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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Money Rehab, Finance, Johannesburg.

* Sharing knowledge, views & opinions on all things personal finance and Investing

* Not professional financial advice

* Services: Personal Finance Coaching || Investing || Financial Freedom

03/11/2026

Unpopular opinion:

Obsessing over tax savings while drowning in debt is like celebrating a discount on groceries while your house is on fire.

If you need debt to survive the month, the interest you're paying is probably costing you more than the tax you're saving.

Stop focusing only on reducing tax. Start focusing on increasing cash flow and eliminating expensive debt.

02/11/2026

Rate updates…..

- Best Fixed Deposit Rates
- Secured Investments
- Money Market Funds

02/11/2026

There are so many ways to make sure you have a great festive season and a Worry-less January

1. Set aside monthly savings
2. Join a stockvel
3. Use your workplace retainer program
4. Place the Retail Bonds March interest payout into a 9-month fixed deposit
5. Place the Retail Bonds September interest payout into a 3-month fixed deposit
6. Place the May Retail Bonds inflation-linked interest payout into a 6-month fixed deposit
7. Combine (6) with your November Retail Bonds inflation-linked interest payout for Black Friday and beyond
8. Instead of reinvesting your dividends in the same holding, invest them separately and let them accumulate
9. Those ETF dividends paying out in January have GREAT use!
10. Instead of spending your bonus, invest it to give you perpetual returns to use for the festive period without running the risk of being depleted

How many of these have you put in place?

01/11/2026

If you see a listing described as a "great investment opportunity," there's a good chance it isn't.

Great investments rarely announce themselves as great investments. They usually sit quietly, waiting for someone to discover their potential.

When you buy a so-called "great investment opportunity", there's a chance you're simply paying for the current owner to exit what they once thought would be a great investment.

More often than not, the seller has already experienced the headaches, unexpected costs, managemen seet burden, or disappointing returns and is looking for a way out.

Too many people buy into "amazing investments" that perform so poorly that a bank account’s savings rate looks like the better deal. It gets even worse when the purchase is financed. You're already starting the race from behind and spending the first few years just trying to catch up.

Before you buy, ask yourself:

- If this is such a great investment, why is it for sale?
- If this is such a great investment, why aren't offers pouring in?
- If this investment is supposedly generating exceptional returns, why is the owner willing to give those returns to me?
- What does the current owner know now that I don't?
- Am I buying an investment, or am I buying a sales pitch?

Remember: the best investments are usually sold reluctantly. The ones being aggressively marketed are often the ones someone is eager to leave behind.

01/11/2026

Retail Government Bonds New Month Update

No change across all fixed investments for the month of November.

Last month to get the current inflation-linked rates before updates in December.

31/10/2026

“If you’re not in tech, your investments have not done well and the prospects don’t look good from here….

If you are in tech, you have done well but the prospects look frothy”

The nice thing about owning a global ETF is that the index does the job for you. You just focus on contributing day in day out, week in week out, month in month out…. Investing is that simple — the other stuff is just there to make it seem as though you need specialised knowledge and skill.

31/10/2026

Most living expenses are rising by 8-12% per year. Yet many investors are still celebrating 10% annual returns. 🤔

A 10% return sounds great... until your cost of living is increasing by 10% too.

The real question isn't "What return did I earn?"

It's “How much did my purchasing power grow?"

When inflation, school fees, medical aid, insurance, electricity and fuel are rising faster than expected, a portfolio that grows at 10% may simply be helping you stand still.

That's why risk and volatility tolerance are no longer optional.

Investors need to balance:
✅ Growth risk
✅ Inflation risk
✅ Behavioural risk
✅ Income sustainability

Because the goal isn't to earn 10%.

The goal is to ensure your money grows faster than the lifestyle it needs to fund.

Stop chasing returns. Start measuring real returns.

30/10/2026

Many people spend years raising their ceiling, but never raise their floor.

A salary can take you into the 45% tax bracket. But if losing that salary means your income falls below the 31% bracket, you're one unfortunate event away from financial distress.

Build your wealth like a multi-storey house.

Let your active income take you higher, but make sure each floor below is supported by rental income, dividends, interest, or business cash flow.

When you fall, you shouldn't hit rock bottom.

One fall should leave you on the floor below, not in the basement.

Raise the ceiling. Raise the floor.

29/10/2026

The habit of investing matters more than the specific investment you choose.

28/10/2026

“You are making your landlord rich”
“You cannot live without debt”
“You will take forever to do anything if you don’t take debt”

Do you think your neighbour would have the same attitude towards debt if they knew they were enriching you???

I think people are happy to make other people rich as long as they think it is the faceless bank or someone else besides their neighbour that they are making payments to

If the monthly statement said:

"R2,347 of this month's interest will be paid directly to your neighbour, who owns shares in the bank”, the emotional reaction might be very different.

This is what I love about the stock markets. You get rich because your neighbour doesn’t know they are making you rich with their financial decisions….

Pick your side!! 🤑🤑🤑🤑🤑

Address

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Telephone

+27813819214

Website

https://www.moneyrehab.blog/coaching

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