I send money back home to my relatives abroad. I've lacked disposable income and struggled to save - saying no can be tough.

"After I had a child of my own, I decided to set boundaries around how much money I send to relatives back home. The pressure had made it hard for me to save and budget."

"Growing up, I saw my parents sending money back home, which set a precedent. Family in Senegal expected my parents to help out financially if needed, so that expectation transferred to me."

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