In Nigeria, the dream is shifting. It’s no longer just about survival. It’s about creating enough wealth so your children inherit comfort instead of struggle and can be called nepo babies. Here, most of us grew up as LAPO Babies — born into a culture of kolo savings, microfinance loans, and parents who could stretch ₦1,000 like elastic.
Being a LAPO Baby meant growing up with survival economics. It was coins dropped in a wooden kolo, mothers joining ajo groups, and microfinance outfits like LAPO keeping the lights on and the kids in school. It wasn’t glamorous, but it was a masterclass in financial discipline. That discipline is the inheritance many of us carry today, and it’s the same mindset powering young Nigerians as we move from survival savings to wealth creation.
The LAPO Baby Starter Pack 👶🏽
Being a LAPO Baby wasn’t cute. It meant growing up in homes where enjoyment was postponed until further notice. Mothers tucked coins into wooden kolo boxes like national treasures, joined thrift groups (ajo), or lined up at microfinance outfits like LAPO to make sure school fees didn’t disgrace the family.
The goal was simple: security. Save today so you don’t cry tomorrow. Pay the rent, cover school, survive emergencies. Nobody was thinking “Wall Street” — it was survival and dignity.
But in that hustle came the most valuable inheritance: discipline. If you grew up hearing “cut your coat according to your cloth,” congratulations, you’re officially a LAPO Baby.
Still, discipline alone won’t cut it anymore. Inflation is faster than Lagos traffic. If all you do is save, your money is basically on life support.
From Passbook to Portfolio 📲
Our parents had ajobooks. We have fintech apps. The DNA is the same, but the tools got a glow-up.
First, savings went digital. The new kolo is now in your pocket, secure and automated. Saving for tuition, Japa funds, or even a December Detty trip can be handled with ease. Zero stress, zero excuses.
But here’s the plot twist: saving is only Season One. The real show starts with investing. Today, a young Nigerian can own a piece of a global company or a local giant with just a smartphone and a few thousand naira. Wall Street, or Broad Street, is suddenly in your pocket.
That’s the upgrade. From money that sleeps to money that’s hustling harder than you. From trying to “manage inflation” to leaving inflation in the dust.
The Endgame: Founding a Nepo Baby 👑
Here’s the bigger vision. Young Nigerians aren’t just saving for old age anymore; they’re actively building legacies. The goal is to be the ancestor whose grind means their kids never have to start from zero.
Picture it: children who don’t need to beg for startup capital, who attend the schools you could only dream about, who can chase passion instead of paycheck. That’s the Nigerian remix of the nepo baby concept — except this time, you’re the founder.
It’s bigger than financial planning. It’s cultural engineering. From “I scraped through” to “I set the stage.” From being a LAPO Baby with survival savings to becoming the reason your own kids get called nepo babies.
Closing: The New Nigerian Dream ✨
The journey from kolo to crypto, from passbook to portfolio, is more than financial progress. It’s a mindset revolution. It proves that with discipline, technology, and vision, survival can transform into legacy.
That’s the new Nigerian dream: disciplined enough to survive, ambitious enough to invest, and bold enough to make sure the next generation starts where we once prayed to finish.
So yes, you might not be a nepo baby. But if you play it right, you can be the founder of one. And honestly? That’s way cooler.
At meCash, we’re part of that next wave of tools. We help you receive your money in ways that fit your lifestyle. Because the goal isn’t just survival anymore—it’s freedom, stability, and yes, the soft life.
Start your journey today at me-cash.com.
