₦airaland Forum

Episode22:
Hello Nairalanders,

Please, I’ll keep this brief and straight to the point.

I need honest opinions and practical advice.
Can someone realistically survive in Nigeria on a daily income of $10?. I work from home.

If no, please explain why.

If yes, I’d appreciate a clear strategy—how to manage it, possible business ideas, and how one could grow beyond that income level.

For context, I currently earn $10 daily online from my blog, and on some days $13.

If this income is not sustainable in the long run, I genuinely want to know so I can plan better and make informed decisions.

Constructive advice only, please.

Moderators, kindly assist with visibility. Thank you.

Depends on your standard of living and lifestyle. Because you will cut down on alot to survive and live in a low cost city

Femi Otedola has sold his remaining stake in Geregu Power for hundreds of millions of dollars, closing the final chapter on his decade-long dash for cash in Nigeria’s electricity game.

Billionaire baton toss: Otedola dumps Geregu, Elumelu buys Seplat in $500M energy relay

On the very same day, Tony Elumelu pumped $496 million into Seplat Energy, betting that Africa’s oil-and-gas story still has profitable pages left.

Cherryediva:
Hello everyone, sorry for the long post
I got married at 22, my husband was 40 at the time. We have been married for 5 years and we have a child together.

My concern is that my husband is not able to satisfy me sexually at all, which is frustrating, I have talked to him about it nothing seems to change. Financially, he is struggling, partly because he gambles a lot. He also drinks alcohol heavily.

I work too but he doesn't want me to have my own money he is always collecting money from me.
He doesn’t have clear goals, ambition, or a vision for the future, and this makes me feel stagnant in the marriage.

He is a good man in terms of character. He doesn’t cheat, he doesn’t abuse me at all, and he treats me well overall.

I’m confused because while he is good to me, I feel stuck and unfulfilled. I would really appreciate advice from y'all who have been in similar situations or who can offer honest guidance.
Thank you.

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Cheating is expensive, every broke man should be loyal to the wife BC he can't afford to cheat, pay for hotel and give a lady decent money.

Rabiu alone made over ₦9 trillion in capital gains from the stock market in 2025.

Read that again.
Slowly.

For context.

₦9 trillion is about one-third of Nigeria’s entire 2024 national budget
One man. From capital gains.

Let me break the numbers down.

₦1 trillion = ₦1 billion repeated 1,000 times
₦9 trillion = ₦1 billion repeated 9,000 times

Still abstract.
Let’s go further.

Assume this.

He spends ₦1 billion every single month
For 50 years straight

That is:

50 years = 600 months
₦1 billion × 600 months = ₦600 billion

Now pause.

From ₦9 trillion.

After 50 years of spending ₦1 billion monthly
He would still have about ₦8.4 trillion left

Let that sink in.

It will take 750 years Of spending ₦1 billion every single month to exhaust ₦9 trillion

This is not hype.
This is simple arithmetic.

This is why ownership matters.

This is what markets do.

• They reward ownership
• They multiply patience
• They scale capital beyond effort

Wealth is quiet.
But the numbers are loud.

LET US LEARN FROM BILLIONAIRE - RABIU

Who is this charlatan? Politics is not by threat, you lobby and persuade others to your view not by threatening them.

Mpeace:
Elumelu simply used that money to buy Seplat shares. Wise man.

Very soon my portfolio will be only
Presco
Aradel
Seplat.

I go just enter oil(edible and crude)
They appreciate and they pay good dividends.

Exactly no smart Investor actually needs more than 5 great businesses in different sectors in their portfolio.

There is no Billionaire that doesn't use loan to grow his assets.

As a wise Investor you should start building relationships, acceptable collaterals and credit scores with financial institutions that can give you loan to strike when a massive opportunity presents itself.

Be prepared so you can hit it big when the time comes.

Learn from Billionaire Tony

Streetinvestor2:
Ngx and initial gragra. So all those green later turned to red.I just dey check how market take close. Some don run go buy high of the day

I knew it was just new year excitement, it will be massive red by Friday. There are too many newbies chasing stocks and they will learn their first lesson in the market soonest.

Don't chase a flying stock

You ppl should pacify osimen fast or its over.

OmoOshodi:
Just dey play

Once you are scoring and not conceding you are a champion in waiting

We didn't concede today, looking good for the trophy

Happy New year to everyone.

If we don't make great decisions and take action we can't have greater portfolio, cash flow and liquid networth in 2026.

Wishing us a greater portfolio, cash flow and liquid networth in 2026.

Life outcomes depend on your decisions and actions.

Aradel Aradel Aradel

It's next movement will certainly touch 1000 with a support above 900.

I know you have already taken good position already and waiting for it to fly

Aradel Aradel Aradel

It's next movement will certainly touch 1000 with a support above 900

deathwing:
Is N9.50 not attractive enough?

You don't understand, it's a manipulated market and we are not sure of the real market price. It fell to 10 before the manipulators stepped in.

GeeKudi:
They are going to give some priviledge folks about 120million units at over N10 discount this life indeed no balance

The wealthy always get special offers and discounts in assets. Because they have large capital base and Liquidity. It's unfair but life was never designed to be fair. It's the survival of the fittest. The reason the rich usually get richer. Special discounted offer on assets is always chasing them.

Promoters of TIP public offer are doing a great job defending the SP in the market to make the offer seem attractive. Hmmm

Streetinvestor2:
All I know is #100 is possible in FBNH in 2026.It does not matter what other bank share price are right now.If transcorp hotel can do #170 by toni.Even kpakus that is suppose to be minus 20kobo is at #13.
And you feel a business with over 100yr existence cannot be pumped to just #100 naira. If not bad management over yrs do FBNH have any reason not to be in 4 digits price as great grand father in banking industry

Let us see their next dividend in 2026, that will say alot about their future

emmanuelewumi:
Keep the following

1. Presco
2. Nahco
3. Zenith
4. Vitafoam
5. GTCO
6. WAPCO

Sorry Oga Emma, i am surprised MTNN didnt make the cut, could you explain why, is it presently over valued or its a speculative turn around that needs time to prove itself?

Ego mbute, financial illiteracy and quick riches mentality

Manipulation 101

He should confess his sins before asking for forgiveness. Which ones did he do

What of the alleged fake and arranged miracle. Clarify things before asking for forgiveness just like Tonto dike

If we take our chances, we will go far. It all depends on osimen, he should calm down and take his chances

If osimen take one out of every two chances we can go all the way

Streetinvestor2:
Which stocks will deliver like vitafoam or Nahco by 2030 is the big question on my mind
The search has begun

I am betting on TIP to do at least 5x by 2030

Make una share link now

GravityDefier:
I saw the opposite of this topic on F.P today.

According to the drop, this your one cent here as well.

Asha wo no be work, weather you can it hook up, runs, friends with benefit, sugar daddy. dont even start because it makes one lazy and hate legit hustle. Imagine making 100k in one night how can such a person agree to work legitly again

Drsnives:
Good evening guys..
In my place of work we normally do end of year rice contribution to help ourselves so the burden won't be much.
This year we did 10k monthly that's 120k.
Below the is we package we received today.
Wished I had voice, would have suggested 1 n half bag of rice, most of this items they included don't freak me..
The items include
Rice
1 cartoon of Gino tomatoes (sachet ones)
5liter g.oil
4liter p.oil
2 packets of salt
1 bama
Maggi
Dish washing liquor n
Dental floss/toothpick

Pls guy check it out n point out your observations.
My wife from her body language is saying I was cheated

this is not worth 120k now, prices of foodstuff has crashed, rice is 50k for 50kg bag

Your first and most important battle in life is the fight to conquer poverty. learn how to make, manage and multiply money by investing in yourself because everything depend on you. Aim for financial freedom, accumulate assets and avoid or runaway from liabilities esp. useless women than wants to live off men.

Once money problem is solved, you can handle every other challenge in life easily.

Another wahala for Aso savings

emmanuelewumi:
I love the sound of dividend alerts from January to December. In fact my portfolio income is now 15 times of what I got in 2020. That is the only efficiency that is important to me


Used to have about 60 stocks in my portfolio and then used to receive over 100 dividend alerts. Although I have received 57 credit from alerts from my portfolio this year, with an outstanding one towards the end of the year.

Although I started reducing the stocks in the portfolio around late 2024.

Just checked my portfolio and I found out I have the following securities in my portfolio. 17 stocks and 7 bonds.
Equities
1. Afriland Properties
2. CSCS
3. Friesland WAMCO
4. Africa Prudential Registrars
5. Aradel
6. Dunlop ( dead stock, with no buyer)
7. GTB
8. Nahco
9. Presco
10. Unilever
11. United Capital
12. Zenith Bank
13. Stanbic IBTC Bank
14. Okomu Oil
15. Custodian
16. Fortis Global Insurance ( dead stock)
17. Transcorp

Bonds

1. 12.4% FGN March 2036
2. 12.98% FGN March 2050
3. 16.2884% FGN March 2027
4. 12.5% FGN March 2035
5. 13% FGN December 2031
6. 19% FGN February 2034
7. 19.89 FGN May 2033.

The securities should be able to give me at least 36 investment income credit alerts

I sold the following this year
1. NGX
2. Fidelity Bank
3. FCMB
4. NASCON
5. Access Bank
6. Total Energy
7. SFS REIT
8. UPDC REIT
9. Seplat
10. First Bank
11. CAP Plc
12. Airtel

You are too generous with information that can bless others. God bless you abundantly

nosa2:
You suppose open index fund. 25 stocks is very inefficient in my opinion

It depends on his capital base, if he is investing with 1billion, it's not too diversified.

When you are a HNI you can afford to make less money but you can't afford to lose alot of money by concentrating.

Concentration should be for people trying to get rich (hit networth of ₦100m)

BREAKING: Nigeria's inflation rate drops for 8th consecutive month, now 14%

The National Bureau of Statistics (NBS) says Nigeria’s headline inflation rate decreased to 14.45 percent in November 2025.

The NBS announced the decrease in its consumer price index (CPI) report on Monday, marking the eighth consecutive drop in 2025 — surpassing President Bola Tinubu’s 15 percent target.

According to the Bureau, the November headline inflation rate is lower relative to the 16.05 percent recorded in October 2025.

Source - The Cable

Learn to be alone and not feel lonely. The only thing that guarantee a miserable old age is financial dependency.

Whatever you do ensure that money won't be part of your problems at old age.

You can't afford to be old and broke it will lead to death faster.

With money every other problem can be managed and you will live the rest of your days well.

Sometimes you cant blame the children they have their lives to live and location difference can be a big barrier.