₦airaland Forum

Bluearrow:
Most of us have also lost money to gambling in the past. There was a day I played one particular type of selection on sporty bet, I selected many games with the option of if few wins, I win the bet, the few I selected still didn't win, it was that day I realized one can't make out anything from gambling. It has been designed to make people lose their money.

You are correct boss,I lost everything I hustle to gather,sold my two plots of land and gamble all the money away,all the money I made last year I played every,I am never going back again,if it was before this 8million I sold my house would have finished by now,but I thank God I just deactivated all my online accounts,and I bought small solar so I won't even go to the shop if NEPA doesn't bring light.
I thank God for everything though,I will get everything back I believe,as long as I am alive,I will make everything black in 100 folds
Gambling make a man to remain in poverty forever

Bluearrow:
This is a very good plan if u can stick to it
Although challenges will come along the way, but if u are determined u will succeed. 37yrs is still very ok for a man to marry. I do not encourage men rushing into marriage, marrying early is good but financial stability is very important as well. A family man without a reliable financial plan may end up living a miserable life. If by age 37-39 things are not working out, only then I can advise a man to get married regardless of his finances.

Sorry about your experience, I can see u are being very careful this time around. We have all lost money at some point, it is part of experience. If u don't mind, what kind of investment made u lose that amount, others can learn too.

God bless you sir,I really appreciate your words of encouragement 🤲🤲🤲
I am ashamed to even tell someone or anybody how I lost 40 million naira last year.
I was gambling,I gambled everything away I was onto online and offline gambling

Bluearrow:
No treasury bill will give u 25% it is around 15-16% which is around 80k/90k monthly on your capital & your money will be locked. It is best to get mini bus if u will be riding yourself. It is not even comparable to treasury bill. With mini bus u can cater for your family, pay rent & finance your daily affairs. Even with a 15m capital on treasury bill, u can't get more than 160k a month.

Thank you sir for the better explanation

Hezzyluv:
So, what are you waiting for? And, the price of normal mini bus I know is not up to 6m.

Don't start by stressing yourself seeing to it that you match your friend's 30k daily take-home. Set yours around 17k daily, save 10k and use 5k for yourself. The remaining 2k, save it separately in case, the bus developed fault, u can take from it n use it for repair.

Then as time goes on, you can increase your daily savings. Life Na jeje.

Thank you sir.
I am a Hustler but I will start small like you have advised 🤲🤲

Bluearrow:
No treasury bill will give u 25% it is around 15-16% which is around 80k/90k monthly on your capital & your money will be locked. It is best to get mini bus if u will be riding yourself. It is not even comparable to treasury bill. With mini bus u can cater for your family, pay rent & finance your daily affairs. Even with a 15m capital on treasury bill, u can't get more than 160k a month.

I skipped process inside the 40 million I was able to pull a structure which I sold 8 million because it was distressed sales,I spent 12 million on the structure but sold it for 8 million,I went broke so I had to sell it,but never going back to gambling again, 8 months now I didn't play anything gamble,I gave my father 1million I am Left with 7million,I will bounce back I believe
If I can save 25k every week,in a month that's 600k,in two years I will be out of shithole called country

Seunpapa65:
Use am play arsenal to lift UCL na confirm 2 odd

Use your family property to do that sir.

Bluearrow:
No treasury bill will give u 25% it is around 15-16% which is around 80k/90k monthly on your capital & your money will be locked. It is best to get mini bus if u will be riding yourself. It is not even comparable to treasury bill. With mini bus u can cater for your family, pay rent & finance your daily affairs. Even with a 15m capital on treasury bill, u can't get more than 160k a month.

Thank you very much boss my plan is too save for 2 years and move out of the country by then I will be 32 years, hustle for like 5 years and marry,I want to escape poverty with all my life that's why I will marry late,owu is a very baaaaaaad thing,I made a lot of money up to to 40million but I gambled everything away

Olachase:
That thing way you do way give you 7M focus on ham well

Incase the 7M way mk you they think you have arrive Fail you

Person invest 17M for business anyway him don return to him village now

That's not my portion and can never be my portion.
I will succeed with proper planning.
Which one is keep doing that thing that gave you 7 million,what if is someone that helped my life with the 7million sir, should I keep begging him for more

neutralmind:
Transport is stressful


Just do fixed deposit in renmoney or any digital bank.

You can get up to 22% per annum

That's about 120k per month guaranteed. No stress

120k can't feed me in a month sir that's just where the problem is.
I thought Treasury bill is 25 percent in 91days,that's 900k in 3 months or what I saw online is not correct please can you explain to me sir

Hop3:
If you know you won't be able to wake up every morning and hit the road with your mini bus then do not buy it

I can I am a real hustler nobody day for me only me I have a plan after two years I will travel out I made my calculation 25k savings everyday I won't be working on Sundays

quadraheem:
Why not try to look beyond these two

I don't want to risk that money is all I gat for now life knocked me down and that's my life savings

Should I use my 7 million to buy mini bus or I should buy Treasury bill please
I need urgent advice please

Bluearrow:
It depends
If u are going to be driving d mini bus yourself it is far better na. But if u are planning to buy it for someone to balance u, better buy treasury bill. Treasury bill is for idle cash, because return is low

Thank you sir
I want to drive it by myself I can't give someone to drive for me

sirrotex:
What is your risk appetite like?

I am a risk taker boss naturally

brain54:
What state are you in and do you plan on driving it yourself...?


The interest on treasury bill is low but safe. If the 7million is just laying around then treasury bill. Remember treasury bill have a fixed time for maturity.



If you are looking for daily bread then transportation... just use part of the money to buy boxing gloves if you will drive yourself... don't forget to buy double if you are not driving yourself!

😂😂😂😂😂 Gloves for what exactly sir, Delta here we don't have thugs.
You only rojaa police,one of my friend is in the business already he makes 30k daily after expenses

buttlover:
Are you a fighter, a patient but angry Nigerian, if you are not. Stay away from commercial transportation.

People are making it somehow here, people are building houses with it here,is just the stress I am just looking at,there is no thugs in this state I reside

Roseodd:
Should I use my 7 million to buy mini bus or I should buy Treasury bill please
I need urgent advice please

Please I need advice urgently please
I will really appreciate everyone contribution

Should I use my 7 million to buy mini bus or I should buy Treasury bill please
I need urgent advice please

Please which European country can I travel to with my 10 mlillon naira as a Hustler.
Please very urgent.

Can 8 million naira take me to any European country country please very urgent.
I need advice

Firebox123:
bad advice

Explain sir

Firebox123:
making it in 8million

Use the fist one to continue my building already,and it went farrrrrrr

Firebox123:
how many times

This is another funds sir

I need an urgent advice please.
Should I use my 4million to buy Treasury bills,or mutual funds.
Or I should just buy the mini bus and drive.
Urgent answer needed please

Firebox123:
mini bus and drive

Thanks dur

Meerahbel:
🚐 Option 1: Buy a Mini Bus and Drive
Pros:

Daily/weekly income stream.

Potentially higher return than passive investments if you manage it well.

You have more control.

Cons:

High operational risk: repairs, fuel, accidents, inconsistent revenue.

Time and energy required if you’re the driver.

Regulatory/ticketing issues in some areas.

Depreciating asset.

Recommended only if:

You have solid knowledge of the transport business.

You’ve done cost vs. income analysis (e.g. average daily earnings minus fuel/maintenance).

You’re ready for active management (or have a trusted driver with accountability).

📈 Option 2: Treasury Bills
Pros:

Very safe (government-backed).

Fixed, guaranteed return.

Great for capital preservation.

Short-term options (e.g. 91, 182, 364 days).

Cons:

Low return (typically around 10–13% annually).

No early access without penalties.

Doesn't beat inflation significantly.

Recommended if:

You want zero risk.

You’re saving for a near-term goal.

You’re okay with modest returns and just want your money safe.

💼 Option 3: Mutual Funds
Pros:

Better potential returns than T-bills (especially equity/balanced funds).

Diversified portfolio (bonds, stocks, etc.).

Managed by professionals.

Liquidity (can cash out with little delay).

Cons:

Moderate risk (market fluctuations).

Returns not guaranteed (depends on fund type).

Recommended if:

You want a balance between safety and growth.

You're okay with medium risk and don’t need daily cash flow.

You’re looking to grow your money over time.

🚨 Final Advice (based on your tone and urgency):
If you urgently need income and have business experience, the mini bus could work—but only with a clear plan and backup savings for risk.

If you're not sure, go with a split strategy:
₦2M in Treasury bills or mutual funds (safety/growth)
₦2M saved while you research/test the bus idea or another business

Never tie up 100% of your funds in one risky venture without backup.

Thank you sir,you are a man of wisdom!
I will keep observing more comments

I need an urgent advice please.
Should I use my 4million to buy Treasury bills,or mutual funds.
Or I should just buy the mini bus and drive.
Urgent answer needed please

Roseodd:
No sir.
Funny enough I did not even write weac.
My mum sister they gave my weac money ate it.
Wo I don't want to remember the past.
I was destiny to be grate that's all I can say.
But I speak eloquently.
If you meet me in persons,and I tell you I am not a graduate you won't believe.
I have really suffered in life,that's why I learnt early.
I started feeding myself at the age of 16,till now,I have never asked from help from anyone.
Even my own dad has denied me before,that his not my father that I should go and look for my father, because my mum and him had issues when I was like 4months old, before my mum took me away.
God is the greatest, though we have reconcile, after like 20years later.
The old man always day call me day beg money,I send to him ,but those words he said to me will die with me, though I have forgiven him.
I thank God where I day today,and I am just starting.
Just got another job tonight,worth millions again.
I am forever greatful to almighty God forever.
Left home age 16 completely.(my mums sisters place).
I don't even want to start business, because I am investing to travel out.
My properties will appreciate,I sell them off,and travel out.
I don't communicate with anyone,I am just alone for now till I travel out.
The last time I saw my mum,her last word to me is you will travel to that America, don't worry.
And is happening by God's grace 🙏🏿.
I have a lot of stories,but everything will come out, when is the appointed time.

Sorry I might make some mistakes, can't write much like that for now

id4sho:
Do you have trade test certificate i,ii,III and apprenticeship cert?

No sir.
Funny enough I did not even write weac.
My mum sister they gave my weac money ate it.
Wo I don't want to remember the past.
I was destiny to be grate that's all I can say.
But I speak eloquently.
If you meet me in persons,and I tell you I am not a graduate you won't believe.
I have really suffered in life,that's why I learnt early.
I started feeding myself at the age of 16,till now,I have never asked from help from anyone.
Even my own dad has denied me before,that his not my father that I should go and look for my father, because my mum and him had issues when I was like 4months old, before my mum took me away.
God is the greatest, though we have reconcile, after like 20years later.
The old man always day call me day beg money,I send to him ,but those words he said to me will die with me, though I have forgiven him.
I thank God where I day today,and I am just starting.
Just got another job tonight,worth millions again.
I am forever greatful to almighty God forever.
Left home age 16 completely.(my mums sisters place).
I don't even want to start business, because I am investing to travel out.
My properties will appreciate,I sell them off,and travel out.
I don't communicate with anyone,I am just alone for now till I travel out.
The last time I saw my mum,her last word to me is you will travel to that America, don't worry.
And is happening by God's grace 🙏🏿.
I have a lot of stories,but everything will come out, when is the appointed time.

Sonofgod1990:
Bring that money make i help you drop 2odds. You will make 3 million naira again in less than 2 days

If the game con cut.
Then your life go go for am,you agree?

Afolue:
where and how did you come about your 3m? People who own good businesses haven’t even been able to afford such as their net worth but yet are still doing well.

Something is mixed up somewhere. One with such amount of money can not be here seeking advice

Lol,I get pass that 3m self,is that I kept like 700k for expense