Nice advice.

OChimex:


My honest opinion, first, I live in the US,
Relocating at your age with your family to any foreign country will drive you crazy because of the change in everything especially work stress and bills, they are getting crazily expensive. US is all about starting on time and working your ass off smartly to build a career over the course of at least 10 years.
No short cut in developed countries, it’s pure hard work and smartness and many years to build a career and start earning well.
But with your family, it will be killing for you.
At this point and age, the only way it will be justified is if you are seeking survival.
With 20 million, you can invest hugely in something in Nigeria and still make a lot and when your family have a stable steady income, you can make a move first and settle and bring them over, but then it’s risky too because of your absence can cause a huge trouble in your family.
Just make proper deep research about investing in Nigeria.
But again, you will be overwhelmed moving to foreign land with kids and wife at your age.

franchasofficia:
Your situation is very dicey in the sense that you havent been doing business, starting one now when Nigeria has almost gone to the baboons, hyenas and jackals won't be an easy one. You may end up wasting the 20million savings trying to figure out the business and before you understand the business secrets, you may have folded up.


What does your wife do?


How about relocating alone first to countries like; Finland, Norway, or other unpopular Scandinavian countries for a masters? Finland have a very affordable masters programme for international students, Norway used to be tuition free for Nigerians not until this year they started charging high tuition fee if not, Norway would have been your best bet cos there are plenty jobs, I have people there.


Make more research about studying masters in Finland, etc. If it would cost you 10million to relocate alone, try it and use 6million to setup a pharmacy shop for your wife before you relocate.


But if that route will cost you more then try the next suggestions below:


Map out 10million and setup a pharmacy shop. Your wife will need go on an internship at any pharmacy shop for some months before yours is fully ready to get an idea of how to run the biz with the registered pharmacist you guys would employ.


Setup a small office for yourself to start consulting as a Chartered Accountant. Print good business cards and proposals and submit to supermarket owners, etc to help them organize their stock and bookkeeping, with time you will start getting jobs. Also add external auditing to your portfolio of what you can do.


Create a linkedin profile on this new business of consulting. Inform friends, Church members, clique about your new consulting firm.


Save 7million in a dollar account and keep 3million for running family for now.


Start now to guide your kids to love nursing, medicine, radiography, pharmacy, software engineering, etc. This will prepare them to face future with greater chance of survival.



May God see you through and please don't panic, you are still on top, fear will push you into depression and cause you to start making irrational and foolish decisions that will ruin your years of hardwork.



Remember you are still better than over 150million Nigerians out there.



I pray God guide you to make the best decision at this critical time, amen

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