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…

By Delon le Roux, EMBA Learn how to start investing in the JSE with ETFs, diversify your portfolio, and grow your wealth. Step-by-step tips for beginners (and 50 bucks to get you started!).

It’s only July, and yet many South Africans have already used up the medical savings portion of their medical aid plans. That means more people are paying out of pocket for everyday healthcare needs like doctor’s visits, prescriptions and blood tests – just to make it through the rest of the year.

JENINE WYNGUARD Ever stood at the till wondering if you should tap your phone, swipe your card, or just hand over cash? You’re not alone. South Africa’s payment habits are evolving — fast. And knowing the pros, cons, and risks of each method can help you avoid fraud, track your spending better, and stay ahead…

The Three Keys to Wealth: Start Early, Stay Smart, Think Long-Term “Building wealth is not about luck but about patience, smart investments, and the power of compounding,” writes 041Wealth columnist DELON LE ROUX.

Living Large, Going Broke: The Cycle That Keeps You Stuck “They were living their best lives for the first weekend after payday, but broke for the rest of the month. If you look around, you’ll notice it’s a pattern, most middle-class people plan for the weekend, while wealthy people plan for generations. It’s a sharp…