Why You Should NOT Invest Yet: The Stability Roadmap for South Africans | UM Ep.4
From Understanding Money · 00:23:08
Show by Martin Kotze and Ruan Lubbe
You've created margin. Now what? Most people's instinct is to throw money at the market — but that's not the next step. In this episode, Martin and Ruan walk you through the practical, intentional steps to go from financial breathing room to genuine, generational wealth. No noise, no hype, just a clear plan.📩 Got a money question? Send it to [email protected]🔗 More from us: https://linktr.ee/understanding_money00:00 Introduction02:54 Everyone needs a clear plan04:05 Starter Emergency Fund04:54 Pay off debt (except the house) 05:29 Good debt vs bad debt09:05 Fully-funded Emergency Fund12:07 Investing12:16 Tax-free Savings Account12:56 Retirement Annuity13:54 Pay off the house early17:33 Continued Investing17:47 Spend and Enjoy your money19:12 Savings for kids' college/university20:36 Generosity22:03 Closing thoughts
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