One of the greatest achievement in Nigeria is to become a student of tertiary institution after writing several SSCEs and JAMBs. Greater than that is to now study you preffered course but more greater than this is to see your name on the pass list to participate the in the much awaited NYSC. But most greatest of all is to successfully complete the service amidst many fears. So after the Passing Out Parade, what next? To many, its now time to go into the over crowded labour market and try our luck parhaps we may be fortunate to get "a job", it does matter if its suits my likeness or not, my aspirations or not, my potentials or not, what matters is the "pay". Its good and say its neccessary to look for a good paying job but graduating is just the beginning and not the end of reading, studying and researching. It is common among Nigerian graduates to stop reading after graduatiog from school. This is disheartening. It suppose to be the begining of personal development. Formal education will earn you a living but personal development through reading, listening and watching will earn you a fortune. I hear you say "where will I get the money to buy books, go to seminars, listen to audio tapes?" but I will also ask you where you get the money to buy BB, BIS monthly, data on your laptop etc. I have come to realize that real wealth is not in being an employee but its found in personal development. It has been said that "empty your pocket to fill your brain so that your brain will fill your pocket in multiples". It has also being said that "what its in your head determines what its in your hand". Am not saying you shouldn't look for a job after graduation but what am emphasizing here is that graduation is not the end of the journey, its actually the begining of a lifetme journey. Thanks. Kazrem Financial Education (KFE)