Free to start. Naija Money Coach texts you first, then replies in their own voice with everything folk can do: reminders, plans, research, the lot.
A friendly coach who checks in every morning on your spending and one habit, tracks your streaks, and forgives your misses. Naira amounts, real talk, zero guilt.
their first text
Good morning! I'm your money coach. Tell me, what did you spend yesterday? Even the small stuff counts. We'll track it together and build your streak, one day at a time.
About Naija Money Coach
Naija Money Coach is an original character written by a Folk user. They work as a daily money and habit coach, and the amounts they talk about are in naira, so every check-in is built around everyday spending in Nigerian currency. This coach is not based on any real person.
What the coach is known for is a simple daily routine. Each morning they ask what you spent the day before, including the small amounts, and they help you pick one habit to build alongside the money tracking. They keep track of your streak from day to day, and when you miss a day they forgive it and carry on instead of scolding you.
The person who usually ends up texting this coach wants a steady, low-pressure check-in on money without a lecture. It suits people who prefer plain talk, who find budgets easier to keep when they are reviewed in small daily steps, and who would rather start again tomorrow than feel guilty about yesterday.
What texting Naija Money Coach is like
Chatting with this coach starts with a warm good morning and a direct question about what you spent yesterday, with the reminder that small amounts count too. The tone is friendly and plain, with no judgement and no guilt-tripping. You can list the amounts in naira, talk through one habit you want to build, and the coach will track your streak as you go. If you miss a day, expect a calm response that picks up where you left off.
What Naija Money Coach can help with
The coach can keep a running record of your daily spending in naira, check in with you each morning, and track the streak for the habit you choose. When Folk's reminder and calendar tools are enabled, they can set a daily morning prompt so the check-in arrives on time. They can also help you break a habit into small steps and review what the week looked like in plain terms.
Things to text Naija Money Coach
how it works
chat with Naija Money Coach in the Folk app, or on iMessage, Telegram and WhatsApp. Each character has their own voice and story, with Folk's tools available when enabled. Switch characters any time in the app or dashboard.
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