Should you rent or buy in Abuja? The honest answer depends on your horizon, your liquidity and your plans. A useful framework: • Buying makes sense when you plan to stay 5+ years and can afford the full cost without compromising your emergency fund. • Renting makes sense when your plans are uncertain, or when the capital is better deployed in higher-yield assets. • Buying as an investment is a separate decision from buying as a home — underwrite it like one. The mistake people make is treating a lifestyle decision as if it were purely financial, or a financial decision as if it were purely emotional. Both need discipline.