If you have to ask, based on your upbringing than don't use it period!
There's a level of comfort between a black man and white women using it with each other, if they've already established it. And it's not the original perverse meaning that white males came up with. The actually sounding comes from ancient Egyptian and kemetian, Canaan (before Africa got renamed), which is " NGA " meaning Pharoah, God, Princess and etc. The white male (like most things in life) perverses it and makes it derogatory, taking away its TRUE meaning. So generations pass and with each generation, the knowledge of our history gets diluted. Tupac took the negative and made it positive to counter the hateful mindset of the white male, by making it into acronym: " Never.Ignorant.Getting.Goals.Accomplished (N.I.G.G.A) ", subsequently reversing it to a positive to fit it's TRUE original meaning. White people who say it as a derogatory meaning (with the "er" at the end are ignorant anyways. They're just following their upbringing within their culture.
I've had sex with racists white women and cumverted them. Even fucked some in their houses, where they didn't know I was there, listening to the conversations the ******* and his " hunting friends were talking some really vile and demeaning things. I wasn't worried (I had backup and always take precautionary measures when I travel anywhere unknown but familiar with black people as a do not travel area) though at all. I educated every one of the white females I fucked and fixed that mindset.
You call me that, while we're having sex I'll ruin you and then leave or stop and leave all together. I'm not turned on by derogatory words that have been used by white people or anyone for that matter. It's all propagated to deter the youth just to finance prisons anyways. A system to keep that business going, just like the arms dealings and wars facilitated by political fuckery of the highest degree.
Funny thing is, we created this world and our spending power (over $6.2 TRILLION) aids in facilitating all other groups instead of ourselves!?! We were RICH and history has been manipulated and white washed by the jealous white male. The same white male who were also SLAVES and servants among the orginal kings and Queens of Europe and Kemet (africa). The same white man who took the blueprint of servants and slavery and defiled it. The same white male hiding the world's history underneath the Vatican. The same white genetics born from the richly melanated womens genetic pool by way of mutation; albinism. That's why you can find traces of black in most of your genetics unless you were created in a laboratory in a test tube like some of you.
I fuck with white women regularly, as well as latinas, asians and of course my own. But in this world of worlds, one things for sure, I won't BE in a relationship with a non-melanated female if she doesn't respect my humanity or my culture, that her and her people have long been assimilating.
Don't give a fuck how hot you are, I'm from New Yawk originally but Chicago bred and I've seen those types get knocked the fuck out! Lmao yes! Security and whomever could be present, they'll get it too. And that's the worse mindset to have in this era where we're all being ****** to live in a digital era of HUNGER GAMES! The survival of the fittest. Where does color come in when you're budget has dwindled down to a $75 week spending in groceries or even less!??!
And please don't feel like I'm attacking you sweetheart, just being honest here, from REAL world experiences on both sides of the spectrum. I have dutch and swedish people in my family and they know absolutely what's up.