Gen-Z University

      If you’re in college and you feel like the world is moving without you… it’s because it is. The Nigerian education system is like using a Nokia 3310 in a world ruled by iPhones .  It’s built to produce obedient workers for jobs that don’t exist anymore, using outdated content and a structure that hasn’t evolved in decades. While the world is racing into the future, Nigerian students are stuck learning for a past that’s long gone — and the cost is their future. Let’s break it down. 1. Outdated Curriculum in a Rapidly Changing World         Most Nigerian schools still teach the same things they taught 20 years ago — often word-for-word. Meanwhile, the global economy has moved into artificial intelligence , machine learning , e-commerce , remote work , content creation , fintech , and digital skills . But here’s what’s wrong: Students still spend years studying logarithms, but never learn how to manage money. Graduate...

       In Nigeria, culture isn’t just about language, food, or fashion. It’s a belief system that silently shapes how people live, earn, spend, and even dream. From what career you choose to how you handle your money, many of your “personal decisions” were never yours to begin with. They were cultural instructions—often disguised as advice, but enforced like law. The result?: many people don’t get to live life on their own terms Because culture, family expectations, religion, and community pressure have created a system that forces people to follow rules they think they agreed to. Let’s break it down: 1. The Myth of Free Advice:  In Nigeria, the phrase “ Let me advise you ” rarely ends with freedom of choice. It’s a command wrapped in concern. The giver is usually an elder, a relative, or a even friend—someone whose experience is supposed to be enough reason for you to follow them blindly. “ Don’t study music; be a lawyer like your uncle .” T...

       In Nigeria, bad governance has become so normalized that citizens have developed a culture of endurance rather than resistance. It has been repackaged as a normal way of life. It’s not just the corruption, police brutality, power outages, or failing infrastructure—it’s how Nigerians have been conditioned to endure it all with a smile, a sigh, or a meme. Phrases like “ we go manage am ,” “ na so e be ,” or “ God go help us ” reflect a deep-rooted acceptance of hardship, corruption, and incompetence in leadership. There’s a deep cultural issue: we’ve turned suffering into survival content.  But why? Why do Nigerians choose to cope instead of confront? And even worse, why do efforts to “fight” for change like protests often become chaotic, self-destructive, or completely hijacked? Hurting fellow Nigerians instead of challenging the system? We’ve narrowed it down to a few reasons: 1. Tiredness from Past Pain(Psychological fatigue...

         While tuition fees are rising, the value of education itself is becoming questionable and more Teens want to be Tik Tokers and YouTubers instead of doctors, lawyers, engineers, etc.  Many young Nigerians did not understand the real cost of higher education and are misled by Nigerian elders, society and peer group who choose to continue in a system that is not in their best interest or in someone else’s best interest.  Later on, you see people your age or younger making money from tiktok and other social media platforms or even tech and feel like you, by wanting to be a doctor, lawyer, engineer,etc are missing out, going to end up poor or have made a very big mistake in career choices. The truth is that YOU HAVE NOT. You are just being fed the right information from the wrong time, making you feel like the world is leaving you behind.... which it is.  While people may mean well and want the best for their kids or friends. They...

            Personal finance is the art and science of managing your money—earning it, saving it, spending it wisely, investing it, and planning for the future . It is the foundation of financial freedom and stability, and it determines whether you remain broke or become rich. It also determines if you stay rich. Unfortunately, a large number of Nigerians struggle with understanding personal finance. And the root of the problem is not lack of opportunity, intelligence, or even income—but a strong mindset about money that has been passed down through generations.  These money habits and beliefs were never properly vetted. Most of them were formed out of survival and emotional decisions, not financial education. So while they may seem to work in the short term, they often lead to financial disaster in the long run. Here are some real examples to paint a clearer picture. 1. The Yahoo Boy Trap: Fast Money, Faster Crash Many young Nigerians cha...

         Like we've pointed out before, Nigeria is a country rich in culture and tradition. But some popular beliefs, especially regarding money, can be significant barriers to financial growth . How? These cultural beliefs often influence spending habits, investment decisions, and financial planning negatively leading to a long term decline in wealth. Here are some really common cultural beliefs that contribute to increasing poverty, and simple steps you can take to overcome them: 1. “ Money Is the Root of All Evil ”          You may have grown up hearing things like “ wealth is dangerous ” or that “ rich people are corrupt ”, “ people can't be extremely rich unless they get their hands dirty ”, “ be comfortable with your income, trying to earn more money is greed ”, “ stop thinking about money ”, and the most destructive “ Manage! Manage! Manage! ”.  This belief actually just discourages people from subconsciously purs...

       When You budget like a millionaire when you’re monthly salary is ₦100k!, You’re really budgeting like someone who wants to stay broke forever. Be honest – do you actually know where your money goes?          Budgeting is a very important financial skill that determines whether you become rich or stay poor. Many Nigerians unknowingly have poor budgeting habits that keeps them poor . Doubting? Here are some common budgeting mistakes that you make without even realizing it! 1. Lack of a Budget Plan    The biggest mistake is not having one in the first place which Many people do. This leads to buying mostly on impulses, overspending and financial instability. It’s so simple to Create a written or digital budget that contains your income, basic expenses, savings, and investments to track expenses. 2. Living Above One’s Means A common mistake is spending more than what you make, either to keep up with the latest trends...

         Did you know Nigeria’s trade deals allow foreign companies to dominate while local businesses struggle?  While trade agreements can create opportunities, some agreements, policies, and economic arrangements work against Nigerians, limiting financial growth and keeping individuals, small businesses, and entire industries in a cycle of poverty. Agreements like: 1. Import-Dependent Trade Policies That Kill Local Production Agreements that allow duty-free imports of foreign products often make locally made goods uncompetitive. Nigerian producers struggle to match lower-priced imports, leading to job losses and factory shutdowns. Example: The influx of cheap textiles from China has destroyed Nigeria’s once-thriving textile industry. 2. One-Sided Foreign Investment Agreements  Some foreign firms enjoy long-term tax exemptions, while Nigerian businesses are burdened with multiple taxes. In addition to this, Many foreign companies in Niger...

      Insanity is defined as doing the same thing over and over again but expecting different results. Well financial insanity  holds the same definition but refers to one's financial life or situation. It can be seen as Making the same bad financial decisions(poor planning, gambling, overspending, etc) over and over again but expecting to be rich or financially free.        In Nigeria, this mindset or lifestyle of poor financial decisions coupled with unrealistic results is common and most times encouraged. What Does Financial Insanity Look Like? Here are some signs ;   1. Earning and Spending Without a Plan – No budget, no savings, just vibes. 2. Constantly borrowing to survive without a plan on how you’ll escape the debt cycle. 3. Relying on a sudden breakthrough or miracle without taking any action. 4. Ignoring Investments – Spending everything without growing any assets. 5. Lack of Financial Literacy – Not making efforts...

           Not everything the elders said about money is true. For example, Being the firstborn doesn’t mean carrying the whole family on your back— teach them to fish instead of feeding them forever . Times have changed and so should your mindset. Nigeria is a country rich in culture, tradition, and deeply rooted beliefs that shape various aspects of life, including money management. Many of them influence how Nigerians earn, spend, save, and invest money—most times negatively, and often in ways that hinder financial growth.  To the point where children will be expected to suffer the same struggles their parents experienced in order to get ahead. Struggles that are easily avoidable in our modern age. There are beliefs like; 1. The “Money Comes from the Spirit World” Belief Many Nigerians think wealth is either a divine blessing or a result of occult practices, rather than financial discipline or strategic planning. This makes people to ...