By Delon le Roux, EMBA One of the most profound realisations in wealth management is that you cannot break generational curses if you are still repeating the patterns of the people who created them.

By Delon le Roux, EMBA Your parents likely told you that a home is the best investment you will ever make. In many South African households, owning a piece of land is viewed as the ultimate sign of success. However, if we look at the cold, hard calculations associated with wealth management, the reality is…

By Delon le Roux, EMBA For many, the scent of a new car is the fragrance of success. It represents more than mobility: it is a visible marker of your entry into the middle class. Yet, for the unprepared, this milestone can quickly become a financial anchor that drags down your ability to build long-term…

When life happens, finances feel it first Unexpected expenses like car repairs, medical bills or home issues can hit hard. Research shows emergencies are the leading reason South Africans apply for personal loans. According to Gavyn Letley, Product Head at DirectAxis, having an emergency fund can make these situations far less stressful.

By Delon le Roux, EMBA Debt is often viewed as a double-edged sword. You need a credit history to acquire assets, but if you overuse it, it can limit you from buying a house, car or, in some cases, getting a job. To effectively navigate rising living costs and expensive credit, you must first understand…

By Delon le Roux, EMBA How to find financial harmony in your relationship One paradoxical nature of life is that we often find ourselves drawn to our financial opposite: the saver marries the spender. So what happens when you love someone, but your money habits are fundamentally incompatible? It isn’t a joke, but it doesn’t…

Starting your first job is a big milestone. You’re learning a new role, adjusting to a routine, and figuring out how to manage your money. With so much going on, your credit score is probably not top of mind.

BY: Delon le Roux, EMBA Build a second income that works for your lifestyle. The main difference between the wealthy and the middle class, aside from the additional zeros in their bank accounts, is that the wealthy have multiple income streams. Educated professionals, on the other hand, rely solely on a single source of income:…

By Delon le Roux, EMBA December is a season of lights, laughter, and indulgence. Offices hum with festive cheer, shop windows glisten with gifts, and everywhere you turn, there’s an invitation to spend. For many South Africans, the year-end bonus arrives like a beacon of financial relief, a reward for hard work and perseverance.

By Delon le Roux, EMBA Imagine walking into a grocery store without a list or a budget, wandering aimlessly, grabbing what looks good, and leaving with a full cart, no substantial meals. Many investors approach the markets in precisely this way: no plan, no structure, and no purpose. A portfolio, in essence, is a shopping…