You deserve your own show on mainstream television🤞🏾. I’ve learnt more from you than what I needed to at school. Your videos are extremely helpful🖤

Your points are so clear. I am 21 and I pay my own medical expenses. My medical aid is R2300, so imagine how much it will be when I get older n have dependents.

I have to say as a fellow financial planner, I am so happy to have come across a channel like this. Education is key! You speak to practical problems, which is going generate thought in people vs product which is merely the solution to these problems. When the stats on how many South Africans can retire comfortably it’s scary, it’s not even at 10%. I’m especially glad you touched on inflation and life expectancy, people really don’t grasp how inflation can eradicate the value of your money over time and how modern medicine is keeping people alive longer, it’s a very real problem, I work mostly in a post retired market so I get to see the impact of poor planning for retirement, so I am very excited to see someone out there educating people! Well done!

Your video's always hit the spot with me as a Young black man Ms Mashile 😉. Keep up the good work, I'm learning so much from you.

You are the girl you think you are!!! Thank you for always coming through for us Nicolette! ❤️❤️❤️

I have been doing my FIRE number for 3 years now. I realized that people have no idea how much they need for their monthly expenses. Thank you for bringing this up, thank you for advicing us always 🥰🥰🥰😘😘

I was doing my research on this topic this morning and I had a lot of questions.. Thank you for giving me clarity

Whenever I have a question pertaining to finance I just check your videos ! Im 24 , I started watching your videos when I was 22 and you've literally changed my entire perspective towards money and my capabilities when it comes to where I can be and what life I can lead. Thank you !!!

Thanks for fixing the black screen. Very informative video as usual. Thank you🙏🏽🙏🏽

Thank you so much for this information. Helped to clear a lot of questions I had.

Very hard hitting and necessary message Nicolette. Thank you very much. I am self introspecting.

This is so informative, thanks Nicolette and Team!

Nicollette I cannot thank you enough for your videos I've learnt sooo much and this has been one of my favorite videos Keep it up ❤👏👏

I always look forward to your videos Nicolette, very informative, very eye opening, very educational. Keep feeding us beautiful Nicolette 👏🏼👏🏼👏🏼♥️♥️♥️♥️

6:35 This is one of the reasons I discourage having more than one child. There are too many disadvantages for having two or more.

This is so informative as a personal financial advisor. I hope many people would watch your channel.

Your videos are thought provoking, thank you

The information you give is, priceless. Thank you 😊

This video is rich with information. Thank you so much

Great advice about re-investing rental money. Just that at this point, it all goes to bonds payment & I even have to top up. But good to have this knowledge in hindsight. You are a star!

I am a financial advisor. Great insight Bunny😊

concerns 1. Not all employers are contributing, I am contributing alone while permanent. 2. If currently you are not affording good things like medical aid, owning a house, brand new car, private schools for kids etc. How do you expect in retirement you will live well?

Thank you Nicolette for this video ❤️❤️❤️

Great advice.. On the aspect of other asset classes, it is my opinion that retirement plans are still more accessible and realistic for most people. And not to mention the great tax breaks. I however agree one has to ensure that contributions are enough to cover expenses in retirement..

So well explained really love your content!!!!!

Nicolette im always cracked up by your disclaimer. You say it so boldly that you're not licensed and therefore not a professional financial manager/planner. Aikona enough is enough sweetheart, you need to get your papers in financials plz girl, you give more relevant advice than licensed ones so why not become licensed yourself ? Im behind you, go for it plz baby. Love you and take care.

I love the whole kiddies money learning book. Like wow😇🙌🏾👏🏾👏🏾

Thank you very much Nicolette, this makes a lot of sense and one has to do an introspection into life and my finances.

Thank you so much for the great insight!

Amazing content once again. Thank you much

Ms Mashile, thank you for such rich information, its a habit of saving that we need to get ourselves into, I’ve got my 4year old into that mindset she is saving in Piggy bank every cash she receives

This is such an important topic. A retirement fund is not enough! We need to think about retirement wholistically

👀👀 Yazi things just got real...

Facts! 💯 taxes and fees are crazy as well. Many retirees running out of cash. Best to consider buying assets to retire comfortably. Thanks for sharing!! 👊👍💓💓💓

Very insightful video

This is a financial pill that need to be sold in pharmacies

Great insight #LIGHT

Got the visuals in order . . . 😊 Need to do some research Wonder where you were rushing to, 💐 We appreciate the time as always,Flawless . . .

Thank you nicolette

Thank you for this... What are some of the Asset Classes you’d recommend one researches? I’ve only been thinking of Property. :(

I love this kind of content! Thank you

Good advice

I needed this

Thank youuuuuuu for the updated version🥰🤩😍🥰❤, the one uploaded yesterday didn't show the calculations.

The amount that one can contribute to qualify as a deduction as per Section 11F of the income tax act is the lower of 27.5% or R350k, not 27.5% in isolation.

Please you speak more about some of the retirement asset class and go into more detail

It's still worthwhile going outside of your employer scheme and taking an RA on your own. Better diversification, no monopoly of fees(big corporates have their own institutions handling how your money is invested and how much fees that they going to charge, then they also tag along insurance products from companies that they have stake in and tell you the fees and insurance premiums are coming from the company's side of the contribution so you have to be okay with it) 😂further more you never tell your boss that you have spare cash😂😂😂you never going to get an increase again

What type of Engineer is your dad? The bond issue is a problem. Buying a house over 35 can be an issue. Im blessed because i bought a house at 23 and i will be paying it off next year when ill be 37. Taking out another bond scares at my age ! In your old age you might also need some supplements. I sometimes help my mom with buying supplements and they are not cheap!

But what if you do retirement from your nett salary after the tax does tax on payout still apply ?

Whats your advise for self employed people who dont have an employer to contribute to a pension fund? How can a self employed person plan for their retirement?

What if you are self employed, what are your options as a freelancer etc

Wow!! I’m self introspecting

I was listening very attentively serious and then you talked about abo "makhwepheni" and you slapped the seriousness out of my face.

Can a living annuity be transferred to a normal investment?

This content is deep 🤔

How does one get hold of you?

Can you access Provident fund upon emergency ?

You are the only one who knows whether your contributions would be enough or not. The HR people would not be able to assist you.

Some of us know we'll die before retirement age

hi Nicolet just wanted is allowed to have your Retirement annuity saved up towards buy property to rent it out ??

Terrifying!

♥️

So should i be able to get my funds if i resigned at work

There's a need of additional r.a because my employer (government)subsidises wuth 60% so you end up contributing 40%.😂

Hi Nicolette, What happens if I am an intern then. Because with internships there is that type of contribution from the owner. Should you open your RA with a bank in the mean time. Also taking into consideration that in SA there is possibility for an individual to do a number of internships for quite sometime before real / permanent employment. Please advise on this.

Please drop the link to where we can purchase the book.

Sinabo makhwapheni... lol

Well said and the truth.👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾😊👍

What is annuity?

Hello dear

I discovered in 2016 that my employer is only contributing 5% of my income to retirement! That's way too little but I am glad that I found out while I am still young. I decided to invest for myself on the side to make up for the short fall.

I will definitely get the book for my 11 years old son, he is soo keen on finance staff, in his KZfaq channel he has 2 videos where he is talking about investing and the likes, please check him out on *Khathulation Videos* I'm definitely getting him that book and I know for sure he is going to review it on his channel, kindly advise if that is allowed

Eish Nicollet, you got me thinking, I'm one of those that has supplemented my pension with RA, and now that I'm listening to you I'm thinking, but I have questions, is it possible to cancel the RA after so many years and get my money now? Anyway thank you for the information very informative

Hi, can you hook me up with your old man for career mentorship. if possible

Girl🎯.

Hey, This 500k is exclusive of the TFSA neh?

So you are saying that there are no benefits of supplimenting your pension/provident fund by opening an RA? I don't bilivithi 😠

*Mr Zelly Chapman is legit and his method works like magic I keep earning every single week with his new strategy.*

God & Government will take care.

Retirement the best years of a persons life?i really doubt that.weak body,age related diseases...doesnt sound fun to me

My love, please don't get me wrong...I came here for the financial advise. But did I wake up in the wrong century, bc I see a lot of women nowadays wearing oversized faux lashes... LOL...how about mascara.. LOL... babygirl much love anyway

I went to the sanlam future calculator, shu I was left so shocked. Of the value i have to invest every month to meet my 70% of my current salary. As i thought i was on track After the shock, i started to replan and ask the question what do I want my retirement to look like.