₦airaland Forum

Lionize:
Oga, the only advice in this write-up that makes sense is the bolded.

Lastly, the guy who buys a house has made a huge investment. Saving up to make initial deposit, and the monthly principal repayment is a big win. The house can be sold anytime and deposit+contribution+appreciation will become his gain.

One can still work 3 jobs and have vacations and rest with good planning.

When you don't know people's story, don't come to portray yourself as living the best life. Life na turn by turn.
You were 'dining' amongst 'whites' does not make you better than the " Nine delivery drivers and all black guys mostly Nigerian looking".

There's NOTHING in his story that makes sense. I can point to a DOZEN guys in the USA who started 20 to 30 years ago as taxi drivers and cooks and retail clerks who have moved on and up to higher income jobs and entrepreneurship.

I know a taxi driver who entered pharmacy school in his 40s and today owns a pharmacy store in California. Yes some of them are still in those lower skill jobs today, but they're a small minority. That's FACT.

I know another taxi driver...that's all he did after coming to the USA in the 1970s. His wife is or was a nurse in Maryland. Both are now retired. They produced 4 children...lawyer, nurse, doctor and a manager in the professional sports. There's plenty grand children from good marriages. By the way, Maryland has some of the most toxic Nigerian communities...Texas is the worst....yet they still did OK in a long term, generational way. What is your take on that?

How can you take a look at a group of lower working class Nigerians in an Anglo-Western nation and just assume that's the end of their economic journey Which kind of STUPIDITY is that? These people have no plans, they're not aware of the economy around them or what? In fact it's in Nigeria that such economic stagnation is more LIKELY to happen and that's why so many are choosing to migrate away to Europe and North America! It's common sense but people just come on here and pretend they're ignorant or something 😒

@Lionize, you are the one making sense. The basic thing a Nigerian needs to do in North America is buy a home. I have illustrated the importance of this on at least one thread. And also get life insurance.

Once that is done life is set, upgrade skills if possible, just live reasonably and you will be fine, most will make it to the USA median household income of $65K and that will likely provide a better family HDI than 99% of Nigerian residents will ever attain.

If a person decides to take risks, they may end up with outsize rewards, but as long as the risk is commensurate with your status, they will be OK even if the venture fails. And the next generation can carry on with inherited capital and lessons learned.

Thanks.

Good Luck to Nigerians

https://www.youtube.com/watch?v=KDs_t1_NOtg

IbeOkehie:
So now you're claiming you live abroad after giving the impression you were visiting.

With Anonymity, anyone can claim anything.

We await the next revelation.
Good Luck to Nigerians

Ibe nwanne, I am not claiming I live abroad . I actually live in Onitsha and praying to visit abroad one day. May God answer my prayer and I also pray to be like you when I grow up.

Sapasenator:
Ibe nwanne, I am not claiming I live abroad . I actually live in Onitsha and praying to visit abroad one day. May God answer my prayer and I also pray to be like you when I grow up.

What is the point of this discussion you started? That Nigerians abroad are stuck in poverty. They can't get good jobs? They live beyond their means?

Wetin you dey yarn? The vibes I got from your post is that you're already far richer than my kind of immigrant, you're way above my level.

See me, I've lived in North America for over 30 years and I'm still a 4th Class Citizen subjected to systemic racism, police is hunting to kill me every time I leave my house to go wash dead bodies for a living. Don't you watch CNN? You're much better off in Nigeria, I can only dream of living your kind of life. I've put it in prayers.

Good Luck to Nigerians

Sapasenator:
I wont drag with him. I know the secret of most people because I was in the banking sector abroad as a financial planner for years and I see the secret of everyone.

I had a Nigerian lady walk up to me in my office wearing Gucci hat, clothes , glasses, shoes and she looked very expensive.

Account na negative and constant overdraft.

I make good money abroad but I realize I can make more in Nigeria. I will be exploring moving to Naija on a part time basis soon. Enjoyment and life full for Naija.

Wa gbayi. Be safe and weigh ur options more properly bro.

Probably, north american life is quite overrated.

Kaczynski:
I live way below my means to the extent you'll think I'm stingy or poor


My mattress is on the floor even tho I can comfortably afford a bed


The only things fit chop my money now na airtime and plenty junk foods nothing else


I fit afford Mercedes Benz C300 but still prefer my legedis benz


I just wan invest for my unborn children sake rn

Are Ur unborn children aware of this?

You're right about this post.
But come to think of this bitter truth. Many struggling Nigerians who reside in the country now including myself will ordinarily have preferences for being in those most remote areas or countries that one has to forsake all odds against situations such as working under an unfavourable climatic conditions as you'd mentioned so as to make end means.
The ways many Nigerians struggle just to have at least something to eat per day, not building houses now, is very pathetic. Knowingfully well that if such common struggles or practices were exhibited in developed nations such as UK, naturally their lives would have been far better than how they live currently. Indeed, you're a living proof. You can't deny this fact that if you hadn't relocated abroad , you wouldn't have been in this enviable and most suitable condition. Congrats!

Mikelarteta:
People deliver food with 2024 Toyota Highlander don’t get it twisted. A Wetin you know you know. This is confirm.

Highlander na just 53k. Person deliver my food last week using BMW x5.. 106k.

IbeOkehie:
What is the point of this discussion you started? That Nigerians abroad are stuck in poverty. They can't get good jobs? They live beyond their means?

Wetin you dey yarn? The vibes I got from your post is that you're already far richer than my kind of immigrant, you're way above my level.

See me, I've lived in North America for over 30 years and I'm still a 4th Class Citizen subjected to systemic racism, police is hunting to kill me every time I leave my house to go wash dead bodies for a living. Don't you watch CNN? You're much better off in Nigeria, I can only dream of living your kind of life. I've put it in prayers.

Good Luck to Nigerians

Honestly bro that was not my point. I will never look down on anyone working hard who makes an honest living. That is not me, you can go through my post and you will observe I am not that kinda person.
I worked in a bank and have seen a tax notice of assessment of a gross income of an Eritrean construction worker of $125,000 per annual. This includes overtime.

On a Christmas day, I had a guy driving Uber made over $1,000 in one day.

I have a Ghanaian client working as an health care aid in Convenant Care and one other health care aid company, dude grosses about $130,000 every year with overtime, has worked in the same company for over 20 years and has a home valued in excess of $1,000,000 in our city.

I am not say low end jobs cannot be lucrative and this is not a Nigeria vs Abroad thread. Not at all.

30 years? I dough my hat in maximum respect. I am half of that and already beginning to miss Naija so bad. I will be live part time in Naija within the next two years.

IbeOkehie:
What is the point of this discussion you started? That Nigerians abroad are stuck in poverty. They can't get good jobs? They live beyond their means?

Wetin you dey yarn? The vibes I got from your post is that you're already far richer than my kind of immigrant, you're way above my level.

See me, I've lived in North America for over 30 years and I'm still a 4th Class Citizen subjected to systemic racism, police is hunting to kill me every time I leave my house to go wash dead bodies for a living. Don't you watch CNN? You're much better off in Nigeria, I can only dream of living your kind of life. I've put it in prayers.

Good Luck to Nigerians

Why are you washing dead bodies? Do you have certification to do this? Are you a path assist? If you've been washing dead bodies for over 20years. You should be earning nothing less than 150k per year now o why police dy hunt you? You thief something?

Mikelarteta:
People deliver food with 2024 Toyota Highlander don’t get it twisted. A Wetin you know you know. This is confirm.

As I step out now. I see delivery guy wy bring this lexus.

Mikelarteta:
People deliver food with 2024 Toyota Highlander don’t get it twisted. A Wetin you know you know. This is confirm.

As I step out now. I see delivery guy wy bring this lexus. Na Asia guy

AirBay:
Why are you washing dead bodies? Do you have certification to do this? Are you a path assist? If you've been washing dead bodies for over 20years. You should be earning nothing less than 150k per year now o why police dy hunt you? You thief something?

I wash dead bodies because I'm a 4th Class Citizen and I need to earn money.

All Nigerians abroad either wash dead bodies, drive taxi or delivery services or are security guards. The highest aspiration beyond that is nursing. All Nigerians are also heavily in debt for car and mortgage and after paying taxes, there's NOTHING left, no savings, no money to spare.

If you don't know this then you're not well informed. Do a Google search and see how Nigerians abroad are suffering. Don't you read Nairaland? Ask Treadway & Ahiboilandgas.

Good Luck to Nigerians

cococandy:
This exactly. Penny pinching and scraping for decades with nothing real to show for it. And for what?

The people living above their so called means enjoyed life while at it, traveled the world , enjoyed luxury cars, lived in great neighborhoods and their kids enjoyed fine things of life from childhood. No be suffer head.

In the end both of them will most likely die at approximately the same age. One would have got out of life what God created the earth for. For human Enjoyment. And the other would have started trying to live fully when his bones are weak and joints are stiff.

That is if neither of them died in their youth.

Like someone said up there, money is a tool. Use it to improve your life.
First acquire an important skill or the necessary education that ensures that money will always come then go out there and live life. For goodness’ sake!

There is no problem with hustling. The problem is focusing on the hustle and not seeing the bigger picture.

It is poverty mentality that makes Nigerians focus on hustling when they get abroad. They forget money is a tool to have a better quality of life. Nigerians remember the money part, but forget about ye quality of life part. On your death bed you would cherish the memories and experince iver the money you amassed. Even your children would remember you through memories you created with them not houses you built. Physical wealth is finite and would fade. That house you are building will either be sold or go to ruins. Use money to increase your opportunities and improve the quality of your life. Nigerians don't get this

afroxyz:
There is no problem with hustling. The problem is focusing on the hustle and not seeing the bigger picture.

It is poverty mentality that makes Nigerians focus on hustling when they get abroad. They forget money is a tool to have a better quality of life. Nigerians remember the money part, but forget about ye quality of life part. On your death bed you would cherish the memories and experince iver the money you amassed. Even your children would remember you through memories you created with them not houses you built. Physical wealth is finite and would fade. That house you are building will either be sold or go to ruins. Use money to increase your opportunities and improve the quality of your life. Nigerians don't get this

Nigerians at home need to hear this the most.

Most Nigerians are too anyhow in their relationship with money vs a good life.

In short, many Nigerians are irresponsible and have no bigger picture.

afroxyz:
There is no problem with hustling. The problem is focusing on the hustle and not seeing the bigger picture.

It is poverty mentality that makes Nigerians focus on hustling when they get abroad. They forget money is a tool to have a better quality of life. Nigerians remember the money part, but forget about ye quality of life part. On your death bed you would cherish the memories and experince iver the money you amassed. Even your children would remember you through memories you created with them not houses you built. Physical wealth is finite and would fade. That house you are building will either be sold or go to ruins. Use money to increase your opportunities and improve the quality of your life. Nigerians don't get this

100% on point. Even when they make the big money, they take on bigger debts, bigger houses, cars and go back to end-to-end work.

Maeve7:
Was your name mentioned? What’s your business with my response to him?

Gbas gbos everywhere. Hehehehe. This here is why I like Nigerians nor be small.

We’re on the same page 👍🏾👍🏾

afroxyz:
There is no problem with hustling. The problem is focusing on the hustle and not seeing the bigger picture.

It is poverty mentality that makes Nigerians focus on hustling when they get abroad. They forget money is a tool to have a better quality of life. Nigerians remember the money part, but forget about ye quality of life part. On your death bed you would cherish the memories and experince iver the money you amassed. Even your children would remember you through memories you created with them not houses you built. Physical wealth is finite and would fade. That house you are building will either be sold or go to ruins. Use money to increase your opportunities and improve the quality of your life. Nigerians don't get this

Sapasenator:
When you have an extra bill to pay, you have no choice but to be a slave to multiple jobs. Most of these people even neglect their families working multiple jobs. I know individuals with big houses who never get to sleep in those houses, the husband is working night with other jobs and the wife is working day jobs. Even husbands and wives never get to meet each other as often as possible.
It's all about the bills here and it is a system designed to enslave you if you are not very smart.

Enslave ? Then live in apartment then. Nna, it is ya toro.

If you have a job, can afford mortgage, by all means get a real good maybe big single family home.

If you have to pick up extra reasonable flex job on the side to earn money, do it. Learning to create balance is what life is all about.

armyofone:
Enslave ? Then live in apartment then. Nna, it is ya toro.

If you have a job, can afford mortgage, by all means get a real good maybe big single family home.

If you have to pick up extra reasonable flex job on the side to earn money, do it. Learning to create balance is what life is all about.

Gbam. On point.

Earlier this year in Canada, i was surprised at being Uber driven in Tesla. When I googled the cost then, it was $75K.

Maeve7:
Which part of North America do people deliver pizzas in their private Tesla?

My prayers everyday is God please give me bread and clothes, the rest will fall into place. Same mindset I used to survive Covid/ end- Sars, huge business loss, partial deafness. So far my good God has blessed me with more than I bargained for with many good things still on the way. It's up to you, it's a free world.

Sapasenator:
Calm down tiger, I come in peace.

no you don't

Sapasenator:
Gbam. On point.

My preference is big nice cribs to live in.
Simple car to take me around is ok. But big house or mansion, count me in

I might change my mind though and have both... not crazy about cars but crazy about nice home

travelzcruix:
My prayers everyday is God please give me bread and clothes, the rest will fall into place. Same mindset I used to survive Covid/ end- Sars, huge business loss, partial deafness. So far my good God has blessed me with more than I bargained for with many good things still on the way. It's up to you, it's a free world.

🙏
Amen!
Give us this day, our daily bread.

armyofone:
My preference is big nice cribs to live in.
Simple car to take me around is ok. But big house or mansion, count me in

I might change my mind though and have both but not crazy about cars but crazy about nice home

I’ll never compromise on a big house. 4 bedrooms minimum. 5 bedrooms ideally. A very nice car is compulsory. And trips have to be pre planned so I have something to look forward to.

I don’t know why our people think there’s honor in suffering. There isn’t. A system exists for most people to be able to live that way as long as they are smart about it.

I don’t know why we’re pocket watching.
I’ve never seen a person in a nice car and thought they must be poor and showing off a car they can’t afford. I just think in my head what a nice car.

If the bank hasn’t repossessed it yet, who says they can’t afford it?

IbeOkehie:
I wash dead bodies because I'm a 4th Class Citizen and I need to earn money.

All Nigerians abroad either wash dead bodies, drive taxi or delivery services or are security guards. The highest aspiration beyond that is nursing. All Nigerians are also heavily in debt for car and mortgage and after paying taxes, there NOTHING left, no savings, no money to spare.

If you don't know this then you're not well informed. Do a Google search and see how Nigerians abroad are suffering. Don't you read Nairaland? Ask Treadway & Ahiboilandgas.

Good Luck to Nigerians

This one na comedian

AirBay:
This one na comedian

Na sarcasm.

Sapasenator:
When you have an extra bill to pay, you have no choice but to be a slave to multiple jobs. Most of these people even neglect their families working multiple jobs. I know individuals with big houses who never get to sleep in those houses, the husband is working night with other jobs and the wife is working day jobs. Even husbands and wives never get to meet each other as often as possible.
It's all about the bills here and it is a system designed to enslave you if you are not very smart.

cococandy:
I’ll never compromise on a big house. 4 bedrooms minimum. 5 bedrooms ideally. A very nice car is compulsory. And trips have to be pre planned so I have something to look forward to.

I don’t know why our people think there’s honor in suffering. There isn’t. A system exists for most people to be able to live that way as long as they are smart about it.

I don’t know why we’re pocket watching.
I’ve never seen a person in a nice car and thought they must be poor and showing off a car they can’t afford. I just think in my head what a nice car.

If the bank hasn’t repossessed it yet, who says they can’t afford it?

LOL, there's choices in life OK? Some of these self imposed privations are what economists have recognized as a key principle of capital formation and wealth generation. It's ubiquitous in economic theory.

D E L A Y E D G R A T I F I C A T I O N.

A very important determinant of the wisdom of delayed gratification lies in the current status of the market participant AND the time horizon for producing results.

The son or daughter of rich parents or even middle class parents will not need to delay gratification. This is why 2nd, 3rd and 4th generation middle and upper middle class citizens of the USA are so consumption oriented. They don't NEED to postpone any enjoyment. These people inherit paid off homes, stock portfolios and such. When buying houses parents gift them the down payment. This isn't something I've HEARD, I know it because I've been told first hand.

For the scions of such families the idea of anyone paying rent is strange. It's like an Igbo man living and working in his hometown and paying RENT when there's many empty building built over generations sitting empty. In short, inherited assets is a thing and that's why SOME people curb their spending.

One of the major reasons for the mass poverty that bedevils Nigeria is the unwillingness of the public to prioritize investment and delay gratification. The average Nigerian wants every possible enjoyment NOW. It's their way.

Anyone starting their economic journey from a poor family in the USA is well advised to engage in well planned delayed gratification. It pays off in the long run.

Shift work is one of such sacrifices. I personally worked with nurses, pharmacists and doctors of all races, including Whites, who did only 7 day on 7day off overnight night shifts for 10 to 20 years, while their spouse worked during the day so they didn't have to spend huge amounts on day care. I myself did overnights for 10 years and it enabled me hold 1 or 2 other jobs. It helped me a lot, no regrets.

As if anyone fell from the sky with bags of money and assets. Someone at some point had to make sacrifices to secure the working capital for advancement. One thing I did learn living in Houston is that most Nigerians in the upper middle class in the USA come from fairly wealthy backgrounds in Nigeria. Very few are self made so it's understandable how they breezily talk about living high on the hog. I remember at a party in Houston mentioning that I paid my way through University in America, working odd jobs and no loan.

The group I was talking to FROZE...one even said that such delayed gratification is impossible. Exact words were... how is that even possible... Of course...Daddy & Mummy paid their own university fees from Nigeria. Seriously, it was a revelatory moment even though I went to university with some of these people, I never thought much about it till that very moment.

That's when it dawned on me why Nigerian upper class people hate the USA so much. God Bless the Anglo-Saxons....and

Good Luck to Nigeria.

cococandy:
I’ll never compromise on a big house. 4 bedrooms minimum. 5 bedrooms ideally. A very nice car is compulsory. And trips have to be pre planned so I have something to look forward to.

I don’t know why our people think there’s honor in suffering. There isn’t. A system exists for most people to be able to live that way as long as they are smart about it.

I don’t know why we’re pocket watching.
I’ve never seen a person in a nice car and thought they must be poor and showing off a car they can’t afford. I just think in my head what a nice car.

If the bank hasn’t repossessed it yet, who says they can’t afford it?

You are right.
If one can afford both, why not.
Some people like me just like simple car. But I see the new tesla, the one like some James Bond car me likey 😁

5 bedrooms, perfect even if no one sleeps in them.
I will get the room set up in king size canopy bedset and all the fixing

Maeve7:
Did anyone ask for your advice?

Na olofofo.. Busybody.

Maeve7:
Where did you go to where the temperature was -35 and people delivered food with SUVs? I am excited to visit the place.

...and pee freezing up before hitting the ground.. Omo, see first grade lamba. Nigerians!