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. 1 day ago

    192. South Africa’s Three Marriage Regimes Explained Clearly

    Send us Fan Mail The most romantic plans in the world won’t protect you from the fine print of a marriage contract. We sit down for a quick, practical guide to the three matrimonial property regimes in South Africa, and why your choice can shape everything from day-to-day money decisions to what happens if you divorce or lose your spouse. We walk through in community of property and explain what “one estate” really means for assets, debt, and the messy reality of splitting everything 50/50. We also unpack the two flavours of an antenuptial contract (ANC): without accrual and with accrual. If you have ever assumed an ANC automatically means “fair”, we explain why that is not always true, especially when one partner earns while the other supports the household, raises children, or backs a growing business. We then get specific about the accrual system: what you can exclude, what is automatically excluded (inheritance, donations between spouses, damages for losses, and commencement values), and why vague commencement values can turn a future divorce into a costly argument. Our goal is simple: help you ask better questions of your lawyer and your financial planner so your marriage regime matches your real life, not just a template. If this helped, subscribe, share it with someone getting married, and leave a review so more South Africans can make smarter money decisions before signing. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

  2. 7 Sept

    191. Start Saving Because Winter Is Coming

    Send us Fan Mail Most financial stress does not come from one bad decision, it comes from a plan that leaves no room for error. Bronwyn Waner and Craig Finch from Growth Financial Planning, work through Morgan Housel’s “Room for Error” to show why confident forecasts can be dangerous, especially when you have only experienced good markets and steady economic conditions. We talk about the temptation to assume the stock market will keep delivering the same returns, and why a smarter retirement plan in South Africa starts with humility. By lowering expected investment returns and saving a bit more, you build a margin of safety that makes your plan more resilient. We also use a simple seasons metaphor: it is not always summer. Winter comes, and the real skill is staying patient and prepared until conditions improve. Then we zoom out from market risk to real-life risk. COVID showed how quickly income can disappear, which is why an emergency fund matters. We also share a powerful medical aid story that highlights how a single blind spot can overwhelm even an excellent savings rate. Medical aid, gap cover, and income protection are not flashy, but they can protect your health, your cash flow, and your ability to retire on time. If you want practical financial planning ideas you can apply immediately, listen now, share this with someone who is building a plan, and please subscribe and leave a review so more South Africans can find the show. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

  3. 31 Aug

    190. How Personal History Changes Investing Choices

    Send us Fan Mail Your financial plan is never just about numbers. It’s also about the surprises that shaped you, the stories you inherited, and the moments that made you decide “I’ll never do that” or “I must always do this”. We pick up Morgan Housel’s The Psychology of Money, chapter 12 (“Surprise”), and unpack why using history to predict the future can be useful, but also dangerously incomplete when life throws the unexpected at you.  We talk about how your personal history can quietly run your money decisions. If you grew up with a parent who took big risks, spent freely, or never built a safety net, you might respond by becoming extremely cautious, even when smart, diversified investing would serve you. We share how that risk story can lead to missed opportunities, and why starting early and saving consistently still matters, even when you feel unsure.  We also explore a powerful client example: when no one in your family lives past a certain age, why would you save for retirement at all? Add a childhood link between investing and gambling, and suddenly “growing money” feels unsafe. That’s where money mindset work and good financial planning meet, helping you spot the belief, understand how it once protected you, and choose a more balanced approach. We end by reflecting on COVID-19 as a money memory that still influences spending, saving, and fear today.  If you found this helpful, subscribe, share it with someone who’s rethinking their money habits, and leave a review so more people can find the podcast. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

  4. 24 Aug

    189. You're A Person, Not A Spreadsheet

    Send us Fan Mail A flawless spreadsheet can be the fastest way to do nothing. We talk through Morgan Housel’s “reasonable versus rational” idea from The Psychology of Money and why a plan that helps you sleep at night often beats a plan that looks perfect on paper. From a South African financial planning lens, we unpack what happens when the numbers don’t match your real life. Think of the young professional or student trying to afford medical aid, income protection, possible life cover, and retirement savings while earning a starter salary. When the “correct” answer eats most of your pay cheque, the real skill becomes prioritising, placing smaller bricks first, and mapping out what you will add as your income grows. We also zoom out to retirement planning and lifestyle choices. Many people assume their current costs will stay the same forever, but life changes and so can spending. Holidays are a great example: an overseas trip every year might be irrational for your budget, but a local South African break can still be a meaningful, affordable goal. The key takeaway is simple: keep the spreadsheet, but treat it as your North Star, not your bible, and come back to it after every season-changing event like buying a home, getting married, or having children. Subscribe for more practical money conversations, share this with someone who feels stuck, and please leave a review. What part of your money plan feels unrealistic right now? Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

  5. 17 Aug

    188. Saving Money Is A Habit You Can Learn

    Send us Fan Mail Saving money is not a personality trait, it is a skill you can build, and we get honest about why so many of us struggle to start. We are Bronwin Wayner and Craig Finch from Growth Financial Planning, and we work through a practical, human look at saving that goes beyond spreadsheets. If you have ever told yourself “I’ll save when I’m older” or “I just can’t save”, this conversation is for you.  We unpack the three types of savers and how people can shift between them as life changes. From lifestyle spending to the short-lived thrill of a flashy purchase, we talk about what actually drives decisions, and why the psychology of money matters as much as the maths. We also explore a key wealth-building idea: a higher saving rate can outweigh a higher investment return, which is a relief if you are tired of feeling behind or overwhelmed by market noise.  We then move into what support looks like in the real world: using the right long-term tools, understanding a tax-free savings account properly, and having a financial plan that covers both goals and the “what ifs” like health shocks or income disruption. If you want to build better money habits, improve your budgeting, and grow your retirement savings in South Africa with less stress, press play and start where you are. Subscribe, share with someone who needs the nudge, and leave a review with the money habit you are working on right now. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

  6. 10 Aug

    187. The Ferrari, The Honda And The Truth

    Send us Fan Mail The most dangerous money mistake is also the easiest to make: confusing what looks wealthy with what actually is. We sit down with Chapter 9 of Morgan Housel’s The Psychology of Money and get honest about the gap between being rich today and being wealthy for life. From the quiet power of savings and investment portfolios to the temptation of flashy spending, we talk about why the best financial decisions often happen out of sight.  We dig into the idea of “enough” and why defining it can change everything. A Ferrari might impress people for a moment, but a repayment you can’t afford can trap you for years. We link wealth to freedom, the kind that comes from living below your income, saving consistently, and investing for the future version of you. We also look at real-life cues that mislead us, because we judge what we can see, even when the truth sits in someone’s bank account, not their driveway.  We close with a practical planning mindset: your goals are meant to evolve as you move through different seasons of life. That means checking in often, adjusting as marriage, kids, and new responsibilities arrive, and keeping your money aligned with your values instead of your image. If you want a grounded, South Africa-friendly conversation about personal finance, financial planning, wealth building, and financial freedom, this one is for you. Subscribe, share it with a mate, and leave a review so more people can learn to build wealth they don’t need to prove. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

  7. 3 Aug

    186. The Ferrari Paradox

    Send us Fan Mail The quickest way to waste money is to spend it on a version of respect that never arrives. We pick up Chapter 8 of Morgan Housel’s The Psychology of Money, “The Man in the Car Paradox”, and use a simple valet parking story to expose a powerful truth about status symbols: when people stare at the Ferrari, they are often not thinking about the driver at all. They are imagining themselves in the driver’s seat. We explore what that means for personal finance and financial planning in real life. If your spending is built around being seen as successful, you can end up trapped in lifestyle inflation, comparison, and constant upgrading. We talk honestly about the inner pull to look outward for validation, and why getting comfortable with who you are can change everything from your savings rate to your long-term wealth and financial independence. We also make space for nuance. Big goals are not “bad” goals. If you genuinely love cars, design, performance, or the meaning attached to a lifelong dream, then aiming for something like a Ferrari can be a clear, values-based choice. The difference is whether the purchase is for your life or for an audience. We run through a practical thought experiment: if you had millions to spend, what other version of you might feel prouder putting that money towards investing, family security, debt reduction, or charity? If this conversation makes you rethink one purchase, one goal, or one assumption about what people think of you, subscribe to Know Your Money, share the episode with a friend, and leave us a review so more listeners can find it. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

  8. 27 Jul

    185. The Highest Form Of Wealth Is Control

    Send us Fan Mail Freedom is not a luxury item you buy once you hit some magic number. For us, it is the ability to wake up and know you have choices, even when life does not go to plan. We dig into Chapter Seven, “Freedom”, from Morgan Housel’s The Psychology of Money and get honest about why so many people feel trapped despite earning well, and why others have time but not enough money to live with ease. We talk about the real target: balancing time and money in a way that matches your lifestyle and values. That does not require billions of rands. It requires clarity on what “enough” looks like for you, steady saving, and a plan that can bring forward your options long before traditional retirement age. We also explore the hidden cost of being permanently busy, especially in demanding careers, and why chasing income without time can create problems that money cannot easily fix. A big part of financial wellbeing is preparing for the “what ifs”. As financial planners, we do not only plan for the version of you who is working and earning today. We look at what happens if you get sick, cannot work, or need to protect your family. We link this to research on happiness that points to one powerful driver: a strong sense of control over your life. Like a farmer cannot control the weather but can prepare for drought or floods, you cannot control every curveball, but you can build resilience through smart protection, savings, and goals. If you enjoy practical conversations about financial freedom, financial planning, and building real-life options, subscribe, share this episode with a friend, and leave us a review. Support the show Please subscribe to our podcast or have a look at our website  www.growthfp.co.za

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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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