Refilwe Sambo Lamola and Financial Advisor Ntombi Valla Masuku discuss Black Tax in South Africa, which is the financial and social responsibility that successful Black individuals carry to support less affluent family members. This cultural expectation stems from the legacy of apartheid, income inequality, and limited intergenerational wealth. Black Tax involves regular financial contributions to cover basic needs, education, housing, and emergencies for extended family. It often places a significant burden on first-generation professionals, especially the eldest children, who feel obligated to "pay back" sacrifices made by their families. Despite its challenges, Black Tax reflects a spirit of Ubuntu (collective responsibility) but also highlights structural economic disparities that make wealth accumulation difficult for Black individuals Black Tax is not legally mandated but socially pervasive, affecting financial planning and wealth-building efforts for many.​