Black Tax : A very controversial thing. Black tax is a hindrance to wealth creation in Africa. The amount of begging in the African set up is astonishing. When a man gets a job, he is immediately given dependents even before his first salary and in most cases, parents of the dependents are still alive. Just when one gets his first salary, the whole family gathers to come and share the income and in most cases, their expectations are by far more than actual income earned. At this point, the gentleman becomes attracted to a woman folk in the area and immediately gets himself a girlfriend. Just after the first date, the man now adopts not only the girl but her whole family and in a matter of days, the man becomes the sponsor of both his family and the girl’s family. Then comes Lobola. Nowadays one needs to get a loan to afford lobola. After getting a $10k loan to pay for the wedding and lobola, come rainy season both parents come to ask money for fertilizer. Just as they start to settle in their lives the wife is given two of her sisters and a brother to lie with bringing the number of dependents in the household to 6. The couple is never given the chance and time for a honeymoon getaway. Within the 1st 6 years of marriage, 4 children are already born bringing the number of dependents to 10 therefore calling for another loan to help around. By the time a African man is retiring, they would have had up to 15 - 20 dependents who never bother to get a job or something to help out because they have a" saviour" who works on their behalf. Wealth is unlikely to be created because the African culture doesn’t allow for savings. After saving a large sum of money you immediately get a call from your Dad saying, “Aunty Betty has swallowed a razor blade. Send some money ASAP”. If we need to eradicate the poverty curse, we need to break this norm and normalise working hard for ourselves while we still can.