{"id":18230,"date":"2025-05-15T12:15:17","date_gmt":"2025-05-15T11:15:17","guid":{"rendered":"https:\/\/cowrywise.com\/blog\/?p=18230"},"modified":"2025-05-16T12:38:42","modified_gmt":"2025-05-16T11:38:42","slug":"ope-spoke-about-this-black-tax-will-finish-you-if-you-dont-plan","status":"publish","type":"post","link":"https:\/\/cowrywise.com\/blog\/ope-spoke-about-this-black-tax-will-finish-you-if-you-dont-plan\/","title":{"rendered":"Ope Spoke About This: Black Tax Will Finish You If You Don\u2019t Plan"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>&#8220;It\u2019s not always black and white, really. But what I always try to keep in mind is this: if I don\u2019t plan how I send money for family charity, I\u2019ll either end up bitter\u2026 or broke.\u201d<\/em> \u2014 Ope\u2019s Diary<\/p>\n<\/blockquote>\n\n\n\n<p>Every month, it\u2019s the same thing.<br>You\u2019ve just gotten paid, your rent is due, fuel price has jumped again, your plan is to finally breathe\u2014<br>And then your cousin calls.<\/p>\n\n\n\n<pre class=\"wp-block-preformatted\"><strong>\u201cAunty swallowed a razor blade.\u201d<\/strong><\/pre>\n\n\n\n<p>Suddenly, your salary becomes community property.<br>It\u2019s called Black Tax. And if you\u2019re a Nigerian earning anything decent right now, you already know the script.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nobody Told Us It Would Be This Hard<\/h2>\n\n\n\n<p>With the cost of living skyrocketing, even those with savings are stretched. You want to help, but you\u2019re one emergency away from being the person asking for help.<br>And the sad part?<br>You saw this coming. Or you should have.<br>Because Ope from Cowrywise has been shouting about this since 2022, through Ope&#8217;s collection of witty and wise financial stories, &#8220;Ope&#8217;s Money Diary: 21 Short Stories on How Money Works.&#8221;<\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2025\/05\/CHAPTER-15_-SHE-SWALLOWED-A-RAZOR-BLADE_-\ud83e\ude92-\ud83d\udde1\ufe0f-online-video-cutter.com_.mp3\"><\/audio><\/figure>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-spotify  wp-block-social-link\"><a href=\"https:\/\/open.spotify.com\/show\/7CdeCUO7kabGRuL0AwiqIZ?si=07cb360e24e340d3\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,2C6.477,2,2,6.477,2,12c0,5.523,4.477,10,10,10c5.523,0,10-4.477,10-10C22,6.477,17.523,2,12,2 M16.586,16.424 c-0.18,0.295-0.563,0.387-0.857,0.207c-2.348-1.435-5.304-1.76-8.785-0.964c-0.335,0.077-0.67-0.133-0.746-0.469 c-0.077-0.335,0.132-0.67,0.469-0.746c3.809-0.871,7.077-0.496,9.713,1.115C16.673,15.746,16.766,16.13,16.586,16.424 M17.81,13.7 c-0.226,0.367-0.706,0.482-1.072,0.257c-2.687-1.652-6.785-2.131-9.965-1.166C6.36,12.917,5.925,12.684,5.8,12.273 C5.675,11.86,5.908,11.425,6.32,11.3c3.632-1.102,8.147-0.568,11.234,1.328C17.92,12.854,18.035,13.335,17.81,13.7 M17.915,10.865 c-3.223-1.914-8.54-2.09-11.618-1.156C5.804,9.859,5.281,9.58,5.131,9.086C4.982,8.591,5.26,8.069,5.755,7.919 c3.532-1.072,9.404-0.865,13.115,1.338c0.445,0.264,0.59,0.838,0.327,1.282C18.933,10.983,18.359,11.129,17.915,10.865\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Spotify<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-youtube  wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/watch?v=-9VY3duz5vE\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u201cShe Swallowed a Razor Blade?\u201d \u2014 Ope Already Wrote This Chapter<\/h2>\n\n\n\n<p>In &#8220;Ope\u2019s Money Diary,&#8221; there\u2019s a story titled exactly that. It\u2019s hilariously relatable\u2026 until you realize it\u2019s your life.<br>Ope shares receiving a similarly ridiculous family message and, more importantly, how Ope learned to draw the line between supporting family and financial self-sabotage.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>&#8220;Black tax has a silver lining\u2026 But if you\u2019re unable to take care of your own needs because you\u2019re too busy helping others, that\u2019s a problem.&#8221; \u2014 Ope, from &#8220;Ope&#8217;s Money Diary&#8221;<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">The Problem Is Not Helping\u2014It\u2019s Not Planning<\/h2>\n\n\n\n<p>Black tax isn&#8217;t inherently evil. As Ope acknowledges, it\u2019s often rooted in love, community, and shared survival. But without structure, it will drain you dry.<\/p>\n\n\n\n<p><br>Ope figured out a better way, a strategy detailed in Ope\u2019s diary. Ope&#8217;s approach?<br>Ope explains, &#8220;I dedicate a percentage of my monthly income to family charity.&#8221; This isn&#8217;t a limitless fund. It&#8217;s a planned amount.<br>And how does Ope stick to it? &#8220;My locked savings plan on Cowrywise helps me with this,&#8221; Ope writes. &#8220;I know that if I take out of my own money dedicated for personal expenditure to do charity, I wouldn\u2019t have anything else to fall back to. My savings are locked, and I can\u2019t unlock them.&#8221;<\/p>\n\n\n\n<p><br>This allows Ope to set boundaries. &#8220;So when my village people keep asking for money after I have already sent them all the money dedicated to family charity, I simply say no.&#8221;<br>It gives Ope peace and control, ensuring Ope doesn&#8217;t become &#8220;that bitter relative that does not send anything or be that angry Nigerian that has given all their money to black tax and now they don\u2019t have anything else.&#8221; Ope&#8217;s guiding principle comes directly from the Cowrywise philosophy: &#8220;I follow the first word of Cowrywise\u2019s motto: Plan.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You Can Now Hear Ope&#8217;s Full Story in the Audiobook of &#8220;Ope&#8217;s Money Diary&#8221;<\/h2>\n\n\n\n<p>If you haven\u2019t read &#8220;Ope&#8217;s Money Diary,&#8221; good news: You don\u2019t have to sit and read anymore. It\u2019s now an audiobook<\/p>\n\n\n\n<p>You can now:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hear Ope break down real Nigerian financial pressures, like Black Tax.<\/li>\n\n\n\n<li>Learn practical ways to plan for family support without going broke, using strategies Ope personally applies.<\/li>\n\n\n\n<li>Laugh (and maybe cry a little) through your shared financial trauma. \u2013 On the go! In traffic, on your walks, or while cooking.<\/li>\n<\/ul>\n\n\n\n<pre class=\"wp-block-verse\"><strong>Before You Send That \u201cLast 10k\u201d This Month\u2026<br>Pause.<br>Put on your earphones.<br>Listen to Ope.<br>Learn to plan for Black Tax before it plans for you.<\/strong><\/pre>\n\n\n\n<p><strong>Start the audiobook <\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-spotify  wp-block-social-link\"><a href=\"https:\/\/open.spotify.com\/show\/7CdeCUO7kabGRuL0AwiqIZ?si=07cb360e24e340d3\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,2C6.477,2,2,6.477,2,12c0,5.523,4.477,10,10,10c5.523,0,10-4.477,10-10C22,6.477,17.523,2,12,2 M16.586,16.424 c-0.18,0.295-0.563,0.387-0.857,0.207c-2.348-1.435-5.304-1.76-8.785-0.964c-0.335,0.077-0.67-0.133-0.746-0.469 c-0.077-0.335,0.132-0.67,0.469-0.746c3.809-0.871,7.077-0.496,9.713,1.115C16.673,15.746,16.766,16.13,16.586,16.424 M17.81,13.7 c-0.226,0.367-0.706,0.482-1.072,0.257c-2.687-1.652-6.785-2.131-9.965-1.166C6.36,12.917,5.925,12.684,5.8,12.273 C5.675,11.86,5.908,11.425,6.32,11.3c3.632-1.102,8.147-0.568,11.234,1.328C17.92,12.854,18.035,13.335,17.81,13.7 M17.915,10.865 c-3.223-1.914-8.54-2.09-11.618-1.156C5.804,9.859,5.281,9.58,5.131,9.086C4.982,8.591,5.26,8.069,5.755,7.919 c3.532-1.072,9.404-0.865,13.115,1.338c0.445,0.264,0.59,0.838,0.327,1.282C18.933,10.983,18.359,11.129,17.915,10.865\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Spotify<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-youtube  wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/watch?v=-9VY3duz5vE\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li><\/ul>\n\n\n\n<p><strong>Your bank account (and your sanity) will thank you.<\/strong><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;It\u2019s not always black and white, really. But what I always try to keep in mind is this: if I don\u2019t plan&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2634,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[330],"tags":[],"coauthors":[463],"class_list":{"0":"post-18230","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-opes-diary"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ope Spoke About This: Black Tax Will Finish You If You Don\u2019t Plan - Cowrywise Blog<\/title>\n<meta name=\"description\" content=\"Black Tax draining you in Nigeria? Ope from Cowrywise shares practical planning tips in the &#039;Ope&#039;s Money Diary&#039; audiobook. 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