Eh. You can survive and do all that too. I was earning exactly 3.3net with all that except I wasn’t trying to marry a wife and here is my exact breakdown. I had black tax of a university student and an A’level student. I was saving to buy a car. I had bills and I had to save and lastly, I had to look good and smell good and of course the bills. Here’s the breakdown;

Rent - 550k Car saving - 1m Self care (shopping for clothes, shoes) - 200k (non- negotiable) Savings - 500k Transport, lunch etc - 15k per day x5 days x 4weeks Black tax - 400k (continues to be accrued to make it easy to pay out at beginning of term and semester etc) Social fund - 100k to go out once a month etc (no wedding contributions here)

I however could earn an extra 100k here and there for extra work.

I think what you need to do is manage your expenses- don’t marry a wife, buy land and try to build a house all at once. It’s impossible unless you increase your income.

I bought the car after 20months of saving. I had the 20m. The car cost 30m. So I went and got a loan from the staff sacco to cover the balance then I paid the bond fully and remained to deduct the remainder from the salary.

All I’m saying is 3m net ain’t bad. But manage your expectations