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1. When you get that first credit alert.
2. When all the debit alerts enter and the money starts disappearing.
3. When your parents no longer dash you money anyhow.
4. When your siblings start expecting you to buy them all sorts of things.
5. When borrow-borrow family members think you are now an ATM.
6. When you start realising how valuable every single naira is.
7. When your friends start bringing their aso ebi.
8. When you start seeing “bank maintenance charge”.
9. When unexpected expenses come out of nowhere and reduce your salary to chicken change.
10. When you realise you still have to pay taxes, insurance and pension contribution.
