Procrastination gets a bad rap. It’s often labelled as laziness, lack of discipline, or avoidance. But what if there’s more to it? What if procrastination isn’t just resistance, but information? We’ve all done it—stared at a task, knowing it needs to be done, but finding every possible reason to delay. Maybe it’s reviewing your finances, having that long-overdue conversation, or finally tackling an investment decision. Instead of moving forward, we sit in limbo, caught between intention […]
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The law of diminishing returns
We live in a world where more is often seen as better: more money, more investments, more security, more financial strategies. But what if there comes a point where adding more doesn’t necessarily add value? The law of diminishing returns suggests that beyond a certain point, additional effort or resources result in smaller and smaller benefits. And this principle applies directly to financial planning. Investing At the start of your investing journey, each rand, dollar, pound […]
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Money, Ego, and the Illusion of Security
The purpose of ego is security. The nature of ego is insecurity. The destiny of ego is surrender. (Credit: @findingawareness on Instagram) It’s an interesting paradox, isn’t it? The very thing we rely on to create a sense of safety, our ego, is inherently restless, always scanning for threats, always seeking more. Perhaps this tension is most evident in how we interact with money. Why we seek financial security At its core, financial planning is about […]
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Choosing a trusted partnership
At first glance, it seems obvious why someone would seek out a financial adviser or planner; to make smarter money decisions! But if that were the only reason, personal finance books and online calculators would have made financial planners obsolete long ago. The reality is that the true value of an adviser goes far beyond spreadsheets and portfolio allocations. People don’t just want a guide for their finances; they want a partner in financial decision-making—someone who […]
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The holistic approach to life cover
When it comes to life insurance, one of the most common questions people ask is: How much cover do I actually need? While the typical rule of thumb suggests between 10 to 15 times your annual salary, the real answer depends on your unique circumstances, responsibilities, and financial goals. Rather than picking a number out of thin air, let’s take a step back and look at the bigger picture. A well-structured life insurance plan isn’t just […]
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Is it time for a lifestyle audit?
Also referred to as an “economic reality check,”, lifestyle audits are not just for the rich and famous, and not just useful to the tax collector! Have you ever looked at your bank statement and wondered, “Where did it all go?” It’s one of those universal moments—a glance at your spending habits and the creeping realisation that maybe, just maybe, your money isn’t working as hard as it should be for the life you want. This […]
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Are you being reasonable?
If money decisions were purely mathematical, personal finance would be easy. Spend less than you earn, invest in low-cost index funds, and let compound interest do its thing. But as anyone who’s ever faced a financial dilemma knows, money is emotional, unpredictable, and deeply personal. Morgan Housel, in The Psychology of Money, makes a compelling argument: in finance, it’s often more important to be reasonable than to be rational. In theory, rational decisions are always the […]
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Predictions, Plans, and the Power of Perspective
If history has taught us anything, it’s that predicting the future—especially when it comes to markets—is an exercise in futility. Every year, analysts, economists, and investment strategists make bold forecasts about where stocks will land, how interest rates will shift, and what geopolitical events will shake the financial world. And every year, those predictions are proven, at best, only partially correct. Market forecasts are like long-range weather predictions. We can analyse trends, observe patterns, and make […]
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It isn’t just about knowledge
It’s a tempting idea, isn’t it? The thought of managing your own finances, crafting your own investment strategy, and making the “right” moves with your money—all without the need for professional guidance. After all, the information is out there. Books, podcasts, courses, and countless personal finance influencers promise that with a little effort, you can be your own financial planner. But here’s the thing: financial planning isn’t just about what you know. It’s about how you […]
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The cost of trust
Financial advice is about more than just investments and returns—it’s about trust. And one of the most important, yet often overlooked, aspects of that trust is how you pay for your financial advice. It’s a conversation that affects every investor, expat, and retiree, regardless of where they are in the world. Broadly speaking, financial advisers are compensated in one of two ways: commissions or fees. Both have their place in the industry, but each model carries […]
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