Own 10% of an Asset Today or 100% Later: Which Will You Choose?

During a recent conversation, someone said they’d rather wait until they could afford a whole property instead of buying a small share. On paper, waiting makes sense. But what happens when prices rise? Imagine a plot of land selling for ₦1 million today. If you wait until you can afford the full amount, it might cost ₦5 million later. Those who start with small stakes early benefit as values grow over time. Property prices rarely wait for salaries to catch up. Every year, land gets more expensive and people tell themselves, "I’ll start next year." Often, they never catch up. Would you rather own 10% of something valuable today or wait until you can afford 100% one day? Share your thoughts.

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