TheFinance101: Sometime this past weekend, social media caught fire… again. But it wasn’t over politics or celebrity drama. This time, it was about something far more personal: a spirited conversation comparing two categories of people that at first started as an unserious banter. Those born into advantage and those born into adversity.
They were quickly labeled: Nepo babies and Lapo babies.
Here’s a bit of background to get you up to speed. The term “Nepo baby” (coined from nepotism) refers to individuals who benefit from family influence, wealth, or status. They get a foot in the door before they even realize there’s a door. On the other hand, “Lapo baby” is a uniquely Nigerian spin referencing those born into financial hardship, often beginning life with limited access to resources, or as the abbreviation means “Little Access to Privileges & Opportunities.”
It was funny for the most part. But underneath the banter was something incredibly sobering: a reflection on privilege, opportunity, and the silent gap between effort and access.
The Uneven Field We All Pretend Is Fair
To be fair, being born into privilege doesn’t mean you don’t work hard. In fact, many who grew up with financial security still hustle. They put in the time, they chase goals, and they build careers.
But what’s often left unsaid is that they do this with a cushion underneath.
If things go south, there’s a parent to call. If a business fails, there's backup capital. If a job opportunity opens, that's often because there was already someone on the inside. The road is still long, but it’s paved, well-lit, and comes with signposts.
Meanwhile, the other group, the so-called Lapo babies, are running a different race entirely.
They hit the ground running from day one. But unlike their pairs there isn’t the luxury of a safety net, nor is there a fallback plan. They’re often not even chasing dreams. They’re just fighting to survive. Every step forward is powered by sheer will, not inheritance. And the heartbreaking part? Even when the effort is equal, the results rarely are.
Speaking of effort, one of the most difficult things to reconcile in life is how it doesn’t always equal outcome.
Hard work is noble. Important. Necessary. But it isn’t everything.
Timing matters. Background matters. Who you know matters. And in a society like ours, what you’re born into can quietly shape everything from your confidence to your connections.
That’s the uncomfortable truth sitting at the heart of this trend. It’s not about blame. It’s about acknowledgement. Because if we don’t admit that the playing field is tilted, we risk shaming those who are already doing the most just to stay afloat while crediting others for “self-made” success that had scaffolding all along, a beautiful lesson explored in Kemi Adetiba’s “To Kill a Monkey.”
So, What Do We Do With This Realization?
We don’t all start from the same place. But we can decide not to let that cycle repeat.
That’s the real power in this conversation. Not bitterness. Not resentment. But resolve.
Resolve to be the one who shifts the story. To be the ancestor who builds what they never had. To be the parent, uncle, aunt — or even stranger — who creates structure where there was once only survival.
And this is where the idea of legacy takes center stage.
Legacy isn’t just about leaving your children millions. It’s about leaving them options. The option to dream. The option to try and fail. The option to say no to desperation.
It’s about replacing panic with planning. Scarcity with structure.
And the truth is you don’t need to be a billionaire to build legacy. You just need to start intentionally. That could mean:
• Setting up a savings plan for your child now, not later. • Learning about estate planning before it’s too late. • Investing small amounts with long-term vision. • Teaching your family the value of compounding. • Having honest conversations about assets, and not just income.
Because in the end, the legacy you build isn’t measured by what you left behind, it’s measured by how much further they can go because of you.
Here’s a bit of background to get you up to speed. The term “Nepo baby” (coined from nepotism) refers to individuals who benefit from family influence, wealth, or status. They get a foot in the door before they even realize there’s a door. On the other hand, “Lapo baby” is a uniquely Nigerian spin referencing those born into financial hardship, often beginning life with limited access to resources, or as the abbreviation means “Little Access to Privileges & Opportunities.”
Oceanjagaban: I agree with you on this,Bayelsa has the most weird names you can think of among the states in Nigeria.e.g are names of people i know...
Appealcourt,Liberia,themgotire,passport,whoknowstomorrow,Enugu,Yenagoa,Hotel.. .all these are names i have heard of.the list is countless.
That's a hilarious list of names. But seriously, they may have got those names due to the illiteracy or semi-literacy of their parents decades ago. NOW, it's left to the new generation of younger Ijaws to uproot that "colonial mentality" in choosing those kinds of foreign names.
Toruibestate: Yes Kolokuma. I'm from the ancestral home of Kolokuma Kingdom that doubles as the ancestral home of all Ijaws.
Agadagba Igbedi.
My father that died last month September 5 was buried on the same land the first Ijaw man lived over 10,000 years ago because our family lands are part of the island .
That must be in the Central Ijaw area that I've been reading about in the archives.
Toruibestate: If there’s any tribe in Nigeria that takes the crown for having the most unusual, funny, and downright strange names, it has to be the Ijaw people — whether from Bayelsa, Delta, Rivers, Ondo, Edo, or Akwa Ibom. Especially those from the first three!
I’m from Bayelsa, and honestly, the kind of names you hear among our people will leave you laughing or wondering how they came about. You’ll meet people bearing names like Lifeboat, Emergency, Air, Zinc, and even Table. Believe it or not, I even know someone whose real name is Kitchen!
Now, if you move over to the Rivers Ijaw, especially the Bonny people, their style is purely English — names like Green, Brown, Jumbo, Hart and Fyneface. Then you have the famous surnames from Kalabari like West, Briggs, and Bob-Manuel.
Even among Ijaw politicians, the trend continues — check out names like Heneiken Lokpobiri, James Manager, and Government Ekpemupolo. Tell me which other tribe can compete with that!
But honestly, I’ve told my people before — one day, if you don’t have at least one name that shows the Ijaw in you, people might start questioning if you’re truly Ijaw.
As for me, I’m keeping the culture alive. My two children have proper Ijaw names before their “organized” English names.
My daughter: Olaere Sonia
My son: Ayakpo Richard
@Ditari of Ijaw
A very insightful topic.
The modern Ijaws MUST begin to tone down on those foreign first names and surnames such as Government, Heineken, etc, and proudly rock their indigenous Ijaw names as a matter of pride. Boma, Ebelema (Ebele), Olaere and Ayakpo are very sonorous Ijaw names with meanings. I was fortunate to have attend an elite high school several decades back and a girl by the name of Boma from the Old Rivers State was in a junior class to me. I had another friend named Major from the Old Rivers State his place now falls within Bayelsa State and educated Ijaw folks are friendly as well. The annoying ones are the bad eggs busting crude oil pipelines and stealing crude oil for the illegal refining which is environmentally polluting with some engaging in cases of coastal armed robberies (by speedboats), and kidnappings in the creeks of Lagos, Ogun, Ondo, Delta, Southern Ijaw (Bayelsa), Rivers, BUT I cherish my friendships with the Ijaws that I've known over the decades.
spiSeyi: What a show of shame do humans lives are now valued by religion and we are now competing on which religion sect are being killed mostly. APC & PMB started this BHM stuff bcs they created these monsters to destroy GEJ government. APC should not get a single vote if Nigerians are wise, but here we are bcs there are more fvvls in the land.
Do NOT post misleading information here. That party named APC and the late Muhammadu Buhari NEVER started this monster called BH or the Fula banditry which all started in the late 1990 right into the 2000s. As of 2014, the Global Terrorism index rated the Fula bandits as the deadliest terror group on Earth.
You're obviously very young in age OR may NOT have been paying attention to the news reports from the Northern States of Nigeria otherwise you would have realized that the evil gang called euphemistically as BH was created long ago in the early 2000s during the President Olusegun Obasanjo Goverment and by 2006, they were already killing people with bows and arrows in the far North of Nigeria. The BBC and Punch newspaper published articles about this terror group in 2006 and identified them by their original name. The original name of that sect is "Jamaatu Ali's Suna lidda awati wal jihad" meaning in English: "People dedicated to the teachings of the prophet and jihad" (NOT "Boko Haram" which they find offensive and derogatory. BH is a derogatory Hausa name for the group that became popularized largely through usage by Yar'Adua and others in the North).
By 2009 when the former President Umaru Yar'Adua had had enough of the violence of BH members he ordered security agencies to crack down on them and their leader named Muhammed Yusuf got killed. The surviving members then teamed up with Al-Qaeda as an affiliate and things NEVER became the same again. Fula herdsmen and bandits combined with the BH gang's heinous activities have existed since the PDP years in the 2000s and rolled right into the APC era.
Even the United States and other major countries of the world have NOT been able to STOP terror attacks on their home soils or abroad so, with ALL the advanced weapons they have. Terror can ONLY be minimized but not fully eradicated unless nukes are dropped as a last resort on those countries notorious for sponsoring terror such as Afghanistan, Somalia, Northern Sudan, Yemen, etc.
casualobserver: That he is the special envoy to Africa gives me some peace of mind that their plan will fail. I don’t think Trump will have an adviser that is more knowledgeable on Nigeria than him. He grew up in Nigeria. He is a second generation Nigerian. There are some foreign families like Leventis, Bjosons, Kweleram, Bolous that are more Nigerian than many Nigerians. They have more institutional knowledge of Nigeria than many Nigerians.
We are in good hands. He is one of us.
Absolutely well said.
It's indeed symbolic and a perfect match based off of the FACT that this same Special Envoy, Boulos' biological son is married to the current POTUS' biological daughter. I remember reading online that Trump's daughter even visited Lagos, Nigeria with him (while they were still engaged) and both paid a visit to Paul Adefarasin and his wife.
It's unkind and highly IRRESPONSIBLE for some people with secessionist tendencies and fanatics to turn the situation in Nigeria into propaganda when INFACT folks of different ethnic groups and religious backgrounds have been killed since the late 1990s, escalating from the September 2001 killings by identified Fula herdsmen and bandits in Plateau State who took over the lands of the indigenous people and CHANGED the indigenous names of some seized Plateau communities to Fulani names. Imaging the audacity and level of banditry going on (largely caused by the migrant foreign Fulas supported by their kith and kin in Nigeria) right from the former President Olusegun Obasanjo's government in the late 1990s till 2025.
This is why the Nigerian President 'Bola Tinubu-led government has to ensure his image is NOT irreparably damaged by robustly calling the bluff of the minority Fulas and lean more towards the majority indigenous Hausa people while dealing firmly with the Fula bandits and redeploy the NSA who is also a Fula because the minority Fulas who are also Governors of the Hausa States of the North West of Nigeria are NOT tackling this banditry issue with seriousness and this is why the majority indigenous Hausa folks have vowed NOT to vote for any Fula political hegemonists at the State and Federal levels again due to the activities of foreign Fula bandits seizing Hausalands and renaming them to Fula names.
casualobserver: He is a Nigerian, he is a Christian, he is an in law to Trump as his son married Trumps daughter. He was the former MD of SCOA. His family is one of the many Lebanese that are entrenched in Nigeria they own Bolous enterprises, they had the franchise for Suzuki for decades. If you go to Ogba you will see their factories.
If anyone knows Nigeria it is Bolous. If Trump will listen to anyone it is Bolous. NOT some Mexican senator who has collected money from Obidient lobbyists in Texas to promote Christian genocide agenda.
wallrichy: Everyone born and bred in the South West especially Lagos State knows it as Awin which Of course is a Yoruba name.......so sweet die....... 😂
"Awin," that's interesting. I've seen up to 5 different Yoruba names today for this same Tamarind fruit. It further shows the regional variations in Yorubaland for naming items used in the Yoruba lexicon. Someone said it's called "Ayin" in the Ijesha dialect of the Yoruba language and someone from Ondo City in Ondo State ALSO clearly gave a different name entirely.
It's just like the original Yoruba steamed beans batter delicacy called Moyin Moyin (shortened to Moin Moin without the letter Y) in Yoruba language which has an alternate Yoruba name called Olele which still refers to the same thing based on regional differences in dialects and food among the Yorubas.
HisaacPlus: Throwback to 1984! Mike Adenuga, Nigeria's second-richest man, is pictured alongside his lovely wife, Emelia Adenuga, from Calabar, at their child's dedication ceremony in London.
Their child, Agbolade Adeniyi Ishola Paddy Adenuga, was the star of the show on this special day.
As the founder of Globacom, Nigeria's second-largest telecom operator, and Conoil, an oil exploration firm, Mike Adenuga has built a business empire that's hard to match.
With a net worth of $7.4 billion, he's one of Africa's richest individuals.
seunmsg: The presidency belongs to all Nigerians. The super minister for words is Ibo. The super minister for FCT is Ikwere. The super minister for Aviation is Urhobo.
The super minister for Defense is Fulani. The super minister for petroleum is Ijaw. The super minister for Agriculture is Kanuri. Both the super ministers for foreign affairs and health are from Bauchi state (a state the president lost woefully).
So you see, your attempt at divide and rule failed badly once subjected to factual evidence. Apart from Finance and Education, all key ministries are headed by Nigerians from different parts of the country. So buddy, get away with your bigotry and gaslighting. It is not going to work.
It's brilliant how you used dialectics and evidence to shove that divisive "boy" right behind the curtain where he belongs. I doubt if he's even a Northerner because he doesn't even follow the NL monikers of other Northern Nairaland users - at least one Northern moniker, which is very strange.
Ttalk: Stop lying to yourself, though Obidients and Peter Obi has been so irritating, rigid and egocentric but they are still better than the North that has destroy itself with fantasm and insecurity
The only thing SE can do when they get power is try to covet Lagos and Yoruba people will send them packing to their village in whatever form.
However, no one is ready to vote core north this time around and there's no gaslighting or cajole that will change that, if the SE are gullible they can sheepily succumb to the North manoeuvre.
Get this, by the time South finishes we are giving power to the NC, if you like bring in all the Fulani in all the world to continue causing insecurity
[quote author=Pen.guin2 post=137159310]I’m not going to write long tales. Yeah, I will just go straight to the point.
With the wave of defections going on, very soon all Southern Governors might be in APC.
And if we check very well, almost all Southern governors who are yet to join APC seem amenable to Tinubu’s re-election.
Name them, Gov Adeleke of Osun is not in APC today because of the pushback of APC stalwarts in Osun.
Gov Otti of Abia has never hidden his friendship with Tinubu.
Gov Diri is touted to have resigned from PDP en route APC.
Gov Fubara is only a governor on paper that even if he doesn’t defect cannot do much to harm Tinubu’s gameplan for Rivers.
Only Makinde seems to be on his own and that’s because he wants to answer Presidential candidate in 2027.
My point is, with what is currently happening in the south, the ADC or any opposition coalition giving their ticket to a northerner will just make 2027 Presidential Election an easy ride for Tinubu as it will become a north vs south affair. And with vast of the Middle Belt amenable to Southern sentiments, and with whatever Tinubu would be able to muscle from the rest of the North, he’s sure to win in 2027.
So, if the opposition is truly interested in challenging Tinubu in 2027, their ONLY option is to willingly hand the ticket to Peter Obi.
Why? Because with Obi, the south will be broken; with Obi taking Southeast and Southsouth again.
Again, the Middle Belt and northern Christians are still sold out to Obi.
Then you add whatever influence Atiku and his men can bring for Obi from the core North and you will see Tinubu struggling, if not beaten silly.
This is the only practical, logical and realistic option left for the opposition.
If you think they have a better option, convince us otherwise.