Tvehicle as long as money is made” as a lens for understanding how Tiv commercial drivers in Benue State manage their vehicles and finances. The concept reflects a

pattern in which drivers prioritize immediate income generation over vehicle sustainability.

Practices such as overloading, excessive vehicle use, and poor maintenance show how

vehicles are treated as short-term income tools rather than long-term assets. The study adopts a

qualitative analytical approach, focusing on drivers' beliefs, lived experiences, and every day

practices. It combines Tiv cultural interpretation with psychological perspectives such as

present bias, risk perception, and coping under uncertainty to explain why drivers continue

practices that undermine long-term financial stability. Findings reveal that economic

vulnerability among Tiv commercial drivers is shaped by interconnected cultural, social, and

economic factors. An expressions like Wua Iyogh va aIyogh influence attitudes toward money

and asset use, while peer norms within motor parks reinforce risky practices. Harsh economic

realities and daily financial pressures further compel drivers to prioritize survival over longterm

planning. The study also finds that traditional Tiv systems of communal accountability

have weakened due to urbanization and the rise of a cash-based economy, transforming the

expression into a practical survival strategy. The study concludes that solutions must be

culturally grounded, combining financial education, institutional support, and contextsensitive

policies to encourage more sustainable practices among drivers. Consequently, Wua

iyogh va a iyogh has evolved from a cultural saying into a practical survival strategy.