Francly Speaking

Franc Group
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Franc's goal is to make investing simple and accessible to all South African's. We believe part of that goal is educating our users on personal finance and investing. So if you are keen to learn more don't forget to click the subscribe button.

  1. 2d ago

    Knowing more about money won't make you better with it

    Knowing more about money won't necessarily make you better with it.That might sound strange. But it's one of the clearest findings from the Franc Wealth Index Report 2026, based on responses from nearly 4,000 South Africans.In episode 4 of the Francly Speaking Wealth Index mini-series, Manuella Penev and Dr Thomas Brennan unpack the gap between knowing and doing when it comes to money.In this episode, they explore:🧠 Why financial knowledge is a much weaker predictor of financial wellbeing than most people think📊 What the data reveals about South Africans' financial literacy levels💸 Why even financially knowledgeable people often struggle with saving, investing and retirement planning⚙️ The role that habits, systems and structure play in turning good intentions into action📈 Why the most financially successful people rely on routines, not motivationOne of the most important insights from this conversation? Knowledge creates intent. It doesn't automatically create action.The data suggests that financial wellbeing isn't built by learning everything before you start. It's built by taking small actions consistently, and creating systems that make those actions easier to repeat.Download the full Franc Wealth Index Report 2026:https://tinyurl.com/8kw526n8If you've ever told yourself, "I'll start investing once I understand a bit more", this episode is for you.Don't wait until you feel ready. The doing is part of the learning.Download the Franc AppGoogle Playstore: http://bit.ly/3cJgLN2Apple App Store: http://apple.co/36LTealHuawei App Gallery: https://bit.ly/3P1UtFM

  2. 2d ago

    Habits with the BIGGEST financial impact

    Most people think financial wellbeing starts with earning more money. The data says it starts with having a plan.In episode 3 of the Francly Speaking Wealth Index mini-series, Manuella Penev and Dr Thomas Brennan unpack the small money habits that have the biggest impact on financial wellbeing In this episode, they explore: 1) Why investing consistently is the single strongest predictor of financial wellbeing. 2) How setting financial goals can more than double your chances of stronger financial outcomes. 3) Why emergency savings are the foundation that supports every other money habit. 4) What behavioural science teaches us about "keystone behaviours" 5) Why financial planning may be the most powerful financial habit of all. One finding stood out above the rest: people who actively plan their finances score higher across every dimension of financial wellbeing — from investing and saving to confidence and peace of mind.The good news? Financial planning doesn't need to start with a spreadsheet or a financial adviser.It can start with one goal, one number, and one timeline.

  3. 2d ago

    The Gender Confidence Gap

    Women are outperforming men financially. So why are they still more anxious about money? In episode 2 of this Francly Speaking mini-series, Manuella Penev and Dr Thomas Brennan unpack: 1) Why women scored higher than men on overall financial wellbeing 2) Why women still report significantly higher financial anxiety 3)The money habits women tend to do better than men 4) Why investing confidence — not capability — is often the real barrier 5) And why waiting to “feel ready” before investing might be holding you back. One of the most important takeaways from this conversation? Confidence doesn’t usually come before action. It’s built through action. This episode is not about blaming women for feeling anxious about money. The data shows those concerns are rooted in very real pressures. But it also shows something equally important: many women are doing far better financially than they give themselves credit for.

  4. 2d ago

    What South Africa's Financial Wellbeing Really Looks Like

    Most South Africans don’t have a money problem. They have a habit problem.That’s one of the biggest findings from the inaugural Franc Wealth Index Report 2026 — based on responses from nearly 4,000 South Africans. In episode 1 of this new Francly Speaking mini-series, Manuella Penev and Dr Thomas Brennan unpack: 1) Why South Africa’s median Wealth Score is just 45/100 2) Why emergency savings are the country’s weakest financial habit 3) Why your financial behaviours matter more than your salary 4) The simple habits most strongly linked to better financial wellbeing 5) And maybe the most surprising insight of all? Financial wellbeing doesn’t automatically improve with age. This conversation is not about judgement or perfection. It’s about understanding where you stand, and what small shifts actually move the needle.

  5. 10/10/2024

    From Family Hustle to Financial Independence: Dudu's Investing Story

    In this episode, we talk to Franc investor Dudu about her money journey. Growing up in a family of entrepreneurs, Dudu learned early lessons about hard work and income. She shares how she overcame debt, started saving intentionally, and began investing to secure her daughters’ future. Dudu also dives into her experience investing through different investment groups, offering valuable tips on what to do—and avoid—when building wealth collectively. Filled with personal insights and practical financial tips, Dudu’s story is both inspiring and educational. 💡 Be sure to share your financial/investment journey down below! 🙌 Timecodes: 00:00 - 00:42 Trailer 00:43 - 08:21 Introduction 08:22 - 14:02 Dudu's early relationship with money 14:03 - 16:20 What was the trigger point for Dudu to start investing and saving 16:21 - 23:00 How and where Dudu learnt about saving and investing 23:01 - 25:15 Why is investing in a group important for Dudu 25:16 - 28:52 Drawbacks of group investing 28:53 - 30:29 Dudu's personal investments 30:30 - 31:34 What is Dudu's investment portfolio made up of 31:35 - 32:32 How did Dudu hear about Franc 32:33 - 34:22 How Dudu's investment approach has changed over time 34:23 - 36:50 Parting advice from Dudu 36:51 - 37:40 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

  6. 09/26/2024

    Investor to Entrepreneur: Karabo Shares Her Financial Journey

    🎨 In this episode of Francly Speaking, we sit down with Karabo, a Franc investor and passionate art collector, who shares how she combined her love for art with smart financial strategies to build her wealth. Karabo talks about how she turned her passion into a thriving business and how being an entrepreneur has reshaped the way she manages her finances. Her story is a testament to working hard and smart, and thinking differently about money. 📈 Be sure to share your financial/investment journey down below! 🙌 Timecodes: 00:00 - 00:50 Trailer 00:51 - 03:19 Introduction 03:20 - 07:16 How her childhood influenced her financial journey and career choices 07:17- 12:25 Where and when did Karabo start investing for herself 12:26 - 14:29 How Karabo manages and researches risk in investing 14:30 - 22:35 What is Karabo's investment strategy 22:36 - 24:54 Karabo speaks about her business, Capital Art 24:55 - 29:59 How Karabo approaches managing her investments and business 30:00 - 31:08 What excites Karabo about investing 31:09 - 33:24 Karabo's parting advice 33:25 - 34:02 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

  7. 09/12/2024

    From a Rural Village in the Eastern Cape to the Big City: Phumzile's Investing Story

    🌍 From a small rural village in the Eastern Cape to the fast-paced life of the big city, Phumzile's investing journey is nothing short of inspiring. In this episode, Phumzile—one of our guest blog writers and a dedicated Franc investor—shares how he navigated his financial path, overcoming challenges and adapting to new environments. 📈 His story highlights the power of perseverance, smart investing, and how anyone can achieve their financial goals no matter where they start. Be sure to share your financial/investment journey down below! 🙌 Phumzile's Blog posts: Overcoming 3 Major Hurdles on My Path to Investment Success - https://shorturl.at/HgIBe 7 Resources That Had a Pivotal Role in How I View Investing - https://shorturl.at/yQLtn The 5 Misconceptions I Had to Overcome to Build Wealth - https://shorturl.at/Jwx1t Timecodes: 00:00 - 00:58 Trailer 00:59 - 04:05 Introduction 04:06 - 08:51 How did Phumzile first get into investing 08:52 - 12:49 How Phumzile's investment journey and strategy changed 12:50 - 14:08 Phumzile's reccomendations on investing resources 14:09 - 15:30 How Phumzile's ideas and views changed on investing 15:31 - 16:48 What does the future hold for Phumzile and what is his investing goal 16:49 - 17:53 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

  8. 08/29/2024

    From Surviving to Thriving: The Story of a Determined Franc Investor

    🌱 From humble beginnings to building her financial future, Chantel's story is one of resilience and determination. In this episode of Francly Speaking, we hear from Chantel, a Franc investor who opens up about her journey into investing. She shares how she started with little, faced numerous challenges, and fought her way through financial setbacks to achieve her goals. Her journey proves that anyone can start investing, no matter where they begin. Tune in to hear Chantel's inspiring story and learn how you can overcome your own obstacles to secure your financial future. Be sure to share your financial/investment journey down below! 🙌 Timecodes: 00:00 - 00:45 Trailer 00:46 - 04:19 Introduction 04:20 - 07:31 How and why Chantel's perspective of money changed 07:32 - 11:53 How Chantel got out of her financial challenges 11:54 - 13:52 How Chantel managed her money going forward 13:53 - 20:15 Chantel's approach to investing 20:16 - 21:23 What excites Chantel about investing 21:24 - 23:00 What frustrates Chantel about investing 23:01 - 25:07 Chantel's parting advice 25:08 - 25:42 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

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Franc's goal is to make investing simple and accessible to all South African's. We believe part of that goal is educating our users on personal finance and investing. So if you are keen to learn more don't forget to click the subscribe button.

Information

  • Creator
    Franc Group
  • Years Active
    2021 - 2026
  • Episodes
    101
  • Rating
    Clean
  • Copyright
    © Franc Group
  • Show Website
    Francly Speaking