Finance: What could a Two-Pot Withdrawal cost you

Africa Melane speaks to Sean Kelly, Director at Parity Wealth Managers, about the two-pot retirement system and whether South Africans should consider making a withdrawal during the 2026/27 tax year. They unpack how the system works, how much you can access, the tax implications and the potential l…

Finance: Till debt do us part? The real cost of saying "I Do"

After last week's conversation about a celebrity crowdfunding her wedding, we heard from countless listeners who admitted they know of someone who has borrowed money or took out loans to pay for their weddings. With the average South African wedding costing tens of thousands of rand, how do you cel…

Finance: Study finds 87% of South Africans lack a three-month financial safety net

Many South Africans know they should be saving, but soaring living costs are making it increasingly difficult. Africa Melane speaks to Nita Morgan, Director of Prime Loans, about balancing savings with responsible credit, avoiding illegal lenders, and building financial resilience during tough econ…

Finance: Your mid-year financial check

Africa Melane speaks to Damon Sivitilli, CEO of Vantage Debt Management, about taking stock of your finances at the halfway point of the year. From resetting your budget and managing debt to rebuilding your savings, we explore practical ways to get your 2026 money goals back on track before year-en…

Finance: How refund delays can turn into debt problems

Africa Melane speaks to Dehan Scherman, Senior Operations Manager at National Debt Advisors, about why taxpayers should think twice before borrowing or spending against an expected SARS tax refund. With billions already paid out this tax season, they unpack the risks of refund-anticipation borrowin…

Finance: Teaching children to save starts earlier than you think

Helping children build healthy money habits starts long before they earn their first paycheck. Jacob Moshokoa is joined by Thabo Hollo, Old Mutual Senior Programme Manager to discuss practical ways parents can teach children to budget, save, understand the difference between wants and needs, and bu…

Finance: Betting on the big game, is it worth the risk?

With the FIFA World Cup, rugby season and other major sporting events capturing the nation's attention, sports betting is booming. But while placing a bet may seem like harmless fun or even a chance to ease financial pressure, the odds are rarely in the bettor's favour. Smart About Money editor Lau…

Finance: Nearly 60% of rejected young borrowers forced into mashonisas

Nearly 60% of young South Africans rejected by banks are turning to mashonisas as unemployment, rising costs, and student debt push survival borrowing into dangerous territory. Jacob Moshokoa speaks to Samantha Moyana, Debt Counsellor at National Debt Advisors, about how financial exclusion is driv…

Finance: Five practical steps to take control of your financial future

Africa Melane speaks to Citadel Advisory Partner Elelwani Ravele on why South Africans should treat their personal finances like a business, focusing on disciplined behaviour, cash flow management and long-term strategy to build and protect wealth in a tough economic climate. Early Breakfast with …

Finance: The real tax rate South Africans pay (and it’s not on your payslip)

Africa Melane speaks to Sean Kelly, Director at Parity Wealth Managers, about the cumulative tax burden facing South Africans and how taxes affect consumers far beyond their monthly PAYE deductions. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced bro…