₦airaland Forum

I came across this beautiful post about the above topic here https://www.nairaland.com/8571178/someone-earning-100k-naira-should
In the comments, many great minded Nairalanders argued for and against "Marrying with a 100K income" from many perspectives.

This post is all about putting the theories in figures. STAY TUNED .

Now the man (From a supportive family) earns 100K and decides to Marry. That is #1,200,000 per annum (1.2M).
His expected expenditure should look like this:
➡️Cost of wedding =Free (Family Sponsors).
➡️ House rent =Free (Has 2 rooms in his family house).
➡️ Electricity Bill (2K a month X 1 year) = #24,000.
➡️Feeding with wife and kid/s (At least 2K a day X 1 year)= #730,000.
➡️Clothing =Nil (He doesn't change clothes ).
➡️Wife Expenditure = Nil (Her parents supports her and fends for her in his house )
➡️Baby Diapers = Nil (Baby wears Napkin).
➡️ Water (Sachet water and others) =Free.
➡️Baby Food and Groceries (Milk, etc, 5K per month X 1 year) =#60,000.
➡️Transportation to work (500 Naira per day X at least 270 days a year) =#135,000.
➡️Recharge card and Data for our man and wife (#200 a day x 1 year) = #73,000.

TOTAL SO FAR =#1,022,000 (1M, 22K)
Our man will be left with #178,000 (178K) at the end of the year in review.

⚠️You will observe that I was extremely prudent in the expenditure, in the hope that both his family and the wife's family support the marriage which is most times unlikely; what applies is that you the man is the one supporting them instead.

⚠️ I only added basic RECURRENT costs and didn't account for emergencies like Healthcare, or even miscellaneous. I also obviously avoided school fees, baby wears, etc.

❓Can you marry with 100K income? YES & NO!

You can if you already have a room in your parents house, your family and her family is supportive financially and otherwise, you like stress and you are comfortable with your current financial status (as marrying at this stage will give you little room for financial improvement and growth)

But if you desire to grow financially, break the chain of poverty, value your peace of mind, want to give your family the best and live in a city where you pay for rent and other things, then it'll be a suicide mission to marry with a 100K income.

My 2 cents

Just know you are in for a very rough start if you are the only one earning and your wife isn't earning other than having a petty shop.
Things works in marvelous ways tho but not always .

All that aside, where are you people seeing jobs that give 100k? I'm willing to send my CV

NewLife14:
Now the man (From a supportive family) earns 100K and decides to Marry. That is #1,200,000 per annum (1.2M).
His expected expenditure should look like this:
➡️Cost of wedding =Free (Family Sponsors).
➡️ House rent =Free (Has 2 rooms in his family house).
➡️ Electricity Bill (2K a month X 1 year) = #24,000.
➡️Feeding with wife and kid/s (At least 2K a day X 1 year)= #730,000.
➡️Clothing =Nil (He doesn't change clothes ).
➡️Wife Expenditure = Nil (Her parents supports her and fends for her in his house )
➡️Baby Diapers = Nil (Baby wears Napkin).
➡️ Water (Sachet water and others) =Free.
➡️Baby Food and Groceries (Milk, etc, 5K per month X 1 year) =#60,000.
➡️Transportation to work (500 Naira per day X at least 270 days a year) =#135,000.
➡️Recharge card and Data (#200 a day x 1 year) = #73,000.

TOTAL SO FAR =#1,022,000 (1M, 22K)
Our man will be left with #178,000 (178K) at the end of the year in review.

That list above is how you can immediately tell those who are severely disconnected from reality.

When we say poor people are very wicked, this is what we mean.

All I can say is Tufiakwa aaaaaaaaaaaaaa

Doing this in this era is more than engaging in poverty about to 🪝 you up and your wife

— Is it compulsory to give birth the first 3 years?

— Is marriage sponsorship or partnership?

— How many years are you going to buy pampers and baby food?

— What is the country’s minimum wage?

— How do you expect people in rural areas to procreate, or procreation should only be limited to the rich?

— What happened to starting a side hustle?

— How many men above 40k have more than 2 million in their account?

More questions loading………..

Zanzibar1:
Just know you are in for a very rough start if you are the only one earning and your wife isn't earning other than having a petty shop.
Things works in marvelous ways tho but not always .

All that aside, where are you people seeing jobs that give 100k? I'm willing to send my CV

Even if you’re shown the location, the cost of living in that area alone will send you back home. It is twice of what you spend at your place.

It all boils down to location, for Lagos 100k is nothing but for my place Onitsha, Anambra state Omo I earn 40k as a teacher and I feed like a king cos food, accommodation is cheap.
3-rooms and parlour here is 400k ....so tell me why I can't marry with the salary of 10pk with my woman

Tailorcaesar:
➜It all boils down to location, for Lagos 100k is nothing but for my place Onitsha, Anambra state Omo I earn 40k as a teacher and I feed like a king cos food, accommodation is cheap.
3-rooms and parlour here is 400k ....so tell me why I can't marry with the salary of 10pk with my woman

Stop lying to people!

You earn 40K a month, and after transportation and other bills, how much of that is left over for food, let alone savings? E yin oniro oshi... stop deceiving others into poverty with you.

Tailorcaesar:
It all boils down to location, for Lagos 100k is nothing but for my place Onitsha, Anambra state Omo I earn 40k as a teacher and I feed like a king cos food, accommodation is cheap.
3-rooms and parlour here is 400k ....so tell me why I can't marry with the salary of 10pk with my woman

It is genuinely surprising how some people still doubt this, yet the evidence is clear when you factor in location. They forget that in smaller towns and villages, the cost of transport is almost zero because people either walk to their workplaces or rely entirely on personal bicycles and bikes.

Feeding is also manageable because of land access. Even if you don't own the land, you can usually lease a farmland annually. If a family cultivates just two plots every year with staple crops like cassava and maize, tell me how exactly they would ever go hungry?

Housing is where the savings truly become ridiculous. Where I’m from, people pay lower than ₦3k per month for rent, but try getting a decent single room in Lagos for less than ₦15k. The cost difference is massive and applies to everything else. Therefore, the simple truth remains: location is a huge, game-changing factor when calculating a family's financial ability.

But in towns, it can also be done if both parties agrees and are supportive just that the ladies now have been corrupted by online feminism.

Tailorcaesar:
It all boils down to location, for Lagos 100k is nothing but for my place Onitsha, Anambra state Omo I earn 40k as a teacher and I feed like a king cos food, accommodation is cheap.
3-rooms and parlour here is 400k ....so tell me why I can't marry with the salary of 10pk with my woman

This is a big fat lie. How can you live as a king with 40k salary? Bro com’on

I live In kaduna, which is the north where things a far cheaper and i can confidently tell you that 100k isn’t a good salary to marry with.

It is your type that makes the government see 70k minimum wage as the next big thing after sliced bread.

Those that married with that amount are currently living a depressing life, always complaining about money, taking debts and begging.

Seems alot of you don’t like good life. Seems alot of you want to be suffering till you grow old.

Like don’t you want to take your kids to good schools?

Eat balanced diet?

Go on family outing and dates?

Live in a good neighborhood? (Like you want dey live for tranches)

Have good cars? (both husband and wife, abi una want dey fly bike up and down)

Wear good cloths?

As them say 100k wont be enough to marry, instead of you to be living in denial, swallow the harsh truth and start looking for multiple sources of income. Else you go suffer no be small.

dreamxhaser:
This is a big fat lie. How can you live as a king with 40k salary? Bro com’on

I live In kaduna, which is the north where things a far cheaper and i can confidently tell you that 100k isn’t a good salary to marry with.

It is your type that makes the government see 70k minimum wage as the next big thing after sliced bread.

Those that married with that amount are currently living a depressing life, always complaining about money, taking debts and begging.

Seems alot of you don’t like good life. Seems alot of you want to be suffering till you grow old.

Like don’t you want to take your kids to good schools?

Eat balanced diet?

Go on family outing and dates?

Live in a good neighborhood? (Like you want dey live for tranches)

Have good cars? (both husband and wife, abi una want dey fly bike up and down)

Wear good cloths?

As them say 100k wont be enough to marry, instead of you to be living in denial, swallow the harsh truth and start looking for multiple sources of income. Else you go suffer no be small.

— Even if 40k is small, let’s consider ₦100k, doesn't that base salary give a smart person enough leverage or stability to develop other reliable sources of income?

— Considering spousal collaboration, if his wife is contributing another ₦40k, couldn't they pool their resources to successfully start a small POS business or provision store?

— Let's be realistic: Do having expensive cars and a big house truly guarantee a stable and happy family life?

— Are all the children raised in absolute luxury automatically better or more successful than those who grew up living average, yet structured, lives?

SpencerForbes:
— Is it compulsory to give birth the first 3 years?

— Is marriage sponsorship or partnership?

— How many years are you going to buy pampers and baby food?

— What is the country’s minimum wage?

— How do you expect people in rural areas to procreate, or procreation should only be limited to the rich?

— What happened to starting a side hustle?

— How many men above 40k have more than 2 million in their account?

More questions loading………..

Yes, it is in Nigeria because that is the only reason why Nigerians get married.

We4all:
Yes, it is in Nigeria because that is the only reason why Nigerians get married.

Anyone operating with that kind of mentality truly lacks the vision for a strategic marriage. Marriage is fundamentally a union of two partners collaborating to build a solid home and a family legacy. While we eventually marry to have kids, the primary function is setting that foundation first.

There is absolutely nothing wrong with having a family, but spending the first two years planning for the first child's arrival is what defines a strategic couple. Once that first child has grown and your capacity has increased, you can comfortably think about having a second.

The takeaway is this: strategic planning must happen before that first child arrives, because that is precisely where the real financial issues begin

That’s why we have family planning and counselors everywhere.

And wheelbarrow pushers are married with 4 children, feeding well.

Many of you want to show off, if your kids don't attend private schools, you will see it as a failure

My salary per month is unstable.

Some months I may see 100k
Others 300k

Not a salary earner sha

SpencerForbes:
— Even if 40k is small, let’s consider ₦100k, doesn't that base salary give a smart person enough leverage or stability to develop other reliable sources of income?

— Considering spousal collaboration, if his wife is contributing another ₦40k, couldn't they pool their resources to successfully start a small POS business or provision store?

— Let's be realistic: Do having expensive cars and a big house truly guarantee a stable and happy family life?

— Are all the children raised in absolute luxury automatically better or more successful than those who grew up living average, yet structured, lives?

You don't have to live in a big house, but a decent accommodation is very important for one's mental health.

I see men getting married while living in one room apartment and I wonder how they cope. The truth is, there is always a difference between kids brought up in a refined neighborhood, and those brought up in a 'face me, I face you apartment.

22o62021:
And wheelbarrow pushers are married with 4 children, feeding well.

<sup>Many of you want to show off, if your kids don't attend private schools, you will see it as a failure

My salary per month is unstable.

Some months I may see 100k
Others 300k

Not a salary earner sha</sup>

Did you just say wheelbarrow pushers are married with 4 children, feeding well

22o62021:
And wheelbarrow pushers are married with 4 children, feeding well.

Many of you want to show off, if your kids don't attend private schools, you will see it as a failure

My salary per month is unstable.

Some months I may see 100k
Others 300k

Not a salary earner sha

Some wheel barrow pushers may even earn more than 100K monthly. But that assertion that they feed their children well is pure lies. What is your definition of feeding well? Is it by eating carbohydrates all day?

There is this family man I know that earns over 100K. He has 4 kids and his wife is a private school teacher that earns about 10K. The man uses his bike to do okada as side hustle but things are glaringly hard for him.

The kids are not eating right, and you can tell by their stunted growth. I'm sure just because the man can afford to feed his kids with 3 square meals, enrol them in a private school and provide clothings for them, he thinks he made the right decision to marry on a meagre salary.

But the honest truth is, if he had stopped after giving birth to his first son, things would have been better. Unfortunately, in Nigeria, people see multiple kids as a blessing and feel pity for those who were unable to have more than one kid.

We4all:
You don't have to live in a big house, but a decent accommodation is very important for one's mental health.

I see men getting married while living in one room apartment and I wonder how they cope. The truth is, there is always a difference between kids brought up in a refined neighborhood, and those brought up in a 'face me, I face you apartment.

The people you are talking about are those really struggling—the ones pulling in just ₦30k or ₦40k—and doing it all alone.

The critical difference is that they don't have a hardworking partner, side income, strategic planning or any spousal support. That lack of teamwork is what really kills them. That’s why we keep selecting ₦100k from both parties as the leverage point for discussion. I once read a book, The Millionaire Mindset, which distinguished between people who are actually rich and those who just want to impress others with the perception of wealth. The author noted that those who lived moderately always had spare cash to give than those who went the extra mile to maintain a lavish appearance. Below average income is a struggle, but hitting above minimum wage by both parties definitely gives you the leverage to start planning.

I know a perfect example: A man with multiple shops in Ladipo International Market was intentionally living in a room self-contain. He had the money but firmly decided not to buy cars until both his children had finished university. Now, that man owns more than three cars, and both his daughters are doing exceptionally well.

If being raised in luxury was guaranteed to produce successful children, we wouldn’t have examples like Elon Musk’s child or even children of high-profile political candidates struggling with issues linked to bad influence and a lack of proper home training.

There is no two ways about this:

Luxury without proper training will always create a problematic child, but an average life backed by solid values will always create a good child.

If you know what is good for you. Do t even think of marrying with 100k?

Part two.

This ur part two na fight go end am.

People living on very low income also survive on black tax. They bill the people they assume have more disposable income. So it is rarely strictly their income.

2) The major problem is not the income, but responsibility (family size). Two kids is more than enough for an average family.

Tailorcaesar:
It all boils down to location, for Lagos 100k is nothing but for my place Onitsha, Anambra state Omo I earn 40k as a teacher and I feed like a king cos food, accommodation is cheap.
3-rooms and parlour here is 400k ....so tell me why I can't marry with the salary of 10pk with my woman

abi no be this same onitsha wey I dey Which food is cheap?

Oga house rent in onitsha now is between 600- 1.2m

Osino 400k

22o62021:
✓ And wheelbarrow pushers are married with 4 children, feeding well.
Many of you want to show off, if your kids don't attend private schools, you will see it as a failure
My salary per month is unstable. Some months I may see 100k. Others 300k Not a salary earner sha

Again, poor people are very wicked, no be small. 🤔🤔🤔

Some refered pushers make much more than 100k / month.

But one key fact the OP also mentioned is that the man will not find capacity growth any easy. To raise capital / save fund becomes extremely difficult as the meagre salary is now hardly enough for sustenance talkkess savings

22o62021:
And wheelbarrow pushers are married with 4 children, feeding well.

Many of you want to show off, if your kids don't attend private schools, you will see it as a failure

My salary per month is unstable.

Some months I may see 100k
Others 300k

Not a salary earner sha

Did not read. What is this thread about?

Okay, I glanced through. Anybody making 100K monthly is only securing his lineage in poverty if marriage comes to mind. Two people earning 100K each cannot raise a family and should not consider doing so.

The moderators honestly are the ones encouraging people to open separate threads when they could post opinions and call it a day.

NewLife14:
I came across this beautiful post about the above topic here https://www.nairaland.com/8571178/someone-earning-100k-naira-should
In the comments, many great minded Nairalanders argued for and against "Marrying with a 100K income" from many perspectives.

This post is all about putting the theories in figures. STAY TUNED .

Now the man (From a supportive family) earns 100K and decides to Marry. That is #1,200,000 per annum (1.2M).
His expected expenditure should look like this:
➡️Cost of wedding =Free (Family Sponsors).
➡️ House rent =Free (Has 2 rooms in his family house).
➡️ Electricity Bill (2K a month X 1 year) = #24,000.
➡️Feeding with wife and kid/s (At least 2K a day X 1 year)= #730,000.
➡️Clothing =Nil (He doesn't change clothes ).
➡️Wife Expenditure = Nil (Her parents supports her and fends for her in his house )
➡️Baby Diapers = Nil (Baby wears Napkin).
➡️ Water (Sachet water and others) =Free.
➡️Baby Food and Groceries (Milk, etc, 5K per month X 1 year) =#60,000.
➡️Transportation to work (500 Naira per day X at least 270 days a year) =#135,000.
➡️Recharge card and Data for our man and wife (#200 a day x 1 year) = #73,000.

TOTAL SO FAR =#1,022,000 (1M, 22K)
Our man will be left with #178,000 (178K) at the end of the year in review.

⚠️You will observe that I was extremely prudent in the expenditure, in the hope that both his family and the wife's family support the marriage which is most times unlikely; what applies is that you the man is the one supporting them instead.

⚠️ I only added basic RECURRENT costs and didn't account for emergencies like Healthcare, or even miscellaneous. I also obviously avoided school fees, baby wears, etc.

❓Can you marry with 100K income? YES & NO!

You can if you already have a room in your parents house, your family and her family is supportive financially and otherwise, you like stress and you are comfortable with your current financial status (as marrying at this stage will give you little room for financial improvement and growth)

But if you desire to grow financially, break the chain of poverty, value your peace of mind, want to give your family the best and live in a city where you pay for rent and other things, then it'll be a suicide mission to marry with a 100K income.

My 2 cents

NewLife14:
I came across this beautiful post about the above topic here https://www.nairaland.com/8571178/someone-earning-100k-naira-should
In the comments, many great minded Nairalanders argued for and against "Marrying with a 100K income" from many perspectives.

This post is all about putting the theories in figures. STAY TUNED .

Now the man (From a supportive family) earns 100K and decides to Marry. That is #1,200,000 per annum (1.2M).
His expected expenditure should look like this:
➡️Cost of wedding =Free (Family Sponsors).
➡️ House rent =Free (Has 2 rooms in his family house).
➡️ Electricity Bill (2K a month X 1 year) = #24,000.
➡️Feeding with wife and kid/s (At least 2K a day X 1 year)= #730,000.
➡️Clothing =Nil (He doesn't change clothes ).
➡️Wife Expenditure = Nil (Her parents supports her and fends for her in his house )
➡️Baby Diapers = Nil (Baby wears Napkin).
➡️ Water (Sachet water and others) =Free.
➡️Baby Food and Groceries (Milk, etc, 5K per month X 1 year) =#60,000.
➡️Transportation to work (500 Naira per day X at least 270 days a year) =#135,000.
➡️Recharge card and Data for our man and wife (#200 a day x 1 year) = #73,000.

TOTAL SO FAR =#1,022,000 (1M, 22K)
Our man will be left with #178,000 (178K) at the end of the year in review.

⚠️You will observe that I was extremely prudent in the expenditure, in the hope that both his family and the wife's family support the marriage which is most times unlikely; what applies is that you the man is the one supporting them instead.

⚠️ I only added basic RECURRENT costs and didn't account for emergencies like Healthcare, or even miscellaneous. I also obviously avoided school fees, baby wears, etc.

❓Can you marry with 100K income? YES & NO!

You can if you already have a room in your parents house, your family and her family is supportive financially and otherwise, you like stress and you are comfortable with your current financial status (as marrying at this stage will give you little room for financial improvement and growth)

But if you desire to grow financially, break the chain of poverty, value your peace of mind, want to give your family the best and live in a city where you pay for rent and other things, then it'll be a suicide mission to marry with a 100K income.

My 2 cents

How about 120k? Is there a cut-off point?

Beginning of generational poverty. Bia, b kiaful .

Nothing like balanced diet in that house

Marrying with 100k per month shows you are not a serious human being who loves himself. Smh.

I hen 75k a month, my wife hens 95k and we're happily married with five children

Two good heads will always be better than one.

If a girl is earning 50k, and a man is earning 100k, they can both get married if they are good to each other and will contribute to make their marriage work.

because if they dont get married, the girl earning 50k will still have to survive on her 50k, and the man will still have to survive on his 100k independently.

It is easy for two people to manage 150k together, than for a girl to manage 50k, and the man manage 100k independently.

Just as it it easier for four people to contribute for an uber if they are going the same way, than for each person to hire a ride separately. Marriage is teamwork, not a place for a woman to ride freely on the man’s back

Value should not be money based only, but essence. With two people, growth is easier, one can hold down for the other to go explore and take a bit of risk to increase income.

But if a woman is selfish and only wants to come to marriage and enjoy while being poor herself, then the man is better off alone, you do not need leech in your life. Life is hard already.

I no dey advise anybody again...na your body go tell you if you embark on such journey with 100k monthly salary.

What about married people who suddenly lost their source of income? Should they divorce or separate or be put in special prison program until gainfully employed?. The idea of minimum salary before marriage is crap.

Your forefathers who invented magun and other charms built on validity of marriages, how much were they earning?
Some of those marriages were done with one jar of palmwine and few kolanut seeds yet qualified as marriages and arent inferior to today's marriages.