Day: February 9, 2026

A few months ago, I sat with a banker friend of mine. He is disciplined with money in a way many people are not. Every month, as soon as his salary drops, he saves first before anything else. He does not gamble. He does not live recklessly. He has been doing this consistently for about four years with one clear plan in mind, which was to buy a small piece of land somewhere on the outskirts of the city. When we spoke again recently, his tone had changed. He was not angry. He was not complaining. He was simply confused. The same land he had been tracking had moved in price twice since he started saving. Nothing dramatic happened in his life. His income had even improved slightly. But when he did the math again, he realised that his savings, though larger in number, could no longer buy what they were meant to buy. His effort had been steady, but the goalpost had moved quietly. This is how the economy teaches its hardest lessons. It rarely shouts. Inflation does not send an email. Land prices do not wait for readiness. They respond to population growth, road expansion, demand, and time itself. While people are planning and preparing, these forces are already at work in the background. Saving money feels responsible, and in many ways it is, but saving without positioning often means you are standing still in a system that never stops moving. What struck me most about that conversation was not his situation, but how common it has become. I hear similar stories from young couples, from parents planning for their children, and even from business owners who assumed they would “catch up later.” Time is a resource that works gently when engaged early, but it becomes expensive when delayed. When people act early, time absorbs mistakes and smooths pressure. When people wait, pressure replaces time, and options begin to disappear. This is not an argument for rushing or fear-based decisions. It is simply an observation about how personal economy works in growing cities like Port Harcourt, Abuja, and Lagos and in a country where assets respond faster than income for most people. The earlier the structure is in place, the less emotional energy is required later. Progress feels calmer when it is gradual. By the way, reflections like this are part of why initiatives such as Project Young Landlord (landlord.thewinrealty.com) by Win Realty exist, not as a promise or a push, but as a quieter way some people choose to begin earlier and allow time to do what pressure eventually does at a much higher cost. Maximus Chukwujindu Eze

Day: February 9, 2026

The Real Cost of “Waiting” in Real Estate Investment

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