A new year often comes with big intentions — to save more, spend smarter and finally get our finances in order. But for many South Africans, financial planning isn’t just about personal goals; it’s also shaped by family responsibilities, cultural expectations and economic realities. Today, we’re unpacking what it really takes to set yourself up for financial success in the new year. From budgeting and debt management to long-term wealth building, we’ll also take a closer look at black tax — how it affects financial decisions, and how to navigate it without sacrificing your own stability. Joining us is a financial expert to help us make sense of it all and offer practical advice that speaks to real life.