My Money My Lifestyle

After six transformative months, we’re concluding our Insure Your Future Money Bootcamp series with incredible stories of financial transformation that will inspire and motivate you to take control of your finances. In this final episode, we discuss the game-changing themes that emerged from the journeys of our boot camp participants. From unexpected promotions to debt freedom, the results speak for themselves: money truly loves control. What You’ll Discover:  • Why financial structure creates opportunities for prosperity in all areas of life  • How to overcome the psychological barriers that keep you stuck (fear, guilt, and shame around money)  • Practical strategies for setting boundaries with family financial expectations • The compound effect of small, consistent financial actions • How to balance financial responsibility with enjoying life guilt-free Our participants’ stories prove that transformation is possible for anyone willing to face their financial reality and take action. We heard from individuals who accelerated their debt payoff, built emergency funds, inspired family members to change their money habits, and even received promotions at work after gaining financial stability. Key Takeaway: Financial empowerment isn’t just about numbers, it’s about mindset, relationships, and creating sustainable habits that compound into life-changing results. Whether you’re drowning in debt, struggling with family financial pressure, or simply want to level up your money management, this episode provides actionable insights you can implement immediately. Ready to transform your relationship with money? Listen to the full series if you have not already done so. This is your roadmap to financial freedom!

Most people can only afford to retire comfortably by age 80. This sobering statistic was the focus of our latest Insure your Future Money Bootcamp podcast discussion that asked the question of whether early retirement is even possible in today’s economic climate. In this episode, Maya and Mapalo are joined by seasoned financial planner Wynand Gouws, author of "To 100 and Beyond". They explore the realities of retirement savings, the importance of understanding replacement ratios, and the critical role of budgeting in preparing for retirement. Wynand emphasises that simply having a retirement fund is not enough; individuals must actively engage with their financial planning to ensure they can maintain their desired lifestyle post-retirement. The conversation explores practical strategies for boosting retirement savings, including the importance of delaying retirement, managing lifestyle choices, and the advantages of tax-efficient savings. Wynand also highlights common myths surrounding retirement planning, urging listeners to take proactive measures now to avoid future financial strain. Key topics covered: • Understanding the implications of replacement ratios on retirement planning • The importance of budgeting and tracking expenses for a secure retirement • Strategies for increasing retirement savings and utilising tax benefits • The impact of lifestyle choices on long-term financial health • Debunking retirement myths and preparing for increased longevity   This episode serves as a wake-up call for those who may be underestimating their retirement needs. Tune in to gain valuable insights and actionable steps to ensure your financial well-being in your golden years!

In the latest episode of the Money Bootcamp Podcast, we dive into the world of investing and the magic of compound growth. If you've ever wondered how your money can grow exponentially over time, this episode is for you.  We begin by discussing the Rule of 72, a straightforward formula that helps you determine how long it will take for your investment to double, based on a fixed annual rate of return. For instance, at a 10% return, your money could double every 7.2 years, but the real magic happens when you let it compound over a longer period. We break down the significance of staying invested, explaining how early withdrawals can jeopardise your long-term financial goals. The discussion also covers realistic expectations for returns, drawing on historical data from the Johannesburg Stock Exchange and global markets to highlight the importance of diversification in investment strategies. This episode is packed with insights and practical advice for anyone looking to improve their financial literacy and make informed investment decisions. Whether you're a seasoned investor or just starting, there's something valuable for everyone. Tune in to learn how to harness the power of compound growth and take control of your financial future! Key topics covered: • Understanding the mechanics of compound growth and the rule of 72 • The impact of market performance over different time frames • The importance of investing consistently, even with smaller amounts • Differentiating between nominal and real returns, and why inflation matters • Exploring tax-free savings accounts and their benefits for long-term wealth accumulation

Marriage is often viewed through the lens of love, commitment, and partnership, but it is also a significant financial contract that can have profound implications on your financial future.  In this Insure your Future Money Bootcamp Maya Fisher-French and Mapalo Makhu interview attorney and mediator Lerato Seroke about the financial and legal implications of your marriage contract. This knowledge could save you from devastating financial consequences down the line. Many people believe that living together for a long time constitutes a common law marriage, but as Lerato explains, this is a myth.  In South African law, common law marriage does not exist, and this misconception can expose couples to various financial risks. Without a legal marriage, partners may forfeit crucial benefits such as inheritance rights, spousal maintenance, and pension claims.  The episode explores the three valid forms of marriage in South Africa: civil marriage, civil union, and customary marriage. Each type has its own legal implications, particularly concerning financial responsibilities and rights. For instance, a civil marriage requires registration, while a customary marriage does not. This distinction can lead to complications, especially in cases of divorce or death.  Listeners will learn about the importance of keeping thorough records to validate a marriage, particularly in customary arrangements where formal documentation may be lacking. Lerato emphasises that individuals should document everything from lobola negotiations to communications with family members to protect their interests. The discussion also covers the different marriage regimes, including in community of property and out of community of property, with and without accrual.  These distinctions are crucial for understanding how assets and debts are managed within a marriage. For example, being married in community of property means that both partners share liabilities, which can lead to financial vulnerability. Mapalo shares her personal experience of choosing to marry out of community of property without accrual, emphasising the empowerment that comes from financial independence. This decision allows her to build her own assets while still collaborating with her partner on shared financial goals.  It's crucial to approach discussions about marriage contracts not as a sign of distrust but as a way to protect each other and build a solid financial future together. This episode is a must-listen for anyone considering marriage or currently in a long-term relationship. It provides valuable insights into how to safeguard your financial interests and ensure that both partners are protected. Tune in to gain a deeper understanding of marriage contracts and their implications for your financial health.

In the latest Money Bootcamp episode, Maya Fisher-French and Mapalo Makhu are joined by a special guest, Nonhlanhla Bakasa, founder of AdoWord Multimedia, to discuss the reality of living with a disability. Nonhlanhla has been a "wheelchair rider" since the age of 12 when she suffered a spinal injury in a car accident. Nonhlanhla provides an honest and frank insight into the challenges she faces every day, not only with the physical reality of her disability but also the financial battle. Her story highlights how inadequate the system is for those living with a disability.  Stian de Witt, certified financial planner and executive head of Energy Financial Planning at NMG Benefits, also joins the conversation and shares his experience of clients who became disabled, and the costs involved. Stian offers some practical advice on how to find the balance between having protection in place but not being over-insured. The conversation also addresses the emotional toll of dealing with financial administration, including claiming from the road accident fund, medical schemes, and insurance companies, and the critical need for a supportive financial team. Both Nonhlanhla and Stian advocate for building a support system, whether through friends, family, or financial professionals who can guide individuals through the complexities of financial planning and insurance claims. This episode covers:  The topic of disability and its financial impact  Nonhlanhla's personal story and experiences with disability The costs of living with a disability Insights from Stian on managing disability finances Discussion on insurance challenges and tax deductions Importance of having a financial support team Practical advice for budgeting and prioritising expenses

In the latest episode of the Santam Insure Your Future Money Bootcamp, we discuss the sensitive topic of debt. While we all need credit, especially to purchase a home or a car, if it is not managed carefully, it can become a debt trap which undermines all our other important financial goals. Brian Mphakoanyane from Summit Financial joins hosts Maya Fisher-French and Mapalo Makhu to explain credit scores, good and bad debt, and what to do when debt becomes unmanageable.  The conversation delves into practical strategies for managing debt, understanding creditworthiness, and the importance of maintaining a healthy debt-to-income ratio. Brian shares insights on debt review, its pros and cons, and the significance of creating an emergency savings account while under debt counselling.  This episode is not just about understanding debt; it’s about empowering listeners to take charge of their financial futures. By providing practical tips and expert advice, this episode provides information to reassess their financial habits and make informed decisions. Tune in to gain the knowledge you need to transform your financial situation and pave the way for a brighter financial future.

In this episode of the Insure your Future Money Bootcamp, hosts Maya Fisher-French and Mapalo Makhu discuss the financial journey of one of Maya's mentees who is in the process of buying her first home. They share practical insights and personal anecdotes that highlight the importance of thorough financial planning before making such a significant purchase. Understanding the Costs of Homeownership Maya and Mapalo emphasise the importance of not rushing into homeownership and instead taking a calculated approach by evaluating current expenses and potential new costs. The mentee has been diligent in budgeting, ensuring she understands the costs of levies, utilities, and maintenance before making an offer on a property. Key Considerations for Homebuyers The hosts outline crucial factors to consider beyond personal budgeting. They stress the importance of obtaining levy statements and understanding the financial health of the body corporate, as well as the need for a home inspection to uncover potential issues before moving in. They also touch on the often-overlooked costs such as rates and taxes, which can come as a surprise to new homeowners. Navigating Mortgage Options Maya and Mapalo highlight the necessity of shopping around for the best mortgage rates, advising listeners not to be tied to their current bank. They discuss the benefits of using a bond originator and the potential for banks to offer 110% mortgages for first-time buyers, covering both the purchase price and additional costs. Final Thoughts Listeners are encouraged to run the numbers, consider all associated costs, and make informed decisions to ensure homeownership is a positive experience rather than a financial burden.  Join us for an insightful conversation that empowers you to take control of your financial future and make informed decisions on your path to homeownership.

In the third episode of the Santam Insure Your Future Money Bootcamp, hosts Maya Fisher-French and Mapalo Makhu welcome the Thokozani, a budgeting superhero and one of Mapalo's mentees from last year. Thokozani shares her inspiring journey from financial struggle to mastering her money management skills, revealing how a shift in attitude transformed her relationship with finances. From Struggles to Superhero Thokozani opens up about her previous financial struggles, where payday was met with dread rather than excitement. Discover how she overcame feelings of overwhelm to take control of her financial future. Her story serves as a reminder that anyone can change their financial narrative with the right mindset and tools. Budgeting Techniques Listeners will learn about Thokozani's budgeting process, which incorporates a mix of apps, Excel spreadsheets, and good old-fashioned pen and paper. She outlines how she tracks her spending across different categories and the importance of being intentional with her finances. The conversation also touches on managing unexpected expenses and the necessity of having an emergency fund. Side Hustles and Financial Goals Thokozani discusses her side hustle and how she utilises that income to bolster her financial security, illustrating the significance of having a clear purpose for additional earnings. The episode also highlights the importance of investing as part of a comprehensive budgeting strategy, ensuring that listeners understand the value of planning for future financial growth. Empowering Family Conversations Thokozani shares how budgeting has improved her finances and transformed her family's financial conversations. She emphasises the shift from a scarcity mindset to one focused on abundance and investment, paving the way for her children to engage in meaningful discussions about money. Join Maya, Mapalo, and Tokozani for an enlightening conversation that demystifies budgeting and inspires listeners to take charge of their financial journeys. Whether you're struggling to make ends meet or looking to optimise your financial strategy, this episode offers valuable insights and practical advice to help you become your own budgeting superhero.  For more resources and support on your financial journey, visit the Insure Your Future  Money Bootcamp website and explore the tools available to help you manage your money effectively. This series is sponsored Santam, helping you insure your money for a better future.

As we dive into July, many of us feel the familiar pang of anxiety that accompanies tax season. In our latest episode, we tackle the ins and outs of tax filing. Joined by tax expert Andre Bothma, we explore why tax can feel overwhelming and how to navigate the process with confidence. One of the key topics discussed is the concept of auto assessments introduced by SARS (South African Revenue Service). If you're employed and earning an income, you may receive an auto-assessment, a pre-filled tax return that simplifies the filing process. However, as Andre points out, just because you receive one doesn't mean you should trust it blindly. It is essential to review the details, as mistakes can lead to missed deductions or incorrect refunds. For students and freelancers, the conversation shifts to the importance of filing even if your income is small. Many young people, especially those working in creative fields or part-time jobs, may not realise that they are required to file a return, particularly if tax has been deducted from their earnings. Filing a return can lead to a refund, making it a crucial step in managing your finances. Throughout the episode, we also discuss the significance of understanding your status as a provisional taxpayer. This designation applies to those earning income without pay-as-you-earn deductions, such as rental income or freelance work. Andre emphasises the importance of being aware of deadlines and the potential penalties for late submissions, which can add unnecessary stress to an already daunting process. Moreover, we delve into the various deductions available to individuals, from retirement annuities to business expenses. Understanding what you can claim is vital in reducing your taxable income and ensuring compliance with tax laws. As we wrap up the episode, Andre provides practical advice on engaging with SARS and familiarising yourself with the e-filing system. He reassures listeners that while tax season can be intimidating, with the right knowledge and support, it can become a manageable task. If you’re looking to take control of your financial future, this episode is a must-listen. Tune in to gain insights that will empower you to tackle tax season head-on and alleviate some of the anxiety surrounding personal finance.

In the first episode of the second season of the Santam Insure Your Future Money Bootcamp, hosts Mapalo Makhu and Maya Fisher-French explore the emotional aspects of money management. With a focus on financial trauma, they discuss how our upbringing and past experiences shape our relationship with money and the significance of understanding these emotions. How these emotions can either empower or hinder our financial decisions. Mapalo and Maya share personal anecdotes and real-life examples, illustrating the profound impact of financial trauma on individuals' behaviours, from procrastination in checking bank statements to compulsive spending. They emphasise the importance of confronting these emotions and the necessity of having open conversations about money, whether with friends or partners. Listeners will gain insights into the concept of 'money vows' - the promises we make to ourselves based on our financial experiences - and how these can influence our current financial habits. The episode also addresses the psychological triggers behind retail therapy and excessive spending, encouraging listeners to reflect on their emotional drivers. Join Mapalo and Maya as they guide you through the complexities of money and emotions, equipping you with the knowledge to embark on your financial transformation journey. Remember, understanding your emotions around money is the first step towards achieving financial wellness. Don't forget to download the money questionnaire from our website to kickstart your journey! - Understanding Financial Trauma - The Impact of Upbringing on Money Mindset - Confronting Financial Fears - The Importance of Open Conversations about Money - Exploring Money Vows and Their Influence - Retail Therapy and Emotional Spending - Empowering Yourself through Financial Awareness This podcast series is designed to motivate and inform you as you navigate your personal financial transformation. Stay tuned for more insightful discussions in this season!

In this episode of "Know Your Ombud," host Maya Fisher-French chats to Nerosha Maseti , the lead Ombud for banking services at the National Financial Ombud (NFO). This episode aims to empower consumers by shedding light on their rights and the processes involved in lodging complaints against financial institutions. Maya and Nerosha discuss the common grievances that consumers have with banks, particularly focusing on the importance of understanding when to escalate issues to the Ombud after attempting to resolve them directly with their bank. They clarify the distinctions between banking complaints and credit-related issues.  Listeners will gain valuable insights into how the Ombud investigates cases, including those involving interest calculations and reckless lending. Nerosha shares real-life examples, illustrating the rigorous processes that the Ombud employs to ensure fairness and transparency in resolving disputes. The episode also delves into the complexities of banking fraud cases, discussing the responsibilities of both consumers and banks when it comes to digital security. Nerosha emphasizes the importance of safeguarding personal banking information and the potential consequences of negligence in this area. Join Maya and Nerosha as they demystify the Ombud's role, encouraging consumers to take charge of their financial rights and seek help when needed. Remember, the Ombud is a free service designed to assist you in resolving financial disputes, so don’t hesitate to reach out if you feel you’ve been treated unfairly! If you feel let down by a financial provider, contact one of these trusted schemes:   FAIS Ombud for financial advice disputes – faisombud.co.za Office of the Pension Funds Adjudicator (OPFA) for pension fund related disputes: pfa.org.za JSE Ombud for JSE-related issues: jse.co.za National Financial Ombud Scheme (NFO) for banking, credit, and insurance: nfosa.co.za   This series was created in partnership with The Ombud Council.

In this episode of My Money, My Lifestyle, host Maya Fisher-French shares a personal story that highlights the often-overlooked complexities of medical aid claims, particularly in emergency situations.  When her 85-year-old mother experienced alarming symptoms and sought treatment at an emergency room, she was left with bills not paid by the medical scheme.  Maya invites David Green from Med ClaimAssist to discuss what to do when your medical scheme does not cover the cost of emergency treatment.  They explore the nuances of prescribed minimum benefits (PMBs) and the importance of proper referrals when navigating emergency care. David sheds light on the misconceptions surrounding hospital plans and the potential financial implications of emergency room visits. Key topics covered include: • Understanding the limitations of medical schemes regarding emergency room visits • The significance of referrals from healthcare professionals  • Strategies for challenging denied claims and navigating the claims process • The potential for negotiating medical bills and seeking discounts from providers • Insights into the role of clinical committees in reviewing complex cases Listeners will gain valuable insights into their rights as medical scheme members and practical steps to take when faced with unexpected medical expenses. 

South Africans are feeling more confident about their finances than they have in the last three years – according to the 2025 Sanlam Financial Confidence Index. This good news is driven in part by lower interest rates, the end of loadshedding, and real salary increases. Yet, despite feeling more confident, this is not translating into an improved sense of financial well-being and 74% of South Africans remain stressed about their daily finances.  As we know from experience, we usually need confidence to inspire action. So, how can we utilise this confidence and improved macroeconomic conditions to enhance our personal financial well-being? In this podcast, host Maya Fisher-French is joined by Kele Boakgomo, behavioural scientist and CEO of Yugrow, and Lee Hancox, Head of Channel and Segment Marketing at SanlamConnect, to unpack the trends and behavioural insights from the Sanlam Financial Confidence Index, as well as provide tools and strategies we can apply to make sure we enter 2026 with a greater sense of financial control. For the full Sanlam Financial Confidence Index report, click here

Asset manager Piet Vijoen has argued that people systematically overpay for insurance because they prefer the certainty of losing a little each month (i.e. the premium) rather than risk facing an uncertain loss at some point in the future. In this episode of My Money, My Lifestyle, host Maya Fisher-French debates the relevance of insurance and how much is enough with financial planners Henri le Grange and Ben Nel. Insurance is often viewed with scepticism, and many people question whether it is truly worth the investment. This episode addresses key concerns surrounding life cover, income protection, and critical illness cover, as well as how to avoid a "tick box" approach that leads to clients being overinsured and overpaying for premiums that may not align with their actual needs.   Listeners will also learn about the risks associated with age-rated premiums, which can escalate quickly and become unaffordable as individuals age.  The episode also explores the concept of self-insurance, where individuals accumulate sufficient liquid assets to cover potential liabilities without relying solely on insurance.   A personalised approach ensures that clients are not just sold a product but are guided to make informed decisions that benefit their overall financial health. This episode is a must-listen for anyone looking to navigate the often confusing world of insurance and personal finance.

The latest FNB retirement survey revealed that many South Africans are allocating more funds to insurance than to their retirement savings. So how do we find the balance between insuring for the unexpected while investing for longevity? This is the topic of the latest episode of the Retirement Reimagined series, with host Maya Fisher-French and guest Deepesh Desai, head of FNB Life.  Maya and Deepesh discuss how to utilise insurance to protect retirement savings and what types of insurance are suitable once you are retired. Deepesh explains how understanding one’s unique financial situation and life stage is vital in determining appropriate insurance coverage. Key topics covered: • The relationship between insurance spending and retirement savings • How insurance can safeguard your retirement nest egg • The importance of assessing insurance needs at different life stages • The role of legacy planning and estate liquidity in insurance decisions • The impact of critical illnesses on retirement planning and insurance needs • The necessity for democratising financial advice to ensure informed insurance choices By understanding how to integrate insurance into your overall financial strategy, you can better prepare for a secure and comfortable retirement. Tune in to gain clarity on how to protect your financial future while pursuing your retirement goals. For more information on the retirement survey, click this link. 

In the latest episode of the Retirement Reimagined series, host Maya Fisher-French speaks to Carin Meyer, Product Head of Wills and Deceased Banking, about the importance of having a will, especially when it comes to your retirement assets.  Maya and Carin debunk common misconceptions, including the dangerous belief that "only wealthy people need wills," and explore the psychological barriers that prevent people from planning their estates. Key topics covered: The critical difference between how property and retirement funds are handled in your estate Why intestate succession rarely reflects your true wishes Smart strategies for choosing executors and managing estate costs How to use testamentary trusts to protect vulnerable family members  When and how to update your will as life circumstances change This practical episode provides actionable advice for retirees and pre-retirees, emphasising that estate planning isn't just about assets - it's an act of love that prevents family conflicts and ensures your legacy aligns with your values. Whether you're just starting your retirement journey or reviewing your existing plans, this episode delivers essential insights that could save your family from financial and emotional turmoil. Don't let poor planning overshadow a lifetime of hard work. For more information on the retirement survey, click this link. 

In the latest episode of the Retirement Reimagined series, we aim to understand why so many people are not saving for retirement. The results from the FNB Retirement Survey suggest that it is not just financial constraints. Host Maya Fisher-French is joined by Bheki Mkhize, CEO of FNB Wealth and Investments, and Renzi Thirumalai, Chief Investment Officer of FNB Wealth and Investments, to unpack the survey findings, which include the immense financial pressure many individuals experience. High costs of living, such as escalating grocery bills and rising transport costs, are squeezing disposable income to the point where saving for retirement feels impossible.  But there are also the psychological aspects of retirement planning. Humans are inherently wired to seek immediate gratification, making it challenging to prioritise long-term goals like retirement. Many face the dilemma of balancing enjoying today and saving for tomorrow. The discussion unveils how this mindset can lead to procrastination, with individuals believing they have ample time to prepare for retirement only to find themselves caught off guard as they approach their golden years. Another significant barrier to effective retirement planning is the lack of financial literacy and knowledge about available products. Many participants in the survey reported feeling lost when it comes to understanding their options and where to turn for trustworthy advice. This gap in knowledge can lead to poor decision-making, such as cashing in retirement funds prematurely or opting for low-return savings options out of fear of market fluctuations. The discussion highlights ways people can start investing for retirement, including automating their savings with regular increases in contributions to keep pace with inflation and rising living costs.  Whether it's seeking guidance from financial advisors, understanding the intricacies of investment products, or simply starting to save, the message is clear: the sooner you start, the better prepared you'll be for retirement.   For more information on the retirement survey, click this link. 

In the latest episode of Retirement Reimagined, we examine what retirement means to those over 60. Using the findings from the FNB retirement survey, host Maya Fisher-French speaks to Renee Coughlan of FNB Wealth and Investment about the reality facing many retirees who feel less prepared than ever before.   Individuals over 60 report a lack of confidence in their retirement readiness, exacerbated by rising living costs and inflation. As Coughlan points out, the pension income that many retirees rely upon is not keeping pace with the cost of everyday essentials, from groceries to medical expenses. This stark reality has left many feeling anxious and uncertain about their financial futures.   One of the key themes discussed is the need to support multiple generations. Many retirees find themselves financially responsible for not only their children, but their elderly parents and even grandchildren, further straining their already limited resources.  Throughout the episode, the hosts emphasise the necessity of regular portfolio reviews. Coughlan stresses that many people only start to seriously consider their retirement plans as they approach their late fifties, which can be too late to make significant adjustments. Regularly reviewing investment portfolios, insurance policies, and budgeting can make a substantial difference in achieving retirement goals.   Budgeting is another critical topic covered in the episode. The hosts share practical advice for seniors, such as seeking out discounts and rewards programs and re-evaluating existing expenses. By making small sacrifices and adjustments, retirees can free up cash that can be redirected towards their retirement savings.   For those under 60, the episode serves as a wake-up call to begin preparing for retirement sooner rather than later. Retirement is not just about ceasing to work; it’s about living a fulfilling life. The financial landscape is changing, and it’s essential to be proactive in planning for the future. Click this link for more information on the retirement survey. Don't miss the next episode, where we will discuss what prevents us from planning for retirement.

We asked many single moms what their greatest concerns were regarding drawing up a will. Host Maya Fisher-French asked fiduciary expert Deenisha Nadesan of Capital Legacy to answer them. For most moms, their concerns were around who would look after their child, who would manage the money on behalf of the child, and whether they had enough to provide for their living costs and education. We covered all the questions you need answers to including: ·       Can I leave a property to my child ·       What makes a will valid ·       What happens to my pension fund? ·       Can I nominate someone other than the biological father as guardian  ·       How does a testamentary trust work, and how is it different from a beneficiary fund?  ·       How much does it cost to draw up a will ·       Who should be the executor While this was a discussion about single moms, it is relevant to any parent.  Click here for the Single Mom's Guide To a Will. 

People are surprisingly confident about their retirement plans, so why are so many people underfunded? In the latest Retirement Reimagined episode, host Maya Fisher-French and Ester Ochse, head of Integrated Advice at FNB, unpack why confidence does not mean preparedness when it comes to retirement. While 25-27% of South Africans feel confident about their retirement preparedness, only 10% can actually afford to retire comfortably. This disconnect becomes even more pronounced with age – younger people display the highest confidence levels, yet this optimism crumbles as reality sets in during their 40s and 50s. This is because people seldom have a retirement plan with specific goals and objectives. Most of the time, it is just a belief that because there is a retirement fund, whether that is through an employer or a retirement annuity, it will be enough. Not investing enough and cashing in when changing jobs all negatively impact retirement outcomes, yet the wrong investment choices can also impact your ability to reach your retirement goals. Fixed deposits and savings accounts, while feeling "safe," are actually eroded by inflation over time.  In this episode, Ester discusses how to ensure that your retirement plan will deliver decent retirement outcomes, what type of investments are appropriate for retirement, and the importance of understanding how much is enough.   For more information on the retirement survey, click this link.