A Life Fund or Nothing Like This

We are losing so much **talent, innovation, and potential** simply because young people aren’t encouraged—or enabled—to take risks.

Not because they don’t want to.
Not because they’re lazy.
But because the structure of our society doesn’t make room for **calculated risk-taking** when you have bills to pay and no safety net.

Picture This

Imagine a young person with a brilliant idea—a new business model, a creative product, or even a social innovation that could improve lives. They believe in it. They have the skills. They’re willing to put in the work.

But they don’t have one thing: **a way to survive while they build it**.

Yes, entrepreneurship is about risk. But when social pressure and living costs rise, it’s nearly impossible to chase ideas that don’t pay out immediately—because you simply can’t survive long enough to see them through.

What If We Had a Life Fund?

Now picture this:

What if we gave that person three solid years (give or take), funded by a **Life Risk Fund**—a kind of lifeline that covers basic needs while they focus on building?

I’m not talking about free money. This wouldn’t be a handout. Think of it more like a **smart, performance-based investment**:

- A loan with flexible repayment tied to success
- A hybrid fund with mentorship and structure
- A way to create **space and time to try**

The Harsh Reality

Most dreams remain side hustles not for lack of potential, but because people are forced to **prioritize survival**. Rent. Food. Family. Responsibilities. In that space, dreams slowly die.

Sure, the U.S. has venture capital, incubators, angel investors. But even those models weren’t built for everyone. We need something **local**, **relevant**, and **realistic**—an **African version** with heart, structure, and accountability.

Just an Idea

I don’t have the full solution. But I do know this:

The cost of doing nothing is **a lost generation** of doers and builders—because they didn’t get a chance to try.

And that’s something we can’t afford.

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Suggested Titles:

1. The Life Fund: Fueling Big Dreams with Real Support
2. Why Talent Dies When We Don't Fund Risk
3. A Better Way to Back Builders: What If We Funded the Try?