For the one everyone calls when the money runs out.

Keep helping the people you love, and still build a future of your own. No guilt, no fights, no sinking.

It starts with one call. School fees for a nephew. A hospital bill for an aunty. Rent for a brother, "just this once". A church launching. A burial in the village.

Each request sounds reasonable. Each one comes from someone you love. And somehow, at the end of every month, everybody's need has been met except yours.

IS THIS YOU?

☐ Your phone rings differently when word gets out that money has come in.

☐ Every emergency finds its way to you, even when others could help.

☐ You feel guilty spending on yourself.

☐ Your own plans (a house, a course, savings for your children) keep moving to "next year".

☐ When you say "I don't have it", the warmth goes out of the conversation.

If you ticked one or two, this book was written for you.

WHY I WROTE IT

"When I made my first millions, I had a plan for every kobo: a new home, a Master's degree, a business for my wife. Then the calls started. The Master's was the first thing to go. When the money slowed down, the requests didn't. I didn't write this because I stopped loving my family. I wrote it because I learned, the hard way, the difference between supporting your family and sinking for them."

Ndubuisi C. Ariole

This is NOT a book that tells you to stop helping. It is a system for helping without sinking.

IN 30 DAYS, YOU WILL HAVE:

✔ One fixed amount for family support each month, decided once, not at every call

✔ A calm answer ready for every request, including the ones you must say no to

✔ Money set aside that nobody else can touch

✔ A plan to share the load with your siblings, so it no longer rests on you alone

WHAT'S INSIDE

✔ The Emergency Test: 5 questions to ask before money leaves your hands

✔ The Family Support Budget: decide once a month what goes home, and stop deciding at every call

✔ The Kind No: how to say "I can't" and keep the relationship

✔ 58 word-for-word scripts for parents, siblings, in-laws, friends, church and mosque

✔ The Lending Rules: lend to family without losing the money or the person

✔ Weddings, funerals, aso-ebi and church harvests: set your amounts once a year

✔ Married with two families: a money agreement for couples

✔ Living abroad: 8 rules for supporting home from far away

✔ A 30-day plan to put it all to work

12 tools. 58 scripts.

A SAMPLE SCRIPT (Chapter 9)

"Mummy, I understand. This month, I've already sent what I set aside for you, and the rest is for rent and the children's fees. Let's look at this together when your money comes on the 5th."

For men and women. Salary earners, business owners, traders and people abroad. Nigeria, Ghana, Kenya, South Africa and beyond.

December is coming: weddings, end-of-year visits, January school fees. The heaviest calls of the year. Read it before they start.

✔ Instant download: the PDF arrives in your email the moment you pay.

✔ Private: use any email address you prefer.

✔ Pay by card, bank transfer, USSD or mobile money.

You are allowed to love your family and still have a future of your own.

MY PROMISE TO YOU

Read The Family Tax. Use the scripts. Try the Family Support Budget. If it doesn't help you, email me at [nduczar@gmail.com] within 7 days of buying, and I will refund you in full. No arguments, no hard feelings.

By Ndubuisi C. Ariole, author of Before You Send That Money. General information, not financial or legal advice.

Ndubuisi Ariole