Money by Zikoko
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Naira Life Vol 178

Naira Life Vol 178

Also: This 25-Year-Old wants to break free of debt and her fear of money

Toheeb Lanlehin
March 30, 2026

Volume 178

In partnership with

Good Morning, 🌞

The Naira Life Conference is coming back this year!

Last year, about 1,000 of you showed up for honest conversations about money, and we want to do it again, with more perspectives and sharper programming.

We'll share details in the coming weeks, but if there's something you want to see on this year's agenda, reply to this email and tell me. I'm listening.

In the meantime, join the waitlist to be in the loop of every update.

Join the waitlist

Let's get into this week's stories.

In this letter:

#NairaLife: This 25-Year-Old Wants To Break Free of Debt and Her Fear of Money

The 25-year-old subject of this #NairaLife hasn’t had the best luck. Over the past two years, she’s dealt with a failed business, recurring debt, and, most recently, a house demolition.

Now, she’s trying to change her luck, and it starts with taking charge of her finances.

This is her #NairaLife

Saving doesn’t stop life from happening.

When things come up, Carbon doesn’t force you to choose between progress and survival. Your locked savings keep growing, and you can use it as collateral to access a loan at just 3% interest.

It’s saving, built different so you can move different.

Create a savings plan!

Love Currency: “I Feel Disrespected Because I Don’t Contribute Financially

Prisca* (34) and Charles* (41) have been married for 11 years. For #LoveCurrency, Prisca talks about her displeasure at not having a say in her home’s financial decisions and how she’s building a safety net despite being a housewife with no income.

Read the full story here

You've budgeted. You've manifested. You've eaten at home for three weeks straight.

The money still isn't adding up. Maybe it's time to focus less on cutting and more on earning.

Here's what you should be doing differently

I Invested My Life Savings in a House. It Landed Me in Jail

Olaniyan* (43) believed putting his entire ₦38 million savings into building rental apartments was a guaranteed path to early retirement.

Nearly a decade later, a string of nightmare tenants has turned that “smart investment” into his biggest financial regret.

Find the full story here

While you’re making money moves and securing the bag, here’s something worth putting on your radar: HERtitude is back this April 11th for its fifth edition!

HERtitude is Zikoko’s annual women-only event, and the women who show up know that celebrating yourself is never a waste of time. From the connections you make to the conversations that shift your perspective, HERtitude is where women who are building, growing, and winning come together. The theme is Main Character Energy, and if you’ve decided to put yourself first this year, this is definitely your event.

Tickets available here

Where The Money At?!

We can't say we're about the money and not actually help you find the money.

So we've compiled a list of job opportunities for you. Make sure you share this with anyone who might need it because in this community, we look out for each other.

Again, don't mention. We gatchu.