I Earn ₦1M a Month but Struggle to Save – What Salary Is Realistic in Lagos?

Good afternoon everyone. I’m a young married man with an 8-month-old baby living in Lagos. For the past three years I’ve earned about ₦1 million each month, but I still don’t have up to ₦3 million saved. I’m not a lavish spender—I don’t party or go to clubs—yet money seems to disappear. I have no property or emergency fund. How can I save more effectively and build a safety net for my family? I’d appreciate any advice or strategies. Thanks.

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