What does “pay yourself first” even mean?

Defeating inaction – automated style

To pay yourself first, simply means to prioritise saving or investing, above all other things. Rather than scrounge around at the end of the month to see…

You’re only human, and that’s the problem

How to stop the biggest threat to your financial future – you.

You would be naïve to think that the daily financial decisions that you make are made in isolation from your emotional ones. In our very first article,…

How much do you need to retire?

Get ready for some tough love

How much should I be saving towards retirement? This can be a very complicated discussion and there is no one answer. As you become more aware of…

Passive investment strategies

Let the market grow your money reliably.

Several articles back, we introduced you to what a passive investment strategy would look like, relative to an active strategy. Accepting a passive strategy typically means buying…


Your tropical island tax haven right here in South Africa

One of the great characteristics of a retirement annuity is the ability to defer income tax on your interest, dividends, and capital gains until such time as…

People who Rock

Take Charge of Your Money TaxTim