244. IS YOUR BEING BROKE JUSTIFIED? Jack’s Japa Empowerment - Nijaa Diaspora Empowerment - Baba Londoner - Empowering Immigrants - Immigrant Empowerment - Wise Words For Immigrants - Jack Lookman - Rita Nnamani - Olayinka Carew - Japa Empowerment - Empowerment And Inspiration - Nigerian Immigrants - Empowering And Inspiring Generations - Nijaa To United Kingdom - Jack Lookman Limited - Nijaa To London - Baba London - Japa - Amebo - Ola Carew
For many migrants abroad, nothing is more irritating than working persistently in the UK but continually being broke. It almost seems unfair—how can you live in one of the world's best economies while still struggling financially? The actual question, however, is if your financial situation is justified. Yes, it is possible in some cases. When you initially come, relocation expenses, rent deposits, and the difficulty of establishing your footing will deplete your resources. Similarly, if you are intentionally investing in a property, company, or education, you may feel broke for a while because your money could translate to future gains. What is not justifiable is being broke year after year with no savings, no construction, and no plan for change.
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The painful reality is that several individuals are broke not because of terrible luck, but because of poor decisions. Lifestyle inflation, unnecessary remittances, social pressure to flaunt riches, and reckless loan utilisation are all contributing factors. In the UK, discipline makes a difference. Without budgeting, saving, and planning, no matter how much money you earn, it will be spent on rent, bills, and debt.
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Another factor is financial ignorance. Many of us were never educated about credit ratings, pensions, or investments, so we fall into financial traps that take years to overcome. However, ignorance is no longer a valid justification. Free workshops, internet resources, and mentors are available everywhere. If you refuse to learn, the system will continue to penalise you.
So, is it justified that you are broke? Only if it leads to growth.
Being broke while planting seeds for the future is fine; but, being broke due to a lack of discipline is not. The difference is in direction. Even a tiny wage, with proper planning, can lead to financial security and possessions. Without one, money slides through your fingers like water. If you take charge—cutting unnecessary spending, learning financial skills, and investing wisely—you will advance from survival to true progress. Being broke overseas should never be permanent; it should only be a step towards prosperity.
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