A house for my mom - or Reinvesting in my Biz? — Black tax dilemmas
A house for my mom - or Reinvesting in my Biz? — Black tax dilemmas
If you’ve ever poured every shilling of profit or even entire income into family support or black tax obligations, you know how heavy this common struggle feels.
The key question: how do you support your loved ones without risking your business or carrying constant guilt?
To unpack this, we sat down with Otachi, who shares a real-life example and practical ways to balance family responsibility with long-term business sustainability.
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What Does This Situation Look Like in Real Life?
Tutumie real example design Otachi anaradisha,
“Kuna a taxi driver who is doing very well hadi ako na 7 drivers. Wanafanya job but ana’spend all his income in building a house for his mother huko upcountry. Hana anything left for repairs za gari ama ku’improve biz.”
Now since hii story yake ni common, the real question is: how do you navigate such a situation without killing the business?
Reframing the Goal Without Breaking Trust
First, unafaa ku’reframe the goal, hii sio choice between family and biz.
Otachi ana’elaborate, ndio u’sustain your family in the long term, ina’depend entirely on whether biz yako itafail ama ita’succeed. Aki emphasize juu ya compassionate communication.
“Lazima ukae down with your family, and explain the strategy, not the rejection, cause thats what they think it is. Mwambie kitu kama, ‘Mom for me to finish this house na nikushughulikie for life, I must keep the business strong”.
Propose a practical, visible plan, kama kujenga in slower phases, so progress inaendelea bila financial strain.
Why a Non-Negotiable Financial Rule Protects Everyone
Halafu, implement a non-negotiable financial split. From profits yako yote, automatically allocate kitu kama 20% back into business security.
“Half for reinvestment: maintenance, upgrades, or growth savings. The other half goes into a personal emergency fund. Hii si kukuwa selfish. It is your family’s ultimate safety net that you are building.” He explains.
Bila hiyo, one crisis can wipe out both the business and the dream you’re building for your family.
How to Build a Strong Foundation for Family and Business
Ni muhimu sana kuprotect the asset that feeds everyone. See reinvestment not as taking from your family, but as investing in your ability to provide for them permanently.
In short, una’ balance both by making the business sustainable. Communicate with love, but enforce a disciplined financial rule.
You are not choosing between them. As Otachi explains,
“Unabuild a stronger foundation so that both your family na biz watathrive.”
By protecting the business, planning carefully, and showing consistent progress, you ensure that family support and business growth reinforce each other rather than compete.
