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Young American Remote Worker Based in Ghana Shares How She Lives on U.S. Income: ‘It Just Makes Sense’

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Screenshot from video

A young American woman who relocated to Ghana earlier this year is drawing global attention after posting a candid breakdown of her daily spending.

She says earning in U.S. dollars while living in Accra has become her “best life decision yet.”

Jam, known on Instagram as @rarenecessity, says she receives so many questions about her move from the United States to Ghana that she has turned the topic into a full digital series. Her goal, she says, is to show what living abroad actually looks like — financially, emotionally, and professionally — for those considering a similar leap.

‘Earning in dollars while living in Ghana hits different’

In the now-viral video, which has already spread across TikTok, Instagram and X, Jam breaks down an ordinary workday in Accra — from business errands to dinner with friends — all paid with income earned remotely from U.S.-based clients.

“Earning in dollars while living in Ghana hits different,” she says in the opening of the video. “With December right around the corner, let’s talk about what spending U.S. income in Ghana actually looks like.”

Her cost-of-living snapshot is striking in its simplicity:

  • GHS1,000 withdrawn from a U.S.-linked account
  • GHS26 Uber ride (about $2.38)
  • GHS345 for labels for her shea-butter brand
  • GHS70 for coconut water
  • GHS632 for dinner for three people
  • Multiple short Uber trips in between

By the end of the day, she had spent GHS1,200 cedis — roughly $115 (in November 2025).

“That’s one of the reasons I love earning in USD while living here,” she explains. “You can live comfortably, invest in your dreams, and still enjoy the little things — especially at a fraction of what life costs in the States.”

From wedding visitor to full-time Ghana resident

Jam moved to Ghana earlier this year after traveling for a friend’s wedding. What was supposed to be a short visit turned into a life-changing relocation. She stayed, relaunched her shea-butter company, and now helps people prepare for and land remote jobs.

Her story resonates with a growing wave of young professionals — many from the U.S., U.K., and Caribbean — who have relocated to Ghana for cultural connection, entrepreneurship, or the financial flexibility of remote work.

The trend has strengthened post-pandemic, as more companies hire remote teams and more young adults seek alternatives to rising rents and overwhelming living costs in Western cities.

A movement, not just a moment

Jam says the volume of messages she receives daily — from job seekers, aspiring expats, and curious followers — convinced her to create an educational series about her transition.

“I get so many DMs asking what I do, how I afford it, and how people can do the same,” she wrote in her caption. “So you’ll get to see what day-to-day looks like — in spending.”

She’s also hosting a free webinar on November 8th for anyone interested in building a remote-work career and potentially relocating abroad.

The link, she says, is in her Instagram bio.

A softer message beneath the hustle

While the financial breakdown drew the clicks, Jam ends her video with a tone far gentler than the numbers.

“Listen, I’m sending love to whoever needs it,” she says before blowing a kiss to the camera.

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GH Living

“I Love Ghana, But I Can’t Live There”: The New Diaspora Mantra

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Exploring the emotional shift from permanent return to visitor status (this is a long read, but it’ll be worth your time).

The invitation was historic. When Ghana launched the Year of Return in 2019, it extended a powerful call to the global Black community: come home. Come see where your ancestors walked. Come invest. Come stay.

And thousands came. They packed up apartments in Atlanta, London, and Toronto. They landed at Kotoka International Airport weeping. They bought land. They started businesses. They believed they had found home.

But five years later, a quieter conversation is emerging—one that YouTube creator Dela, of the channel More To Dela, is giving voice to. In a video that has resonated across the diaspora, she asks a provocative question:

Has Ghana changed from being a place that people want to return to and live, into more of a holiday breakaway destination?

Her answer, drawn from countless conversations and her own experience living in Accra, suggests a profound shift is underway.

The Sentiment That Brought Everyone Here

Dela begins by acknowledging the dream that brought so many to Ghana’s shores.

“Ghana was the gateway to seeing what Africa has to offer,” she explains. “It was people’s first initiation point into understanding more of Africa. A lot of people were coming back and saying, ‘I’m going to leave everything behind because Ghana is a dream. I’ve seen it on YouTube. It looks amazing. This is where I can live.'”

The emotion was real. The pull was real. And for a time, the momentum seemed unstoppable.

But now, Dela observes, “there’s some reality that is setting in.”

YouTube Creator, Dela

The Price of the Dream

That reality has many faces, but one of the most unforgiving is economics.

“Ghana has outpriced itself for the diaspora being able to move back and make it a place of permanence,” Dela states plainly.

The math is brutal. You arrive with savings—maybe a respectable sum by Western standards. Then you buy a car. You put a deposit on an apartment. You furnish it. You pay for permits, for connections, for the endless small expenses that come with establishing a life.

“The head start that you thought you had? You don’t have it,” Dela says.

And if you’re relying on local income? That’s its own challenge. A well-paying job in Ghana might offer 5,000 or 7,000 cedis monthly. But with the cost of living where it is, and families to support.

“How many of us can live off that?” she asks. “We can’t.”

The result is a quiet economic truth: to live in Ghana sustainably, you likely need foreign income. A remote job. A business that earns in dollars or pounds. Without that, the dream becomes financially unsustainable.

When Business Becomes a Battle

For those who came to build businesses, the challenges run even deeper.

“People who have wanted to bring business here see the challenges,” Dela explains. “Things are not going well for them. They can’t get supplies. Trying to recruit staff, trying to get customers—it’s very, very difficult.”

The operating environment is simply different from what diaspora entrepreneurs expect. Supply chains that should be reliable aren’t. Staffing is unpredictable. Customer acquisition follows different rules. And slowly, the optimism drains away.

“You can’t necessarily run businesses the same way they were run in the West,” Dela says. “If the money’s not coming as you expect, it makes it feel like maybe Ghana’s not for me. Maybe I should try somewhere else.”

She speaks from experience.

There was a time when Dela worked extensively with people outside her immediate circle—collaborations, partnerships, hires. It became so frustrating that she made a fundamental change.

“I cut back a lot of the people that I was working with,” she admits. “I just said, ‘No, I need to take this back for myself.’ That was easier for me than trying to do it the other way.”

Today, she lives what she calls “a bit of a Ghana bubble.” And she’s honest about it:

“I like it that way. Most of the things I work on, I can pretty much do myself. I don’t need too much outside help.”

It’s a survival strategy—but not one everyone can replicate.

The Floating Feeling

Perhaps the most emotionally complex challenge is psychological.

When you move somewhere intending to stay, you expect to eventually feel settled. You expect to stop feeling like a visitor. But for many in Ghana, that moment never comes.

“It never feels 100% home,” Dela says. “Not for the long term.”

She points to housing as a vivid example. In the West, renting often implies stability. You sign a lease expecting to stay for years. In Ghana, even year-to-year renting feels temporary.

“You don’t rent and think, ‘Okay, I’ll be here for two years and then move somewhere else,'” she explains. “But here? That’s exactly what happens. Prices shoot up. The currency becomes unstable. The area changes. Traffic patterns shift. You’re always floating.”

Even buying a house doesn’t guarantee permanence. You might build in an area that seems promising, only to realize later that there are no shops nearby, no places to hang out, no community. The isolation wears on you. Then you face the nightmare of trying to sell.

“So because of things like that,” Dela says, “it puts people off putting down a permanent stamp in Ghana.”

The Shift: From Living to Visiting

All of these forces are converging into a new pattern.

“Now people are talking about small doses,” Dela observes. “Even those of us that are Ghanaian—we’re coming and we’re like, Ghana is a great holiday destination. I love the food, the people, the culture. But when it comes to living, they don’t necessarily want to do that.”

What’s emerging instead is a different model: Ghana as a base, not a permanent home. People are buying property, even building houses, but they’re not staying full-time. They’re traveling to other African countries. They’re going back to the West to make money. They’re living a holiday lifestyle for a few months, then leaving when the funds run low, then returning again.

“That’s the shift that’s happening,” Dela says. “Doing business here is very, very difficult. And that journey is not for everybody. It’s a special kind of journey given to a special kind of people.”

The Complicated Love

None of this means the love for Ghana has died. Far from it.

“The reason they want Ghana in small doses and can’t cut Ghana off completely,” Dela explains, “is because Ghana brings you something. A sense of peace. That belonging. It brings you those things.”

The food, the culture, the way it feels to walk down a street and see faces that look like yours—these are not small things. They are the reasons people keep coming back, even when the frustrations mount.

But the tension is real. “When you’re in Ghana, you’re faced with reality,” Dela says. “That’s where it gets hard.”

A Call for Something Better

For Dela, the solution isn’t to give up on Ghana. It’s to build something better—together.

“We have to think about how we can make Ghana better,” she urges. “Not just for us in our own tiny spaces. If we can put things into place to make it easier for other people to follow behind us, then we’re doing something good.”

She envisions a network of diaspora businesses supporting each other—a delivery service that entrepreneurs can rely on, a community that collaborates instead of competes. “We have to be links for each other,” she says. “Hold each other strong. When we work together as a team, we build a better Ghana. Eventually, things have to get better for us.”

Because there are people who want to come back permanently. People for whom “small doses” will never be enough.

“They want to come back,” Dela says. “But the reality right now is that they can’t. Financially, it doesn’t make sense for them.”

The Truth-Teller’s Burden

Dela knows that conversations like this can be uncomfortable. She’s heard the criticism.

“I know some of you are going to be like, ‘Dela, you come on here and say so many negative things about Ghana,'” she says, anticipating the response.

Her answer is simple:

“No. I tell you the truth about Ghana. So that you’re not surprised when you come here. Because I want you to have the best experience possible.”

She lives in Ghana. She loves it. She doesn’t see that changing in the foreseeable future. But she also refuses to sugarcoat the reality of diaspora life in 2024.

Ghana is for a certain type of person, she concludes. If you can get over the hurdles, if you can navigate the challenges, it can be beautiful. The food, the culture, the sense of belonging—these are real, and they are powerful.

But the hurdles are also real. And for a growing number of people who love this country, the honest answer is this:

Ghana is home—just not the kind you live in full-time anymore.

For more perspectives on diaspora life in Ghana, stick with Ghana News Global (@ghananewsglobal on all social media platforms).

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“Living in Ghana Taught Me to Slow Down”: Diaspora Creator Shares How She Found Patience and Purpose in Everyday Life

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For many in the diaspora, moving to Ghana comes with dreams of reconnection, culture, and community. For lifestyle creator @simplyysong, it also came with an unexpected lesson: patience.

In a warm and widely shared Instagram post, the content creator documented a quiet moment making sobolo, Ghana’s popular hibiscus drink, while reflecting on how daily life in the country has reshaped her relationship with time.

“Living in Ghana requires a lot more patience than I’m used to,” she wrote. “Every day is teaching me how to slow down.”

Culture Shock, One Queue at a Time

In the accompanying video, @simplyysong speaks candidly about the everyday realities that initially tested her nerves — and eventually softened her outlook.

“If you don’t have patience and you want to learn patience in three months, book a ticket to Kotoka International Airport in Accra,” she joked.

From salon visits that stretch far beyond the expected timeframe to quick grocery runs delayed by offline payment systems, she describes a rhythm of life that doesn’t bend to urgency.

“At first, it really irritated me,” she admitted. “I honestly thought that would be one thing that would make me want to move home.”

From Frustration to Reflection

But instead of pushing her away, the slower pace forced deeper reflection.

“Why do I want to move so fast?” she asked in the video. “What is going on that I need to rush through life like this?”

Over time, the inconveniences became lessons — reminders to be present, to breathe, and to reconsider a culture of constant motion many in the West take for granted.

While she doesn’t romanticize the challenges — noting that some things can still be annoying — she frames the experience as transformative rather than burdensome.

“Life is once,” she said. “We have to enjoy it.”

A Familiar Story for the Diaspora

Her reflections are consistent accounts of many other diasporan returnees, particularly those navigating life in Ghana or considering relocation.

The post, tagged #DiasporaLife, #SlowLiving, and #GhanaExperience, taps into a broader conversation about returning home — not just geographically, but emotionally and spiritually.

For @simplyysong, Ghana has become more than a destination. It’s a teacher — one that insists on stillness, resilience, and appreciation for the moment, even when the POS is down and the line isn’t moving.

And sometimes, that lesson comes best with a glass of sobolo in hand.

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GH Living

Why Falling Food Inflation Isn’t Bringing Down Everyday Grocery Prices in Ghana – Economist Explains

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Ghana’s headline inflation has dropped sharply to 3.8% in January 2026 from 23.5% a year earlier, yet many households still feel the pinch of high food costs.

Economist Dr. Adu Owusu Sarkodie appeared on TV3’s New Day program to clarify why the celebrated decline in inflation isn’t translating into noticeably lower prices at markets and shops across the country.

Dr. Sarkodie stressed a key distinction: a falling inflation rate does not mean prices are dropping overall. Instead, it indicates that the rate at which prices are rising has slowed significantly.

“Between January 2025 and January 2026, general price levels increased by just 3.8%, compared to a 23.5% rise the previous year,” he explained. “Prices are still going up—just much more slowly.”

The disconnect becomes clearer when inflation is examined through disaggregated lenses—regional, district, and item-specific breakdowns—rather than the national average alone.

Regional Variations Hide Uneven Realities
Ghana’s 16 regions show stark differences. Eight regions recorded inflation below the national 3.8% average, while the other eight exceeded it. The Northeast Region tops the list with 11.2% inflation, followed closely by the Volta and Eastern regions. Residents there are likely to report persistent high costs. In contrast, the Savannah Region posted a negative inflation rate of -2.6%, meaning general prices actually fell slightly—offering relief to households in that area. Dr. Sarkodie highlighted the intriguing contrast between neighboring northern regions: Northeast (highest inflation) versus Savannah (lowest), calling for deeper investigation into local dynamics such as supply chains, agriculture, and market access.

Item-Specific Differences Shape Household Experiences
Even within the same region, what people buy most determines how inflation feels. Transport inflation has turned negative due to recent fuel price reductions, benefiting those who rely heavily on commuting or logistics.

Conversely, month-on-month increases remain high in categories like fruits and nuts, vegetables, food and non-alcoholic beverages, oils and fats, and water—items central to daily meals.

On the flip side, some staples saw price relief: fruits and vegetable juices, cereals and cereal products, and fish/seafood recorded negative month-on-month inflation.

“Depending on what you consume most, your personal inflation could be positive on your pocket or negative,” Dr. Sarkodie noted. “Someone spending heavily on transport feels the relief more than someone buying mostly fruits, vegetables, or oils.”

District-Level and Consumption Patterns Add Layers
Beyond regions, district-level data collection from various markets reveals further disparities. Combined with individual consumption patterns, this explains why some Ghanaians question official figures while others sense improvement. The economist urged policymakers and the public to move beyond headline numbers and examine these breakdowns for a more accurate picture of living costs.

As Ghana continues its economic stabilization journey, Dr. Sarkodie’s analysis underscores that while macro-level progress is real, the benefits of lower inflation are unevenly felt—particularly in food, where regional supply issues, seasonal factors, and item-specific pressures keep many household budgets stretched.

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