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The Contrarian Investor

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The Contrarian Investor

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Good morning. I noticed a ₦450,000 credit hit your GTBank account this morning — likely your March salary. Before you do anything else with it, let's talk about your current position.

What's your first instinct about where this money goes?

📊 From your DataBankTop 3 spend last month: Food & Dining (₦82k), Subscriptions (₦34k), Transport (₦28k). Combined: 32% of your income.

📊 Last Month Spending Breakdown

Food & Dining

₦82k

Subscriptions

₦34k

Transport

₦28k

Shopping

₦19k

Utilities

₦12k

9:14 AM

I was thinking about paying off debt and maybe putting something in real estate. My uncle keeps saying land is the best investment.

9:16 AM

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Your uncle isn't wrong about land — but I'd push back on the timing.

Your ₦34k/month in subscriptions is the low-hanging fruit. That's ₦408k a year leaving quietly. Audit every single one before committing to land.

My sequence: (1) audit subscriptions, (2) deploy ₦200k against debt, (3) park ₦150k in a T-bill while you research land properly.

📰 Nairametrics · TodayCBN held MPR at 27.5% this week. Paying off variable-rate debt right now is a guaranteed 27%+ return.

9:17 AM

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⚡ Signal · Lagos Real Estate RadarWarren Buffett (Fan Sim)

💬 From our conversation on Mar 12: You told me you want to buy property in Ikoyi with a budget of ₦200M and a 3–5 year development horizon. I've been watching for this.

A 3-bedroom flat on Banana Island Road, Ikoyi just listed at ₦185M asking — ₦15M inside your budget. Comparable sales in the area over 12 months averaged ₦200M. That's an 8% discount. The agent is Kunle Adeyemi at Jide Taiwo & Co. I think it's worth a conversation.

📍 Banana Island Rd, Ikoyi

💰 Asking: ₦185M

✅ Budget fit: ₦15M headroom

🕐 Listed: 2hrs ago

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