From settling informal debt to buying used cars, South Africans used their two-pot retirement fund withdrawals for short-term relief. Momentum’s Rob Southey joins Zain Johnson to unpack what this spending pattern reveals about consumer behaviour, debt, and the state of financial literacy in the country — and whether we’re learning from the process.

<p>From settling informal debt to buying used cars, South Africans used their two-pot retirement fund withdrawals for short-term relief. Momentum&rsquo;s Rob Southey joins Zain Johnson to unpack what this spending pattern reveals about consumer behaviour, debt, and the state of financial literacy in the country &mdash; and whether we&rsquo;re learning from the process.</p>

Your early morning chat - traffic - news fix delivered in a relaxed manner. weekdays from 4 am to 6 am.

Early Breakfast with Africa Melane

Your early morning catch-up with chat, traffic and news delivered in a relaxed manner. weekdays from 4 am to 6 am.

<p>Your early morning catch-up with chat, traffic and news delivered in a relaxed manner. weekdays from 4 am to 6 am.</p>