways you can track your spendings)
Open an investment account.
Read one finance book a month
Join a community that shares money growth tips, not just vibes.
Creaitz is a good place to start 😉
Disclaimer:
This newsletter is for educational purposes only and not financial advice. Always do your own research or speak to a licensed professional before making financial decisions.
Now, let’s dive into what’s hot this week!
ICYMI - This Week's Highlights
💰 Hot Opportunities
1. Win $50 at Stellar Creators Campaign here
2. Apply to volunteer at Devconnect Argentina here
3. Win free 2024 M4 Pro MacBook Laptop here
4. Very good Solidity developer needed here
5. Apply to join Web3 Global Conference Team here
6. Join the #2A1VChallenge here
7. Apply to speak at the Web3Lagos Conference here
8. Apply to volunteer at EthEnugu 2025 here
🌍 Major Events Spotlight
1. Nigeria Stablecoin Summit
Date: July 24th, 2025
Location: Lagos
Link: Reserve Your Spot
2. The DevRel Meetup + Unconference
Date: July 26th, 2025
Location: Lagos
Link: Reserve Your Spot
3. ETHNigeria Hackathon Residency 2025
Date: July 26th, 2025
Location: Lagos
Link: Reserve Your Spot
4. Starknet CodeJam Workshop, Lagos
Date: July 26th, 2025
Location: Lagos
Link: Reserve Your Spot
5. Starknet CodeJam Workshop, Nairobi
Date: July 26th, 2025
Location: Nairobi
Link: Reserve Your Spot
6. ETH Enugu
Date: August 4th-16th, 2025
Location: Enugu
Link: Reserve Your Spot
7. OSCAfest
Date: August 14th, 2025
Location: Lagos
Link: Reserve Your Spot
8. ProdFest: Web3 Products Festival and Hackathon
Date: August 19th-24th, 2025
Location: Jos
Link: Reserve Your Spot
9. Web3Lagos Conference 4.0
Date: August 28th-30th, 2025
Location: Lagos
Link: Reserve Your Spot
10. StableAfrica Summit 2025
Date: September 10th-11th, 2025
Location: Lagos
Link: Reserve Your Spot
11. Onchain Conference 2025
Date: September 10th-11th, 2025
Location: Lagos
Link: Reserve Your Spot
12. Onchain Festival 2025
Date: October 27th, 2025
Location: Lagos
Link: Reserve Your Spot
🎯 Growth Opportunities
Jobs
Vara is hiring ambassadors here
Grants
The Seed Grant Program: Check it out here
Questbook Compound Grants: Check it out here
Mantle Lightning Grants: Check it out here
Vara Grants: Check it out here
Open Source
Ethereum Foundation Bug Bounty: Register Now
Celo & Scout Game: Start here
OnlyDust: Contribute to Open Source and Earn
Fellowship
The Next Billion Fellowship: Start here
Hackathons
FAIR3 Fairness Hackathon: Register here
The Cookathon: Register here
ai/accelathon on Sei: Register here
ICP - WCHL25: Register here
Hedera Africa $1M Hackathon: Register here
Morph's Consumer Buildathon: Register here
Core Connect Global $1.2M Buildathon: Register here
Bounties
💼 Career Corner
Work & Earn
Superteam Earn: Check it out here
Wolf Pack League: Check it out here
Morph Contributors Guild: Check it out here
📺 Featured Content
Can Women Really Succeed in Tech and Web3?
In this episode of Seen, I sat down with Kween Wealth, a mom, wife, and Web3 thought leader, to talk about what it really takes for women to thrive in tech and Web3.
From seizing opportunities to building boldly, her story is a reminder that women absolutely belong here. It’s real, it’s empowering, and you’re going to want to take notes.
Watch Now
5 Remote Jobs You Can Start (No Experience Needed)
You can land remote jobs with no degree or experience in 2025.
This video shows you how to do it and covers:
✅ Entry-level remote jobs that can pay you in dollars
✅ How to find jobs
✅ Realistic advice and warnings to avoid when working remotely.
🔗 Let's Connect!
Whenever you're ready, there are 3 ways Creaitz can help you:
1. Promote your business to our community: Showcase your brand or business to our audience of digital talent, freelancers, and professionals. Email: community@creaitz.com
2. Join the Community: Join 3,000+ community members to access real-time training, resources, opportunities, and jobs to help you build a thriving digital career.
3. Get Templates: Join over 500 people who use our templates and tools to work productively.
Whether you're looking to collaborate, share opportunities, or just chat about the latest in blockchain, everything you need is right here:
Connect with Glory Praise on any of these platforms
Enjoyed this edition? Forward it to a friend who’s sleeping on Web3. And don’t forget to download your free Hackathon eBook, it’s a game-changer.
Talk soon,
Glory Praise Emmanuel
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