Concrete scenario — and I want concrete answers.
You have ₦1.5 million saved. You are 28. You have four years of work experience in your field.
Option A: Masters degree. Abroad if possible, or a reputable Nigerian university. Credential bump, possible salary jump, networking.
Option B: Start the business you have been planning for two years. Use the money as seed capital. Bet on yourself.
Option C: Split it — invest ₦700k in the business and save ₦800k as runway while you build.
What do YOU actually do? Not what sounds inspirational — what is the rational, Nigeria-aware, 2025-realistic answer?
I'm facing this exact decision. Real inputs only.
You have ₦1.5 million saved. You are 28. You have four years of work experience in your field.
Option A: Masters degree. Abroad if possible, or a reputable Nigerian university. Credential bump, possible salary jump, networking.
Option B: Start the business you have been planning for two years. Use the money as seed capital. Bet on yourself.
Option C: Split it — invest ₦700k in the business and save ₦800k as runway while you build.
What do YOU actually do? Not what sounds inspirational — what is the rational, Nigeria-aware, 2025-realistic answer?
I'm facing this exact decision. Real inputs only.
