Money Rehab

09/09/2026

“The cost of living in Ramaphosa’s economy…..” is a good conversation starter. Just be careful that it doesn’t make you comfortable with a situation that you don’t like.

Complaining will get you company because misery loves company, but it will not change anything. Action will.

09/09/2026

On a Fund’s disclosure document, the Top 10 holdings are good-to-know-information but they should never be what determines whether you invest or not. They change over time. You have no control of this. If you are investing for the long term, it shouldn’t bother you what the Top 10 holdings are.

The real meat is in the fund methodology and objectives

1. What is it?
2. How does it do it? Market cap? Shareholder-weight? Smart methodology? Etc
3. Does it cap weight? Equal-weight? What is that cap? What happens when the limits are reached?
4. Does it pay dividends? Or is it a total return fund?
5. How often does it re-weight or adjust, monthly? Quarterly?
6. What are the fees? Obviously the lower the better. Just make sure you are comparing like for like. JSE has 3 local property ETFs and in their own rights, they are all different

In reality, you are buying methodology, not holdings.

09/09/2026

Once you invest R10 000, you no longer have R10 000. You have a capital asset worth R10 000. Not Cash.

You don’t need to ask “can I withdraw it anytime”

A lot of people struggle with knowing they have access to R10 000 and almost always end up wanting and needing to withdraw and use that money.

This psychology of money trips many people up…..

This is the reason why we got to believe that property is the best investment because people who own property don’t think “can i withdraw it anytime?” It is the forced element that we buy into. Your behaviour needs to shift.

If you treat any and every investment like property, you are going to win! Not IF, but WHEN

More lessons 👇🏽👇🏽👇🏽

07/09/2026

I love people who say “Debt is part of life. You cannot live without it. You need debt to build wealth”

These are the people who will be paying my monthly income through the interest they pay.

The idea is to own the debt, not owe it.

If you know, you know…

06/09/2026

If you think you are winning with your reward programme, YOU ARE THE PRODUCT!!

Your measure is how much you earn in rewards relative to your fees vs how your bank measures your profitability to them. Average revenue per user(ARPU) is what pays the bills for your bank. The more you spend, and the more they nudge you towards “maximising your rewards”, the more money they make from you.

So how much are you spending per month to “maximise” the rewards? These are the unseen and unspoken numbers that matter. People never me tion this when bragging about their rewards. Information asymmetry — the bank won’t be making losses from this.

The “I’m earning for money i would have spent anyway” is a fallacy. The behavioural nudges are all designed to increase ARPU and the data shows it.

Actuaries are never losing this game….They don’t guess. They calculate.

You’re playing checkers. They’re playing actuarial chess.

06/09/2026

Paying R700 per month on your transactional bank account VS Paying R700 per month on your investment account.

One comes with a loud status symbol 💳
The other quietly compounds out of sight and away from egos

One says you are a good slave of the system, the other says you are winning the system

The average person dreams of the card, not the compounding.

One feeds the ego today and the other feeds your future quietly.

Choose wisely

06/09/2026

Retail Government Bonds are only available direct from the National Treasury on www.rsaretailbonds.gov.za.

Anything else is not a retail government bond.

It can be a government bond, but it’s bot a retail bond.

When you buy bonds on a trading or investment platform, you are buying it from someone else holding it. Not directly from the government. You are trading on the market. The Buy and Sell prices move like share prices.

Retail Bonds are not tradeable. You are(and remain) the holder of the bond from inception until maturity

Don’t confuse the two…..

An RSA Retail Savings Bond is an investment with the Government of South Africa which earns fixed or inflation linked interest for the term of the investment. Fixed Rate Retail Savings Bonds earn a market-related fixed interest rate payable on the interest payment dates until maturity

05/09/2026

Later on in your working life when kids finish school, become independent and move out of home.... You will have more money than you know what to do with.

The sad thing about having a lot of money to save/invest towards retirement at this stage, is that your money will not have the time it needs to produce or outperform the result of a R100 invested 30/40 years earlier

Time is the one thing you can never cheat. That compounding power of money invest and having time in the market can never be outperformed.

Start early. Start today. Don't wait.

05/09/2026

The secret to long term investing is being okay with whatever the market does.

Be okay with not knowing what your R100 000 investment will be worth after 10, 20, 40 years…..

It is hard in a world obsessed with calculating 10% per annum average growth. When you say “i don’t know”, you look stupid. But that is the secret ingredient …. Just Stay The Course 🤞🏽🤞🏽

04/09/2026

People mistaken the pursuit of financial freedom with denying yourself the good life. It isn’t.

The idea is to get what you want and not need to live on noodles for the rest of the month.