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. 3D AGO

    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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 12/15/2025

    153. Plan Your Year, Live Your Life

    Send us a text Ready to stop ending the year exhausted and wondering where your leave went? We share a simple, repeatable planning system that starts with joy: put holidays in the diary first, then design work around the life you actually want. From stretching 15 days of leave into memory-rich long weekends, to turning a big dream like a family Disney trip into a two-year, fully funded goal, we unpack the habits that make rest inevitable rather than hypothetical. We walk through practical tactics for affordable travel in South Africa: choosing bush, berg, or sea based on season, going self-catering or camping to cut costs, and keeping long weekends within a three-hour drive to avoid fatigue and fuel burn. You’ll hear how we use a dedicated holiday account, funded monthly, to remove the “we can’t afford it” barrier, and why your first year might mean fewer days off while you build the fund. We also talk about the strange magic of intentionality—how invitations and opportunities appear once your dates are set and you’re ready to say yes. Life design doesn’t stop at travel. After locking in rest, we add work targets, weekly rhythms, and the essentials from the wheel of life: health, relationships, finances, and growth. Small systems hold it all together—a family wall calendar to avoid clashes, a quarterly check-in to reset priorities, and a budget bucket for school-holiday extras so cash flow stays calm. Whether you’re planning a local braai weekend or saving for a bucket-list holiday, this approach helps you create a year you recognise and remember. If this conversation helped you rethink your calendar, subscribe, share it with a friend who needs a break, and leave us a review. Then open your diary, block your first long weekend, and tell us where you’re going. Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    13 min

  7. 12/08/2025

    152. Money Talks: Brightrock's Premium Settlement Options

    Send us a text What happens to your life insurance when you retire? Most people face a difficult choice between continuing to pay steep premiums or abandoning coverage they've funded for decades. Sean Hanlon, Executive Director at Bright Rock, reveals a game-changing alternative. The premium settlement option stands out as Bright Rock's signature offering. Unlike competitors who limit this benefit to age 65, Bright Rock allows clients to activate it from age 55, provided they've paid premiums for 15 years. This means you can stop paying premiums while your coverage remains intact—a crucial advantage when pension funding becomes your priority and rising insurance costs become burdensome. Beyond this cornerstone feature, Hanlon unpacks several innovative benefits that redefine traditional insurance approaches. The pre-funded funding pattern allows clients (particularly business owners and farmers) to pay slightly higher premiums initially while enjoying level payments and 4% annual coverage growth. This creates predictable cash flow and significant long-term savings—millions of rands over a lifetime. Perhaps most revolutionary is Bright Rock's underwriting approach. When you take out a policy, you're underwritten in bands of R10 million, giving you access to additional coverage without further medical underwriting. This proves invaluable when circumstances change, such as when business opportunities require increased loan facilities, and your health might have changed. Even more remarkable, the "change moment payout" feature provides income for 10 years after retirement, functioning as a pension booster that pays out even if you've previously claimed on your income protection policy. Whether you're planning for retirement, structuring business insurance, or ensuring fair inheritance between children with different career paths, these features offer unprecedented flexibility. Listen now to discover how these innovations might transform your financial planning approach. Have you considered how your insurance needs will change in retirement? Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    12 min

  8. 12/01/2025

    151. Brightrock - Rethinking Life Insurance: The Premium Asset You Didn't Know You Had

    Send us a text What if your life insurance actually understood your changing needs over time? Sean Hanlon, Executive Director at BrightRock, returns to challenge everything you thought you knew about protecting your financial future. Most insurance companies sell you a "chunk of life cover" without truly understanding your needs. Sean reveals why income protection—your ability to earn until retirement—is actually your family's most valuable asset yet remains grossly undersold in South Africa. BrightRock's revolutionary approach splits protection into categories that reflect real life: household expenses, childcare costs, and healthcare expenses, each inflating at different rates. Through a powerful real-world example, Sean shares how a 40-year-old doctor diagnosed with stage four cancer was able to capitalize 25 years of future income rather than receiving monthly payments until his death four years later. This claim-stage flexibility represents a fundamental shift in how insurance can work when you need it most. Perhaps most revolutionary is BrightRock's concept of your premium as an asset. Unlike traditional policies where premiums simply disappear when coverage ends, BrightRock allows you to convert that premium value to other forms of coverage as your needs change—without medical underwriting. This becomes increasingly valuable as you age and developing health conditions might otherwise make obtaining new coverage impossible. Sean challenges listeners with a sobering reality check: if you earn R1 million annually with 25 working years ahead, you need R25 million in life cover to truly replace that income—not the R5 million many might have. Are you actually worth more dead than alive, or are you severely underinsured? Listen now to discover how needs-matched insurance can transform your financial protection. Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

    12 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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