| Starting condition | Nepo Baby | LAPO Baby |
|---|---|---|
| Opening cash | ?500,000 | ?76,000 in Mushin or ?96,000 in Yaba, including the loan |
| LAPO debt | None | ?72,000 owed after receiving ?60,000 |
| Job | Banking level 3: Branch Manager, ?15,000 base pay per shift | No starting job — apply through Phone ? Jobs |
| Home | Lekki Phase 1 mini-flat | Choose Mushin or Yaba at creation |
| Weekly rent | ?17,000, normally paid by Daddy | ?2,400 in Mushin or ?6,000 in Yaba, paid by you |
| Vehicle | Toyota Prado — running costs still apply | No starting car |
| Skill advantage | Charisma 2 | Hustle 2; skill learning multiplied by 1.25 |
| First decision | Keep a cash buffer before buying assets | Reserve rent and the next loan payment, then get a job |
These values come from the official starting-life rules and housing configuration as checked on 4 October 2026. They describe the configured start, not a promise about an account affected by a later update or restoration.
Can you choose or reroll your origin?
No. The official character-creation interface says the result is decided once for your account. Starting a new life replaces your life; it does not guarantee a different origin.
The game does not publish the odds of becoming a Nepo Baby. If the lottery cannot be reached, it can show a self-made fallback — do not assume that message gives you the usual LAPO loan and skill perks. Check the balance and loan panel you actually end up with.
The Terms of Service allow one account per person. Making extra accounts to chase a better roll is not a supported way to start.
LAPO Baby: choose the bill you can sustain
| Home | Home's base starting cash | Loan received | Total opening cash | Weekly rent | Rent + normal loan payment |
|---|---|---|---|---|---|
| Mushin: Face-me-I-face-you | ?16,000 | ?60,000 | ?76,000 | ?2,400 | ?14,400 |
| Yaba: Self-contain | ?36,000 | ?60,000 | ?96,000 | ?6,000 | ?18,000 |
The home's starting cash is money given to your Sim, not a deposit you have to pay. Yaba adds ?20,000 to your opening balance but costs ?3,600 more every week. That extra cash covers about 5.6 weeks of the rent difference — a cushion, not permanently cheaper housing.
Mushin is the lower-cost choice. Yaba has a larger room and space for five guests instead of three. Pick it only if those benefits are worth the higher recurring bill to you.
How the LAPO loan works
Receiving ?60,000 creates ?72,000 of total debt. Normal collections are ?12,000 every seven game days, counted from the loan's own payment cycle. Six successful normal payments clear the original debt, provided no penalties are added.
Rent and the loan are collected separately: rent on Saturday, the loan on its own seven-day cycle. Keep both amounts ready instead of planning around a single Saturday deadline.
If a normal ?12,000 collection fails, the penalty is 10% of that payment: ?1,200. It is added to the debt, so six payments will no longer clear it. To pay early, open your Sim's panel ? Goals ? LAPO loan, then choose Pay … now for the next payment or Pay it all off for the remaining balance. The Goals panel shows what is left; check that it goes down, or that Loan paid off appears.
Paying everything early is a choice, not a rule. It removes the loan but also uses cash you may need for rent, food or travel — decide based on your upcoming bills, not by treating borrowed money as spare income.
Your first LAPO actions
- Look around the home and your starter items before buying furniture.
- Set aside ?14,400 in Mushin or ?18,000 in Yaba for one normal rent-plus-loan cycle, then budget for everyday costs.
- Apply for a job. Hustle 2 already clears the skill requirement for the first promotion in Trading, Hairstyling and Event Planning — you still need full work performance.
- Use side gigs between shifts. WhatsApp Hustle benefits from your starting Hustle level without needing a Laptop Desk.
Compare jobs and salaries before choosing between a Hustle career and Banking's higher entry pay.
Nepo Baby: protect the head start
The Branch Manager job pays ?15,000 per full base shift on Banking's scheduled days. The next two promotions need Charisma 5 and Charisma 7 along with 100% performance. Starting at Charisma 2 does not automatically qualify you for either.
Keep the Banking job unless you really want a different career. Switching starts the new career at level 1 and gives up the level 3 salary.
A POS Stand costs the entire ?500,000 opening balance. It is affordable on paper, but buying it straight away leaves no cash buffer, and the first business day does not guarantee a same-day payment. Leave room for living costs and possible losses first — the business section of the money guide has the numbers.
If you use Call Daddy for bail, a Daddy debt is created and you pay the Lekki rent yourself while that debt is recovered. Check Bank after the event instead of assuming rent is still covered. The bail call also has a weekly cooldown.
Can LAPO Babies move to Lekki later?
Lekki is not offered at the normal LAPO home-selection stage, but moving later is a separate decision. Check the Homes panel's move-in amount and weekly rent before confirming. Ikoyi and Banana Island are also later move-in options — and they still come with recurring rent.
Your origin only sets the opening budget. After that, your next promotion and the bills you keep paid decide what you can afford — the money guide covers the longer plan.