₦airaland Forum

Procashtips:
Almost 42 years
A freelance/independent consultant
With 2 children (Almost 6 and Almost 4)
Wife working.

Lost it all in bad collaboration, fraudulent investments, bad/wrong investments and also theft.

Got an asset that can give him ₦20m after debts are paid.
How does he bounce back with the above?

Rent is 2m annually
School fees is 300-350k termly.
Feeding ₦150k+ monthly
Others: ₦100k monthly


If you are in his shoes, what are you going to do?

He plans to be responsible for running the house this time around without relying on assistance from the wife to restore sanity/orderliness.

Advice him from the point of financial and career stability,

Part 2

Personal Comeback Manifesto and a Lean Business Plan tailored to this resilient Nigerian consultant. This will be a blueprint for financial recovery, career clarity, and household leadership.
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🧭 Personal Comeback Manifesto

Title: “From Ashes to Order: My Comeback Blueprint”

🎯 Core Commitments
- I will lead my home with dignity and discipline.
- I will rebuild my career with integrity, clarity, and control.
- I will never again outsource my financial sanity.

🛡️ Guiding Principles
- Simplicity over status.
- Cash flow over speculation.
- Service over ego.
- Faith over fear.

🧱 Daily Habits
- Morning routine: prayer, journaling, planning.
- Weekly review: finances, goals, family check-in.
- Monthly reflection: what worked, what didn’t, what’s next.

---

💼 Lean Business Plan (Consulting)

1. Niche Definition
> “I help [target audience] solve [specific problem] through [my unique approach].”

Example:
> “I help small and mid-sized Nigerian businesses streamline operations and reduce waste through practical, data-driven consulting.”

2. Service Packages
| Package | Description | Price Range |
|---------------------|------------------------------------------|-----------------|
| Starter Audit | 2-week business health check | ₦150k–₦250k |
| Monthly Retainer | Ongoing advisory (4 calls + reports) | ₦300k–₦500k |
| Project Consulting | Full engagement (3–6 weeks) | ₦600k–₦1.2M |

Start with 2–3 offerings. Keep it simple, clear, and results-focused.

3. Marketing Strategy
- LinkedIn revival: Share lessons, insights, and client wins.
- WhatsApp broadcast list: Past contacts, mentors, peers.
- Referral system: Incentivize word-of-mouth with discounts or bonuses.

4. Revenue Targets
- Year 1 Goal: ₦10M in consulting revenue.
- That’s ~₦850k/month. Achievable with 2–3 clients/month.

---

💡 Side Hustle Strategy (Optional)

Use ₦1M–₦2M for a low-risk, cash-flow business:
- POS terminal + mobile money agent
- Car hire (Uber/Bolt) with a reliable driver
- Mini importation (electronics, accessories)
- Digital products (eBooks, templates, online courses)

Keep it simple. Avoid emotional investments. Test small, scale slow.

---

🏠 Household Leadership Plan

📊 Monthly Budget Discipline
- Use a budgeting app or spreadsheet.
- Track every naira. Review weekly.
- Involve wife in planning, even if she’s not contributing financially.

🧒 Parenting with Purpose
- Teach kids about money, gratitude, and resilience.
- Create family rituals: weekly game night, monthly outing, prayer time.

---

🔚 Final Word

This isn’t just a comeback—it’s a redesign. He’s not trying to reclaim what was lost. He’s building something wiser, leaner, and more aligned with who he truly is.

If you'd like, I can help draft his LinkedIn bio, a sample outreach message, or even a pitch deck for his consulting services. Just say the word.

That school fees seems abit high

I would rather you weigh other options for school, cheaper options that would give good education

The idea is to be able to pay the fees every 3 months without it causing you financial distress

School fees would almost be a million by the end of the session minus other things like transportation, books and what not

Procashtips:
Seems topics like this aren't meant for the Nairaland audience.

There is no advise you can give this kind of person that will work, until the 20m reach what he can comfortably handle. He hasn't grown mentally to be able to comfortably handle 20m. He still sees it as huge amount of money, hence his coming to Nairaland to ask for what he would do.

As par what can be done with such money, start a service business. Laundry, Car wash, logistics and some other service rendering business that you can physically be involved.
Another venture is crop farming. That will also give you peace of mind and grow your mind to absorb losses and stabilize you in the meantime.
Avoid investments that will promise you bogus returns. Do not attempt sport betting. Support your wife and don't compete to get back your dignity, just continue being responsible, your dignity will return.
But I doubt if any of these will make sense to op....

Procashtips:
Almost 42 years
A freelance/independent consultant
With 2 children (Almost 6 and Almost 4)
Wife working.

Lost it all in bad collaboration, fraudulent investments, bad/wrong investments and also theft.

Got an asset that can give him ₦20m after debts are paid.
How does he bounce back with the above?

Rent is 2m annually
School fees is 300-350k termly.
Feeding ₦150k+ monthly
Others: ₦100k monthly


If you are in his shoes, what are you going to do?

He plans to be responsible for running the house this time around without relying on assistance from the wife to restore sanity/orderliness.

Advice him from the point of financial and career stability,

My suggestions
1. Cut expenses. Change environment, the children schools, careless givings especially to family members that we think love us
2. 20M is a very big money for a man like me to start business. It can help you start a mini skid unit(for cooking gas) if carefully spent or u can go into transport business,(buy bus for distance journeys) or wholesale of food stuffs.
Please run it yourself

First is acceptance of his situation which he's done already as this is the first step in solving problems.

No single advice will best suit his situation because he's the only person that knows how he feels and what's involved. All advises he gets here will just be people trying to put him in their position and advice based on what they'll do. And you need to know that these people's actions will be based on their levels of experience and exposure.

What I'll tell him is to give himself a time frame to bounce back. There should 2 time frames. One for the quickest time set to achieve his goals and the second for the latest time applicable.

Cut your expenses if possible also

Procashtips:
Seems topics like this aren't meant for the Nairaland audience.

Don't know where exactly this person is located but what ever he does, agriculture is way to go. He should leave a fraction of that money for agro biz
Personally, I'm planning on going into goat/ pig/ turkey farm.
Already have two plots of land for it. First I will need to fence and put a structure on it.
Good luck bro.
I detected something in the last paragraph. He should remain strong and not allow the woman's tantrums to break him. Women are usually like that.

Procashtips:
Almost 42 years
A freelance/independent consultant
With 2 children (Almost 6 and Almost 4)
Wife working.

Lost it all in bad collaboration, fraudulent investments, bad/wrong investments and also theft.

Got an asset that can give him ₦20m after debts are paid.
How does he bounce back with the above?

Rent is 2m annually
School fees is 300-350k termly.
Feeding ₦150k+ monthly
Others: ₦100k monthly


If you are in his shoes, what are you going to do?

He plans to be responsible for running the house this time around without relying on assistance from the wife to restore sanity/orderliness.

Advice him from the point of financial and career stability,

/
N20m? You are in a better position than most Nigerians.

You need steady cash flow.

1. Use about N5m and buy Toyota Corolla. Register with Bolt and/or airport taxi.
2. Figure out what petty business to start with another N5m as backup plan.

3. Keep the remaining N10m like your life depends on it.

/

Instead of selling that assets, why can’t you lease or rent for people, then use the proceeds to invest.
Cut down your house rent. You can even live in that assets if it’s a building or go and rent lesser place.
I don’t know where you live, but if you freelance, I think you work remotely.
Then gather some money and start a good business along side your freelance job.

Let he set aside 2m for family and fix the remaining on government bonds and be managing the gain from that to run his home, till he get a better business to invest in.

Firstly, I will strongly advice against the schooling fee. Find a school which teaches well and pay less. Secondly, find a an apartment with less rate to start with.

We have similar problems. I lost mine in shady travel arrangements. I have an asset than can pay my debts too. It's my uncompleted house but I don't wanna sell it, cos that's like the only thing I have left.
Still struggling to get back on my feet, being trying to figure out ways to repay my debts.
I am currently into Forex trading and trying to secure a loan to go fully into trading.
Sometimes, I just switch off my phone to avoid disturbing calls. I know I will get back on my feet but don't know how soon.
Guy, a man's life is not an easy one! A man's life would have been a lot more easier, peaceful and enjoyable without family. Building a family has led to the end of a lot of men.
May God help us...

If this is true and he is really determined to bounce back, his best bet is first building a good home that restores relationship with his wife. That way, two of you will work to support each other. 2ndly, relocate to the north. Preferably, Kaduna or Jos where you can get good property to rent of 400k - 600k per annum easily. U can also get good schools of 200k per term. Next, think agriculture. Use like 8m to purchase farmlands in fairly secured places. 7mill is enough for you to clear the farm(s) and cultivate using basic crops especially rice. By next harvest season, you are set. With time you can think of plantation and diversification.

Don’t be afraid to learn a new skill and if you have old ones, experiment with them. 20 mil is a healthy chunk, but not enough. On the bright side, if you manage your funds properly, you can bounce back within a year (365 days is a lot of time, if managed well).

Some hot skills remain copywriting, cryptocurrency trading, investing in stocks, domain flipping, AI content creation, programming, and many IT skills. It’s hard, but please embrace the suck.

dontai:
"...........He plans to be responsible for running the house this time around without relying on assistance from the wife to restore sanity/orderliness".

What's the meaning of this, naa una dey kee una self. No assistance from the wife and she's working. I give kundusi for Africa men/simp. I no fit, all hands on deck first!

I know it's only a matter of time before these embittered nairaland alfa males will come and talk trash about the wife

Since you've never ran a family and probably hopefully never will, let me tell you for free that that monthly N150k (5k per day) feeding allowance is not nearly enough to feed a middle-class family of 4. The wife must be heavily augmenting it with her income. The man himself did not complain about his wife, wetin now come be your own?

sunky1983:
Firstly, I will strongly advice against the schooling fee. Find a school which teaches well and pay less. Secondly, find a an apartment with less rate to start with.

Leaving an apartment of #2m annually to a e.g., 1.2m will cost him more. Consider the stress of relocation, cost of relocation, agency, agreement/legal and caution fees. Immediate relocation as a short term strategy against distress is a d mb idea. Relax, chill, and figure out other alternatives before jumping out.

Only relocate when you're sure that you may never bounce back even if they give you 10 years. If you're in distress, stay where you are unless you're trying to save significant money (e.g., leaving a 2-bed apartment in Lekki to a "face me, I slap you" room in Gboko, Benue State). That's the only way to save money in the short-term.

Hermanie:
Why is his wife not contributing anything at all to the home, when she's also an income earner?

She needs to carry the small financial burdens, like cost of cooking and so on.

Na these things dey quick kill African men. You're trying to carry everything on your head. Meanwhile your wife is saving her own income, using it to buy expensive wigs and sending money to her younger siblings.

If you check now, this man is most likely on medication for blood pressure

She has been, hence the restoring order quote.

dontai:
"...........He plans to be responsible for running the house this time around without relying on assistance from the wife to restore sanity/orderliness".

What's the meaning of this, naa una dey kee una self. No assistance from the wife and she's working. I give kundusi for Africa men/simp. I no fit, all hands on deck first!

The wife is currently the main financial of the family which is affecting the family structure in a not so positive way.

Stephen0mozzy:
Cut down your living standards to meet the current reality. This Will give you a clearer mind to restrategize and bounce back.

The major assets of people who have at any point in their career earned that much is CONNECTION AND NETWORK. It is now time yo leverage the relationships you have built over the years... Reach out to people you have good reputation with, let them know you're open to new contracts, jobs even part time opportunities to help you stay afloat while you rebuild your wealth again.

Foolery will be retaining a rent of ~200k monthly, 150k for feeding, school fees of 350 every 4months and 100k monthly miscellaneous expenses as if you were getting inflow as before.

Unless you want to sell off the assets to maintain a lie for 4years and pray to God that something good comes out, and comes out quick

They're actually okay with the rent. Wife's 2 month's salary + or - minus clears the rent and the school option is almost similar to other schools around.

As I know, they don't pay for school bus which would have been 50-80k per child for a term based on the proximity of the house to the school.

The man in view is just afraid of losing it all again.

Fears this is his last shot at stability.

Procashtips:
She has been, hence the restoring order quote.

So, can you explain how her stopping to contribute any money at any capacity will help you restore order? Is she a disorderly person?

And may I ask, while you're pouring all your financial resources into the family as you should do, what does she do with her own financial resources? Take care of herself independent of the family?

Don't you think on the contrary it will help you reach your savings goals faster?

Please I'll legitimately like to know.

There's a man out there struggling to carter for his family. He takes care of every single thing financially, basically has zero savings as a man. Since 2019 he has been using the same Infinix phone, meanwhile he has changed his wife's IPhone 3 times in that period. While this man is struggling to pay rent, he received information that his wife had secretly bought a piece of land and was already in the process of building a secret house

If he didn't receive this information, in the next 10 years he might still be unable to build his own family house because he can barely save any money, meanwhile his wife would have a secret house where she collects rent.

Procashtips:
Almost 42 years
A freelance/independent consultant
With 2 children (Almost 6 and Almost 4)
Wife working.

Lost it all in bad collaboration, fraudulent investments, bad/wrong investments and also theft.

Got an asset that can give him ₦20m after debts are paid.
How does he bounce back with the above?

Rent is 2m annually
School fees is 300-350k termly.
Feeding ₦150k+ monthly
Others: ₦100k monthly


If you are in his shoes, what are you going to do?

He plans to be responsible for running the house this time around without relying on assistance from the wife to restore sanity/orderliness.

Advice him from the point of financial and career stability,

Running cost of your home from the figures you gave above is N6m - N6.5m per annum. If you don't want to lose your family, I am going to suggest you have 3 times of this amount in a safe place. That's like saying minimum of N6m per year. If you have nothing to do, and inflation doesn't make rent or food prices go up, you are covered for 3 years. And if it does, you are covered for 2 years and you will struggle hard the 3rd year, but you will survive it.

So, you are left with N3m to hustle out what you want to do to make more money. This is the reality here. What can N3m do? This is what you need to ask.

Maybe you need to quickly find a way to reduce your expenses by moving to a cheaper apartment and even reduce more expenses from other areas so that you can have more capital for whatever you want to do. It's another option you should look into. Kids moving to cheaper schools in time of crisis isn't bad. Also, buying food in bulk to reduce the cost of food can be helpful too.

Anyway, sit down well and make sure you have 3 good years money to run your your family. If you don't do this, you will not be able to focus.

Then, you can plan well. You can learn a new skill, run a transportation business by yourself to raise more money, learn gardening and open one (very lucrative if you know how to do it), or whatsoever you find good.

At least you know that you have 3 years to run faster than Usain Bolt.

Good luck!

Fiscus105:
After paying your debt, I will advise you to take ₦10m from the money to the work, that you have been doing before you hit the rock, but this time, be vigilant and not enter fraudsters hands again.

The business you have been known for, would quickly bring you back to ur former level, far easier than complete new business or job, not even at 42.( to get new customers and trust of people to do business with you, it would take a while)

Meanwhile, the remaining #10M if you can save 8 million in fixed deposit account for 2 years or you buy shares, but I prefer fixed deposit savings, the ₦8M would be money to fall back on, incase things go south again, and if you bounce back, you collect it after 2 yrs and add it to the investment.

The remaining ₦ 2M, you will be using that for family upkeep until things come back to shape.

NB. Meanwhile, I biliv your wife job is fetching enough money too,in other to assist you at home,you need her assistance during trying times, stop the mentality, you don't need wife assistance, not even difficult times, if not, you must move out from high rent to low rent house. Also, you cut down many expenses until you come back to your feet.

The wife is currently handling the bills which comes with it's own consequences.

ajalawole:
imagine 1m rent yearly. Money he would have use got land somewhere

They have lands though..

You can't have an asset in millions and not own at least a land.

Procashtips:
The wife is currently handling the bills which comes with it's own consequences.

He said, he wants wife to off hand, that's why I put it in my advice that, wife won't off helping hand for now, until he gets back to his foot

Procashtips:
The wife is currently the main financial of the family which is affecting the family structure in a not so positive way.

bro, it's takes two to really tangle, can the wife bare her cards on the table like this? The answer is no. So I'm still on point, like I said early, all hands must be (equally) on deck. Anything besides that is someone becoming a widow so soon, happy one at that.

Procashtips:
Thank you.

So what are the options you think can as least give me monthly income enough to cater for the home front while he works on his financial stability?

Set 1-2m aside: option one: (The street way) enter into Lagos popular markets, look for hot products from wholesalers, have a discussion with them and enquire if they can deliver nationwide.

Create social media pages and start posting those products, RUN ADS like mad... Once you get buyers, you let the wholesalers do all the ground work (supplying/delivery)

Be consistent with this for just a month and testify by yourself. (Buying and selling is blood money in digital era... Just find that hot product)

Option 2: if you don't want the street way, you can search and haunt for those wholesalers/products plug online and do the same thing.

After a month or two you can decide if it's worth going full scale or not

Procashtips:
They're actually okay with the rent. Wife's 2 month's salary + or - minus clears the rent and the school option is almost similar to other schools around.

As I know, they don't pay for school bus which would have been 50-80k per child for a term based on the proximity of the house to the school.

The man in view is just afraid of losing it all again.

Fears this is his last shot at stability.

Oh great... Means he has a supportive wife. Who can help him weather the storm in the home front.

The man should not be to harsh on himself. A calm mind can actually plan better. He should not beat himself too much over the last failed enterprise that he becomes too "cautious" and lose out on new opportunities - he'll need to still trust people again in whatever business he seeks to venture into - but this time, should be done with more scrutiny.

As someone earlier said, he should invest in the same things that first gave him his wealth.

I can't suggest any exact business, but buy and sell is usually safest provided there's an established demand.

Procashtips:
Seems topics like this aren't meant for the Nairaland audience.

Nairaland audience are to criticize, attack and lamenting,.... If this topic is to be woman issues or Tinubu/Obi.

Just I posted yesterday, blaming others are the main reason, people going to abject poverty. 95% of people here, know nothing but to blame and blame, most especially blaming women.

This post expose them.

Hermanie:
So, can you explain how her stopping to contribute any money at any capacity will help you restore order? Is she a disorderly person?

And may I ask, while you're pouring all your financial resources into the family as you should do, what does she do with her own financial resources? Take care of herself independent of the family?

Don't you think on the contrary it will help you reach your savings goals faster?

Please I'll legitimately like to know.

There's a man out there struggling to carter for his family. He takes care of every single thing financially, basically has zero savings as a man. Since 2019 he has been using the same Infinix phone, meanwhile he has changed his wife's IPhone 3 times in that period. While this man is struggling to pay rent, he received information that his wife had secretly bought a piece of land and was already in the process of building a secret house

If he didn't receive this information, in the next 10 years he might still be unable to build his own family house because he can barely save any money, meanwhile his wife would have a secret house where she collects rent.

bro, leave them. They want the "clay molded" the best husband trophy. While the society/wemen cheers them to their early stroke via BP, then eventually kicking the bucket. The wife will now be a happy widow, with a good memories of her self deluded husband, while her pastor and boss plus a cute young banker helping on her husband money all became her new toys.

Procashtips:
Almost 42 years
A freelance/independent consultant
With 2 children (Almost 6 and Almost 4)
Wife working.

Lost it all in bad collaboration, fraudulent investments, bad/wrong investments and also theft.

Got an asset that can give him ₦20m after debts are paid.
How does he bounce back with the above?

Rent is 2m annually
School fees is 300-350k termly.
Feeding ₦150k+ monthly
Others: ₦100k monthly


If you are in his shoes, what are you going to do?

He plans to be responsible for running the house this time around without relying on assistance from the wife to restore sanity/orderliness.

Advice him from the point of financial and career stability,

Why not say it is you?

erad:
150k per month isn't enough?

Lol... What are you eating? That's enough to get basic foodstuffs and every other little thing can be bought when needed. Y'all act like food is now gold in Nigeria.

Or wait first, where do you live in Nigeria? I think that plays a role as well.

I live in Lagos and I can boldly tell you that 150k can't feed the family of 4 in a month. Unless all you'll be eating is rice and noodles... If soup is included, forget it .

erad:
150k per month isn't enough?

Lol... What are you eating? That's enough to get basic foodstuffs and every other little thing can be bought when needed. Y'all act like food is now gold in Nigeria.

Or wait first, where do you live in Nigeria? I think that plays a role as well.

What basic foodstuff?? How much is a bag of rice currently?? How much is a kg of gas?? Come on be realistic i mean a family of four. I'm a man with a wife and a daughter we spend more than that in a month.