The Black Tax Playbook

Every month a share of your income goes home to parents, siblings, cousins and sometimes the wider community. You do it out of love and duty, and you would not stop. But you are also quietly wondering where your own future went.

This book is not about cutting off your family. It is about carrying family obligations without being crushed by them. You begin with an honest audit of what you owe and what you actually give, then build a black tax budget that makes room for both your family and your own goals. From there you explore SACCO strategies, where to park your money, buying your first share on the Nairobi Securities Exchange, and putting M-Pesa and a chama to work.

Further chapters cover an emergency fund and insurance, budgeting on irregular income, and the basics of land and property before you sign anything. The last chapter pulls it all into a single wealth plan.