I have spent my career building financial products, most recently at YALO Technologies in Lagos, where the work centred on getting credit and financing to people who are usually left out of the formal system.
That is a useful place to learn from, because you see very clearly where financial tools break down for ordinary people. Usually not at the maths. Usually at the point where someone is asked to already understand something before the tool will help them.
What I write about
Debt repayment, budgeting, and practical ways to bring in extra income. The common thread is that everything has to be usable by someone who is not a finance person and does not want to become one.
I am particularly interested in the behavioural side. Why people abandon payoff plans in month four, why budgets that look sensible on a spreadsheet fall over in real life, and what small changes make a plan survive a bad month.
How the content is made
Everything on Clearpath is written or reviewed by me. Where I use a worked example with numbers, I say clearly when it is illustrative rather than a real person's story, because inventing testimonials is a line worth not crossing.
Factual claims lean on public sources like the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Reserve, and the National Foundation for Credit Counseling. Those get listed at the bottom of each article.
What I am not
I am not a licensed financial advisor, and nothing here is personal financial advice. I build tools and write explanations. If you are dealing with something serious, a qualified professional who knows your full situation is worth talking to, and a nonprofit credit counsellor is usually free.
Get in touch
If something here is wrong, unclear, or missing, I want to know. Write to hello@clearpath.click and it comes to me directly. I read everything and reply to most of it within a couple of days.