I started taking my finances a little seriously about a year ago and I am super-impressed by my growth. While my income has not increased significantly, I have been able to amass over 3 million naira spread over mutual funds, emergency fund, S&P 500, dollar savings, and more. I am just pleased that I started this journey. I plan to retire early and maybe have a mortgage within the next few years. This would’ve been much better without black tax. God help me