Topic: To afford personal education or a property? Where to allocate funds? - page 8. (Read 1253 times)

Education all the way here  . Education is not limited to the four corners of a school wall.  Aside from that, I bet the person who is choosing is already a bachelor's graduate and the money is to be used for specialization of some sort, making the person get a job way more easily with higher compensation.  While this reply stated the flaw of both options...


I still think investing in one knowledge is still the best because we can carry and apply it anywhere we go.  It can even earn us money to buy more properties. 

Those are the essentials in having a job but don't you forget to have the attitude is also being considered by many employers. Yes, skills and educational background is a must but there have been employers lately that uses this factor to hire people.

If they've found out that you've got a good attitude through the interview, skills can be learned and educational background is like the second priority for them.

And to have yourself choose between affording quality education or a property, really depends on your situation @OP. What you think you needed most as of now?

I'd say it depends on what "education" you wanted in the first place? The market has a lot of opportunities for free lancers, so being a graphic related type of guy/IT guy could net you a lot regardless if you have a degree or not. You probably won't be getting any big positions in a while, but given the time you spend on freelancing, one or two opportunities are bound to open up to you (hopefully), and you can then use the passive income from apartments to live for a while. If it was something a bit more specialized, say accounting for example, I'd go for a degree.

Though to be fair, (this depends on the country btw) even with a degree, the return you get isn't exactly anything big, even past say 3-4 years. You probably wouldn't even get enough to buy a plot, let alone build an apartment for it. So I'd say most would take the apartment, use the money from there for daily expenses plus some self-studying materials and I reckon you're good to go.

Depends on the market available in your place, I mean if you have access to stocks and crypto then this could be a great place for you to invest your money and prepare for your future. Be more financially literate so you can know what is a good investment and what is not, since you are aiming for a longer goal better not to rush things and also see professional advisor. I also have the same goal and to be more safe, I’m working with the banks to handle my finances since they have investment options that are less risky.

Education can catch up when you have all the money and  the financial capability to do so. You can't do that with financials, so in the choice between financial independence and education, I'd always choose the former in a heartbeat. Now I know, some people may argue that "getting yourself a good education is more important, and besides, you can easily earn back the money you would've gotten from a good financial venture once you land yourself a good job, but I say why wait? or why take your chances especially nowadays when things are so hard and employment even after getting a degree isn't guaranteed? it's good and great to get your diploma and I'm not saying you should stop studying and just work for your money, but at the same time if I were given the choice between the two with choosing one meaning that I'd have to let go of the other, I'd choose money first and foremost.

You've chosen property but it doesn't mean it's the best for every one. There isn't one answer for all. It's down to the ppl involved to work out what's best for them. For others it could depend on which country they're living in or complex social factors.

The question needs clarification
1. If you have earned money to buy a good real estate - we can conclude that you have enough knowledge, experience, and practice to continue earning. And your success implies that you can engage in self-development, which is close to the value of education.
2. If the money for real estate just "fell on your head" - here it's more complicated. If you do not have a job, and knowledge to start earning - real estate will solve a small part of your problems and temporarily. Why? Because you will still have the costs of maintenance and maintenance of real estate, taxes, utilities, .... And sooner or later, you'll sell your property. And you'll be back to the question of what's better? To buy knowledge or to buy real estate. but it's cheaper.
If you have a job that allows you to support yourself, but does not allow you to save significant sums, for example, to buy real estate - then it is logical to buy.

PS for one reminder - not all real estate is liquid. As well as not all knowledge - useful and can be applied

When you do have an educational background then you would really be having the advantage on which you could really be able to apply for a better job but its true that it wont really be that might enough on bringing you

into a state on which you could really be able to buy with your property on which this is usually that brings you on becoming on having that 8-5 job kind of cycle and only a few could really be able to get out with that shackle on which it would really be just that normal that you would really be having that kind of mindset on getting out and wont really be ending up on this kind of cycle forever. Not all does have that degree would really be successful in life but i agree on what you have said that there would really be people who do really see out that great importance on having a diploma or degree in someones life which its partly true but in the sense that
this is the talks about on survival then you would really be choosing up on having a property on which it isnt something that anyone could easily obtain.

You would really be thinking about education to be your second priority and this one would be the first because we know that once you do have a property then you could really be able to make out that an investment or
assets on which it could bring out that income which could really be passive and this is something that much preferred.

It depends on the individual mindset, if they believe that education is the only way they can achieve their goals in life then the dream will come true because they believe in it, The mind is very powerful and it can manifest the desires of the heart, if we believe we can do it then it will happen.

I strongly believe that education is not everything,  there are millions of educated people around the world and yet the top millionaires are dropouts, it's good to be educated but to an extent, money and wealth stands on one lane while education stands on the other.

I was talking to someone yesterday about how much money was spent on his brothers for education purposes, the parents went through a lot to make sure these brothers bagged some good degrees, at the end of the day the money they spent was so much that if they have started a business with the money the parents won't be expecting the children to do something for them now.

The brothers are all still struggling even with the education and all, they can't secure a very good job yet, we go to school for better life but some times what we are seeking for is already within our reach, many educated people still ends up starting a business after years of running after degrees. Lord have mercy.

I chose to invest in property rather than personal education, the reason is simple, that's because property can be mortgaged to the bank if needed, Apart from that, there is a big possibility that the value will continue to increase in the next few years, but it's different from personal education. however, I'm sure some people have different thoughts about the above options and educational background is a major factor.

It's a personal choice and depends on what you are good at. Also, age matters too. If you are at an early age, you will need to learn the basics in order to understand the world and how everything works. In order to invest and make profits, first you need to learn how money works and how you can grow it. But if you're into higher education, this is when you need to choose what's the best fit for your career.

Education is a long process and it requires investment that you can only get back when you graduate and get a job using your certificate. You could get a higher-paying job if you are capable enough.
And there's this investment into property. If you have the ability and funds for this investment, then go for it right away. This is the best passive income so far. And with this, if you wish to continue your study in the future, you can do that too. Kinda like reinvesting what you are getting from your other investment into your future.

So it's a personal choice, and for this reason, I will not advice you to do anything. It's up to you to decide what will be the best for you.

Well, obtaining a certain education is not just equated with formal education, as some people think. Learning about Bitcoin investment, trading, and mining could be a course that someone can pay to take. Although everything one needs to learn about Bitcoin is online, some people in my country are teaching about it, and some people are paying to learn, so like you said, if the person has limited funds that they want to invest in something, they can still invest them in education, depending on what the education is all about and also if they can get a well-paying job after they are done with the course. There are some educational courses that one can take, after which the person can get employed by an oil company. So, if I were to make a choice, I would have to know if there's any guarantee of a well-paying job after learning the course. If there is any job available, then I will have to allocate the asset to education, but if no job is guaranteed, then I will have to allocate the funds to a piece of land or landed property that I can lease or rent out after I have bought it.

This is an interesting one. I thought you just mentioned that you would buy property without having any other plans to it. Since you mentioned that you just have limited budget to it, it might be better of just making passive income out of a piece of land then just use that money slowly in getting an education.

Having a BS degree does not guarantee that you would get a job easily and it would even depend on what study did you pursue. Considering how fucked the job market is right now, I wouldn't even think twice on putting it to something that would make me survive passively.

Having a degree at this moment is not that highly valuable anymore. You can be educated if you want by doing your due diligence to learn from all the free resources online. That way, your knowledge will be limitless.

On the contrary, buying a property that will provide you passive income is very practical. Not only yourself will benefit, but your family as well. As long as you also have the prior knowledge and skills to make your property productive, and bring your life progress later on, I think that will be a very valuable idea. Your success will not depend on your educational achievement, but on your attitude and life’s perspective that will pave way to reach your goal.

If I did not know what I know now, the first response that would come to mind when this question is asked is EDUCATION. You know how the story goes, if you want to be successful, the best route is education, so they'll tell me. But with all the experiences I have garnered, my response to the question is that I would buy the property. It never depreciates in value. See this latest news.


He made $1 dollars  profit from the sale of his property which he bought about 4 years about. Within that time, he could rented it out on short leases and made money too off of that. No education would have made him $1 million in a space of 4 years. Assuming he spent 3 - 4 years acquiring that education.

This is a difficult decision but personally I would go for the apartment option, the reason for this is because you can get an additional source of income immediately with it that then you can use on whatever you want, like affording the education you are looking for, this way you can get the best of both worlds without the need to sacrifice either one of your dreams, now you could try the opposite approach as well but I think it would be way slower as it will take you years before you can get a good job thanks to your education and then buy the apartment you want.

Depends on the career you choose, if you're want to become a doctor, education is a must because there's no patient want to get diagnosed or surgery by unknown person without certification. If you're want to become an illustrator, influencer, developer etc, education isn't a must since you can learn by yourself, though you need to learn harder.

If you only have money to buy a property, it's better to not buy property, you can run a business or taking more riskier investment.

I believe the answer to this question depends on someone geographical locations because what works best in Europe, America or other part of the world mightn't work well in Africa (which is my continent). Education is the most important thing over here, education is the reason we can communicate to an extent that foreigners can understand us so education is the key, now why some might argue that it isn't the key is because there so many people now trying to secure the little joys that the government have been able to provide so it seems education is no more important but it still is because an education person is always different from an uneducated person and with the help of extra skills that aren't learnt from the classroom we can equiped ourselves with skills that can put us ahead of our peers.


As a christian we understand that we'll leave this world the same way we come so to be is always important than to have but we can always find a way to balance everything that is we'll be fulfilled by being and having. You can have both education and all the properties you want in life, don't give up one for another. First get the education and use the education that you have gotten tin build the wealth that you'll use to acquire all the things you desire in life. Education is very important and it should never be neglected.

If you intend to obtain benefits from investment in the short or medium term, you have two options: Either you go with safe options such as investing in real estate and land, the value of whose benefits will be determined by the type of investment, and in the best cases, the benefits in the short term will be low. Or to choose risky investments whose success cannot be trusted. One of those risky investments is investing in cryptocurrencies.
It would be best to determine the amount you have allocated for investment and the extent to which you hope to obtain a percentage of profits that is sufficient for you.

If you are in dire need of money, property is obviously the better option though you should choose a home which would provide great ROI in the long-term. If you don't desperately need money, education is the better option.

You can invest money to educate yourself adequately in order to recover your initial investment and earn profit overall.