When Ayomide Olusesi left Nigeria in 2018 to pursue a master’s degree in the United States, he shared the same hopes as Tosin, his closest friend who stayed back home, completed his postgraduate studies and secured a job in Lagos.
By the end of 2024, Olusesi had been living in his own home in the US, which was financed through a mortgage. He drove a good car, and furnished his home with modern appliances, all backed by insurance.
Back in Nigeria, Tosin was still saving for a car, a home and basic household needs. With limited access to cr
