Our nation is faced with a challenge: a shockingly low savings rate of just 0.5%. Deloitte South Africa's recent findings shed light on the income households, businesses, and governments save instead of spending in our economy. Many South Africans need help to keep their budgets out of the red in our current economic climate. The rising cost of staple foods along with the increased costs of everyday living make it difficult for most households to survive, let alone save. Sadly, those earning in the low-income bracket, who make up most of the workforce in South Africa, are especially hardest hit as they often rely on debt to make ends meet. Ultimately, the only lasting way to get out of debt is to change the way you think about how you spend your money. .  This evening on Financial matters we talk about the shares, what are they, how and where can you buy them, how they can be featured in your retirement plan, as well as the do’s and don’ts of buying shares and as always we’re joined by Dr Frank Magwegwe, Head of Financial Wellness and Advisory at Nedbank and GIBS faculty member, joins us again on this discussion.