In this conversation, Matt and Nen discuss the concept of black tax, an informal social obligation where working individuals support their non-working relatives. They explore the financial implications of this practice on young people, emphasizing how it can hinder their ability to save and invest in their futures. The discussion also touches on the importance of work ethic, the value of all types of jobs, and the need for financial independence to break the cycle of dependency. They conclude by stressing the importance of saving and preparing for future generations to avoid the same burdens.