Vex Money: The Financial Safety Net You Didn’t Know You Needed

It’s not pride, it’s preparedness. – Said every financially free Nigerian ever. 

I once heard someone say, 

"I knew I had to get my life together the day I had to borrow money… to borrow money." 

We laughed, but let’s be honest, we’ve all been there. At that moment when the POS says, “insufficient funds,” your Uber cancels because your card declines, and suddenly, everything feels ten times more embarrassing than it should. 

That, my friend, is what it means to not have Vex Money. 

It’s not just about having “extra.” It’s about having backup. It’s what gives you the power to say, “I’m done,” “I’ll figure it out,” or “Not today, please” - without calling three people first or sitting in silence, hoping the moment passes. 

Vex Money is not revenge money. It’s freedom money. And in Nigeria? Everyone needs it. 

So… What is Vex Money, Really?

It’s the money you stash, not for bills, not for rent, but for emergencies and more. It’s money for dignity. Vex Money is the soft landing when life switches up. It’s what let's you say: 🗣️ “I’m done.” 
And be done, not stuck waiting for your next salary or someone else’s help. 

Vex Money has often been talked about in the context of awkward dates and last-minute exits, but in truth, it’s bigger than that. Whether you're dealing with work drama, landlord stress, or life just doing its thing, everyone deserves a financial escape plan.

 

But What Counts as an Emergency, Though? 

Not vibes. Not boredom. And definitely not that random “Up to 80% off” email you get from your favourite brand. 

Real Vex Money-worthy emergencies look like: 

• 🏥 Medical bills (unexpected, urgent, can’t-delay kind of stuff) 

• 🚗 Car repairs (especially in cities where traffic has other plans) 

• 🏚️ House disasters (pipes burst, roof leaks, landlord ghosting) 

• 👨‍👩‍👧 Family wahala (black tax anyone) 

• 💼 Job loss or sudden income shock (hello inflation, goodbye paycheck) 

 

How Much Vex Money Should You Have? 

The ideal target? Six months' worth of your essential expenses. 

If you spend ₦200k/month on rent, food, transport, and bills, aim for ₦1.2 million. But don’t stress, even ₦50k of Vex Money is better than ₦0 and vibes. Start small. Stack consistently. That’s where we come in. 

💡 Our automated Emergency Savings product takes the guesswork out for you. It helps you create a buffer by enabling you to build 3 months’ worth of your income with ease. 

 

Where to Keep Your Vex Money So It Doesn’t Rot? 

Money under your mattress gathering dust and God knows what else? . Or regular savings accounts being dragged by inflation?  Want IN on where smart Nigerians park their Vex Money? Keep reading: 

 

💰 Chapel Hill Denham Money Market Fund (MMF) 

Low risk. Decent return. Very liquid. 
✅ Earn daily returns 
✅ Withdraw when you need it 
✅ Your cash works quietly while you chill 

 

💸 InvestNaija SaveIN or PlanIN

✅ You can even hide the money from yourself.
✅ Perfect for discipline without stress.

 

🔒 FGN Savings Bonds & Fixed Income 

Great for if you want to instil discipline and stay locked into a higher-return instrument for the long haul. No impulse spending. Just peace.

 

How to Stack Vex Money Without Stress

Let’s be honest, “extra money” feels like a myth. But even in this chaos, you can build Vex Money if you stay intentional. 

Here’s how: 

1. ✅ Treat it like rent. Save it first, flex after. 
2. 💸 Start from one month of expenses. That first ₦200k changes your mindset. 
3. 🔁 Automate it with SaveIN/PlanIN. Salary drops? Your fund gets its cut. 
4. 📉 Cut what doesn’t serve you. That Friday night cinema habit? Maybe alternate weeks. 
5. 📈 Side hustle if you can. Use extra income to pad the fund, not the lifestyle.

 

Final Word: Don’t Let Life Catch You Slipping 

Whether it’s a bad boss, a breakup mid-road trip, or just a month where everything goes wrong, Vex Money is your power. 

It’s not about having millions. It’s about having enough to say, “I’ll figure it out. On my terms.” 

 

So, how’s your Vex Money looking? 

💡 Start with as little as ₦5,000 using InvestNaija’s Emergency Savings Plan or the Chapel Hill Denham MMF and build the kind of freedom no one can take from you. 

Because dignity? It’s expensive. But with the right plan, you can afford it.