Bertie Nel, Head of Financial Planning and Advice at Momentum, says South Africans should view their monthly income not just as a means of survival, but as the foundation for building long-term wealth through disciplined saving, investing and financial protection.

Senton Pillay, Provincial Head at Momentum Financial Planning, unpacks the mounting financial pressure facing households and why inflation alone no longer tells the full story.

Andile Jonas, Head of Marketing at Momentum Savings, says financial advice offers expertise, objectivity and long-term planning support that most individuals struggle to manage alone, helping people avoid costly mistakes and make better financial decisions.

Anri Armer, Financial Adviser at Momentum Financial Planning, says many lifelong financial habits originate from lessons taught by parents, but professional financial advice helps transform those foundational money behaviours into structured strategies for long-term financial growth and resilience.

Murray Anderson, Head of Retail at Prescient Investment Management, says retirement plans often fail because of underestimated long-term costs rather than insufficient savings, highlighting the need for realistic cashflow planning and sustained exposure to growth assets throughout retirement.

Senton Pillay, Provincial Head at Momentum Financial Planning, says rising living costs and stagnant wages are placing South African households under severe pressure, making professional financial advice essential for improving resilience, managing debt and protecting long-term financial security.