Tobi Ajayi

Your 20s are the years to explore, learn, make mistakes, and grow. It's the stage where you build yourself, your discipline, your mindset, and your character.

The discipline and mentality you develop in your 20s will determine how well you navigate life in your 30s and beyond.

One mistake many young Nigerians make is trying to live a lifestyle they haven't yet earned. Some want to live in high end locations, drive expensive cars, and impress people, even if it means spending almost everything they make.

There's nothing wrong with aiming high, but don't let appearances rob you of your future.

Your 20s are not just for looking successful, they're for becoming successful.

Invest in knowledge, build valuable skills, save, invest wisely, develop self control, delay some pleasures if you have to.

The sacrifices you make in your 20s often become the comfort you enjoy in your 30s, 40s, and beyond.

Religion is one of the main reasons some people are afraid to die.

Many Nigerians move to Lagos because it has a high concentration of jobs, businesses, ports, and economic opportunities. If other states developed similar opportunities through broader reforms, many people would choose to live and work closer to their home states instead of relocating to Lagos. As a result of this, Lagos population pressure will reduce drastically.

If you can comfortably afford to pay ₦2M in annual rent but choose an apartment that's well below that budget, you're on the right path to financial stability.

Over time, that discipline can help you buy land, start building a house, or grow a business.

For those of you saying you don't want to buy land in underdeveloped locations, if you come across a plot of land in a decent neighborhood selling for ₦20 million, how many years would it take your current salary to afford it?

The way the brain works, it tends to remember negative experiences more than positive ones.

That's why someone can hear about one person who lost money after buying land and conclude that buying land is a scam, forgetting that there are many others who bought land, secured it properly, and today own valuable properties without any issues.

Our brains naturally give more attention to bad experiences because they're trying to protect us from future mistakes.

The lesson isn't to let one negative story stop you. It's to learn from it, do your due diligence, and make informed decisions.

For any Real Estate consultation, reach out to me 🤝🏾

I recently met someone who told me about a sad incident that happened to his mum about four years ago.

She bought a piece of land from a real estate company in early 2021, but in September 2022, she received one of the most shocking pieces of news of her life.

The land she had paid for outright was later discovered to be under government acquisition.

In other words, the land had already been committed to the state government.

It could no longer serve the purpose for which she bought it, and if she had gone ahead to build on it, government could reclaim the land at any time.

Apparently, the real estate company who sold her this land had managed to miss out on an extremely important detail in the documentation of this property before selling the land to her.

That single oversight ended up costing her and a few of her colleagues who also bought into the scheme a combined loss of about ₦17M.

The painful part is that the entire situation could have been avoided if they had understood the different land titles, verified the land's status independently, and knew the implications of the documents attached to the property.

This is why I always tell people, even if you're buying land from a registered real estate company, don't rely solely on what you're told. Carry out your own due diligence and verify the status of the land yourself.

When it comes to buying land, "dem say, dem say" can be a very expensive mistake.

For any Real Estate consultation, reach out to me 🤝🏾

Don't let your rent consume so much of your income that you struggle to meet other important financial responsibilities. You didn't come into this world just to pay rent.

As a man, if you earn ₦400K per month and you have a wife and two children, and you want to live a decent and financially stable life, don't live in an apartment where you pay more than ₦400K per year in rent.