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Naira Life Vol 158

Naira Life Vol 158

Love Currency: “He’s No Longer as Intentional as He Was 8 Years Ago”

Toheeb Lanlehin
November 10, 2025

Volume 158

In partnership with

Good Morning,🌞

It’s week 46 out of 52. Translation: the year is almost over. In just a few weeks, the familiar end-of-year rituals will kick into full gear. And topping that list for many people? Detty December — the month-long stretch of parties, concerts, and pure “we’ve tried this year, let’s unwind” energy.

But, as always, Detty December is an economy on its own and hardly comes cheap. There are serious financial considerations behind the collective urge to optimise for fun moments. One of the stories in this week’s newsletter dives into that exact question: how are Nigerians planning and budgeting for Detty December?

In this letter:

#NairaLife: The 22-Year-Old Who Went From ₦300k/Month to ₦2m in One Mov

In 2024, the 22-year-old in this #NairaLife left a promising income potential in social media influencing to focus on other career opportunities.

A year later, her bet is paying off, and she now earns ₦2m from working two jobs. Her next goal? $100k in savings and investments by 2030.

Read her #NairaLife

Join hundreds of winners for a chance to win millions of Naira in prizes in our ReferIN and Win Promo, running until Nov 1, 2025. Refer 2+ people to sign up on InvestNaija using your referral code for a chance to qualify for the draw

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Love Currency: “He’s No Longer as Intentional as He Was 8 Years Ago”

Clara* (25) and Josh* (27) have been together for 8 years.

For #LoveCurrency, Clara shares how their approach to money has evolved over the years, why she believes Josh has changed, and her concerns about what their current dynamic means for their future marriage. Read the full story

How 4 Nigerians Are Budgeting for December, and What’s Taking the Biggest Cut

December is calling, and wallets are answering.

From ₦400k girls’ trips to ₦5 million solo getaways, four Nigerians share their December budgets and what they’re really spending on this year. Read here

Ask Aunty M with Reni

Hey Reni, I absolutely absolutely love your segment. 😍 I’m trying to have or start an investment portfolio. I earn ₦350k per month. Living expense per month is ₦180k, and the rest gets saved, but it seems like I am not saving at all. There's always something coming up. I’m looking to earn way more in a few months, but we plan and God laughs. Hopefully, he laughs with me this time, but just in case, please, how can I start working towards creating wealth even with what I have now? - Ada, 24

Ada, thank you!! I hope God laughs with you o, but before that, let’s plan with what we have. You have a surplus of ₦180k each month, but somehow it doesn’t feel like it. That could be because you actually spend more than ₦180k per month, and your estimate is too low. This leads to oversaving, and thus, you go back and take money out of the account. For the next 3 months, track what you're actually spending money on so you can see a realistic number that you’re spending. When you do this, you could realise that 250k is actually more realistic.

Once you know how much you’re spending, allocate a percentage of your surplus to investing. Let’s say you’ll save ₦50k and invest another ₦50k each month. Automate these transfers so that they happen automatically on payday.

For your investing portfolio, open your brokerage account with Bamboo, Chaka, Trove or another investing app of your choice. Then, I suggest investing in USD-denominated ETFs. ETFs, or Exchange-Traded Funds, are essentially a group of companies within a single fund. So, if you buy one, for example, “VOO” — it consists of 500 of the largest companies in the USA. I’d keep doing that over and over and over. As you increase your income, invest more each month.

I hope this helps.

Xoxo, Reni

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