Original subtitles

Brother Efosa, I don't know how it happened,

but yes, I'm broke.

[Bro Efosa] Uhm walk me through this

You have no real responsibilities. You are the youngest,

your contribution to mom's upkeep is the least.

Rent and bills, that's about it. So again...

Thats just the situation that I find myself in.

Well, that's too bad... that's too bad.

What does that mean?

It means that I have a lot going on.

For instance, I am getting married soon,

as you well know.

Yes, that Russian woman.

Her name is Anastasia.

Like I said, I am yet to understand how you of all people

can get yourself in such a fix,

unless you are telling me you invested the money.

Did you?

-No... -So, you work

your pay is pretty awesome. You have no kids...

Okay, I get it, brother Efosa. You don't have the money to give me.

Its fine.

No... you don't get the point.

But really, how do you really manage to spend all you earn?

You have to learn to live within your means.

Uhh

[light hearted music playing]

[female voice] Thank you so much for sending in the document.

It has already proven to be so helpful.

[female voice] You're welcome, Ms. Guobadia.

But you know you could have easily printed your bank statement via First Online,

the First bank online banking platform, yes?

[in pidgin] Oh please! Those things are so difficult to navigate.

No. Not ours.

In fact you can view your most recent transaction from First Mobile,

our mobile banking app,

or through WhatApp banking platform.

Im sure once you get hooked on these platforms

you will delete my number and you will never need me again.

[narrator] Most people dont know

-where the money they earn goes. -Thank you.

[narrator] What percentage of your income goes towards food,

transportation or clothes?

Just like in any successful buisness

where you track your revenue and costs.

It is important to track the expenses in our personal lives.

African women need to become the CFOs of their financial lives,

and take control of the income that they earn now,

instead of waiting for the incomes to increase in the future,

before they learn to manage their money.

N150,000 just on aso ebi in the past three months.

[sighs]

Now I understand where all my money is going into.

Uhhm...

SJ, please open your mouth.

SJ, you have to eat.

You know you didnt eat last night.

Hmm? You wont be strong. Okay, one for mommy?

Hey! Guys.

-Wheres my little man? -Soji, where were you?

Daddy where were you?

[chuckles] I was working.

[SJ] Will you help me with my homework?

Uhm,Yeah sure, but why dont we let mommy do that for you?

Okay, shes really fast. Ehn?

He has a play date today, so he has to go take a bath.

Olivia, Olivia!

[Olivia] Yes, Madam.

Come take SJ for his bath so I can drop him at his friends house on my way out.

SJ, come.

-I don't want to go. -Sweetheart, we will all play tomorrow.

-Off you go. -Go take your bath.

[sighs]

Where have you been?

I don't understand.

All night?

I called you, I left you messages, I even waited up for you.

And you're just getting back.

But Adesuwa, you know that when I go out chasing a deal,

I usually stay till its done.

[sighs] I know, but its not fair to leave SJ and I alone all night.

The boy is starting to ask questions.

I knew it! With all the questions he was asking and you know

where was I, I should help him with his home work,

I knew you put him up to it.

How can you say that?

The boy is growing really fast and hes starting to notice things.

I can't help that.

I had to chase a deal that took me all the way to Ikorodu,

and then all the way back to Sangotedo.

Thats a lot.

Look I know you work so hard but you still have to make an effort...

Eh? So, we don't set a bad example.

Oh! Adesuwa, oh God! Will you just please stop bugging.

Am I not doing all of this stuff so that we can have a comfortable life?

-Soj, I know and I understand. -Do you, really?

It looks like when I go out and Im chasing money,

you prefer that I rather stay here and depend on you.

So that you can lord it over me.

That's not fair.

In all the time we've been married,

I never bring it up that Im the one bringing in the money.

Because I believe my money is our money.

Okay so why bring it up now? Why bring it up now?!

Look, I see through all of this, this your act

I see through it and it doesnt fool me because

I know that you are very resentful, thats why I will continue to try.

So if it means that I stay out all night? So be it!

Dont call me, dont be worried.

-Soj, Im sorry. -[exhales]

Im sorry.

Im sorry, I didn't mean to make you upset.

Calm down, Im sorry.

But you too, why are you leaving emojis all over Chinasa's Instagram?

Huh?

-Are you kidding me? -Soj, we're married now.

And people notice these things. Even my friends are starting to ask.

Your friends? Your friends?

Look, Adesuwa, if you don't want me to go anywhere--

-I didn't say that... -or you dont want me to have any friends,

-I didn't say that. -You'd better say that now,

so I'll know that I'm in prison!

-I didn't say that. -Because marriage to you

is a place where you have no friends and you can go nowhere!

[female voice] Ah-ah!

[in Yoruba] Whats the noise about? What is going on?

Mommy, good morning, Ma. Did we wake you up?

Why wont you wake me up ehn?

When you are shouting at my son in his own house so that all the neighbours can hear.

How won't you wake me up?

Mommy, I'm sorry. I didn't know we were disturbing you.

-I was just asking Soji why he was-- -Why what?

[chuckles] Instead of you to think how to relax your body

so that it can produce a second grandchild for me,

you are here fighting and shouting at him every single time!

[in Yoruba] Ah, what a pity!

-Ah. -I am sorry ma.

Sorry for yourself.

[sucks teeth] See, I know what is your problem.

You don't want my son to go out and progress, [in yoruba] right?

You want him to be here, empty-handed.

So you can continue to control him with your money.

But you know what? You have failed.

[in yoruba] You have failed!

Mommy, it's okay.

[in yoruba] Good morning, Ma.

[in yoruba] Oh my son.

[in pidgin] I just came to speak my mind.

[in yoruba] Speak to your wife!

-Handle your wife! -Ah, mommy, we are okay.

[in yoruba] Are you okay?

[in yoruba] Sorry, have you eaten?

Uhm, actually [in yoruba] I'm okay.

-I'm actually going out again. Yes. -Oh, nice.

Some guys called me to talk about a brief I had submitted earlier in the week.

-[phone rings] -So I just came back

so I could tell Adesuwa that...

I'm going to spend the whole day out today again.

[in yoruba] I hope you are sane?

So you are taking permission from your wife to go out?

[in yoruba] Soji, you're the head.

You are the man of the house.

[in yoruba] Do as you please!

Do you hear me?

Do as you like.

[in yoruba] Thank you, Mommy.

[in yoruba] It's because she has a roof over her head. [hisses]

What?

She's my mom, what am I supposed to tell her?

[phone rings] See babe, my, my guys are calling me.

I need to go take a shower, okay.

[Soji] Hello?

[soft music playing]

♪ I'm so indecisive ♪

-[sighs] -♪ I'm so indecisive ♪

♪ I'm so indecisive ♪

♪ Made so many vices, Made so many devices ♪

♪ I'm so indecisive, I'm so indecisive ♪

♪ I'm so indecisive ♪

♪ Made so many devices made so many vices ♪

♪ I'm so indecisive ♪

[knock on door]

[sighs]

Does he not rest, even on the weekend?

Am I the first to owe service charge?

Ah-ah!

[knock on door]

[knock on door]

[male voice] Madam?

[male voice] Madam Zuri?

[male voice in pidgin] Are you inside?

[in pidgin] You have a package.

[sighs]

[sighs]

Ah!

Thanks for agreeing to be our guest!

Tide 2019!

N46,000?

[scoffs]

Hey mami!

You good, need a ride?

[Zuri] No

I've lost track of time

dealing with my financials

Say what now?

I've been trying to figure out where all my money has been going, and girl,

I'm in shock

I don't understand.

Okay, after what Lara said about me being

a liability and not planning correctly and then

tons of questions from my brother.

I decided to figure out where all my money has been going to.

And my dear, again, I'm in shock.

What's shocking you?

The things that I've been spending my money on.

If you want to have a heart attack,

try figuring out where all your money has been going to.

[chuckles] My dear, I'm in shock.

Which is the reason why I'm even calling.

Do we know anyone who's getting married soon?

You mean apart from Olumide?

Haha, very funny.

Okay, sorry. Too soon.

But, in this Lagos? Somebody is always getting married now?

[exhales] Fair enough

I don't know who I indicated interest for asoebi?

'Cause I just got an asoebi, and the card reads, Tide2019.'

Ooh!

It's Tina now. Tina & Deji, Ti-de.

Who is Tina?

Zuri, my sister's classmate that I introduced you to,

the day we met at Circa, before you traveled now?

-Are you joking? -Why?

I don't even know this girl! What is my business with her asoebi?

Uh, okay, calm down, It's not that serious.

We all went to school together, we are all friends.

Even if you don't really remember her.

Exactly! Which is why I'm trying to figure out

why she even invited me to her wedding in the first place,

now offering me asoebi.

How did she even get my address?

Well...

Okay fine, she asked me to be on her bridal train.

And me, I did not want to be alone. So why not invite my besties.

You don't even know this girl, why did you even agree?

She was looking for hot girls to be on her train.

I don't mind.

Zuri, if you see the calibre of their groomsmen,

[in pidgin] If she hadn't asked me, I would have lobbied to be in.

[sucks teeth] Okay, my friend.

I know that you're the most

when it comes to being a social butterfly

-but don't you think this is a stretch? -Well, that one is your business.

Why are you even complaining? Is it not, like, 40,000?

-46,000! -E-he?

What part of broke don't you understand?

Being broke is a temporary condition.

Now becoming social pariah, that's permanent.

Plus, look at that fabric now, Zuri? Aha

I think the girl even subsidized it.

Nevertheless, I do not need another asoebi.

I am returning it.

[in yoruba] What? Zuri...

Don't try it!

Do you want to trend in Lagos again,

and for the wrong reason yet again?

That's not fair now.

Okay, I'm sorry. But please, don't disgrace me.

Uh. See you even complaining, my bridesmaid bill is like 250,000.

Hair, nails, shoes, matching jewelry,

even the contribution for like three showers.

Hmmnn. Well, good luck with that.

I need it. I can't even complain too much,

before they say I'm a single-pringle with [in pidgin] bad energy

Oh babe, let me focus on my makeup. I've been suffering this poor girl.

Who is doing yours?

Me, myself and I.

Remember, I'm broke!

Bye!

Sorry, let me see...

Yeah it's cute. I like it.

[scoffs]

[upbeat music playing]

Wait... this asoebi is so nice.

-Tami, is this that girl's asoebi? -Yes now!. Mad!

And it's not that expensive.

No more rubbish asoebi

unless you are relative or close friend.

No asoebi because why?

Nothing. Just not spending my money on unnecessary things.

Baby girl, the price of the asoebi is not even that steep.

Please, help me tell her.

It's true if it's one every six months.

But ladies, we go to a wedding every other weekend.

-[Zuri] How many 46,000 will I spend? -[Adesuwa] Hmm-nn!

-[Adesuwa]] I mean... -Oh please!

A rich boyfriend will solve this your self-imposed stinginess.

[in pidgin] Plus, truth be told

Asoebi guarantees us better service at weddings.

-Tell her, please. -It is very true.

Alright, so I will sew that, pin this, and we're good to go.

Makamba, please I need pins.

-Yes. -Please, please.

-No? -No!

Yes yes, this is astounding!

-No, Tami wants to shine on your body! -[laughters]

[indistinct chatter]

[music playing playing]

[in pidgin] ♪ You say this love will ♪ ♪ Only bring you issues ♪

[in pidgin] ♪ We've been through many ♪ ♪ Many things from the start ♪

[in pidgin] ♪ Why you want to let ♪ ♪ them tear us apart ♪

[in pidgin] ♪ So many things my eye don't see ♪

♪ You promised that you'd stand by me ♪

♪ You promised that you'd never leave me ♪

[in pidgin] ♪ Now you're giving to me hide and seek ♪

Lagos party, though, I never understand how they spend so much money

for us to come and eat and drink for free.

Uh, I agree, it's so not worth it.

And I'm upset about that asoebi thing.

Not to mention people, making you travel to go and celebrate with them...

-Ah! -Like honestly! Really?

-That one is just too much. -No, Adesuwa don't do that.

-Don't allow Zuri convert you, please. -Thank you.

Even though I should probably

not be adding too much to this conversation,

seeing as Bode pays for everything.

From holidays, to rents, expenses, even my own personal upkeep,

everything you guys.

And I don't even know how much it all adds up to.

It's sounds crazy, right? That I don't know?

-Wow! -It sounds crazy.

Well, it's good for you that you don't know,

but in my case, Soji is the sole provider.

And we all just you know?

[Adesuwa] we still share, we plan and we do everything together in love.

-Hmph, that's sounds lovely. -Hmm-mn!

OK.

Is this not Soji?

-See -Yes.

I thought he was supposed to be up and down Lagos trying to get deals.

That was earlier in the week.

No. This is Demola's 40th birthday bash, this was yesterday.

[Ladun] It was all over social media. He didn't mention it?

Uh, He said he'd pop in there if he finished from work early.

Okay, so why didn't you just go with him?

I work.

I heard that the party was wild.

It was. I trust my Bode,

He will not be doing any wilding without me.

You guys know that I work...

and I can't be wilding with my husband, because I have to work

-and I love my job. -Oh God! What is he doing here?

Who?

Who's that?

-Nobody. -No no, don't do that.

-Oh, my God! -Who? Tell us!

[Adesuwa] Who's who?

I don't want to point but...

Nobody! He's just...

He's just a guy that my firm wants to work it but he's annoying.

He can annoy me anytime.

-But he's cute! Eeek! -I know, right?

Cute guys can be annoying too. I hope he has money.

He definitely looks like he does.

[Adesuwa] No, he might be a scrub.

Or a gigolo.

-You guys! -[Adesuwa] This is Lagos!

[in pidgin] Please, I bind on my friend's behalf.

[indistinct chatter]

No!

Are you sure? Love could be lurking anywhere.

And he might be rich enough so you never have to lament

over 40,000 asoebi again.

Ooo! Shots fired!

Tami, you are so unrelenting with this asoebi matter.

Do you know that a man is not a financial plan?

-[Tami in pidgin] That's your problem. -This guy is here and alone

[indistinct chatter]

[Ladun] You guys, he's looking... act natural.

I am tired.

[Adesuwa] Oh my God.

I am too but this was such a fun time!

[Tami] Don't you want me to drop you at home?

-[Tami] Please now, wait -Let's go back.

But it's raining.

No, I know, my taxi is coming, yes.

We are all meeting next week?

Yes.

[Adesuwa] We should just do like a...

-group air kiss -Bye!

-Zuri, are you sure? -I'm sure.

-[Lara] Zuri are you sure? -Yes, I'm sure.

-Alright baby, bye. -Bye, get home safe. Love you.

No, no! Why did you cancel?

[grunts]

Do you need a ride?

No, I'm, I'm fine.

I'm waiting for my new taxi, the other one just cancelled.

I disagree. You look like you need a ride.

I'm fine. Thank you.

You can go, I'll be fine. My taxi is almost here.

Whoa, it seems like you do not like me,

and I can't remember doing anything

-to warrant that kind of behaviour. -[sighs] OK.

You know what? Please,

It's fine, just get in your car, head home

-I'm fine. Thank you. -Okay, okay!

Good luck, catching a cab, in the rain.

[indistinct chatter]

[scoffs]

Zuri, why did you do that?

Pride definitely comes before a fall.

-[car engine] -Uhh!

[lively music playing]

[exhales]

[sighs]

[in pidgin] Hello, Madam? I haven't heard back from you.

I want to ask you something

[Mechanic in pidgin] Okay, Madam, I can hear you [in yoruba] I'm listening.

Errm...

Do you think you can sell my car?

[in pidgin] As it is?

No. I mean, fix it, sell it, and then you'll get your cut from the sale.

Is that something you can do?

[in pidgin] Madam, that's not my job but I know someone that can help.

Yes, that's fine!

As long as you trust the person, I'm fine with that.

But do you think that maybe you can possibly get me another car?

Something cheaper? Something I can manage for now.

[in pidgin] Yes Madam, I will look out for one, don't worry.

Great, so we will talk more about it tomorrow okay?

Alright, bye Madam.

Thank you.

[upbeat music playing]

Alright.

One down, plenty to go.

[knock on door]

[knock on door]

[knocking continues]

[grunts]

[knocking continues]

[knocking continues]

[in pidgin] Zuri, so you have finally decided to open your door.

-Good evening, Mr. Okeke. -Ehe!

Keep your greetings to yourself.

-Would you like to come in ? -No!

I'm not your visitor.

[in pidgin] I'll stand by the door.

[in pidgin] I'm not here to sell anything. Why haven't you been answering my calls?

I have been out of the country, so...

Ehn?

[in pidgin] Zuri, a fine girl like you, you want to become a fraudster?

You want to to deceive me?

I'm talking about since you came back!

In fact, since the very night that you returned.

Wait, have you been monitoring my movements?

That is not of importance. What is important, is my money.

Where is your service charge?

Where is your service charge?!

I need to settle down and I will pay.

[in igbo] No! Settle what?

That's what you told me before you traveled.

When I came to your place like a normal human being.

[in igbo] "Hey Zuri, your charge is due."

You said, "Relax, Mr. Okeke. Relax."

[in pidgin] You then traveled for over one month without informing me.

Who did you leave behind to pay your service charge?

Uhmm. Mr Okeke, please.

I just want to know if you can please lower your voice.

You have no problems, I will definitely pay

Yes! You must pay.

As far as I'm alive, you must pay. But when is the question?

I'm not sure exactly, but soon.

Mr Okeke, I'm going through a very hard time financially right now,

but I promise you, I will bounce back.

-Okay? -Oh,

I didn't know you are now a basketball.

You will bounce back? [in pidgin] That does not concern me.

Whether you bounce or frog jump, or catwalk.

Just pay me. Pay me my service charge, Zuri.

Eh! This is the problem with all these small Lekki girls.

This is the problem.

I'm sorry?

What are you sorry about?

The fact that you are a Lekki small girl or you are still owing me service charge?

When you are having a rosy relationship with your sugar daddy...

everything sweet, diabetic, you behave yourselves.

[in pidgin] But once things go south in the relationship

-we then have to suffer because of it. -Don't insult me!

-Ohh? -I will pay you.

I will not take or tolerate your disrespectful insinuations.

[tense music playing]

[in pidgin] Hey Zuri, are you raising your voice at me and speaking proper English?

-You want me to throw you out? -[in pidgin] Oh please!

I'm not going anywhere! Okay?

You need to calm down and allow us to speak like adults!

I have a decent job, okay?

[clears throat] ''Madam decent job''

[sarcastically in pidgin] I had no idea. Don't be angry.

[in pidgin] But since I'm illiterate,

can you kindly explain to me how you're broke even with a decent job,

[Narrator] Many women have no idea how much their lifestyle costs.

[in pidgin] I'm listening.

[Narrator] She may not spend recklessly,

but she subconsciously develops a bad habit of spending without intention.

If you don't treat the money you earn with respect,

it will leave you with no respect.

[tense music playing]

[knock on door]

-Yes? -Hey Zuri, Mr Tunde wants you his office.

[sighs]

Its closing time now.

Well, he was asking me something about the Heritage Towers deal youre working on.

[scoffs] Ill do that report tomorrow.

Off already?

Err.

[Mr Tunde] You know, I would assume that after our little talk

you would realize without prompting that you should put in even more.

I am, sir.

[chuckles]

Let me give you some advice. You mind if I sit down?

[Mr Tunde] Ahh.

[Mr Tunde] As I was saying, let me give you some advice.

I see a little potential in you, Zuri

but you know I also see someone whom if

allowed will squander that potential

and I will not allow it.

Tell me something Zuri,

do you feel this job is fitting for you?

It is.

And do you feel you are fitting for this job?

I, I hope so.

I know so, otherwise I wouldnt have hired you in the first place.

Nor would I overlook your many blunders in the past months.

-Uhm. Thank you, Sir. -Look, I'm just one man.

Meaning I have only one vote

and I wont squander that vote on someone who

sees her job as nothing but a ticket to an easy life.

-Im sorry, sir. -I dont want you to be sorry.

All I want you to do is prove to the other partners

and your peers as well that you arent

here just because of some foreign degree.

Thats what they are saying, you know?

And most importantly I want to see again

that young girl of 26

who after a few months of working here, two years ago,

closed a 100 million Naira deal.

[inhales]

-You remember? -Yes, Sir.

Not only how proud I was of you but how proud you were of yourself.

So, I need you to recapture that moment.

Hmm?

Yes, sir.

Otherwise youll be looking for another job.

[Mr Tunde] Anyway,

do have a good weekend, Ms. Guobadia.

See you on Monday.

[sighs] Hmm?

[sad music]

[lively music playing]

[in pidgin] Hey, how you doing?

[Ladun] So youre not coming?

I got your message when I was shopping for a dress to wear tomorrow.

Ah-ah! Youre getting a new dress for tomorrow?

Of course yes.

It will not be heard that Ladun wore the same dress twice.

[laughs] But its a childs birthday.

[sighs] My darling, look. That is where you are wrong, okay?

About 60 percent of the people at the party will not be children.

Take us for example, are we not going?

Yes, but Banke is our friend.

[laughs] Youll be amazed at how many intimate friends people have in Lagos.

Anyway, it wouldve been a really good chance to see you guys and hang out,

especially since I cant make it this evening.

Weve just been hanging out less and less

as a group since Zuri started her money cleanse.

[Ladun laughs]

Money cleanse? I actually love that term.

Anyway, this is whats going to happen

I will drop the kids off with the nanny.

Ill pose for a few pictures, hang around for a bit and

Im off to my massage.

[Adesuwa] Actually, thats what I wanted to talk to you about.

I cant come.

Wait, say what now?

[in pidgin] My dear, it's work.

Honestly, in fact, Im still at work right now

and theres no sight of me closing anytime soon.

[sighs] Look, I dont under you peoples work. I dont get it.

Ill forever just be grateful that Bode married me right after NYSC

and saved me from all of this one. What's this?

Hmph, lucky you!

And then I start to wonder, with you so averse to anything work,

if Bode wasn't doing all these things, what would you do?

No, Adesuwa, dont ask me JAMB questions, please.

Why did you say you called me again?

Look, that Im going to miss the party doesnt mean SJ should miss it too.

In fact, he would sulk for a whole month.

So, I wanted to ask if you could please pick him up and take him with your kids?

Of course, my darling. But wait, what of his father?

Well, the way I hardly see Soji...

Actually, hes been chasing some contracts

and I cant really argue with that.

My love, wait. I hope your mother-in-law is not around

because I can always feel when that woman is judging me and I dont like it.

[chuckles] Dont worry, shes gone back to her house in Festac.

Hmmn. Okay.

[Ladun] I will send you pictures of our little munchkins having fun

-All right, my love. Thank you. -Bye.

Hey mama!

[laughs]

You look super exhausted, are you okay?

Do you know what?

Let me wash this off my face so I can smile a little better

-and Ill get us some wine, okay? -Oooh!

Yes! I will be right back.

-[slow music playing] -[tuts]

-♪ I'm so indecisive ♪ -[sighs]

-[Lara] Hey babe. Whats good? -♪ I'm so indecisive ♪

[sucks teeth] Hmm!

Nothings popping.

-I cant see straight. -Ahh.

[in yoruba] What's wrong?

My dear, work wants to kill me.

[purses lips] Well, hard work is good. So, Im sure that youll be fine.

[groans]

Wheres Ladun?

She went to get wine.

[sighs] Mr Tunde read me the riot act today.

Why, what happened?

[sighs] I mean, there is some truth in want hes saying.

I could try a little bit harder. I guess.

Oh babe. Well, at least you know that you could do better.

And that is the most important first step.

So, just do better and everything will be fine.

[sighs]

-You look pretty. -Thank you. [chuckles]

[in pidgin] So babe, whats the plan tomorrow?

I hope youre not still going to that stupid party.

Wow, Lara, come on now.

-Ok, sorry. -[phone rings]

[hisses] Wait,

Tamis calling me. Let me put her on speaker.

-Hey! -Hey babe!

[in pidgin] Hello. So you guys are having a council meeting without me?

In fact, we are plotting your assassination.

God forbid. I bind you!

[in pidgin] Guys, whats the plan for tomorrow?

Lara, I hope youve changed your mind about not coming for the party.

Thats exactly what Im trying to convince Lara of right now.

I have told you people,

I have no interest whatsoever

in going to this party.

-Why? -Ah, come on now. Just come.

[in pidgin] What did she do to you?

[sighs]

Shes always so smug.

[Lara] Shes always low-key rude to me. Shes very passive aggressive.

In fact you guys just wont get it.

Thats normal level now.

Its not just that.

Its about how she always manages to make every conversation about her.

She has to fit her ‘perfect life into every little conversation.

Like the time we went to the spa.

Can somebody please tell me who asked her

about her second honeymoon to Maui with Gbadebo?

-[Lara] Did you ask her? -[laughs]

[Lara] Tami did you ask because... I mean, Im just saying.

-Okay -We spent the whole day talking about that

Fine. So then why dont you hate Ladun?

[Zuri] I mean, all she talks about is

[moans] "Oh, Bode this'' and then

''oh Bode that'' and'' oh, my fabulous life in Ikoyi." [laughs]

My dear, Banke doesnt mean any harm.

Okay, first of all,

Ladun is our baby, okay. So how can you even compare the two?

Second of all,

I just dont like her. She probably invited me so she could show off.

You know, I think shes jealous of me

You guys know that she dropped out of school, right?

And we were in the same department

[in yoruba] and trust me when I say she wasn't academically sound.

[in slang] If not for her marriage that helped her.

[sighs] Ah!

Lara, I have never heard you speak about someone like this before.

Oh see, Ive been looking forward to catching up with you guys.

-[Tami screams excitedly] -[both ladies] What?

-[sighs] Its so pretty. -What?

You guys, one of my toasters just sent me another gift.

-Which of the toasters is this one? -[sighs] Please ask her.

[Tami in pidgin] Some guy I met outside Circa

and that's how he became obsessed.

Now hes sending me all sorts of gifts and shit.

[Ladun] Oh! This person sounds like a keeper.

I know.

[Zuri] You dont even know him.

-Tam-Tam. -[Ladun chuckles]

Okay, as I was saying.

Ill go to the party... because of you guys.

Because of you guys. But Im not buying her little bratty kid a present.

See ahh, Aww!

[smack lips]

[exhales]

Yay, youre coming, Im so happy.

Y'all, She can catch these hands if she tries me.

-Like, Im not playing. -[Zuri laughs] Relax!

[upbeat music playing]

[in pidgin] ♪ Why you wanna treat Me like that? ♪

[in pidgin] ♪ Why you wanna treat ♪ ♪ Me like trash♪

Babe, what are you wearing?

Go and get ready.

The photographer will soon be here to start taking pictures

before the crowd descends.

-Crowd? -Yes!

At least 100 people.

[Banke] You know Nigerians.

[Banke] Some people will come with plus one or plus two.

Its a good thing that Im ready for them.

If they like, each person should come with plus five.

[in pidgin] Where is this make-up artist?

Banke?

-Banke?! -What?

I thought you said were only having a small get together.

Yes, its small. Hello?

Kike, you want to be unfortunate today, [in yoruba] right? Oh, youre here?

Okay, just wait downstairs Im coming now.

Sweetheart, what is it?

Banke, Im wondering exactly what in the world is going on out there?

You said were having a small party inside the house.

But I wake up to my house being turned into a bazaar!

Stop it!

Do you know what today is?

It is the first birthday of your only son.

I know what it is.

Its only a first birthday party.

His naming ceremony was big,

His dedication was even bigger.

Which is why we agreed to keep this small, remember?

But its small, by Lagos standards.

How much exactly are we spending on this?

Gbadebo, what is it?

Is it because of a party of a 100 people that you want to stress my life?

[in pidgin] Do not let anyone hear this? Go and start getting ready, please.

I cant be dealing with this.

[tense music playing]

Hello? Yeah, please come in.

[Narrator] People with bad debt habits

will typically go into debt buying things their income cannot support.

They will borrow to purchase big ticket items that dont appreciate in value

and most likely cant cover the costs of the debt over time.

Imagine going into debt to have a party.

Hi Banke. Wow, everything looks so lovely.

Lara, Im glad you could make it.

[air kisses]

-Youre welcome. -Thank you.

Mm hmm. So...

Youre by yourself?

Actually, yes. Im meeting the girls here. Havent they arrived?

-Oh, you just missed Ladun. -Hmmnn

You know, she brought a gift

and dropped the kids off before rushing off to a wedding.

But, I wasnt talking about the girls.

-Still no boyfriend? -[chuckles]

Actually, hes just not a party person.

Especially, kiddie parties.

Hmmnn..

I see.

Any body that I know?

Actually, no. I dont think so.

I mean, he just came in from out of town.

You might have seen him on the Forbes lists maybe

but Im pretty sure that you dont know him personally.

Ohh?

[sighs]

But this really is lovely.

Im sure the kids are absolutely blown away.

I know, right? Thank you.

You know, deep down I know its a little OTT

but man, the pressure and the stress to have my boy.

I just, I just knew that the closer to your age that... Oh

you know, the older that I got that the tougher it would be.

So, were just so blessed that it happened when it did.

Okay, its kind of weird seeing that youre a year older than me.

Maybe you forgot because you dropped out of school. But, anyway…

Im so glad that everything is going well for you

because some peoples marriages are so fragile.

There are some women who know that if theyre not able to have a male heir then

[chuckles] who knows, they might just find themselves without a husband.

And with no degree, ah, God.

And imagine if they had no marketable or bankable skills to rely on.

How tragic would that be?

Well, I guess Ill never know. I cant relate.

-Sure, you cant. -[chuckles]

-Enjoy the party. -I will. Bye.

[happy music playing]

-Hey, girl. -[Zuri] Fashionably late, huh?

Who me? No.

Never fashionably anything. I have nothing on Tami. Where is she?

Shes inside.

Yeah?

Hi, guys.

-Hello Chinasa. How are you? -[Chinasa] Aunty Lara,

[Chinasa] Im fine, thank you.

[Chinasa] Its Lagos, were all hustling.

Ah! [chuckles] This your outfit is fabulous.

Always oppressing us.

Just Lara will do and thank you.

I cannot call you Lara like that aunty. Like, we're mates? No.

Arent you hilarious.

-[in pidgin] So, girl, whats up? -[sighs]

Were here.

So, apparently,

-Francesca organized a Christmas party... -Hmmnn...

-It was so nice. -Hmmn!

and she says shes still chasing her for the balance of her payments.

No stop. Youre lying.

Yes, very beautiful. Whats your name again?

-Tami. Tamilore Davies, Ma'am. -Wait.

-Davies? -Yes.

-[woman] As in Kasope Davies daughter? -Yes, Ma.

-Ah! I know your parents. -[in yoruba] Absolutely. Yes, we know them

-So Tami, you said you were a tailor? -Ma,

They now call it fashion designer,

-[woman in yoruba] Isn't it? -Yes ma, thank you.

Thats the way carpenters say they are now interior decorators.

[laughter]

-[woman in yoruba] Ignore them. -[laughter]

Is everybody having a good time? Can I get anyone anything?

Banke, wheres my grandson?

Ive put him upstairs for his nap.

Hell be down in thirty minutes.

Sleeping at his own party?

Err. I hope youre not raising my grandson like your daughters.

-[woman] He is a boy. -Yes, absolutely, and the heir.

-[women] Hmmn! -I wouldnt mind some more puff puff.

Yes, Mommy. Coming right up.

Uhhm, where is Abike?

Is she not supposed to be here helping out?

She had an urgent email to attend to at work so she had to leave.

Shes very busy.

In fact her boss cant do anything without her.

-[Tami] Hmm... -[woman] Hmm...

[older woman] Shes working hard.

[woman] She should slow down

-and settle down, [in yoruba] right? -[in yoruba] Thats right.

-[in yoruba] I just don't understand... -[in yoruba] Tell them!

But shes a fantastic architect. She has a great career.

A career without a husband and children is baseless.

[Tami] If its not happening for you,

is it not better to focus on whats in front of you--

[woman] Are you the first to work?

-[in yoruba] Please ask her. -Ahnahn!

[woman] We have also worked and managed the home.

-[in yoruba] Exactly! -Even Folakes daughter is doing it.

She's an engineer with four children and a side business also.

Uhm, was she not the one that remarried?

-[in yoruba] Ah, what a pity. -[chuckles]

[woman] To that very handsome man.

[woman] Yes. Very handsome. And also a spendthrift.

-[woman] Ah. -[chuckles]

In case you dont know, and hopefully youll know soon.

Since he's ehm, currently engaged to your niece.

-If I am not mistaken. -[woman] Huh?

Uhhm, would anyone like to see my new designs for boubous?

[Tami] Mrs. Bolanle Austen-Peters daughter just ordered her one.

She loved it so much she ordered more.

-Let me see... -[woman] I'd love to see that.

-This is beautiful. -This is lovely.

[in yoruba] It looks good! Latest!

[n yoruba] This is the latest!

-I want this one -That's nice.

-[woman] It is so lovely, my dear. -Thank you, Ma.

-[woman in yoruba] Sweet girl... -[woman in yoruba] Please, excuse me.

-[woman in yoruba] How about you? -Ma?

[in yoruba] Do you have a boyfriend? At least friend?

-Err. -What she means is, someone you can marry.

-[in yoruba] Exactly my dear friend! -[in yoruba] Yes

Say it as it is.

-[in yoruba] Say it as it is. -[in yoruba] That's how it is!

I am a Yoruba woman.

[in yoruba] In my language we have friends or husband meaning,

-friend or husband. -Husband!

All these ones you people are putting in between,

boyfriend, fiancé, partner,

they are just time wasters that we dont even recognize.

Yes ma.

[woman] I have a nephew who is an accountant.

In fact, he works in a chartered accounting firm

and he is a very handsome and reserved man.

-[in yoruba] He is well trained -Hmmn!

In fact, you will like him. Im going to introduce you to him.

[woman in yoruba] Yes, hes responsible.

Thank you, Ma'am. Ill be back. Let me go and get that puff-puff.

-[women laugh] -look at her!

Man, you should have seen the slam dunk that I gave Banke.

Wait, where is Tami?

-Oh, see me here. -Hey girl.

[in pidgin] Wow, I have suffered.

I wonder why I thought sitting in a room filled with old women.

trying to size you up and marry you off to their sons

and nephews was a good idea.

-[laughs] -At least they are trying to marry you off

you didnt have to deal with Bankes stupid horrible comments.

[mimics Banke] ''Oh, did you come alone?"

[laughs]

Well, thank you for taking me out of that place.

I was becoming murderous with that crazy talk.

-What talk? -oh-oh.

Short version, Chinasa was championing gossip about Banke,

implying that shes broke.

I mean, I know she doesnt mean any harm but

-the whole thing just bothers me. -[in pidgin] Please, I can't stand her

There's something low-key slimy about her.

Right? And that thing about ''everybody is my uncle,

sugary-syrupy act'' shes always trying to do, is definitely not pure.

"Oh, Uncle Suleiman, we need to see"

"Oh, Uncle Eric, tell your wife that her recipe is so just, divine."

[in yoruba] "Oh, big brother..." Okay, bitch we get it, youre two.

Oh my God. Okay look, Im not a fan but shes not that bad.

-Shes 23, right? -Are you kidding me?

Did you hear how she was maliciously pushing Banke's gist at that table?

I mean, seriously, fine the gist was juicy.

Wait, what gist?

-[clears throat] The bitch is broke. -[whispers] Banke is broke?

The bitch is broke.Yes. [fake coughs]

No matter how satisfying the gist is. However, still,

It doesnt mean that someone should walk into her house,

eat her food, drink her drinks

and then just casually spread malicious gist about her at her own damn party.

-Lagos... Lagos scares me. -[in pidgin] Please, please.

-Everyone is pretending. -[Lara hisses]

One minute you're just sharing an issue you have, the next you're trending.

Ah. Please, I dont have time for that.

-[Tami] We all look so good though. -[Zuri] Yes, baby.

I need to make sure Banke sees my new gold earrings.

-I can't shout. -[laughs] Tam-Tam!

[in pidgin] Where is this place?

[Man] Now that theyve all gone.

You have not answered the question I asked you earlier.

[woman] Babe, let's talk about it tomorrow.

[man] No, Banke, now.

[sighs]

I just dont understand why youre getting so agitated about this.

Banke would you stop!

Please, just stop this.

Why are you trivializing this?

How in the world are we indebted to different vendors to a tune of millions?

And then you still went to the bank to get a loan for this party?

Yes, I know, the bank manager called me.

Why Banke?

Me?

So its all my fault, [in yoruba] right?

-Its my fault? -[sighs]

Look, Im not saying that but

you know what we have on ground.

Why did we have to make our sons first birthday a large event?

[laughs] See.

Let me put you on notice.

After all the stress that your family put me through to have that son,

you better believe that every party he has from now on is going to be epic.

Are you out of your mind?

You do realize our finances are no longer where they used to be?

And do you want your enemies to know Gbadebo?

Think about what youre doing.

Why are you doing like this is not the Lagos that we are living in?

Do you want everyone to know that were broke?

Our parties are legendary.

If the standards drop,

dont you think it will cement what people are thinking about us?

Is that what you want?

-Of course not, but-- -Hmm. Exactly.

-So lets not play this blame game. -[slow music playing]

Lets figure out how we are going to pay these vendors.

And by''let's'' you mean me, yes?

[in pidgin] These debts will catch up with us.

[Narrator] Debt can be a useful tool to attain financial success

but how you use it, matters.

Wealthy people use debt to as a tool

to leverage their investments and grow their cash flow

but poor people use debt to buy things that make rich people richer.

Aunty Zuri, what are you doing here?

[lively music playing]

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