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Japa With ₦30M? Think Twice – A Realistic Breakdown Of Life Abroad - Travel (5) - Nairaland 661h49

Japa With ₦30M? Think Twice – A Realistic Breakdown Of Life Abroad (42039 Views)

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Atk1nson(m): 11:10pm On Mar 16
abbey621:
Japa or no japa, if you're comfortable with minimum wage then you're still sleeping! The expectation is that you do that minimum wage for a couple of hyears and then naturally grow into higher paying job.

In 2010, I arrived US making minimum wage from cleaning floors, 3 years later I was making 55,000 a year and felt comfortable, fast forward 12 years later, I'm making close to 300k per year between the job and businesses yet the drive and ion never stops, abroad is what you make of it.

There's no one path to success and life abroad is full of ups and downs, even high earners could find themselves unemployed, this is why even when comfortable you cannot afford to relax and dull yourself.....Stay hungry, stay disciplined....Keep growing, never ever ever BE COMPLACENT !

The guy you are talking is probably already set in his ways.

He has been in the UK for three years, does not have a driving licence and instead complains failure rate is too high so people should avoid it.

He has been doing minimum wage job since he arrive and will rather complain rather than ask for guidiance
SocialJustice: 11:11pm On Mar 16
chrisifeanyi:
Op go and learn driving and get licence
Get certification in your field and submit applications for job. Don't use indeed. Go to Craiglist rather.
If you can't succeed in UK then you can't succeed anywhere.
Even Canada is hard now.
Stop complaining and I hope you can suspend any childbirth now and allow your wife to work to you until you two are better to start birthing children again.
What does he need more kids for? E want sell them?

1 Like

Snowstorm: 11:12pm On Mar 16
lol
fullclub: 11:12pm On Mar 16
SocialJustice:
Shuuu, na im you dey threaten me. Your wife no dey work dey share bill with you, what you are paying is too much.

Them no dey do man of the house for UK, before you know your wife go build house here and you have nothing. Your kids are almost no expense too, school is free and government pays you stipend for each child abi no be so?

Calm down again.. Once u got kids one cant work full time only one can

1 Like

PHIPEX(m): 11:14pm On Mar 16
Treadway:
fullclub!

I you very well..I engaging with your earlier thread, and wishing you the best through your ordeal at the time.

But I can't understand why you are yet again creating a thread like this one, that achieves nothing, ultimately.

I'm sure if we could turn back time, to go back to where you were mentally when you began your journey to Japa, 10001 of these kain threads would not have deterred you. So I just wonder what you hope to achieve with it now. Even Dele Momodu wey dey cap, prolly spends more than half of the year overseas.

These kain decisions should be left to each person to make and deal with. No need for convincing or explaining. It is pointless! I don taya to dey read this kain threads for here aswear


Those that think it best to stay in Naija should be left alone, as they have the conviction that they know what they are doing. Those that think is best to Japa should be left alone, as they also have the conviction that they know what they are doing...

All this shalaye is not necessary


How will people make the decision if they are not informed? Going by your last advise, why are you shalayeing here, why not also allow people read and make their own decision in peace?

1 Like

fullclub: 11:15pm On Mar 16
Atk1nson:


The guy you are talking is probably already set in his ways.

He has been in the UK for three years, does not have a driving license and instead complain failure rate is too high so people should avoid it.

oga take a chill. In my previous thread i highlighted driving licence and importance of owning a car. This is my second year.am on practical aspects of driving
Was only explaining that its not something u wake up to get. Its a process unlike Nigeria
Already got a provisional licence

Dont have high blood pressure. U can create ur thread and explain ur experience. This is mine

11 Likes 1 Share

chrisifeanyi: 11:16pm On Mar 16
fullclub:


Calm down again.. Once u got kids one cant work full time only one can

What if one of the kids is up to 10?
SocialJustice: 11:17pm On Mar 16
fullclub:


Calm down again.. Once u got kids one cant work full time only one can
I'm calm, no mind my writing style. It portrays me wrongly.

Give yourself 5 years, you won't ever regret leaving Nigeria. Only the constant power, security and cheap Internet is an instant winner for me. I see people returning from or going to work 4am. That country is too sweet.

5 Likes

martineverest(m): 11:17pm On Mar 16
fullclub:

Na na unless u are in a student accommodation. Once u are in a family house that's it house rent, heater, water u take care of it. If anyone claims otherwise let them bring their bills online and proves
but both husband and wife are working na... The burden becomes less
chrisifeanyi: 11:17pm On Mar 16
fullclub:
oga take a chill. In my previous thread i highlighted driving licence and importance of owning a car. This is my second year.am on practical aspects of driving
Was only explaining that its not something u wake up to get. Its a process unlike Nigeria


Dont have high blood pressure. U can create ur thread and explain ur experience. This is mine

Were you not driving before in Nigeria?
If you were it won't take time for you to the test there
fullclub: 11:18pm On Mar 16
chrisifeanyi:


What if one of the kids is up to 10?

Mine is 5 years and 3years. The law prohibit u from leaving ur kids. Else neighbours will report u then they could take ue kids from u and risk losing the kids
ELKHALIFAISIS(m): 11:20pm On Mar 16
When people talk about this japa do they think nah only Europe and America be the Japa.. there are so many countries out there as a single guy you can Japa and make millions, it must not be Europe or America.. go somewhere where there's limitless working time where you can work work and get tire... Someone working in Taiwan, South Korea and Japan earns more than person wey dey Europe.. forget about the luxury and Freedom to party up and down , after all no be owambe carry you commot from Nigeria... As lazy as you are, you can make 2600 USD in any of these countries, most of them their tax are very low there are ppl who lives there without papers and they still survive , nobody is chasing you around for papers unless you have some criminal case.... Japa no be for Europe.. and believe me if you give me 50m say make I return to Nigeria believe me I no dey return , my net annual after expenses nah 30m why should I go back to that sick country for 50m

4 Likes

SIRTee15: 11:21pm On Mar 16
Gerrard59:

Yes, the "doing it for my children" is absolute nonsense unless the person gets a good job in the abroad. The only country I can accept such is the US and maybe Canada due to its proximity. Elsewhere, the chances aren't that good. UK even try sef. Countries like Spain, Northern Europe and elsewhere are dead ends for second-generation black people. Look at ? Apart from Tidjane Thiam, I am to yet to read about any stellar black person who went through the system compared to the US. Another unfortunate one is Belgium!

Anything aside scholarship or getting directly employed or transferred by an organisation in Nigeria to the branch in the abroad is nonsense. Covenant University is there, ditto good universities in South Africa.

No matter what people say about UK, this is an area I will give it kudos.
The opportunity is open and accessible for future generations be it black, Indian or white and it's the same.
I've met British Nigerians in high top level jobs like gold exchange, oil trading companies, investment banks etc. tech is even becoming norm for minorities.
Kemi Badenoch was in tech for a long time b4 she went into politics. This was when tech was just new and people rarely understood the opportunity in the sector.
Lots of Nigerians now own up to 5-10 properties including residential, nursing homes, commercial properties. Home care is now becoming a regular turf for our naija people and it's crazily lucrative if U have good management and organisational skills.

Look out for british Indians in the future, they will be the ones running that country. They now have their own rich elite neighbourhood.
Europe is a different ball game entirely. Quality of life may be better than UK but they just want U to stay at home and be having kids while they pay U or U working some semi- skilled Job with average pay.

That's why most times, blacks in Europe end up moving to UK.

It's just a pity UK had been mismanaged by recent shortsighted politicians, careless mass immigration, bad policies, impact of unrestricted globalization, and Brexit.

That country offers great opportunity. Unfortunately, it's on its way to become the next 1st world country to become 2nd world.
UK is a case of what useless politicians cannot destroy doesn't exist.
Canada is next on the block unless they retrace their downward self destructive movement.

5 Likes 1 Share

fullclub: 11:21pm On Mar 16
chrisifeanyi:


Were you not driving before in Nigeria?
If you were it won't take time for you to the test there
i was but once u exceed 1 year u can't make use of it. Am over 1 year
ahmedio2017(m): 11:22pm On Mar 16
Atk1nson:


The guy you are talking is probably already set in his ways.

He has been in the UK for three years, does not have a driving licence and instead complains failure rate is too high so people should avoid it.

He has been doing minimum wage job since he arrive and will rather complain rather than ask for guidiance


What is the guidelines and way forward please boss
fullclub: 11:29pm On Mar 16
SocialJustice:
I'm calm, no mind my writing style. It portrays me wrongly.

Give yourself 5 years, you won't ever regret leaving Nigeria. Only the constant power, security and cheap Internet is an instant winner for me. I see people returning from or going to work 4am. That country is too sweet.

No i didn't say i regret i was only responding to what Dele Momodu said and what infuriated me was when egungun of Lagos was interviewing a lady and asked her if she was given 50m and japa which she will chose . She bluntly say japa that 50m has no value and the comment got me upset people saying even 100m they will japa

While in reality those who spent over 10 to 20 years are still paying mortgage in reality

3 Likes

Greydebz(f): 11:31pm On Mar 16
I will still pick japa any time any day, than staying in Nigeria. Hopefully, I pray I get a fully funded masters scholarship to my dream country.

1 Like

Atk1nson(m): 11:36pm On Mar 16
ahmedio2017:



What is the guidelines and way forward please boss

Meet and network with other immigrants who have broken through and are progressing in your target area. Good thing, there are many successful immigrants. Never relent on this. This country is highly information driven.
Murketeer: 11:37pm On Mar 16
Treadway:
fullclub!

I you very well..I engaging with your earlier thread, and wishing you the best through your ordeal at the time.

But I can't understand why you are yet again creating a thread like this one, that achieves nothing, ultimately.

I'm sure if we could turn back time, to go back to where you were mentally when you began your journey to Japa, 10001 of these kain threads would not have deterred you. So I just wonder what you hope to achieve with it now. Even Dele Momodu wey dey cap, prolly spends more than half of the year overseas.

These kain decisions should be left to each person to make and deal with. No need for convincing or explaining. It is pointless! I don taya to dey read this kain threads for here aswear


Those that think it best to stay in Naija should be left alone, as they have the conviction that they know what they are doing. Those that think is best to Japa should be left alone, as they also have the conviction that they know what they are doing...

All this shalaye is not necessary


Don’t mind him … if you can survive in Nigeria … then why can’t you survive in the UK?
ArcFresky(m): 11:39pm On Mar 16
Gerrard59:

Those with the right skills will get higher paying jobs. Just be prepared for the fierce competition.

Right skill or not,
The first rule is take UK citizen over immigrants.
2. If you decide to take immigrant, you will be charged £2000 per immigrant.
Omalicious1: 11:39pm On Mar 16
fullclub:
The debate around relocating abroad (“Japa”) has intensified after media personality Dele Momodu claimed that anyone who spends ₦30 million to leave Nigeria is a fool. His statement sparked mixed reactions online, with some agreeing while others says that that 30 million is nothing compared to the financial reward that comes with japa

Having lived in the UK for some time now, I’ll share an honest perspective on the financial reality of life here, especially for those considering selling anything just for relocation.

Breaking Down Earnings in the UK

For context, I work an average of 36 hours per week (9 hours daily for 4 days), meaning in a month, I clock 144 hours of work.

Minimum wage in the UK is £11.44 per hour, and most employers are required to pay this, except in cases like apprenticeships.
144 hours × £11.44 = £1,647.36 per month
After tax deductions, which depend on factors like number of jobs and tax codes, my take-home pay is around £1,479.55.


Monthly Expenses in the UK
Here’s a breakdown of my fixed monthly costs:

House rent – £700
Gas & electricity – £120
Council tax – £110
Water bill – £43.46
Food – £200
Transport – £140
Phone bill – £52 (for two people

Total expenses: £1,365.46
Remaining balance: £114.09
Although i could have chosen to work up to 5 days which would have given me total income of 2059 and 1775 after tax but to give my partner a chance while i take turn to look after the kids

Note: food is extremely cheap and affordable unlike in Nigeria. That's why most that relocated after few months they look revived and fresh grin

Now, factor in additional responsibilities. We send £150 monthly to family back home in Nigeria. My wife, who works part-time (two days per week because of our baby as leaving the children will risk losing them to the governmen), earns about £732 per month, which we try to save, though unforeseen expenses (baby food, transport, etc.) often reduce our savings to around £500 per month.
Aside this we spent over 4000 pounds this year alone for health insurance. Yes its a must you pay it and funny enough i have not visited the hospital once since i arrived.

More worrisome is the endless billing from home , the billing from friends and extended family is out of this world, from your pastor who want tithe in pounds and thinks it's because of his or her prayer u went out, to your siblings, to your inlaws, to secondary schools friends, university's friends to even your street guys to Facebook friends. Those who will quickly open Opay for their 3 years old child and forward you school fees or birthday bill. What about those who forwarded us their house rent bill to help clear their rent of over 500k embarassed abeg na

A lot of Nigeria said if they are offered 50 million and japa, they will prefer japa as they will earn more over when i read this comment on Facebook i just laugh hard as this is not the case as a research said that over 39% of UK residents have a minimum of 1000 pounds as savings this means that Despite earning in pounds, many struggle with high living costs, taxes, and bills but on the other hand In Nigeria, ₦50M can fund investments that generate steady income.
In the UK, unless you’re in a high-paying field, you will mostly live paycheck to paycheck


Comparing Life as a Single vs. Married Individual Abroad


Single individuals have a higher chance of saving since they have fewer responsibilities.

Married couples without kids can maximize their earnings by both working full-time while covering expenses from one salary and saving entirely the other salary.

Families with children face higher expenses, including childcare, health insurance, visa fees.

This is why adequate preparation is crucial before relocating, especially for families


Is Dele Momodu Right? Should You Japa with ₦30M?
We should understand that Dele Momodu is an elder and vastly traveled and he knows what is obtainable in Europe and America.
His point is valid if you look at finances alone because at the ene of the day almost all you make goes back to the system. But If insecurity concerns and food inflation in Nigeria didn’t exist, staying back with ₦30M would be a better financial decision as you could expand your business.

Another thought is the issue of owning a house. An average 3 bedroom house cost over 300k pounds and i have worked with colleagues who are in their late 50s struggling to work and pay off their mortgage so as to be free while me in my 30s own over 3 house back in Nigeria . Some pays mortgage for over 35 to 40 years but shockingly most they end up selling it at old age hand over this money to care homes to take care of them till death. Note children dont have any responsibility of taking care of their age parents they leave their lives while the parents uses proceed from their house to offset this bill

Final Thoughts: Should You Japa?

Japa is not a one-size-fits-all decision. If you have ₦30M and solid income streams in Nigeria, it might be wiser to invest and build wealth at home. But if safety and quality of life matter more, than wealth accumulation then relocating might still be the best option but must be done tactically especially when coming on student visa as one academic error could throw u off.

Bottom line: Japa is not a magic solution—it requires careful planning, a realistic mindset, and financial discipline.

Picture below is my phone bill

There other bills i chose to ignore like the tv bill. I didn't buy tv because i know that one will end in another billing

Indeed, anyone with N30m in his or her and wants to japa, shouldn't say that is because Nigeria is bad that's why...with such money in your , u could start a lucrative business in nigeria and make good profit...the grass isn't always greener as we think it is...after reading Lord Lugard's book...the man really understood how an average Nigerian behaves...we are still in modern day colonialism

4 Likes 1 Share

SIRTee15: 11:40pm On Mar 16
fullclub:


Even with receipts i showed grin oya suggest your owb bill
Even my house rent of 700 is the cheapest as its a tiny space.

A friend in London pays 1800 for same type of 2 bedroom. We do same type of job.. Only he works more hours

Guy e calming down and listen to what people are telling U.
UK is not only London.
There are plenty places where house rent is around 800 pounds per month for a good 3 bedroom house.

Saying an average 3 bedroom goes for 300k is strange.
That's the price for a new property in solid upper middle class estate in most midland and Yorkshire. U can get a 6-10 yr old house for 180k in most cities in UK.
U need to be asking the right question and be open minded. UK is not for the weak but if U understand the system well, U will take a good chunk out of it.

Finally if U agree with Dele Momodu, simply work your ass for 15, 000 pounds which is 30 million and come back to Nigeria.
If U are saving 500 pounds per month, U should do it within 3 yrs. Take 30 million and relocate back to Nigeria, simple.

And stop sending money home if U think U don't have enough. Save towards your 30 million and quick relocation. Trust me Nigerians at home will be fine.

All these money U send them is just jara. They will survive without it.

4 Likes 2 Shares

ClearFlair: 11:45pm On Mar 16
fullclub:
The debate around relocating abroad (“Japa”) has intensified after media personality Dele Momodu claimed that anyone who spends ₦30 million to leave Nigeria is a fool. His statement sparked mixed reactions online, with some agreeing while others says that that 30 million is nothing compared to the financial reward that comes with japa

Having lived in the UK for some time now, I’ll share an honest perspective on the financial reality of life here, especially for those considering selling anything just for relocation.

Breaking Down Earnings in the UK

For context, I work an average of 36 hours per week (9 hours daily for 4 days), meaning in a month, I clock 144 hours of work.

Minimum wage in the UK is £11.44 per hour, and most employers are required to pay this, except in cases like apprenticeships.
144 hours × £11.44 = £1,647.36 per month
After tax deductions, which depend on factors like number of jobs and tax codes, my take-home pay is around £1,479.55.


Monthly Expenses in the UK
Here’s a breakdown of my fixed monthly costs:

House rent – £700
Gas & electricity – £120
Council tax – £110
Water bill – £43.46
Food – £200
Transport – £140
Phone bill – £52 (for two people

Total expenses: £1,365.46
Remaining balance: £114.09
Although i could have chosen to work up to 5 days which would have given me total income of 2059 and 1775 after tax but to give my partner a chance while i take turn to look after the kids

Note: food is extremely cheap and affordable unlike in Nigeria. That's why most that relocated after few months they look revived and fresh grin

Now, factor in additional responsibilities. We send £150 monthly to family back home in Nigeria. My wife, who works part-time (two days per week because of our baby as leaving the children will risk losing them to the governmen), earns about £732 per month, which we try to save, though unforeseen expenses (baby food, transport, etc.) often reduce our savings to around £500 per month.
Aside this we spent over 4000 pounds this year alone for health insurance. Yes its a must you pay it and funny enough i have not visited the hospital once since i arrived.

More worrisome is the endless billing from home , the billing from friends and extended family is out of this world, from your pastor who want tithe in pounds and thinks it's because of his or her prayer u went out, to your siblings, to your inlaws, to secondary schools friends, university's friends to even your street guys to Facebook friends. Those who will quickly open Opay for their 3 years old child and forward you school fees or birthday bill. What about those who forwarded us their house rent bill to help clear their rent of over 500k embarassed abeg na

A lot of Nigeria said if they are offered 50 million and japa, they will prefer japa as they will earn more over when i read this comment on Facebook i just laugh hard as this is not the case as a research said that over 39% of UK residents have a minimum of 1000 pounds as savings this means that Despite earning in pounds, many struggle with high living costs, taxes, and bills but on the other hand In Nigeria, ₦50M can fund investments that generate steady income.
In the UK, unless you’re in a high-paying field, you will mostly live paycheck to paycheck


Comparing Life as a Single vs. Married Individual Abroad


Single individuals have a higher chance of saving since they have fewer responsibilities.

Married couples without kids can maximize their earnings by both working full-time while covering expenses from one salary and saving entirely the other salary.

Families with children face higher expenses, including childcare, health insurance, visa fees.

This is why adequate preparation is crucial before relocating, especially for families


Is Dele Momodu Right? Should You Japa with ₦30M?
We should understand that Dele Momodu is an elder and vastly traveled and he knows what is obtainable in Europe and America.
His point is valid if you look at finances alone because at the ene of the day almost all you make goes back to the system. But If insecurity concerns and food inflation in Nigeria didn’t exist, staying back with ₦30M would be a better financial decision as you could expand your business.

Another thought is the issue of owning a house. An average 3 bedroom house cost over 300k pounds and i have worked with colleagues who are in their late 50s struggling to work and pay off their mortgage so as to be free while me in my 30s own over 3 house back in Nigeria . Some pays mortgage for over 35 to 40 years but shockingly most they end up selling it at old age hand over this money to care homes to take care of them till death. Note children dont have any responsibility of taking care of their age parents they leave their lives while the parents uses proceed from their house to offset this bill

Final Thoughts: Should You Japa?

Japa is not a one-size-fits-all decision. If you have ₦30M and solid income streams in Nigeria, it might be wiser to invest and build wealth at home. But if safety and quality of life matter more, than wealth accumulation then relocating might still be the best option but must be done tactically especially when coming on student visa as one academic error could throw u off.

Bottom line: Japa is not a magic solution—it requires careful planning, a realistic mindset, and financial discipline.

Picture below is my phone bill

There other bills i chose to ignore like the tv bill. I didn't buy tv because i know that one will end in another billing


Nobody's kidnapping you there. Where there's life there's hope.
SIRTee15: 11:46pm On Mar 16
Omalicious1:


Indeed, anyone with N30m in his or her and wants to japa, shouldn't say that is because Nigeria is bad that's why...with such money in your , u could start a lucrative business in nigeria and make good profit...the grass isn't always greener as we think it is...after reading Lord Lugard's book...the man really understood how an average Nigerian behaves...we are still in modern day colonialism

Forget it. None of these japarians have 30 million swimming in their bank s.
They raise that money when they need to relocate by selling their cars, land or house or borrow from friends/families.
I repeat nobody has 40 million lying in one bank and then decide to waste it on relocation.
U guys don't even know what 40 million is. Only politicians and yahoo/shady dealers have such amount in their .

99% of genuine hustlers do not even have 50 million lying dormant in one just like that. They know what to do with the money if they have one.

2 Likes

OlawaleBammie: 11:55pm On Mar 16
tensazangetsu20:
Skill issue bros. This one is only peculiar to you o😂😂
He has said everything Chileman. U don't have to systematically make ur hatred for ur country of birth known. He never said u should not jakpa
SIRKAY98(m): 11:58pm On Mar 16
Serious o
OlawaleBammie: 12:01am On Mar 17
004gist:


You easily insult people. Opp made his submission backed it with receipt.
Did he says he is jobless? At least he is working n footing his bill. Does it mean he will be there forever. Its a progress.

Please learn to talk in public space.

For your information qualified nurses earn 2k in uk that's before taxes. Care workers earn a anywhere from 12 pounds to 14 pounds per hour.

That guy u re quoting is like that, u can only be in his good book when u talk bad about Nigeria and u talk well about Cyprus or Afghanistan.


He's currently in Chile dragging underground room with the escobars.

Everybody dey jkapa to UK, , Australia, Canada, USA and the like, the weyrey use desperation jakpa go chile grin

He said him na web developer, I wonder if he's coding in latin or spanish cheesy

7 Likes 2 Shares

Ofadaman(m): 12:01am On Mar 17
Everyone says its hard over there but they refuse to return to Nigeria where it is easier lol.

Again, not everything is financial , some.quality of life, good education , better Healthcare for the kids is also a major plus.

Let no one decieve you, it is 3x better to be outside than in Nigeria

1 Like

Pennyseo2: 12:03am On Mar 17
OlawaleBammie:
He has said everything Chileman. U don't have to systematically make ur hatred for ur country of birth known. He never said u should not jakpa

Dont mind that chile man.

The only guy who went to Chile n got a central bank job with two months.

1 Like

spear007(m): 12:09am On Mar 17
If the poster is a married man, then something isn't adding up.
You gave us a breakdown of your earnings and expenses without including that of your spouse spouse's income.
OlawaleBammie: 12:19am On Mar 17
guysbewise:


It is peppering you that not everyone here is gullible to fall for your Chili sauce lies from Chile of how things are so easy in Chile for international students whose close relatives are not very rich to be sending money to them in Chile.

There are many of us that have japa and have good jobs in developed countries so you can not come here with your Chili sauce lies from Chile to deceive us.

How did you get a job in a Chile bank with no background check as you have not been in Chile for up to five years and this is a financial regulatory requirement in developed countries and how are you driving in Chile without driving lessons, driving test and a driving license in Chile? As you are an international student in Chile.



You see that guy... tensazangetsu20

He's a menace, one thing I noticed about the guy before he use desperation go chile be say, He's a type if person that want to use his success to rub others in the face but doesn't want others to succeed. How did I know this.

Around 2021 or so, I learnt that the guy is into tech from his numerous post, one time he even boasted about making 1.5m naira in a month them and he's always quick to say all these to the public. But ask him to put u tru in any tech related issue they weyrey will ignore you just the way Github use to ignore any file in .gitignore folder. Even if he want to answer you. U will be ed with his submission cus he would answer as if he was forced.

As u re looking at him so, he's always angry whenever a Nigeria resident say he or she is better off in Nigeria. He can abuse u cus of that, as if he gave u money to arrange for document and u squandered it grin

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