I Earn Up to ₦200k Monthly, But Family Debt and Black Tax Keep Draining Me

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A 28-year-old teacher earning about ₦180,000 to ₦200,000 monthly says years of supporting relatives have left her with little savings and a ₦200,000 cooperative loan. She has funded siblings’ school needs, sent money during emergencies and repeatedly handed over savings without expecting repayment. Her biggest setback came after her younger sister allegedly used their mother’s details to obtain loan-app credit, leaving the family with mounting debt. Although she knows she is being taken advantage of, she struggles to refuse family requests. Her goal is to move out, rebuild her finances and learn how to set boundaries without abandoning the people she loves.

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