₦airaland Forum

OChimex:
$50k a year income is good....lol
These comments proves you don't live in the US.. with $50k in the US, you will be living paycheck to paychek
I rest my case.
If you doubt where i live, go to my profile picture, and check me out

oga rest
I live on 50k$ a year with a wife and a kid and I’m doing fine

I still save enough and also send to my extended family when need be
Although I have other couple of investment back home

I’ve seen people who earn it and are doing just fine

Na you know the one you de talk
Below poverty guideline for a family of 3 is 25k and person de earn 50k you say na pay check to paycheck

Na wa oh

OChimex:
Again, you said i have inferiority complex. Lol...
Go back to my first comment, show me where I say you live your naija life. I said, unless you want to retire in nigeria, like go back home from America.
And your last comment, you said i dey cap nonsense. That's insult if you don't know.
Again, your analysis on credit scores sounds laughable.
The more money you borrow, the more you lose your credit limit. I do a job where I have to run finances on people when they want to buy HVAC units. Some have maxed their limit, they can't get more loading or get finances. Not because you aren't paying the loans you take, but because you have no more asset to back it.
Someone who has a house worth a million, has more credit limit than one who rents.
If i have a house worth $1 million, my credit ceiling will be wider than yours.
The more loans you take, the more your credit scores reduces.
Go to my profile photo, dude, I live in the State and know far more than you do.
I am a sales person in my job.. I know more than you do.
Money paid in mortgage is saved. Anytime you sell the house you get it back with profit.
Money paid on rent is wasted.
Using dollar made in america to Invest in nigeria while working in America is a joke. Take $20k invest in nigeria, after 2 years the naira depreciation will make that $20k worth $5k if you try sell the investment t and convert it to dollar.
The smart way is, invest in America, retire in nigeria. No matter how naira depreciate, it doesn't concern you because exchange rate favors you.
You dey brag say others get inferiority complex, yet you still dey work hourly job for US, lol. If you are too smart, go get a job that pays you commission, that way you make betwee $80 _$150 an hour.

you de cap nonsense it same thing as you don’t know what you’re saying na the pidgin English version
But I won’t argue that with you
Yes it true everybody get credit limit though with assets e de increase but e get where e de reach
And again credit score plays a vital role here
And for info no be today naira de fall and people still go to naija to invest
The likes of tinubu and adenuga, na abroad them first make money con come home con invest. Their business you will do that will never be affected no matter the economy and that what I’m into
My pension, Medicaid and life insurance is okay for me to retire when the time comes
You feel say na every investment must be Watin you think. 50k a year income is good. And you can do a lot with it
If you earn 1000$ a week here you be big boy so forget all this your capping
You just say things cause that what you see on the internet

OChimex:
You could make your points without being insultive to a stranger. Thats illiteracy and crude mentality. Even though you say you live in the US..lol

Now, let me school you... paying house rent in the US is the most stupid thing to do. Money paid on house rent is money thrown away.
When you buy a house, you have investment and asset that increase in value year in years out, money paid in mortgage is money invested, when you want to sell the house, you get the money back with profit. Now being a house owner make you huge credit worthy to have access to bigger loan in case you are business oriented.
You can also pay off your house, retire in nigeria, rent the house out, make money in dollar while retiring in nigeria, that's what smart people do.
If house na $90k, bank wey go give you loan go dey charge interest naaa. That brings the payment up.

Then, try get married and have kids in the US, then you go know wetin dey sup with your $23 and hour job.
Again places that you see very cheap house, also have one of the cheapest job pays.

first of all I didn’t insult you
By now you should know pidgin English is an aggressive language but that aside
And for you to tell me to live my naija style because I stay in america then you must be one of those people with inferiority complex.

Now back to your real quote
Most of you just say things cause you see so many stuff online and I don’t blame
Many of you are only trying to be patriotic when you deep down it far from it.
Now lemme school you!!!
Owning a house on mortgage doesn’t give you access to bigger credit
Your credit score does
You can be in so much debt but your credit score is 750 to 800 you can get anything you want in as much you can pay

Credit worthiness in America ties down to your credit score. And it key. You can have all the assets in the world and once they pull your credit and see it 500 or below forget it. No bank or institutions will want to do business with you That why when you go to banks, credit union, buy a house or a car the first thing they check is your credit score
Use google if I’m lying. Having assets is good but how many people want to be paying land tax. You think owning a home is just as simple as it is. It comes with it own disadvantages. I stay in a rented apartment. All I pay is my rent every other taxes is sorted out by who own the house which is non of my business. Many billionaires and millionaires don’t have real assets in America. They do in offshore countries due to the advantage of dollar to other currencies and tax invasion
For me I have my investment in Nigeria and don’t care about any other asset other than to hustle go home and retire. And for your info
Many america employees have what we call 401k which is pension and Medicaid for health
When you retire that what you live on
Wether you have assets or not you’re good to go. And for your info. I’m married and I’ve a child here in America. I work and my wife works too. And I’m still able to save. But I’ll send my kid back to naija to grow cause the system here give too much liberty to kids and makes them spoilt and do things you sef go de do wonder.

I hope this my few point is enough for you to know that most times your opinion might not be right

Shalom!!!

OChimex:
With a $23 an hour job in america, you are definitely going to work until you are 80 years. Unless you want retire in nigeria. Dude that's a low paying job. You won't achieve anything in America with that. Try buy a home naa. Make we see wetin dey sup. Or you go just keep throwing money away on Renting a house? Remember money you pay on rent is a money thrown away.

some of you just talk and always put of point
Must everybody buy a house
So me wan de live on 50k yearly income comfortably means I go hustle die
Set your priority right

In Nigeria where minimum wage is 70k
How many fit do house mortgage
Even on 50k yearly income
If I want to do a mortgage I can on a 150k home where houses are cheap in the suburbs
Go Zillow and seee houses sold for 90k to 120 or 150 and see if you won’t be able to See a house on a budget
It all about management
I’ve seen people with 200k a year and In debt and also people with less pay living their best life

No de cap nonsense

Funflipper:
Who ever told you he earns $200k a year and still lives from hand to mouth is a bloody liar! Earning $50k a year is just enough to pay your recurring bills even if you choose to starve and God help you if you have a family.

na illiterate you be honestly
How many people de earn 5million a year for naija
If I can comfortably pay my bills from my pay check what else do I want

You for go thief na as 50k$ a year salary no reach you

In my center their are managers where their paycheck is about 150k $ a year but na them complain pass. Always looking for salary increase

De play

maziude:
You live sorting wey you go do, go dey look yansh. Weyrey

Make I no look Watin God creat ?

Werey 😂😂

Besto:
Sure me say you don cut one

de play
Carry Bleep here
Make child support finish your career

Besides I’m married
I don retire 😂😂

Deeegbee:
Make yah wife no catch you o lol

Omo
Them no de tell person na

When you’re in Rome you behave like a Roman

Funflipper:
Hand to mouth means you won't be able to save anything because what you earn is only enough to pay your bills from month to month. That is just a step away from be sucked into the debt canal and if you ever get sucked in, trust me, it is hard getting out.

abeg shift
There are people who earn 200k a year they still from hand to mouth

It is how well you manage yourself so 50k a year is a decent pay

No de carry talk

IbeOkehie:
I like your attitude. Thanks for all your commentary, I've learned a lot. I'm gonna be in Chicago one day in the coming months and I'll let you know. I'm concerned about getting shot though

Good Luck to Nigerians.

when you get to Chicago and you looking for where to stay don’t go to downtown cause it fucking expensive

Once you make your way here
Pm
I’ll give you update on how to survive
I know people who earn 400k but are in so much debt and I’ve seen people who earn 50k and are doing very well

Flangelo12:
Hahaha.

There's dignity in labour.

Bro, don't ever suggest this low paying job leaves one with any significant disposable income, if any.

It is a a hand-to-mouth job, period.

so you mean some one with only school cert earning 50k a year is hand to mouth
Ok what do you call normal paycheck
Abeg tell me

Deeegbee:
Cameroonian ladies are sweet ladies😜😜

my brother I don marry
Make I no lie
She de my eye 😂😅

Flangelo12:
Stop the nonsense.

If Amazon trolley pushers were middle class.



You people should stop this nonsense.

abeg shut up
Na people like ny no value dignity in hardwork
Come to Amazon and see people living well with what ever position they are In

As you de cut corners de make millions you think say na so life be

Flangelo12:
I know your aim is to denigrate Nigeria whilst uplifting yourself at the same time.

Anybody that knows anything about money knows 50k is just about making it to the end of the month.

what do you know
50k a year salary is above average here in illinois where people who just finish high school earn or those don’t want to further and love the comfortable life opt for

Below poverty guideline in America is 19k abi na 18k a year which stipulated when I applied for visa before I got here so if someone de earn 50k a year
What do you think

Na professor for Nigeria de 400k a month
A whole professor oh

Bros abeg quite
No be you patriotic pass

Deeegbee:
You live in Chicago because I know she lives there!

we both live in Chicago and also work in same center
She’s in school of nursing at csu

Very humble and playful girl
They’re two from Cameron who works at my center the other Debbie
Very fine girl and e set like this one too

goslowgoslow:
You called that a low paying job in a country where the minimum wage is $7.25 cent.
Do you live in the US?

live the ode
Minimum wage in Chicago is 15$ and hour and someone is earning 23$ just to stow 😂🤣

MyVILLAGEpeople:
What about taxes, bills and the cost of living. But I know life is much better over there

bro don’t be deceived
The tax no reach anything from your pay check
If you sabi manage you go save wella
I bought a new car which is my second and I want to sell it cause I’ve no use for it
My car note is 250$ a month and insurance is 235$
My phone bill is 150$ for three month
I I stuck my house with food every month for 300$
My rent is 950$ including light and gas and my pay check is 3400$ after tax
I always exchange 500$ to naira just Incase my family back home need money for anything while I save 1k$

When them tell you say internet de lie
Believe it
Come and experience it

All those tax you de see them de cry about is nothing and it even for your own benefit
State tax
Federal tax
Medicad
Car insurance
Life insurance (optional but for your own good and e no ever reach 1$ to get am)
Medical and dental insurance( optional and it for your own good Incase you fall sick)
401k ( which same thing as pension insurance in Nigeria and it optional)
Most companies pay for your school if you work with them

That girl de drive 2023 Toyota Camry
And she go pay am e no go shake her one bit and she is in medical school or nursing at Chicago state university fully paid for by Amazon

It the law here
Any company you work with must give you these school benefits

See as Roberta de trend for everywhere oh
Hahahahahaha

I know her
She works at my center
She’s a Cameroonian

The girl set normally
But facially she no fine
Very hard working girl
And shy too

Make I show her say she de trend for nairaland 😂😂

Ringstonemasks:
Taxes and high cost of living will down d money faster than bolt of lightening...

House rent could be from $2000 upwards, food, groceries, water bills, electric bills, Internet connection, loans on car and phone, fuel, clothing, all these will down d money


Plus Nigerian people calling her for money.


Y do people expose dem selves like this ? Dix world is a wicked place and most people are not happy when u are doing well. They want u to suffer lyk dem. Imagine exposing urself to evil people all in the name of clout.

abeg shut your mouth and who told you all this
Have you been there to come to this conclusion

No let internet fool you oh

If Peter Obi wins 2027 election
I’ll come back to naija fully
But if not
I go de here

In as much I don’t like trump
He’s winning is the yarning of majority of Americans

Not like In Nigeria where inec de gift you position

They can strike for all we care
Trump is now your president for the next four years so deal with it

Nigeria and nonsense hype
The same cyber truck wan dem de take do delivery for amazon flex

Before e go better for Nigeria e go really tay sha

olatade:
When you hear people say “It is easy to make $1M in Nigeria than in the western countries’

This is what they mean.

God bless you
Majority of Nigerians like lawlessness and back door

They hate hard work
Thant why when they get to a working system they complain here and there

Apus:
Nigerian Banks are nothing but thieves. Ever wondered why they are the ones declaring humongous profits in this T-pain era despite their poor service delivery? You got your answer.

that why I don’t bank with them
All my money de usdt in a secure wallet
If I need naira to do anything
I take small
Exchange am and empty the acct

As law No de Nigeria
Institutions do what ever they like and get away with it

Tradepunter2:
Interesting.... But are black Americans also saying they see her more as a governor or mayor material and not president material

my brother it doesn’t matter how they see her
The system is controlled by the whites
And what ever they decides happens and they’re not ready for any woman to lead them either black or white

And the wokeness on gay and libra right is starting to have a toll on the American family society and they are having a rethink

And you know how powerful women rights and the abortion rights over here and if kamala wins it will be worst

The only reason I don’t like trump is he’s loud mouth and hate for immigrant while himself is a product of immigrant

But it is what it is

franchasng:
I won't waste your time, I am going to give you a short list of why Kamala Harris Lost to Donald Trump.

1.) Americans are not ready to allow a woman lead them as President. In as much as they champion gender equality, they understand the dangers of electing a woman, a black or mixed raced as the POTUS. The current generation of Americans now are not ready for that risk.

2.) Americans don't joke with Israel's security. Whoever told Kamala Harris to criticize Israel, publicly condemning Israel defense of her homeland from Moslem terrorists attacks was wrong. She should have kept her mouth shut.

3.) In as much as Americans support freedom, equality and liberalism, the way Kamala Harris supports LGBT, Abortion, genderless madness and other anti Christian wokeism practices became worrisome to so many real Americans not the fake Americans wannabes.

4.) Most Americans are tired of Ukraine Russian war and they believe Trump can put an end to the war and save the world from a possible 3rd world war or nuclear battle. The Americans of today love fun and enjoyment more than anything and not ready to go to any war like Americans of the 1940s to 1990s

6.) Migrant Influx. Many White Americans are tired of migrants trooping into their country. They believe if this is not checked, America will lose its glory in no distant time so they want a President that can be bold enough to stop or slow down migration to a great extent.

as an immigrant living in the US
You’re not far from the truth

What if they all slept with the man because their husbands has a fraudulent case having in their neck and the only way to sweep it under the carpet is to sleep with him

This Africa
Politicians do the most bizarre things just to stay in power not even minding sending their wives to sleep with top people in office

All the federal road wan de Nigeria ona never fit fix am but ona de spend 15trillion on a new road wan no get head

Na wa

If you understand section 8
You will never vote for trump

Those supporting trump are those who don’t know the struggle of an average American

Kamala is the real deal

Since I come america I never see people go to night vigil or an ad for night vigil

But I’ve seen people going on night shift to work till the next day and the pay is higher than those on day shift

Peter Obi is rear
Wether you like him or not
What ever he say is the truth

Yoruba can Goto another peoples land to contest an election and win but no one is allowed to do same in their land

Bunch of hypocrites

Another lie from kemi
Trying to be relevant

Who’re you that FBI will inform that peller is on their watch list

FBI don’t inform you
They do their investigations
Get evidence and then come take you
Na the day them pick the world go know who your really be