₦airaland Forum

Kobojunkie:
Financial security is not about longevity of marriage. Rather, it is about ensuring that marriage is an upgrade for both the individuals in the marriage and the children they produce.

If you enter marriage in poverty, you are guaranteed not only to remain poor, but also to have generations of your children also in poverty. However, financial security before marriage not only ensures you and your spouse the benefits of marriage— these benefits are not automatic— but also helps you better create an environment where your children have a better chance of escaping poverty, even if it happens to you, their parent, much later on, than if you were always in poverty from the get-go.

Financial insecurity is a major source of stress in all marriages. So, going into marriage with this stress already hanging over your head is an assurance of more troubles to come, for you and your children to come.

Ok

What is the point if the financial security cannot secure the longevity of a marriage that is suppose to be a life time union.

Anyways, financial status can change at any point in a marriage.

Planning marriage with an income of a 100k is relative. It depends on you, your leverage and the proposed wife.

In 2025, no couple relies on the income of the man alone. Even if you earn 1m and your wife isn't ready to work and bring something to the table (no matter how small), it will be better you cancel that wedding.

Back to my story, you need to consider a number of things. In Lagos today, I know some people earning 100k and they're married! The wife runs a business and makes her own money, the husband gets a salary and drops money for foodstuffs and other things in bulk at the end of the month. As time goes on, they plan and implement some growth career-wise and business-wise before children starts coming in.

Especially when you live outside Lagos, Abuja, Asaba and Port Harcourt, if you're prudent enough, trust me, you will live comfortably well with a 100k salary with your wife.

So as a 100k earner, if you do well to plan yourself to add some other streams of income and your wife is also working and training her own money all in a space of one year, you will live a life better than those earning 250k with no other sources.

Be calming down

Kobojunkie:
Of course not! 🥱🥱🥱

Sickness and medical emergencies no dey happen to poor people or their wives. Na so that pregnant women wey her husband no fit pay hospital leave the mother and unborn child to die like fowl some months alone. Poor people are literally very wicked! 🥱🥱🥱

Nazgul:
I was of the opinion that it was per year especially after my initial post with the onitsha guy.

Nah, it is not. I was confused the first time I saw it online too. I think some of them are even allowed to pay monthly.

mhmsadyq:
➜Ok. What is the point if the financial security cannot secure the longevity of a marriage that is suppose to be a life time union.
➜ Anyways, financial status can change at any point in a marriage.

1. Financial security does not and cannot even guarantee you or me a long life. So why would you think it should be able to guarantee you longevity in marriage? Na magic?

2. Yes, even in life, it can change. But that knowledge and experience one gains while pushing for and living in financial independence remains with one.

Do you know one of the major reasons why it is harder for those who were born and raised in poverty to rise above poverty? It is the general lack of access to information and know-how(connections and decision-making skills to handle risks included) necessary for fulfilling themselves. This is something children born into financially secure situations mostly have access to more than children who were born into poverty.

People who can claw themselves out of poverty —gain financial independence before marriage —obtain this information and know-how, which they are then able to pass on to their children, even if they are not able to maintain that security until their children are all fully grown, for other reasons like life and circumstances.

Labeebhabiby:
As if na so e easy u no put hospital bills oo, sickness na part of life

Two individuals each earning ₦100k per month can pull a total of ₦2.4 million in a single year. If they strategically suspend having a child for two years, they can accumulate approximately ₦4.8 million in gross income. Even after conservatively removing ₦3 million for all necessary living expenses over those two years, they are left with a massive capital reserve of at least ₦1.8 million.

Now, integrate side hustles:

if the man starts a POS booth earning ₦20k profit and the woman earns another ₦20k profit from cloth vending, that’s an additional ₦40k monthly. Over those same two years, they net almost another ₦960k from the side hustle alone. Their combined total savings easily surpasses ₦2.5 million. I ask you now: will routine hospital bills truly consume that entire ₦2.5 million reserve?

That, in its simplest form, is the definition of strategic planning

Kobojunkieee:
. That you know millions of people doing it does not make it less wicked a thing for them to do. Anyone who would knowingly inflict generational poverty on their own lives and that of their children is wicked.

anyone who will let his lineage die out nko
What are they ?
You may choose to run and hide, ppl fight on

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

please brother can you link me up with an agent, I need house in Onitsha.

Kobojunkieee:
. That you know millions of people doing it does not make it less wicked a thing for them to do. Anyone who would knowingly inflict generational poverty on their own lives and that of their children is wicked.

what about anyone that refuses to prolong their lineage

That they can doesn’t mean they should. Thought processes like those are why my former supervisor couldn’t materialize 30K on a whim at 54 years old. My current gateman is 59 years of age and is owing me six thousand Naira despite having six children in university and two grown ones still looking for jobs. His salary is forty thousand Naira monthly. I believe his wife is a trader in a market.

maasoap:
Of course, they can. The deal is how they want to run their marriage. Having kids immediately or postponed? One or two kids total or more than two? Cost of house rent in area they choose to live, readiness to make extra income and so on

Cromagnon:
anyone who will let his lineage die out nko What are they ? You may choose to run and hide, ppl fight on

. That you think the world as it is needs yet another poverty-ridden lineage speaks volumes.

Koppaguard:
please brother can you link me up with an agent, I need house in Onitsha.

U don't need agents dey will milk u dry,
Agent money dey pass landlord money
If U are ready I can help you look for house free of charge

annayawchee:
na now u talk nah

Okpoko is not onitsha

Thank you sir.

Onitsha has out grown ONITSHA NORTH AND SOUTH, now Onitsha covers oba, Okpoko, AWADA fegge inland-town, omaba phase 1 and 2, gra Nkpor etc

I said 7k monthly

Nazgul:
So technically you pay 7k per room for a year.

Bro, in 2018. A room in my village was 12k per year. And you want me to believe that in 2025, a landlord in onitsha of all places would collect 14k for 2 rooms every year from you.

What do you want him to use that money for?

Abeg sufry de lie.

Bro I no go force person daughter to follow me oooo
If she sees my financial status and feels like to join me, who am I to stop her....
But please note this I believe die hard hustler I no dey stay one place

Kobojunkie:
You shouldn't be dreaming of a car, but you should be dreaming of adding another human being to the equation? You people literally hate women and children since you consider them cheaper to get than a car.

Tailorcaesar:
Bro I no go force person daughter to follow me oooo If she sees my financial status and feels like to join me, who am I to stop her....But please note this I believe die hard hustler I no dey stay one place

. The system, which brainwashes women from childhood into believing their worth can only be defined by their proximity to a man, already ensures that people of your kind will find you a prey, no matter how depraved your intentions. It is sad indeed!

Bro e don do cos insult don dey enter the conversation thanks for your time
Merry Xmas

Kobojunkie:
. The system, which brainwashes women from childhood into believing their worth can only be defined by their proximity to a man, already ensures that people of your kind will find you a prey, no matter how depraved your intentions. It is sad indeed!

Tailorcaesar:
Onitsha has out grown ONITSHA NORTH AND SOUTH, now Onitsha covers oba, Okpoko, AWADA fegge inland-town, omaba phase 1 and 2, gra Nkpor etc

Still doesn't change the fact that okpoko is not onitsha

Tailorcaesar:
U don't need agents dey will milk u dry,
Agent money dey pass landlord money
If U are ready I can help you look for house free of charge 08100337760

Alright Thanks.

Kobojunkie:
. That you think the world as it is needs yet another poverty-ridden lineage speaks volumes.

I don't think anything
You're the one talking with your chest that 90% of the world should not exist because your God or who?
who are you to decide who should have lineage or should not

Kobojunkie:
A man not ready to provide a woman with a life better than she had before marriage does not deserve marriage to her. And any man who thinks his woman should come in to live as he used to is a man who literally hates women in general.

And any man who thinks his children do not deserve a life far better than the one he was given by his own parents and the kids around him while growing up is a man who also hates his children.

It is OK for you not to love yourself. But for you to inflict the same suffering that is your life on others is a clear sign of wickedness!

So back to the main point,
N100k man should never think of marriage.
Just forget it. Because there is no way he will not punish the woman with his lack of funds
No way.

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

Indeed, different strokes for different folks. When I was single, my salary was N45,000, and although that sum had some value back then, I found no compelling reason to marry. However, under the same salary, I met a young woman who was serving as a corps member at the time. It was she who made me believe that marriage was possible, even with the meager salary I was earning. I am not one to beg or seek assistance, but before we knew it, I had accumulated a substantial fund for the wedding. Support came from various quarters, and thus we were wed. This all transpired seven years ago. As of now, my salary stands at N100,000, although I often earn significantly more through my side ventures. She only began a salaried position this year, earning slightly above N100,000. Throughout these seven years, we have weathered both sunny days and challenging times, as any couple does. Through all these, at least I have a car, two children, live in a quite decent 3 bedroom rented appartment. The choice of partner is of significant importance. If you can manage to live comfortably on N100k as a single man, it is certainly feasible to maintain tranquility with an exceptional and compatible woman who will support your growth. If you marry a zombie, the ones everywhere who suck blood and money like the few exes I met before meeting my wife, high BP will finish you if you try my style.

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

most of you are far from the reality on the ground. It may shock you that most of those so-called wheelbarrow pushers are earning far better than most graduates earning N150K monthly.

pansophist:
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 destination, than for each person to pay. 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.

and they both should not bother about having any kids oo

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

Tell us the side hustle you are using to augument. I will give you one task now, please go to your account and just print your monthly statement of account or you can write down the entire monthly income, and you will be shocked to note that you both spend more than double your combined salary.

zedman1:
Indeed, different strokes for different folks. When I was single, my salary was N45,000, and although that sum had some value back then, I found no compelling reason to marry. However, under the same salary, I met a young woman who was serving as a corps member at the time. It was she who made me believe that marriage was possible, even with the meager salary I was earning. I am not one to beg or seek assistance, but before we knew it, I had accumulated a substantial fund for the wedding. Support came from various quarters, and thus we were wed. This all transpired seven years ago. As of now, my salary stands at N100,000, although I often earn significantly more through my side ventures. She only began a salaried position this year, earning slightly above N100,000. Throughout these seven years, we have weathered both sunny days and challenging times, as any couple does. Through all these, at least I have a car, two children, live in a quite decent 3 bedroom rented appartment. The choice of partner is of significant importance. If you can manage to live comfortably on N100k as a single man, it is certainly feasible to maintain tranquility with an exceptional and compatible woman who will support your growth. If you marry a zombie, the ones everywhere who suck blood and money like the few exes I met before meeting my wife, high BP will finish you if you try my style.

Beautiful input. May God continue to bless your home brother. Cheers!

fxexperts:
Tell us the side hustle you are using to augument. I will give you one task now, please go to your account and just print your monthly statement of account or you can write down the entire monthly income, and you will be shocked to note that you both spend more than double your combined salary.

Exactly. Someone on that kind of income must have side jobs and support from family.
If not, doom!

uuzba:
✓ So back to the main point, N100k man should never think of marriage. Just forget it. Because there is no way he will not punish the woman with his lack of funds No way.

Most women in poverty cannot reason for themselves because poverty has the power to drain people's mental capacity to reason about their realities. And most men know this, which is why submission is easily invoked on poor women by poverty men.

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

Don't worry u would soon harm yourself with the two hens

Earning 100k in this presently economy is as good as hell for a single person not to talk of getting married 😂😂😂you go later regret your life lol 😂

Obeiko:
Earning 100k in this presently economy is as good as hell for a single person not to talk of getting married 😂😂😂you go later regret your life lol 😂

Exactly, earning that amount without a substantial extra from side hustle is a dangerous recipe 😁.
Me as a single conservative NON EXTRAVAGANT guy, I know how much I spend a day.

NewLife14:
Exactly, earning that amount without a substantial extra from side hustle is a dangerous recipe 😁. Me as a single conservative NON EXTRAVAGANT guy, I know how much I spend a day.

Whatever extra you bring in that you cannot put together as part of your income is not worth mentioning in this case. If your official income does not exceed the minimum of Naira 670,000 a month for you alone, don't bother marrying or having children.