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Nigerians In USA, Do You Save More Than N15 Million Yearly? - Travel (2) - Nairaland

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Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by Fash20: 12:04pm On Mar 07
MrGoood:

Big man? You must be joking , Am short and skinny , Maybe because of my circle I do feel like am poor , I know someone who spend millions on burial , She’s a lady for that matter , I won’t try that currently so how am I big

It's not by physical appearance and doesn't really depend on how much one spends extravagantly. It's by what's in bank and the investments.

So, baba show me way

9 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by Ibrahimmrfish(m): 12:05pm On Mar 07
MrGoood:
As someone who don’t womanize , No family problem, How much can average worker save in those cities you mention , I eat a lot thou . Am trying to scale my decision,
In California, the minimum wage is $15,but not all employers honor the payment, especially if you are not yet a citizen.But other states minimum wages are even lower than California some even pay $8 to $10. But is easy to get a job in California compare to other state.If you want cheap accommodation, you can stay in the project or low income housing,but the security situation is not that good so i advice you don't. As for food,if you decide to go for junk foods,they are affordable compare to vegetables and as for women go for single moms,they are less likely to demand for Money and are looking for a serious relationship.

21 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by BigDawsNet: 12:07pm On Mar 07
Yes when you are a professional and you work for company like Microsoft, Tesla , Samsung or Apple.. specially as a software engineer
Or you into medicals and you work with Lincoln hospital in Newyork as a medical doctor then it's possible you make 15m and more

But if you hustling with blue collar job...it's really impossible...

You have lots of bills to pay which are very important for you to maintain your status as a law abiding resident...

In the states we have 3 categories of people

Wealthy/Rich
Comfortable
Poor

Don't be deceived, when you land Only God and your destiny/hardwork will choose one of that categories for you

Goodluck

49 Likes 2 Shares

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 12:14pm On Mar 07
Ibrahimmrfish:

In California, the minimum wage is $15,but not all employers honor the payment, especially if you are not yet a citizen.But other states minimum wages are even lower than California some even pay $8 to $10. But is easy to get a job in California compare to other state.If you want cheap accommodation, you can stay in the project or low income housing,but the security situation is not that good so i advice you don't. As for food,if you decide to go for junk foods,they are affordable compare to vegetables and as for women go for single moms,they are less likely to demand for Money and are looking for a serious relationship.
How many hours weekly work and what percentage go in tax , And I don’t even want a serious relationship, No free relationship anyway, Don’t even mention independent ladies or self employed, The more classy the more her problem, One way or the other fire must burn one person in the relationship, You might not spend on a rich lady directly but imagine you going to expensive concert and using hotel to pass the night , 500k is off in one occasion and that might happen twice in a months, 300k table for two and Golden tulip 200$ a night , You will eat and do those unnecessary stuff, Without concert, You will spend on one thing sha ni , I hardly save 15 million when I was dating couple with families I was drained below 10 mill in 2019, Covid 19 is a blessing to me because I saved and stop shit draining money, I promise myself unless I turn billionaire, No help from me to anyone, Honestly, I need to plan for my upcoming generation.

16 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 12:19pm On Mar 07
BigDawsNet:
Yes when you are a professional and you work for company like Microsoft, Tesla , Samsung or Apple.. specially as a software engineer
Or you into medicals and you work with Lincoln hospital in Newyork as a medical doctor then it's possible you make 15m and more

But if you hustling with blue collar job...it's really impossible...

You have lots of bills to pay which are very important for you to maintain your status as a law abiding resident...

In the states we have 3 categories of people

Wealthy/Rich
Comfortable
Poor

Don't be deceived, when you land Only God and your destiny/hardwork will choose one of that categories for you

Goodluck
very good insight, Thanks a lot

4 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by OnlyDeCapPlease(m): 12:36pm On Mar 07
MrGoood:
I am a businessman and the thing is I am in for money in any choice I make , I make around 22 million in savings last year, Thou I cut family and girlfriends off my life to achieve that and am in Nigeria , But seeing the doings of people outside The country, There was an America based lady that spend over 12 million naira on her mother burial, For her to spend that much I believe she will have 20x of that amount , Atleast for an upright thinking fellow, I feel like am making less so am thinking of relocating, Can I make over 22 million yearly in savings in USA, If no how much can I save, Talk from your personal experience pls, Let stop deceiving each other pls, How much did you save annually in USA ? please let be sincere

Let me just talk about the bolded.

A lot of people abroad might view such as a 'one off' expense therefore are prepared to take a loan, put it on a credit card, use up life savings or even remortgage. Some self employed or business people might find a way to put it down as a business cost so that it becomes 'tax deductible'. I might go as far as saying that 90% of people living abroad will do the aforesaid or something similar after which they will take their time to pay off debts or replenish savings.

Then there are the lucky ones for whom N12m (about $30k) will be money that they can just take out of balance of a current account and it will not affect anything because thousands is going in there daily, weekly or monthly. Such people might even have a $50k to $100k authorised overdraft.

Then we have the fraud people......

25 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 12:41pm On Mar 07
Ibrahimmrfish:

In California, the minimum wage is $15,but not all employers honor the payment, especially if you are not yet a citizen.But other states minimum wages are even lower than California some even pay $8 to $10. But is easy to get a job in California compare to other state.If you want cheap accommodation, you can stay in the project or low income housing,but the security situation is not that good so i advice you don't. As for food,if you decide to go for junk foods,they are affordable compare to vegetables and as for women go for single moms,they are less likely to demand for Money and are looking for a serious relationship.

I make some calculations, 40 hours work in a week, 160 hours monthly x 15= 2400-1300 rent =1100$, Let say you pay bills , Phone, Water, Tax et all for 500$, You eat for 300 , You save 300$ monthly , Am i right or wrong in my calculations? If yes , Greet america for me, I am here , God bless Nigeria

23 Likes 2 Shares

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by Nobody: 12:43pm On Mar 07
OnlyDeCapPlease:


Let me just talk about the bolded.

A lot of people abroad might view such as a 'one off' expense therefore are prepared to take a loan, put it on a credit card, use up life savings or even remortgage. Some self employed or business people might find a way to put it down as a business cost so that it becomes 'tax deductible'. I might go as far as saying that 90% of people living abroad will do the aforesaid or something similar after which they will take their time to pay off debts or replenish savings.

Then there are the lucky ones for whom N12m (about $30k) will be money that they can just take out of balance of a current account and it will not affect anything because thousands is going in there daily, weekly or monthly. Such people might even have a $50k to $100k authorised overdraft.

Then we have the fraud people......

OP, listen to this guy. He understands how America works!

12 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 12:47pm On Mar 07
OnlyDeCapPlease:


Let me just talk about the bolded.

A lot of people abroad might view such as a 'one off' expense therefore are prepared to take a loan, put it on a credit card, use up life savings or even remortgage. Some self employed or business people might find a way to put it down as a business cost so that it becomes 'tax deductible'. I might go as far as saying that 90% of people living abroad will do the aforesaid or something similar after which they will take their time to pay off debts or replenish savings.

Then there are the lucky ones for whom N12m (about $30k) will be money that they can just take out of balance of a current account and it will not affect anything because thousands is going in there daily, weekly or monthly. Such people might even have a $50k to $100k authorised overdraft.

Then we have the fraud people......
50k overdraft? you’ve made it in life , 4 million loan in Nigeria is hard , So a bank will release a money for your bills and overdraft you because they know you will pay ? That’s a big man shit, it’s very easy , Pay the overdraft and overdraft it again , just make sure the bank don’t shut the account

6 Likes 1 Share

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by weslay: 12:48pm On Mar 07
kovic20:
Depends what you do in America. If you work for somebody or company, I don't care if you are a doctor, engineer or lawyer, or mere warehouse worker, your income will be limited by tax even if you live frugally because you have no control of your taxes and you will shed almost 50% in taxes if you make more across taxes (federal, state, property and estate). Lets say you make $150k, government collect almost $75k in taxes across. You are left with $75k, after your house, car, emergency and personal expenses, you re left with $10-20k in the bank every yr. You can live a comfortable life but you will never be wealthy!

Now, if you own your own business, not mom and pop kiosk, I mean real business over $500k in revenue, you will have more control of your taxes. Once you understand how America works, which most Nigerians or black immigrants never understand anyways...just living the American dream blindly( big house and nice cars) and fatally in debt, you will know that America rewards business owners and entrepreneurs. Most Asian immigrants understand this which is why they own their own business and don't work for people!

Any Nigerian you know that is very very wealthy in America, has his/her own big business. These are not small boys and girls, they have over 5 employees (that's over $200k/90million in payroll a year assuming $45k each employee a yr), business location cost $500k-$5million. They rarely pay taxes because their business give them that advantage. Go and read why and how the rich in America pay zero to no taxes...actually government doesn't want you to if you create job, invest or an entrepreneur!

Wisdom

2 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by PDJT: 12:53pm On Mar 07
MrGoood:

I make some calculations, 160 hours monthly x 15= 2400-1300 rent =1100$, Let say you pay bills , Phone, Water, Tax et all for 500$, You eat for 300 , You save 300$ monthly , Am i right or wrong in my calculations? If yes , Greet america for me, I am here , God bless Nigeria

-For a selfish “millionaire” who is happy in Nigeria, and probably has his own security and emergency services in case of his inevitable health emergencies, you write very badly.

-When I saw this “Dick-measuring” thread on the politics section, I knew it will end up with your above submission.

-Was it not last year or so, that your country’s data office said; majority of you Nigerians doesn’t even have up to #500k in savings. grin

29 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 1:00pm On Mar 07
PDJT:


-For a selfish “millionaire” who is happy in Nigeria, and probably has his own security and emergency services in case of his inevitable health emergencies, you write very badly.

-When I saw this “Dick-measuring” thread on the politics section, I knew it will end up with your above submission.

-Was it not last year or so, that your country’s data office said; majority of you Nigerians doesn’t even have up to #500k in savings. grin
Point one millionaire who is not selfish , just one pls, billionaire dash millions, millionaire dash thousands, while thousandnaira dash hundreds, That’s the scope sir and can you correct my errors , Am willingly to learn and I am not calling anyone out , I am thinking of making more , why will I shade people abroad? I can’t feed them so what’s my business, I am only seeking first hand experience

36 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by nabiz(m): 1:01pm On Mar 07
MrGoood:
I am a businessman and the thing is I am in for money in any choice I make , I make around 22 million in savings last year, Thou I cut family and girlfriends off my life to achieve that and am in Nigeria , But seeing the doings of people outside The country, There was an America based lady that spend over 12 million naira on her mother burial, For her to spend that much I believe she will have 20x of that amount , Atleast for an upright thinking fellow, I feel like am making less so am thinking of relocating, Can I make over 22 million yearly in savings in USA, If no how much can I save, Talk from your personal experience pls, Let stop deceiving each other pls, How much did you save annually in USA ? please let be sincere
I think you are already making money in Nigeria. what you need is expansion and diversification. My only fear is the instability in Nigeria system. Nigerian businesses environment is full of uncertainties. just one political or economic policy can send you back to square one.

22 Likes 1 Share

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 1:04pm On Mar 07
nabiz:
I think you are already making money in Nigeria. what you need is expansion and diversification. My only fear is the instability in Nigeria system. Nigerian businesses environment is full of instabilities. just on political or economic policy can send you back to square one.
My real fear but how will you leave a million at hand to another man land to earn thousand? Did you see my calculations?

2 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by Optional09: 1:08pm On Mar 07
MrGoood:

Re you serious, How re you sure about this

If you earn 36k a year 5m is too much to save even with overtime. For $15hourly rate which is the average earning of most Nigerians

5 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by PDJT: 1:15pm On Mar 07
MrGoood:

Point one millionaire who is not selfish , just one pls, billionaire dash millions, millionaire dash thousands, while thousandnaira dash hundreds, That’s the scope sir

-If you actually have wealth (22 million Naira savings/year by Nigerian standard), you will realise quickly that it comes with a sense of responsibility.

-Anyway, make sure you establish your emergency services in Nigeria, i.e A&E; as you have already confessed your love for food, I would imagine a high LDL and carbohydrate forms much of your diet - so be vigilant for “Big-men diseases” such as CVD and Diabetes (one of the highest killers of Afro-Asian people).

6 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 1:20pm On Mar 07
PDJT:


-If you actually have wealth (22 million Naira savings/year by Nigerian standard), you will realise quickly that it comes with a sense of responsibility.

-Anyway, make sure you establish your emergency services in Nigeria, i.e A&E; as you have already confessed your love for food, I would imagine a high LDL and carbohydrate forms much of your diet - so be vigilant for “Big-men diseases” such as CVD and Diabetes (one of the highest killers of Afro-Asian people).
Stop this Bigman of a thing, I watched a program on bbc , Many re in USA jail because they don’t have 2000$ For bail or whatever, I can’t really remember because it been long so I can’t recall that much, I don’t know what there offenses re, Simultaneously That means you can have health issues in USA and insurance won’t help much , so you think insurance will cover 70,000$ health bills when you actually don’t pay more than 100$ health insurance monthly? they will cut a deal with you not pay all, Stop making Nigeria look bad pls, We have issues but no where is 200% sure

17 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by Ibrahimmrfish(m): 1:23pm On Mar 07
MrGoood:

I make some calculations, 40 hours work in a week, 160 hours monthly x 15= 2400-1300 rent =1100$, Let say you pay bills , Phone, Water, Tax et all for 500$, You eat for 300 , You save 300$ monthly , Am i right or wrong in my calculations? If yes , Greet america for me, I am here , God bless Nigeria
If you earn more than $40k per year,your tax is 12%,the best tax software to use is turbotax.My advice to you is,have multiple jobs.If you want to be a citizen within 5 or 7years,move to U.S saint Thomas island,it's run by blacks so there are less racists to slow the process for you.

11 Likes 1 Share

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by golddust6000(m): 1:26pm On Mar 07
SmartPolician:


The first question you have to ask is, does the person have a legit permit to work in the US?

If you do, you will have a good job and saying they cannot save up to 5m (about $11k) yearly is an insult to them.

@kovic20, how taxes work in the US depends on the government in power. A certain government may decide to tax the rich more and reduce the tax for the middle class. All they need is for the Congress to pass the bill. BTW, everyone pays taxes, including owners of blue-chip companies.

@MrGoood, you are already doing so well in your country. What's the essence of leaving a country that pays you well? You can go on vacation to those countries and return to your base.

Meanwhile, I would like to know the kinda business you do. As long as it's legit, I am game. wink
well, you can do the maths. American minimum wage per hour is 8dollars, then you work for 8hours per day, which is 22 days a month.

Now minus 25%tax, flat bill, utilities bills, food, plus other bill.
How much can you save in a month and calculate that for a year!

7 Likes 1 Share

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by Ibrahimmrfish(m): 1:29pm On Mar 07
MrGoood:

Stop this Bigman of a thing, I watched a program on bbc , Many re in USA jail because they don’t have 2000$ For bail or whatever, I can’t really remember because it been long so I can’t recall that much, I don’t know what there offenses re, Simultaneously That means you can have health issues in USA and insurance won’t help much , so you think insurance will cover 70,000$ health bills when you actually don’t pay more than 100$ health insurance monthly? they will cut a deal with you not pay all, Stop making Nigeria look bad pls, We have issues but no where is 200% sure
Most insurance don't cover dental care and cancer treatment for low income earners.As for bail some judges are evil, especially if you are black,they Jack up the bail to an unreasonable amount.

7 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by PDJT: 1:34pm On Mar 07
MrGoood:

Stop this Bigman of a thing, I watched a program on bbc , Many re in USA jail because they don’t have 2000$ For bail or whatever, I can’t really remember because it been long so I can’t recall that much, I don’t know what there offenses re, Simultaneously That means you can have health issues in USA and insurance won’t help much , so you think insurance will cover 70,000$ health bills when you actually don’t pay more than 100$ health insurance monthly? they will cut a deal with you not pay all, Stop making Nigeria look bad pls, We have issues but no where is 200% sure

- grin I think you’re just trolling, because I doubt the sincerity of this your “online investigation”, which you have already reached conclusion on.

-Anyway, others have wisely advised you to stay-put in your country where you are saving up to “22 million Naira yearly”, instead of being another immigrant in the US of A.

-I’m only pointing out how you can judiciously spend your wealth to keep yourself going in your beloved Nigeria. Remember the wise saying: Health is Wealth.

18 Likes 1 Share

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by PDJT: 1:40pm On Mar 07
Ibrahimmrfish:

Most insurance don't cover dental care and cancer treatment for low income earners.As for bail some judges are evil, especially if you are black,the Jack up the bail to an unreasonable amount.

-You don’t think the bails are higher due to historical precedence rather than skin-colour.

-By the way, I don’t subscribe to that colonialist madeup racist term “Black” or “Blacks”. Why not Chocolate Brown? wink

2 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by Ayo2004: 1:40pm On Mar 07
MrGoood:

So they save between 10 to 20k annually? Why will I step feet in that place if they make below what I make here
Don't mind them...most don't even save up to 1m anually,most are practically in debt as they have to work for a long time to pay for what they own,let no one deceive u,America has a working system compared to Nigeria but it is not rosy at all
Many Americans are struggling to pay their bills,if u don't have serious plans,better stay in Nigeria

Landlord no dey come knock door if u no pay electricity bill o

11 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 1:42pm On Mar 07
Ibrahimmrfish:

Most insurance don't cover dental care and cancer treatment for low income earners.As for bail some judges are evil, especially if you are black,the Jack up the bail to an unreasonable amount.
You get my point , Thanks
Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by overseasnbeyond: 1:48pm On Mar 07
Mann stop fucking saying what you dont know, no one ever pay 50% as tax.
A typical analysis of check stub is attache dfor you to understand how tax system works.
Be guided!
kovic20:
Depends what you do in America. If you work for somebody or company, I don't care if you are a doctor, engineer or lawyer, or mere warehouse worker, your income will be limited by tax even if you live frugally because you have no control of your taxes and you will shed almost 50% in taxes if you make more across taxes (federal, state, property and estate). Lets say you make $150k, government collect almost $75k in taxes across. You are left with $75k, after your house, car, emergency and personal expenses, you re left with $10-20k in the bank every yr. You can live a comfortable life but you will never be wealthy!

Now, if you own your own business, not mom and pop kiosk, I mean real business over $500k in revenue, you will have more control of your taxes. Once you understand how America works, which most Nigerians or black immigrants never understand anyways...just living the American dream blindly( big house and nice cars) and fatally in debt, you will know that America rewards business owners and entrepreneurs. Most Asian immigrants understand this which is why they own their own business and don't work for people!

Any Nigerian you know that is very very wealthy in America, has his/her own big business. These are not small boys and girls, they have over 5 employees (that's over $200k/90million in payroll a year assuming $45k each employee a yr), business location cost $500k-$5million. They rarely pay taxes because their business give them that advantage. Go and read why and how the rich in America pay zero to no taxes...actually government doesn't want you to if you create job, invest or an entrepreneur!

1 Like

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by FrankLampard: 1:51pm On Mar 07
MrGoood:
I am a businessman and the thing is I am in for money in any choice I make , I make around 22 million in savings last year, Thou I cut family and girlfriends off my life to achieve that and am in Nigeria , But seeing the doings of people outside The country, There was an America based lady that spend over 12 million naira on her mother burial, For her to spend that much I believe she will have 20x of that amount , Atleast for an upright thinking fellow, I feel like am making less so am thinking of relocating, Can I make over 22 million yearly in savings in USA, If no how much can I save, Talk from your personal experience pls, Let stop deceiving each other pls, How much did you save annually in USA ? please let be sincere

If you want to get honest opinion, go on Twitter and ask this

7 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by PDJT: 1:53pm On Mar 07
Ayo2004:

Don't mind them...most don't even save up to 1m anually,most are practically in debt as they have to work for a long time to pay for what they own,let no one deceive u,America has a working system compared to Nigeria but it is not rosy at all
Many Americans are struggling to pay their bills,if u don't have serious plans,better stay in Nigeria

Landlord no dey come knock door if u no pay electricity bill o

-Sometimes it’s not all about money.

-Life is complicated. Many seek sanity, health, decent education and opportunities for themselves and children. For instance, the US citizenship will open tremendous opportunities for you if you’re business-minded or just love traveling- so many countries to visit without visa. Same is applicable with many other firstclass Nations.

-Madam Ngozi had to recently take up her right to US citizenship in preparation for her WTO application. She wasn’t daft when she made that decision.

-As our faces are different, so are our life expectations.

28 Likes 2 Shares

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 1:55pm On Mar 07
golddust6000:
well, you can do the maths. American minimum wage per hour is 8dollars, then you work for 8hours per day, which is 22 days a month.

Now minus 25%tax, flat bill, utilities bills, food, plus other bill.
How much can you save in a month and calculate that for a year!
500$ With stubborn savings , Any little mistake the money is gone
N2,800000 black market rate Annual savings, Thanks sir I understand

2 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by juman(m): 1:55pm On Mar 07
Saving N15 million yearly is very rare.

That women probably used her life savings and may be even borrowed some money to spend like that.

5 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by juman(m): 1:57pm On Mar 07
To see what is going on there, why cant you visit the country yourself.
You see true story.

Mostly it is possible to have huge money to throw up and down if you are in illegal business.
If you are a money mule, or in drugs or yahoo yahoo you will have easy access to millions of dollars.
Or you have some link with nigerian politicians at home(money laundering).

2 Likes

Re: Nigerians In USA, Do You Save More Than N15 Million Yearly? by MrGoood: 1:58pm On Mar 07
juman:
Saving N15 million yearly is very rare.

That women probably used her life savings and may be even borrowed some money to spend like that.
Let me guess the husband is in a serious financial Billings, left right and centre right now, Women and problems, So she spend that way because she knows the husband can pay her bills

1 Like

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