If there’s one thing I wish I knew earlier, it’s this: money decisions you make in your 20s and early working years shape the rest of your life. Nobody really sat me down to explain financial planning when I was a student. I thought, “I’ll start saving once I earn more”, or “retirement is way too far to worry about now.”
Sound familiar?
The truth is, when you’re young, every rand feels stretched. You’re probably turning coins over twice before spending them. But here’s the exciting part: this is the BEST time to start financial planning. And no, you don’t need to be rich to see a financial planner.
Why start now?
- Your secret weapon is time. Even a small monthly amount invested in a tax-free savings account, for example, grows into something powerful over the years.
- Life happens. An emergency fund means a flat tyre or unexpected medical bill doesn’t throw you into debt.
- Big dreams need small steps. Whether it’s buying a car, your first home, or even travelling, a planner helps you map out how to get there.
- Retirement is not a “later problem.” The earlier you start, the less you need to save each month – and your future self will thank you big time.
- Cover yourself. Medical aid, insurance, and basic protection don’t sound exciting, but they save you from financial disasters down the line.
Here’s the thing
A financial planner isn’t just for “older people with lots of money.” They’re there to help you use what you have wisely, protect yourself, and start building a life you want – without the constant stress of “what if something goes wrong?”
So if you’re a student or just starting to work, this is the best moment to reach out, ask questions, and start small. The earlier you start, the easier the journey becomes.
Trust me, your future self will look back one day and be grateful you took that step.
#OurWealthIsYou