South Africa’s tough economic conditions have left many individuals struggling to build emergency cash savings, according to Standard Bank data, more than half (52%) of entry-level private banking clients have less than one month of their salary saved in immediately accessible cash savings, available for use in the event of unforeseen circumstances such as retrenchments or urgent medical procedures. Without these savings, many have had to resort to debt, negatively affecting their ability to start building wealth over the long term. We speaking to Doret Jooste Head of Money Management and Advisory at Standard Bank.