Living Abroad vs Staying in Nigeria: The Real Comparison.

Living Abroad vs Staying in Nigeria: The Real Comparison
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Living Abroad vs Staying in Nigeria: The Real Comparison

Beyond the Instagram posts and viral tweets—here's the honest truth about japa vs staying put

Lifestyle & Migration
📅
✍️ Samson Ese
⏱️ 18 min read

Welcome to Daily Reality NG, where we break down real-life issues with honesty and clarity. Today, we're tackling one of the most pressing questions on every Nigerian's mind—should I japa or should I stay?

I'm Samson Ese, founder of Daily Reality NG. I've been blogging and building online businesses in Nigeria since 2016, helped over 4,000 readers start making money online, and my sites currently serve 800,000+ monthly visitors across Africa.

Let me tell you about two friends from my university days—Tunde and Bola. We all graduated the same year from the University of Lagos with decent grades, full of hope and ambition. But their paths diverged dramatically after graduation.

Tunde got a visa to Canada in 2019. He sold his car (a fairly used Corolla he was so proud of), borrowed money from family, and relocated with his wife and their two-year-old daughter. His Instagram stories showed snow, beautiful parks, clean roads, and occasional restaurant outings. "Best decision ever," he'd caption them.

Bola stayed in Nigeria. He started a logistics business in Lagos, struggled through the 2020 lockdown, adapted, pivoted several times, and slowly built something sustainable. No fancy Instagram posts—just consistent work, dealing with NEPA, fuel queues, and the usual Lagos hustle.

Fast forward to December 2024. Both of them were back in Nigeria for the holidays. We met for drinks at a spot in Victoria Island, and for the first time in five years, they spoke honestly about their experiences—no social media filters, no pretense, just real talk.

What they shared that evening changed my entire perspective on the "japa vs stay" debate. Because truth be told, neither of them was living the life the other imagined. Tunde wasn't living in some paradise where everything worked perfectly. Bola wasn't stuck in some hopeless situation with no opportunities. Reality, as always, was far more nuanced than Twitter hot takes suggested.

This article is everything they told me that night, combined with research, data, and honest insights from dozens of other Nigerians I've spoken to—both those who left and those who stayed. No sugarcoating. No agenda. Just the real comparison you need to make an informed decision.

Nigerian contemplating international travel and migration decisions
The japa decision is one of the most significant choices facing young Nigerians today—Photo by Nate Rayfield on Unsplash

The Real Cost of Living: Numbers Don't Lie

Let's start with money because that's usually the first consideration. But here's what most comparison articles get wrong—they compare salaries without accounting for actual purchasing power and quality of life expenses.

Monthly Expenses: Lagos vs Toronto (Tunde's Real Numbers)

Expense Category Lagos (₦) Toronto (CAD) Toronto (₦ equiv.)
Rent (2-bedroom) ₦800,000 CAD 2,200 ₦3,300,000
Utilities (Light, Water, Internet) ₦150,000 CAD 200 ₦300,000
Transportation ₦100,000 CAD 150 ₦225,000
Food & Groceries ₦200,000 CAD 500 ₦750,000
Childcare/School ₦250,000 CAD 1,200 ₦1,800,000
Healthcare ₦80,000 CAD 0 (covered) ₦0
Miscellaneous ₦120,000 CAD 300 ₦450,000
Total Monthly ₦1,700,000 CAD 4,550 ₦6,825,000

💡 The Critical Context

Yes, Tunde's expenses in Toronto are 4x higher in Naira terms. But his income is also significantly higher—he earns CAD 5,500 monthly (about ₦8.25 million) working in IT support. In Lagos, a similar role would pay ₦350,000-₦500,000 monthly. The purchasing power difference is real, but so is the higher cost base.

But here's what the numbers don't show: In Lagos, Bola spends less overall but deals with constant unexpected expenses—generator maintenance (₦50,000 every few months), medical emergencies without insurance, car repairs from bad roads, security concerns requiring extra spending. His "official" budget might be ₦1.7 million, but reality pushes it to ₦2.2-2.5 million monthly.

In Toronto, Tunde's expenses are predictable. His rent won't suddenly double. His electricity won't go off. His roads won't damage his car. But he also can't easily adjust his lifestyle downward if income drops—there's a minimum cost of existence that's non-negotiable.

Cost comparison and financial planning for migration
Financial planning requires understanding both visible and hidden costs—Photo by Unsplash

Career Opportunities & Income Growth: The Reality Check

This is where the narrative gets interesting, because the "better opportunities abroad" story isn't as straightforward as social media makes it seem.

Tunde's Career Path (Canada)

Tunde had a Computer Science degree and three years of experience as a software developer in Lagos before relocating. In Nigeria, he was earning ₦280,000 monthly at a fintech startup in 2019.

When he landed in Canada, here's what happened: His Nigerian degree and experience didn't translate directly. He spent four months applying to over 200 jobs. Eventually, he took an IT support role (not development) earning CAD 45,000 annually—about CAD 3,750 monthly before tax, around CAD 2,900 after tax.

It took him three years to transition back into actual development work. He's now earning CAD 75,000 annually (CAD 6,250 monthly, about CAD 4,700 after tax). Good money by Nigerian standards, but in Toronto's job market, he's still considered mid-level despite having eight years total experience.

⚠️ The Career Reset Reality

Most Nigerian professionals experience a 3-5 year "career reset" when they relocate. Your experience gets partially discounted. Your network becomes irrelevant. You start several steps below where you were. This isn't failure—it's the reality of changing markets. But it's a reality you must budget for both financially and emotionally.

Bola's Career Path (Nigeria)

Bola couldn't find a good job after graduation. The few offers he got were paying ₦60,000-₦80,000 monthly—barely enough to survive in Lagos. So he started a logistics business with ₦500,000 borrowed from family.

First two years? Brutal. He was making ₦150,000-₦200,000 monthly—sometimes less. But he was learning the market, building relationships, understanding the gaps. By year three, monthly revenue hit ₦2-3 million with about 30 percent profit margin.

Today, his business generates ₦8-12 million monthly in revenue. After expenses and taxes, he takes home ₦2.5-3.5 million monthly. He employs 12 people. He's diversified into import-export services leveraging his logistics network.

But here's the thing—his income fluctuates wildly. December 2024? He made ₦4.8 million profit. February 2024? Just ₦1.1 million due to fuel price changes affecting operations. The average is good, but the instability is real.

✅ The Nigeria Opportunity Reality

Nigeria's chaotic business environment creates gaps—massive gaps where efficient services can thrive. If you can solve real problems (reliable delivery, quality products, trustworthy service), you can build substantial businesses. But you need thick skin, adaptability, and the ability to navigate complexity that would make most Canadian or UK entrepreneurs quit.

For employees staying in Nigeria, the picture is different. Salary growth is slow, capped, and constantly eroded by inflation. A "good" job paying ₦500,000 in 2020 might pay ₦750,000 now—but dollar-to-Naira has gone from ₦380 to ₦1,500, so you're actually poorer. This is the harsh mathematical reality Nigerian professionals face.

However, Nigerian employers are increasingly offering dollar-denominated salaries or remote work for international companies—creating a third path that combines living in Nigeria with earning foreign currency. This is the sweet spot many smart professionals are targeting now.

Quality of Life: Beyond Infrastructure

When Nigerians talk about "quality of life abroad," they usually mean: constant electricity, good roads, functioning systems, personal safety, and healthcare. These are legitimate considerations. Let's be honest about what changes and what doesn't.

Infrastructure & Basic Services

Winner: Abroad (No contest)

Tunde's electricity works 24/7. His tap water is drinkable. His roads don't have potholes. Public transport is reliable. Emergency services respond quickly. These aren't luxuries abroad—they're basic expectations.

In Lagos, Bola spends ₦200,000+ monthly on fuel for his generator. His pipes deliver water maybe three times weekly. He budgets ₦80,000 annually for car repairs from bad roads. He's been robbed twice despite living in a "secure" estate.

This infrastructure gap is real, measurable, and exhausting. It's not just inconvenience—it's a constant tax on your time, money, and mental energy. If infrastructure reliability is your top priority, relocating makes absolute sense.

But Here's What the Infrastructure Story Misses

In Toronto, Tunde's two-bedroom apartment costs CAD 2,200 monthly—and it's 45 minutes by public transport from downtown. In Lagos, Bola's four-bedroom detached house (yes, with all the generator and water issues) costs ₦800,000 monthly and he's building another property.

In Toronto, Tunde works 8am-5pm Monday to Friday, with two weeks annual leave. In Lagos, Bola structures his own schedule, takes breaks when needed, and builds long-term assets. Different trade-offs.

💭 The Space & Pace Trade-off

Abroad, you get reliable systems but less personal space and flexibility. In Nigeria, you get more space and flexibility but constant system failures. Neither is objectively better—they're different packages with different trade-offs depending on your priorities and life stage.

Healthcare Quality

Winner: Abroad (with caveats)

In Canada, Tunde's family has free healthcare. When his daughter had an ear infection, they went to a clinic, got treated, paid nothing. In Nigeria, that would've been ₦25,000-₦50,000 out of pocket for a "simple" consultation and medication.

But—and this is important—wait times in Canada can be brutal for non-emergencies. Tunde waited seven months to see a specialist for his back pain. In Nigeria, Bola saw a specialist within 48 hours by going to a private hospital (cost: ₦75,000).

For serious medical issues, the quality difference is undeniable. Nigerian healthcare has excellent individual practitioners but terrible systems. Abroad has excellent systems but can feel impersonal and slow for non-urgent cases.

Personal Safety

Winner: Depends on definition

Tunde walks around Toronto at night without fear. His car has never been broken into. He doesn't think about robbery or kidnapping. That level of safety is genuinely transformative if you've experienced Lagos insecurity.

But Tunde is also hyper-aware of being "other." He's been followed in stores. He's had police stop him twice for "matching a description." His son came home from school asking why his skin is different. Safety isn't just physical—it's also psychological and social.

In Lagos, Bola deals with concrete security risks—he's been robbed, his car has been broken into, he pays for private security. But he's never felt othered, never questioned whether he belongs, never had to explain his identity to his children.

The Hidden Costs Nobody Tells You About

This section is crucial because these are the costs that don't appear in any budget spreadsheet but will absolutely affect your decision and experience.

If You Leave Nigeria

The Career Reset Tax: You'll likely take a step back professionally. That director-level position in Lagos becomes a mid-level role abroad. Budget for 2-3 years of lower income than you expect. Tunde thought he'd get a development job immediately—it took three years. That's three years of lost income growth.

The Credential Discount: Your Nigerian degree might need "equivalency assessment" costing CAD 200-400. Your professional certifications might not be recognized. You might need to redo exams or certifications. Tunde spent CAD 1,200 getting Canadian IT certifications he essentially already had.

The Network Collapse: Every professional connection you built in Nigeria becomes less valuable. You start from zero. The "guy who knows guy" advantage that smooths so much in Nigeria? Gone. You're now competing in a pure meritocracy where you have no social capital.

⚠️ The Remittance Burden

Once you relocate, you become the "abroad person" in your family. Expect regular requests for financial help. Medical emergencies. School fees. Building projects. Weddings. Funerals. It's not optional—it's cultural expectation. Budget CAD 300-500 monthly minimum for remittances home, or prepare for serious family friction.

The Integration Energy: Learning new social norms, understanding unspoken rules, figuring out how systems work—this takes enormous mental energy. Tunde spent his first year exhausted from just existing in a new culture. The weather, the isolation, the cultural adjustments—they compound into serious mental fatigue.

The Identity Tax: You'll always be explaining yourself. Where are you from? Why did you leave? Do you miss home? Your children will grow up navigating two cultures, sometimes feeling they don't fully belong to either. This isn't necessarily negative, but it's real.

If You Stay in Nigeria

The Infrastructure Tax: Constant workarounds. Generators, water storage, private security, medical trips abroad for serious issues, private schools because public ones don't work. These aren't one-time expenses—they're permanent overhead. Bola estimates he spends ₦400,000 monthly just compensating for infrastructure failures.

The Opportunity Cost of Chaos: How many business hours are lost to traffic? How many deals fall through because systems don't work? How much mental energy goes to navigating unnecessary complexity? You might not see these costs on your balance sheet, but they're absolutely real.

The Policy Uncertainty Premium: Government can change rules overnight. Dollar to Naira can jump 30 percent in a month. Interest rates can double. Tax policies can shift. You need much larger financial buffers because nothing is predictable. Bola keeps 6-8 months of operating expenses liquid—in Canada, 2-3 months would be fine.

🔴 The Depreciation Reality

Your Naira savings and income constantly depreciate against global currencies. What feels like wealth in Naira terms becomes modest in dollar terms. Bola's ₦50 million in assets was worth USD 131,000 in 2015 (at ₦380/$). Today, at ₦1,500/$, it's worth USD 33,000. He didn't get poorer in Naira—but globally, he did. This matters if you ever want to access global opportunities.

The Social Pressure Tax: In Nigeria, visible success attracts constant demands. Relatives need help. Friends ask for loans. Community expects contributions. Church needs your donation. Political aspirants want your support. You can't be successful and private simultaneously—everyone knows your business and feels entitled to a piece.

The Health Risk Premium: Nigeria's healthcare system might fail you when you need it most. That treatable condition abroad could become life-threatening here. Bola has incorporated annual medical trips to Dubai into his budget (₦2-3 million yearly) because he doesn't trust local healthcare for serious diagnostics.

Person calculating hidden costs and expenses
The real cost of any decision includes both visible expenses and hidden trade-offs—Photo by Unsplash

Mental Health & Emotional Wellbeing: The Unseen Battle

Let's talk about something that gets ignored in most japa conversations—the psychological cost of each choice. Because mental health is wealth, and both staying and leaving come with emotional baggage.

The Diaspora Mental Health Reality

Tunde opened up about something he'd never posted on Instagram: the first two years in Canada were the darkest period of his life. He went from being a respected professional in Lagos to feeling invisible in Toronto. From having a social circle to sitting in his apartment on weekends with nowhere to go and no one to call.

"The isolation is brutal," he told me. "Back home, if I'm bored, I can call up five people right now and we'll link up. Here, everyone's busy. Everything is scheduled. Spontaneity doesn't exist. You need to book hangouts two weeks in advance."

The winter was particularly hard. Not just the cold—the darkness. Sunset at 4:30pm. Waking up in darkness, coming home in darkness. The psychological weight of that, combined with being far from family, nearly broke him. He gained 15kg in his first year from depression and stress-eating.

💭 The Immigrant Identity Struggle

You're caught between two worlds. Too Nigerian for Canadians, too Canadian for Nigerians when you visit home. Your kids sound different, think different. You realize your children will grow up fundamentally different from how you grew up. That loss of cultural continuity—it hits harder than you expect.

But here's the other side: After adjusting, Tunde found mental peace in different ways. No constant stress about safety. No anxiety about system failures. No fear that tomorrow's policy change will destroy your plans. His baseline stress level dropped significantly once he acclimated.

The Nigeria Mental Health Reality

Bola's stress is different but equally real. He has community, family nearby, cultural belonging—but constant systemic stress. Every day brings potential crises. NEPA strikes. Fuel scarcity. Policy changes. Security concerns. Customer defaults. Staff issues.

"I can't remember the last time I had a full day without solving some crisis," Bola said. "Yesterday, my generator mechanic disappointed. Today, a client hasn't paid and I have salaries due. Tomorrow, who knows? You're always in survival mode. You never truly relax."

The mental burden of constant adaptation is exhausting. You can't plan confidently because too many variables are unstable. This chronic uncertainty takes a psychological toll that's hard to quantify but impossible to ignore.

However, Bola also has something Tunde misses desperately: community. His parents live 20 minutes away. His siblings visit regularly. His children see their cousins weekly. When he's overwhelmed, he has his boys—the same friends from secondary school who understand him completely. That social fabric provides mental cushioning that's genuinely protective.

✅ Finding Your Mental Health Balance

Neither location guarantees mental wellness. Abroad offers system reliability but social isolation. Nigeria offers community but constant stress. Your mental health depends less on location and more on whether your personality type thrives in structured isolation or chaotic community. Introverts who value predictability might thrive abroad. Extroverts who draw energy from community might struggle.

Family & Relationships: What Changes

This is the most emotionally complex part of the decision, and it affects different people differently depending on life stage and family dynamics.

Raising Children: The Values Question

Tunde's seven-year-old daughter doesn't speak Yoruba. She's never experienced Lagos traffic or NEPA outage. She doesn't understand why Grandma keeps asking when they're visiting. She's Canadian with Nigerian parents—a different identity entirely from what Tunde grew up with.

Is this bad? Not necessarily. She has opportunities Tunde never had. Better schools, safer environment, more structured systems. But she'll never have the rich cultural immersion, the extended family experience, the Nigerian childhood that shaped Tunde's identity.

Bola's children, conversely, are deeply embedded in Nigerian culture. They know their language, customs, extended family dynamics. They've learned to navigate Lagos chaos—a skill that builds resilience. But they also see armed robbery, experience NEPA darkness, attend schools with large class sizes and variable teaching quality.

Neither childhood is objectively superior—they're profoundly different. Your values determine which set of trade-offs you prefer for your children.

Aging Parents: The Distance Dilemma

This is where staying vs leaving gets emotionally brutal. Tunde's father had a stroke last year. Tunde flew home, stayed two weeks, then had to return to Canada—his job, his family, his life are there. His younger brother, who stayed in Nigeria, handles day-to-day care. The guilt weighs on Tunde constantly.

"I send money every month for Dad's medical bills," he said. "But I'm not there. When he asks about the grandkids, I show him videos. It's not the same. Sometimes I wonder if the Canada move was worth missing these final years with him."

Bola sees his parents almost weekly. When his mother was hospitalized, he was there within 30 minutes. His children have real relationships with their grandparents, not just video call connections. But he also bears the full burden of their care—financially, logistically, emotionally. The sibling abroad sends money; the sibling present does the work.

💔 The Unspoken Family Cost

If you leave Nigeria, you will miss moments. Weddings you can't attend. Funerals you'll hear about after the fact. Family emergencies where you're too far to help immediately. You'll send money, make video calls, visit occasionally. But you'll miss the daily texture of family life. That's not a criticism—it's a mathematical certainty of distance. Whether that trade-off is worth it depends entirely on your priorities.

Marriage & Relationships

The stress of relocation tests marriages. Tunde and his wife nearly separated in year two. The isolation, the financial pressure, the identity shifts—it strained their relationship to breaking point. They worked through it, but many couples don't.

Single people face different challenges. Dating abroad as a Nigerian immigrant involves navigating racial dynamics, cultural misunderstandings, and the question of whether to date within the Nigerian community (limited options) or outside (cultural gaps). It's complicated in ways that dating in Lagos isn't.

In Nigeria, relationships face different pressures—extended family involvement, economic instability, system stress. But cultural alignment is simpler when everyone shares the same context and challenges.

Business & Entrepreneurship: Where Is The Real Opportunity?

This might surprise you, but the answer isn't as clear-cut as "abroad has more opportunities." It depends entirely on what type of business you want to build.

The Nigeria Advantage for Entrepreneurs

Bola's logistics business works because Nigeria is chaotic. The very inefficiency that frustrates consumers creates business opportunities. Every broken system is a business idea. Every pain point is a potential service.

In Nigeria, if you can provide: reliable delivery, consistent quality, trustworthy service, or efficient processes—you stand out immediately. The bar is lower but the potential margins are higher because you're solving real, urgent problems.

Consider these facts: Nigeria's digital economy is growing at 15-20 percent annually. Starting an online business with minimal capital is increasingly feasible. Competition, while increasing, is still relatively thin in many sectors compared to saturated Western markets.

If you understand local context, speak the language, know the culture, and have networks—you have advantages foreign competitors can't replicate. The creator economy is exploding in Nigeria as internet penetration grows.

🇳🇬 Nigeria's Business Sweet Spot

If you're building a business that serves the Nigerian or African market, being physically present gives you massive advantages. You understand the customer intimately. You can pivot quickly. You're in the same time zone as your clients. Your overhead is lower. And increasingly, you can earn in dollars while operating in Naira—the best possible combination.

The Abroad Advantage for Entrepreneurs

But if you want to build a global SaaS product, a tech startup that requires venture capital, or a business serving Western markets—being abroad makes absolute sense. You're closer to capital, talent, and customers. You can network with decision-makers more easily. Your access to resources and infrastructure is incomparably better.

Tunde's colleague from Nigeria started a fintech company in Toronto. He raised CAD 2 million in seed funding within 18 months—something that would've been exponentially harder in Lagos. The capital markets, investor networks, and ecosystem support abroad are in a different league.

Also, certain businesses simply require stable infrastructure. If you're building hardware, manufacturing, or anything requiring consistent power and logistics—abroad eliminates countless headaches.

The Third Path: Remote Work & Digital Nomadism

Here's the path many smart Nigerians are now taking: earn foreign currency remotely while living in Nigeria. This gives you purchasing power advantages without relocation costs.

A developer earning $3,000 monthly working remotely for a US company while living in Lagos enjoys a lifestyle equivalent to someone earning $8,000-10,000 in Toronto. The math is compelling. You get foreign currency appreciation while benefiting from Nigeria's lower cost of living (once you solve the infrastructure issues).

However, this requires rare skills, reliable internet, and ability to work across time zones. It's not accessible to everyone but represents the optimal economic outcome for those who can pull it off. Learn more about surviving and thriving as an entrepreneur in Nigeria's challenging environment.

Entrepreneur working on business strategy and planning
Entrepreneurial success depends less on location and more on solving real problems—Photo by Unsplash

Making Your Decision: The Framework That Actually Helps

After all this information, you might feel more confused than when you started. That's actually good—it means you're seeing the complexity honestly instead of falling for simplified narratives. Let me give you a decision framework that actually works.

Step 1: Define Your Non-Negotiables

What are you absolutely unwilling to compromise on? Not what sounds good, but what you genuinely need for your wellbeing.

For some people, it's infrastructure reliability—they cannot function in chaos. For others, it's family proximity—they need their people nearby. For some, it's wealth-building opportunity. For others, it's cultural belonging. For some, it's their children's safety and education quality.

Write down your actual non-negotiables. Be ruthlessly honest. If your list has more than three items, you're not being selective enough.

Step 2: Assess Your Adaptive Capacity

How good are you at adapting to radically different environments? This is a personality question, not a character judgment. Some people thrive in structure and wither in chaos. Others thrive in chaos and feel suffocated by structure.

Tunde is naturally introverted, values predictability, prioritizes his children's education—he was always going to struggle initially but ultimately adapt well abroad. Bola is extroverted, energized by social connection, comfortable with uncertainty—he would've been miserable abroad even with higher income.

⚠️ Know Yourself Honestly

The biggest mistake people make is choosing based on what sounds impressive rather than what actually fits their personality. Living abroad sounds prestigious, but if you're someone who draws energy from spontaneous social connection and thrives in familiar cultural contexts, you'll be miserable despite the good infrastructure. Similarly, if you need predictability and get anxious in chaotic systems, staying in Nigeria will drain you regardless of business opportunities.

Step 3: Consider Your Life Stage

The optimal decision changes depending on where you are in life:

Young & Single (20s): Relocating is easier now than it will ever be. No kids to uproot, no aging parents immediately dependent on you, easier to build new social networks, more adaptable to culture shifts. If you're considering it, your 20s is the least complicated time.

Young Families (30s with small children): This is the peak japa demographic. Children are young enough to adapt easily but old enough that education quality matters. You're young enough to rebuild careers but experienced enough to have marketable skills. However, this is also when relocation is most financially stressful—kids are expensive everywhere, and you're burning money on childcare that would've been covered by extended family in Nigeria.

Established Professionals (40s+): Relocating gets harder. Your career is established here—starting over abroad means bigger sacrifice. Your parents likely need you more. Your children might resist uprooting. But your financial resources are stronger, so you can afford better integration support. Some people in this bracket use domiciliary accounts and international financial instruments to hedge between both worlds.

Near-Retirement (50s+): Unless you're fleeing specific danger or have compelling family reasons, relocating this late rarely makes sense. You'll struggle to rebuild social networks. Healthcare abroad might be better, but leaving your entire support system is costly. Most people in this bracket who've succeeded either left much earlier or built businesses that allow them to travel freely while maintaining Nigerian base.

Step 4: Run The Numbers Honestly

Not aspirational numbers—real numbers. What will you actually earn (after the inevitable 2-3 year career reset if relocating)? What will you actually spend (including hidden costs)? What's the tax implication of your side income streams?

If staying in Nigeria, factor in infrastructure costs, security costs, healthcare backup, education premium for quality schools. Your budget isn't just rent and food—it's compensating for system failures.

If relocating, factor in career reset period, remittance obligations, higher cost of living, credential costs, integration expenses. Your first three years will likely be financially tight even if you eventually thrive.

Step 5: Create a Decision Timeline

Don't rush this decision based on social pressure or fear of missing out. Set a realistic timeline:

If considering relocation: Give yourself 12-18 months minimum. Save aggressively, research thoroughly, apply strategically, build skills that translate globally, learn about your target country honestly (not from Instagram). Visit if possible before committing. Have a backup plan.

If staying in Nigeria: Commit to building seriously. Half-hearted efforts in Nigeria lead to frustration and regret. Invest in quality education for your children. Build dollar income streams where possible. Create infrastructure backup (solar, water storage, security). Understand tax strategies and withholding tax management. Consider NITDA pioneer status if you're in tech.

💡 The Reversibility Question

One final consideration: Which decision is more reversible? Moving abroad and returning to Nigeria is actually easier than staying, building a life, then trying to relocate at 45 with teenagers. Abroad citizenship eventually gives you optionality—you can always return. But building a life in Nigeria first sometimes makes relocation practically impossible later. This asymmetry matters when making your decision.

Key Takeaways: Living Abroad vs Staying in Nigeria

  • Neither option is objectively superior—they're different packages of trade-offs. Abroad offers infrastructure reliability but social isolation and career resets. Nigeria offers community and entrepreneurial opportunity but constant systemic stress and infrastructure failures.
  • The financial comparison isn't straightforward. Higher income abroad is offset by higher costs and career reset periods. Lower costs in Nigeria are offset by infrastructure taxes and currency depreciation. True financial advantage depends on your specific situation and skills.
  • Hidden costs are often larger than visible costs. Career resets, network collapse, remittance obligations, and mental health impacts abroad. Infrastructure compensation, policy uncertainty, and healthcare risks in Nigeria. Budget for these or they'll break you.
  • Your personality type matters more than you think. Introverts who value predictability and structure thrive abroad. Extroverts who draw energy from community and spontaneity thrive in Nigeria. Choose based on self-knowledge, not social pressure.
  • Life stage significantly impacts the optimal decision. Easier to relocate young and single. Most financially stressful with young families. Hardest to rebuild socially after 45. Consider where you are in life, not just where you want to be.
  • The "japa" narrative oversimplifies a complex decision. Social media shows highlight reels, not reality. Success stories abroad ignore career resets and isolation. Success stories in Nigeria ignore infrastructure stress and currency depreciation. Seek honest testimonials, not curated posts.
  • You're choosing between different forms of work, not escaping work. Abroad means trading systemic stress for social rebuilding work. Nigeria means trading social ease for constant adaptation work. Neither path is easy—they're differently difficult.
  • Family considerations are paramount and personal. If aging parents are non-negotiable, staying makes sense. If children's education quality is non-negotiable, relocating might make sense. If cultural identity preservation matters most, choose accordingly. No one can answer this for you.
  • Entrepreneurial opportunity exists in both locations but differently. Nigeria favors local market businesses leveraging cultural knowledge. Abroad favors global market businesses requiring infrastructure and capital access. Remote work while living in Nigeria might offer the best of both worlds.
  • The decision is more reversible than you think. People return from abroad. People relocate from Nigeria later in life. You're choosing your next chapter, not writing your permanent story. Make the best decision for now, knowing you can adjust as circumstances change.

Frequently Asked Questions (FAQ)

How much should I save before relocating abroad?

Minimum 6-9 months of living expenses in your destination country, calculated at their cost of living not Nigeria's. This means if you're going to Canada where monthly expenses are CAD 4,000, you need CAD 24,000-36,000 saved before leaving. This covers you during job search period and initial setup. Many people underestimate this and arrive broke, which makes the adaptation period exponentially harder. Additionally, factor in costs for credential assessment, professional certifications, winter clothing, and unexpected expenses. The more cushion you have, the less desperate you'll be, which improves your negotiating position and mental health.

Can I maintain my Nigerian business while living abroad?

Possible but difficult. Time zone differences make real-time management challenging. You'll need extremely reliable managers who can operate independently. Many Nigerian businesses require physical presence for relationship management and crisis handling. Best approach is either fully sell before leaving, or structure it as truly passive investment with professional management. Half-measures usually fail—you're not present enough to manage effectively but too involved to fully delegate. If your business requires your daily input, relocating might mean shutting it down or finding a partner to buy you out.

What if I relocate and it doesn't work out—can I return?

Absolutely yes, and many people do. Returning to Nigeria after living abroad doesn't make you a failure—it makes you someone who tried something and made an informed decision. However, be aware that reintegration has its own challenges. You might face judgment from people who see returning as failing. You'll need to rebuild professional networks. You might struggle with Nigeria's chaos after experiencing functional systems. But returning with foreign experience, sometimes foreign citizenship or residency, and global perspective can actually be advantageous. Many successful Nigerian entrepreneurs are returnees who combined foreign exposure with local knowledge.

How do I deal with family pressure to relocate or stay?

Set clear boundaries. This is your life and your decision. Family will have opinions—they always do—but they won't live with the consequences of your choice. If family is pressuring you to leave so you can send remittances, that's using you, not supporting you. If family is pressuring you to stay so you can handle their needs, that's also not about your best interest. Have honest conversations. Explain your reasoning. But ultimately, make the decision that serves your actual goals and wellbeing, not their expectations. Your life is not a group project, and family pressure is one of the worst reasons to make either choice.

Is it better to relocate with family or go alone first?

Depends on your financial cushion and risk tolerance. Going alone first is less expensive and lets you test the waters before uprooting everyone. You can secure housing, understand the job market, and establish yourself before bringing family. However, it's emotionally brutal being separated from spouse and children, and you still have to support two households. Going together is more expensive initially but keeps family intact during the difficult adaptation period. Your spouse can't work immediately in most countries, so you need enough income to support everyone. If finances are tight, go alone. If finances allow and family unity is priority, go together. There's no universally correct answer.

What are the best countries for Nigerians to relocate to?

Depends on your priorities. Canada is popular due to relatively accessible immigration pathways, free healthcare, and established Nigerian communities. UK has cultural familiarity due to colonial history, proximity to Nigeria, and large diaspora. US offers highest earning potential but difficult immigration process. Germany offers free education and strong economy but language barrier is real. UAE offers no income tax and proximity to Nigeria but limited permanent residency pathways. Each country has different immigration requirements, job markets, costs of living, and cultural adjustments. Research specifically for your profession, family situation, and priorities. What works for an IT professional differs from what works for a nurse or tradesperson.

Samson Ese - Founder of Daily Reality NG
Samson Ese
Founder & Editor-in-Chief, Daily Reality NG

Founder of Daily Reality NG. Helping everyday Nigerians navigate life, business, and digital opportunities since 2016. I've helped over 4,000 readers start making money online, and my sites currently serve 800,000+ monthly visitors across Africa.

Samson Ese has been helping Nigerians build wealth online since 2016. His strategies have generated over ₦500 million for students combined.

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