Know Your Money with Bronwyn Waner and Craig Finch

Know Your Money

Welcome to Know your money, where we will explore our relationship with money and how the psychology of it impacts our financial decisions as everyone thinks about money differently. In our podcasts we will be presenting a variety of financial topics in an easy-to-understand way which, we hope, will assist you with managing your money.Please subscribe to our podcast or have a look at our website www.growthfp.co.za

  1. 4D AGO

    167. How Vitality 2026 Expands Access, Adds Sleep Rewards, And Boosts Fitness Points

    Send us Fan Mail What if your weekly routine could fund your favourite devices and turn better sleep into real-world rewards? We sat down with Vaughan to unpack Vitality’s 2026 refresh and how it changes the game for anyone chasing health, status, and sustainable habits. The conversation zeroes in on three pillars: easier access to activities and devices, sleep as a foundational behaviour, and smarter ways to stack points without adding complexity. We start with access. Demand for yoga and Pilates has surged, so Vitality added around 50 more studios and enabled class bookings at Virgin Active through the platform. Check-ins are seamless: book a class, scan a QR code, and collect 100 points. That simplicity nudges consistency and opens doors to a variety of workouts, from boxing and HIIT to mindful movement. On the device side, Garmin joins Apple in the fully funded model, letting you meet weekly goals to cover the cost over time or opt for up to 25% upfront discount. Footwear discounts at Sportsmans and Totalsports remain a practical boost for runners, walkers, and even golfers. Then we place sleep where it belongs: at the base of health. Vitality Sleep Rewards sets a weekly sleep goal built from nightly scores, with Discovery Miles or instant treats like coffee when you hit the mark. There’s no penalty if you miss, only missed upside, which keeps motivation clean. To power accurate insights, Vitality partners exclusively with Oura. Members can fully fund an Oura ring through consistent sleep goals or take a 25% upfront discount, turning recovery into a measurable, rewarding habit. Points get a thoughtful upgrade too. You can earn up to 500 points per month for quality sleep. Cardio fitness steps out as its own category, allowing 10,000 cardio fitness points plus 25,000 from fitness events, lifting the total available fitness points to 35,000. It’s a design that rewards both daily effort and long-term aerobic capacity, while aligning with how behaviours reinforce each other: train well, sleep better, eat smarter, repeat. Ready to turn your routine into rewards? Follow the show, share it with a friend who needs a nudge, and leave a quick review so others can find us and level up their health. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

    11 min

  2. MAR 16

    166. From Gym Discounts To Real Health: How Discovery Vitality Actually Works

    Send a text Think Vitality is just cheaper gym and flights? We sat down with Vaughan from Discovery Vitality’s technical team to pull back the curtain on how the programme really works—and how you can turn health data into everyday rewards that actually move the needle. We start with the foundation: know your health. An annual health check and the Vitality Age assessment give you a clear baseline for blood pressure, BMI, glucose, and cholesterol. From there, the programme shifts from vague goals to concrete actions, rewarding behaviour that supports better outcomes. A key update many people miss: higher healthy food savings at Woolworths and Checkers are unlocked by completing those assessments, not by chasing status. That means real money back on groceries when you commit to the basics. We also dig into practical setup and strategy. Inside the Discovery app, you can confirm your rewards, check what’s linked, and choose a primary in-store partner and a primary online partner to maximise 25% back across both shopping channels. Prefer Woolies in-store and Checkers Sixty60 online? Structure it that way and keep more in your pocket. Beyond carts and tills, we explore the full fitness ecosystem: traditional gyms, heart rate-based workouts, Team Vitality events, the Fitness Network, and even the surge in padel. Sleep now stands alongside nutrition and movement as a formal pillar, recognising how recovery drives performance, weight control, and long-term health. For those chasing points with purpose, the heart rate workout tiers are still active, and the Vitality Points Guide remains your go-to for thresholds and caps. Our takeaway is simple and powerful: measure what matters, then make the next good choice easier with rewards that show up today while you build a healthier future. If you’re ready to turn Vitality into a clear plan—more savings, less guesswork, better habits—this conversation gives you the map. Enjoyed the episode? Subscribe, share it with a friend who needs a health nudge, and leave a review so we can keep bringing you practical money-and-health insights. Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    12 min

  3. MAR 9

    165. Designing Medical Aid For Modern Young Families

    Send us Fan Mail Prices go up, needs don’t pause. We open with why Discovery Health deferred contribution increases from January to April, putting relief back into members’ budgets, and then get straight into what families care about most: affordable everyday care without nasty surprises. Aldu from Discovery Health Medical Scheme joins us to unpack the Smart Saver Series, a new plan range built for young families who visit GPs, dentists, and optometrists more than they visit specialists, and who want predictable costs when life happens. We break down the two options—Essential Smart Saver and Classic Smart Saver—so you can see exactly where they differ. Essential funds in-hospital specialists at 100% of the Discovery Health Rate, while Classic goes up to 200%, a key edge if you want more specialist latitude. Both plans use the Smart Hospital and Smart GP networks for elective care, with emergency access at any facility. The real win is day-to-day value: network GP visits with low fixed copays (R75 on Classic, R130 on Essential) and unlimited access, plus one annual dental and optometry check per beneficiary at those same small copays. Add an OTC allowance, risk-funded scripts on Classic, and you’ve got routine costs under control. We also spotlight features that speak directly to modern family life. A built-in contraceptive benefit supports proactive health and budgeting. A kids’ injury benefit reduces the stress of a casualty visit with a low copay and freedom to use the nearest hospital. Then there’s the savings waterfall: risk-funded benefits first, the Personal Health Fund tied to health engagement next, and finally your Medical Savings Account, which carries over year to year. That structure protects your pocket for those less frequent but pricier needs like ENT, gynae, or orthopaedic consults, while still letting you use savings for any provider when you choose. If you’re weighing a plan change before April or trying to balance cost with real-world use, this walkthrough gives you clear, practical guidance to decide. Subscribe for more money-smart health cover insights, share this with a friend who’s comparing options, and leave a review to tell us which Smart Saver feature matters most to you. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

    13 min

  4. MAR 2

    164. Drowning in Debt, Here’s The Lifeline

    Send us Fan Mail Contact Chantelle:  chantelle@ssdebtcounsellors.co.za https://ssdebtcounsellors.co.za/ 071 641 8088 Feeling crushed by bills and constant calls from creditors? We sit down with Chantelle, a seasoned debt counsellor, to map a clear path from panic to plan. She explains how debt review can pause the noise, replace many chaotic payments with one structured instalment, and offer legal protection so you can run your home without fear. We dig into the mechanics: negotiating lower interest rates, adjusting terms without hiding costs, and making sure a court-approved budget leaves room for essentials like food, transport, and school needs. We’re candid about the trade-offs. Under debt review, you cannot take on new credit—an intentional reset that pushes you to live on cash and rebuild healthy habits. Chantelle breaks the myth that you can choose which accounts go in; it’s all or nothing to seal the leaks and end the cycle. We also talk timelines: while some terms extend, consistent payments and reduced interest can still shorten your overall journey compared to revolving debt that never ends. Not everyone needs formal counselling, and that honesty matters. Chantelle often helps people spot simpler moves: cutting unused subscriptions, downgrading cover, renegotiating a stubborn store card, or stretching a term with a creditor. The initial assessment is free, and fees only apply if you proceed with review, built into your monthly instalment. If you’re overwhelmed, start by gathering every statement, listing debit orders, and being frank about real household costs. From there, a plan emerges—steady, practical, and free of shame. We close with encouragement and next steps for South Africans searching for debt relief, credit repair, and financial stability. Subscribe for more conversations that turn money stress into clear actions, and share this episode with someone who needs a lifeline today. If it helped you, leave a review and tell us your biggest question about starting the process. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

    7 min

  5. FEB 23

    163. Debt Counseling, Demystified

    Send us Fan Mail Contact Chantelle:   chantelle@ssdebtcounsellors.co.za https://ssdebtcounsellors.co.za/ 071 641 8088 Feeling cornered by debt even though you’re working hard? We sit down with Chantelle from S&S Debt Counseling to unpack a proven, legal way to reset your repayments under South Africa’s National Credit Act. Together we walk through how debt counselling protects you from aggressive collections, restructures instalments to what you can truly afford, and builds a simple single payment that actually shrinks balances. We start with the real reasons people become over indebted: overtime cuts, job changes, and rising living costs that push budgets past breaking point. Chantelle explains the first signs creditors see, the Section 86 notice, and why acting within days can pause legal action. From there, we map the full assessment of your household budget, show how negotiators reduce instalments and often interest, and explain how a court order locks in the plan so banks must cooperate. The conversation gets practical. You’ll hear a clear example of turning a R10,000 surplus into a structured repayment that covers all accounts. We unpack why the snowball method frees you faster by closing small debts first and rolling those payments forward. We also dive into behavioural shifts: no new credit while under review, cutting up cards to end the swipe cycle, and using a semi-cash system to rebuild control. With regulated Payment Distribution Agencies handling money flows and transparent statements for you and creditors, the process stays clean and accountable. We close with alternatives like bank rearrangements, the risks they carry, and why legal protection often makes the difference between constant stress and steady progress. If debt has you feeling stuck, this conversation offers a map, a shield, and a plan. Subscribe, share with someone who needs hope, and leave a quick review telling us the one question you still have about debt review so we can answer it next time. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

    15 min

  6. FEB 16

    162. After A Big Trip, Here’s How To Fix Your Credit Card And Protect Your Cash Flow

    Send us Fan Mail We turn the post‑holiday credit shock into a practical plan: shrink the limit, build cash buckets and automate clean pay‑offs. We talk through the psychology of red balances, the banks’ incentives and how to set boundaries that stick. • why red numbers trigger panic and overspending • reducing the credit limit in steps with no score penalty • splitting bonuses between pay‑down and a cash bucket • using buckets for keeping, saving and giving • automating monthly settlement and limit reductions • saying no to bank‑pushed limit increases • using accountability with a planner or coach • building an emergency fund outside the card Reach out if you have more questions on that or pop us a message in the chat Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

    11 min

  7. FEB 9

    161. Maximise Your South African Tax Benefits With RAs & Tax-Free Savings

    Send us Fan Mail We dig into smart financial year-end moves for South African taxpayers, focusing on topping up tax-free savings and retirement annuities before the February cutoff. We show how to turn deductions and compounding into a reliable future income stream. • why the February deadline matters for SARS allowances • using TFSA for long-term growth, not short-term cash • the R36,000 annual and R500,000 lifetime TFSA limits • leaving TFSA invested after reaching the cap • planning for tax-free TFSA income in retirement • how RA deductions reduce taxable income now • the value of RA lock-in to protect compounding • recycling tax refunds back into TFSA or RA • pairing RA and TFSA to manage retirement tax Go and see your financial planners and discuss those two products and see how you can top it up or or adjust your debit orders and make sure it's beneficial for the long term Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

    8 min

  8. FEB 2

    160. When "I Do" Meets "Let's Do Business": A BrightRock Conversation

    Send us Fan Mail What happens when a business partnership faces an unexpected crisis? Much like a marriage contract that's never reviewed until divorce looms, poorly structured business agreements can lead to catastrophic financial consequences when partners die or become disabled.    Sean from BrightRock delivers powerful insights into business assurance solutions that truly protect what entrepreneurs build. He highlights how traditional insurance approaches often miss the mark by charging business owners for lifetime coverage when their needs may be temporary. Through BrightRock's needs-matched approach, businesses can secure precisely the protection required for contingent liabilities, buy-and-sell agreements, and key person insurance—without paying for unnecessary coverage.    The podcast reveals game-changing features like underwriting in bands of R10 million, allowing growing businesses to access significant additional coverage without further medical underwriting. This proves invaluable as businesses expand and owners develop health conditions that might otherwise make new coverage impossible to obtain. Sean emphasizes that premiums themselves become assets that can be repurposed when original needs expire, embodying BrightRock's three pillars of efficiency, flexibility, and certainty.    Perhaps most importantly, Sean warns against the dangers of generic online agreements, sharing a personal divorce story that underscores why proper legal documentation matters. "Spend money on getting this right," he advises, explaining how BrightRock partners with specialised attorneys to ensure comprehensive protection. In today's world of information overload, qualified financial advisors become increasingly valuable navigators through complex business protection decisions. The episode serves as a crucial reminder that successful entrepreneurs must look beyond immediate concerns to establish proper safeguards for their business futures.   Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

    10 min
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About

Welcome to Know your money, where we will explore our relationship with money and how the psychology of it impacts our financial decisions as everyone thinks about money differently. In our podcasts we will be presenting a variety of financial topics in an easy-to-understand way which, we hope, will assist you with managing your money.Please subscribe to our podcast or have a look at our website www.growthfp.co.za

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