Know Your Money with Bronwyn Waner and Craig Finch

Know Your Money
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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. 2D AGO

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

    Send us a text 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

  2. FEB 2

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

    Send us a text 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

  3. JAN 26

    159. Securing Your Child's Future: BrightRock's Innovative Child Care Benefit

    Send us a text What happens to your children's education if you're no longer able to provide for them? Sean Hanlon, Executive Director of BrightRock, returns to Know Your Money to tackle this critical question with hosts Bronwyn Waner and Craig Finch.    The conversation delves into BrightRock's unique Child Care Benefit, challenging conventional thinking about educational protection. Rather than offering a traditional lump sum payment that statistics show disappears within just 36 months on average, BrightRock provides an annuitized income that continues until a child reaches age 24. What makes this approach revolutionary is that it's not contingent on school attendance, allowing families flexibility if circumstances change after a parent's death or disability.    Hanlon shares personal insights as a father of four, explaining how he structured his own family's protection through a trust that owns his policy. This arrangement ensures each child receives a guaranteed monthly amount with specific conditions attached. The benefit also addresses the reality of educational inflation, with some private schools increasing fees by approximately 12.5% annually – far outpacing standard inflation indexes.    At its core, the Child Care Benefit represents a philosophical shift in how we think about protecting our children's futures. As Hanlon poignantly observes, "What does money really give you? It gives you choice." By focusing on preserving choices rather than simply covering educational expenses, BrightRock's approach offers a more comprehensive safety net for families facing life's uncertainties.    Want to learn more about innovative financial protection strategies for your family? Subscribe to Know Your Money through our website at www.growthfp.co.za and join the conversation about securing your children's financial future. Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    8 min

  4. JAN 19

    158. Flourish Blueprint explained - Prepare Today For The Self You Haven’t Met Yet

    Send us a text What if your money plan was designed for every version of you, not just the one paying bills today? We take a practical, human look at life’s moving parts—student, first job, partner, parent, homeowner, and future retiree—and map out how to fund each stage without feeling overwhelmed. The goal isn’t a perfect spreadsheet; it’s a calm system that protects your income, supports your people, and builds the freedom to choose work you love. We start with foundations that unlock resilience: income protection as the engine of your plan, medical aid you can actually use, and an early retirement contribution that leverages compounding for decades. From there, we add bricks as life expands—choosing the right marital property regime before the wedding day, setting life cover to match real obligations, and planning for children’s education without starving your own future. Along the way we tackle the hard but necessary steps people avoid, like drafting a valid will, updating beneficiaries, and preparing for illness or loss so a single blow doesn’t derail years of progress. Retirement gets a reframing too. Instead of waiting for a date on a calendar, we aim for financial independence, where invested assets can fund your life well before 65. That means capturing salary increases into savings, taming lifestyle creep, and building buffers that turn surprises into detours, not disasters. You’ll hear how to balance living well now with protecting the next version of you, and why a seasoned planner can speed up every transition you’ll face for the first time. Ready to fund the self you haven’t met yet? Follow the show, share this episode with someone starting a new chapter, and leave a review to help more people build calm, confident money plans that grow with their lives. Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    11 min

  5. JAN 12

    157. Flourish Blueprint explained - How Your First Money Memory Shapes Every Rand You Touch

    Send us a text Ever feel like more than one voice is making your money choices? We dive into a simple but powerful idea: your financial life is shaped by internal parts—the spender who wants joy, the saver who wants safety, the earner who chases security, and specialised roles like the workhorse that ties worth to output or the proud one that resists help. By naming these voices and giving each a role, you turn inner conflict into a practical plan. We unpack how the flourish blueprint maps these parts to a wheel of wealth so every rand has a purpose. You’ll hear how a dominant workhorse can lead to burnout and lopsided plans, and why the proud part can push people to blow windfalls because receiving feels uncomfortable. We share a windfall protocol for bonuses, inheritances, and unexpected gains that channels money into long-term investments, near-term goals, security buffers, and guilt-free fun. You’ll learn how a tiny “joy budget” prevents blowouts, why automation protects your future self, and how boundaries at work help the earner without sacrificing family. To find your default script, we ask one revealing question: what is your first money memory? Whether your early imprint was spending, saving, or earning, that story still guides your wallet today. We show how to balance all three so you enjoy life now, protect tomorrow, and earn with purpose. The goal is not to silence any voice but to create a steady rhythm where each part speaks and is heard. If you’re ready to turn money stress into a clear plan that fits your whole life, you’ll leave with steps you can use today. If this resonated, follow the show, share it with a friend who’s navigating a bonus or windfall, and leave a review with your first money memory—we’d love to hear which voice is loudest for you. Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    8 min

  6. JAN 5

    156. Flourish Blueprint explained - Your Budget Called; It Wants A Date Night

    Send us a text Ever feel like life keeps bumping along on a jagged wheel—good career, shaky health, no time for friends, and money always tight? We unpack a practical way to smooth the ride by pairing the Wheel of Life with the Wheel of Wealth, showing how small, planned moves can unlock time, reduce stress, and fund what matters most. Instead of chasing motivation, we map honest scores across career, health, fitness, fun, community, family, friends, love, and learning, then turn those insights into non‑negotiable diary “rocks” that actually happen. From there, we zoom into money as seven relationships: receiving income from assets, active vs passive earning, conscious spending, saving for named goals, giving with intention, and steady growth through learning. You’ll hear how active earning often blocks rest and recreation, why passive income and side projects can create breathing space, and how to direct cash toward priorities like a weekly date night or a basic gym plan without derailing the budget. The guiding principle is simple and liberating: every rand needs a plan. When each rand has a job, impulse fades, goals get funded, and your calendar reflects your values. We keep it practical with examples you can copy this week: set three immovable health sessions, budget a modest monthly braai to nurture friendships, allocate a course fee and study hour to boost earning power, and start a small “fun and recreation” pot so joy isn’t an afterthought. The goal isn’t a perfect circle; it’s a wheel smooth enough to roll. Subscribe for more real‑world money tips, share this with a friend who needs a reset, and leave a quick review telling us which spoke you’ll improve first. Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    9 min

  7. 12/29/2025

    155. Flourish Blueprint Explained - Design a life where every rand has a role

    Send us a text Money plans usually break where emotions begin. We take you inside the Flourish Blueprint, a behaviour-first approach that starts with who you are, then builds systems that hold under stress, and only after that chooses the products and portfolios to carry your goals. Bronwyn Waner and Craig Finch share hard-won lessons from years of planning: why clients panic when markets dip, how generous people can set boundaries without losing heart, and what it takes to design a plan that funds every version of you — present, near-future, and retired. We walk through the seven steps, from mapping the Wheel of Life to reveal true priorities, to applying the Wheel of Wealth to spending, saving, giving and protection. You’ll hear how a coach-style relationship spots blind spots — the “weak backhand” — and turns them into strengths with practical habits. We make the case for automation as your strongest ally, routing rands to emergency buffers, retirement, and goal funds before lifestyle spending even starts. Then we dig into providers and wrappers, why regulated platforms and tax-efficient vehicles matter, and how poor wrapper choices can cost you in taxes and estate complexity. Finally, we connect time horizons to asset allocation in simple, usable terms. Long-term goals need equity exposure across local and global markets; short-term needs stay in cash-like assets to avoid painful timing risk. Most advisers start here and lose clients at the first scare; we start with behaviour so the allocation sticks. By the end, you’ll have a clear picture of how to calm fear, set sustainable giving boundaries, and build a plan that compounds quietly while you live your life. If this resonates, subscribe and share with someone who needs a calmer path to growth. Leave a review with one insight you’re going to act on this week — what will you automate first? Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    14 min

  8. 12/22/2025

    154. How Online Betting Drains Wallets And Communities

    Send us a text The scoreboard says “fun,” but the numbers tell a different story. We dig into the surge of online gambling in South Africa—how seamless phone betting, constant sports ads, and a culture of “one more chance” are reshaping family budgets, draining community spend, and pushing people into risky debt. Drawing on recent retail data, industry quotes, and firsthand stories, we unpack why the house always wins and what that means for anyone trying to build savings, pay school fees, or simply keep the fridge full. We talk through the mechanics that make mobile betting so dangerous: anonymity that hides the problem, rapid-fire micro-bets that blur cost, and platforms designed to keep you engaged. Then we zoom out to the wider economy, where money that once circulated through local shops now flows to platforms—many with profits that don’t cycle back into South African communities. The jump from R10bn to R150bn in online betting over five years isn’t a headline; it’s a warning light for households and the country. This conversation gets practical fast. We share step-by-step ways to add friction—deleting apps, blocking merchants, using bank tools for alerts, and automating essentials on payday so temptation meets an empty runway. We offer a path for recovery that respects the realities of addiction: tell one trusted person, seek professional support, and rebuild a spending order that protects food, housing, and transport before anything else. We also challenge platforms and regulators to introduce guardrails that reduce harm without waiting for crises to stack up. If you’re wrestling with betting—or worried about someone you love—there’s a way forward that puts structure, support, and sanity back into your money. Listen, share with a friend who needs it, and subscribe for more straight-talking guidance. If this helped, leave a review and tell us what tools you want us to explore next. Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    8 min
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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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