I just turned down a $100 tip
Why would you turn down a $100 tip?
I like working for my own money, I don't want charity.
It's good that you are confident and self-sufficient.  However, it can be rude to turn down someone who is giving such a generous tip.  This person probably just wanted to thank you for your help.
Lots of people want to make you feel bad for being a strong black woman.
Can you help me understand why turning down money would make you feel lesser? I think it is pretty sad to live in a space of thinking people dislike you because of your skin color or sex.