Know Your Money with Bronwyn Waner and Craig Finch

Send us Fan Mail A rollover on a misty road. Two fatalities. One survivor left with severe brain damage and the brutal reality of starting life again from scratch. We sit down with Justin to tell the story of Ari, a young man who has to relearn how to talk, eat, sit, and walk and why the money side of recovery can be the difference between “getting by” and getting the best possible care.  What mak...

Send us Fan Mail One minute you are training for the next big event, the next you cannot feel your legs. That is the reality behind neurological injury, and it is why we invited Justin into the studio. He is a biokineticist who works daily with people living with brain injuries, strokes, and spinal cord injuries, and he helps run the Trojans Neurological Trust (TNT), a South African charity focuse...

Send us Fan Mail Money advice is everywhere, but the real question is why we still repeat the same money patterns even when we know what to do. We sit down with Natasha Leigh Bray, founder of HeartHealing™, to talk about the emotional root causes behind spending, earning, receiving and staying stuck, and why “money problems” are often just the symptom your life can’t ignore anymore.  Bronwyn share...

Send us Fan Mail Your bank balance can look like a numbers problem while the real driver sits deeper: the story you learned about yourself. We’re joined by Natasha Leigh Bray, the creator of heart healing, to talk about why so many people do “all the right things” and still feel stuck, unworthy, anxious, or unable to receive. Heart healing works in a deeply relaxed subconscious state, blending sci...

Send us Fan Mail A big money moment can be the start of freedom or the start of a slow slide back to square one. We sit with the central idea from Morgan Housel’s The Psychology of Money: getting wealthy and staying wealthy are two different skills, and most people only practise the first one. A business sale, an inheritance, a market win, or a lucky property deal can create a windfall fast, but w...

Send us Fan Mail Compounding can feel like a finance buzzword, but it’s actually a simple idea that can reshape your whole money life: your growth starts earning growth. We sit down and unpack the “confounding and compounding” lesson from Morgan Housel’s The Psychology of Money, using plain language and real numbers that make the concept click. If you’ve ever wondered why your investments look slo...

Send us Fan Mail One of the most dangerous money problems is also the most normal: hitting a goal and immediately needing a bigger one. That “never enough” feeling can look like ambition on the outside, but inside it often brings anxiety, comparison, and decisions you would not normally make. We sit down and unpack Chapter 3 of The Psychology of Money by Morgan Housel, using real stories to show h...

Send us Fan Mail One random event can separate two people’s futures by millions and it can happen with money too. We’re Bronwyn Wayner and Craig Finch from Growth Financial Planning, and we’re back on our bookstall with The Psychology of Money by Morgan Housel, focusing on Chapter 2: luck and risk. We start with the Bill Gates story and the uncomfortable takeaway that timing, access, and chance ma...

Send us Fan Mail The most frustrating money argument is the one where both people are “right”. We dig into a core idea from Morgan Housel’s The Psychology of Money: no one is crazy, we all make decisions based on the tiny slice of the world we have personally lived through. That slice might be small, but it shapes our spending, saving, investing, and risk choices more than any spreadsheet ever wil...

Send us Fan Mail Markets shout; money grows quietly. We sat down with Tamryn, Head of Retail at Allan Gray, to unpack why investor behaviour often drifts with the news cycle and how to build a plan that outlasts the noise. Using platform data, we explore how starting point bias shapes equity exposure for years: investors who began during strong local markets still hold more equities than those who...

Send us Fan Mail Markets roared when the headlines said retreat. We open the year by asking smarter questions than “what will 2026 do?” and dig into what last year’s outliers teach us about risk, patience, and building portfolios that don’t wobble every time the news does. With Tamryn Lamb from Allan Gray joining us in studio, we walk through why South African equities and bonds delivered standout...

Send us Fan Mail What if the strongest investment edge isn’t a clever model, but a structure built to think in decades? We sit down with Tamryn Lamb, Head of Retail at Allan Gray, to unpack how a private, perpetual ownership model shapes behaviour, protects conviction through tough cycles, and keeps the focus squarely on client outcomes. From the origins of the firm’s valuation-led approach to the...

Send us Fan Mail Sleep is quietly rewriting our health stories—and our medical bills. We sat down with Discovery’s head of technical marketing to unpack a striking trend: members are sleeping less and sleeping worse, and the fallout shows up everywhere from diabetes risk to casualty visits to a hefty R230 million paid out for sleep disorders in 2024. That data doesn’t just inform policy—it’s shapi...

Send us Fan Mail What if your medical scheme could spot your risks early, guide your next best step, and reward you for taking it? We sit down with Aldu, an actuary from Discovery Health, to unpack Personal Health Pathways — a built‑in DHMS benefit designed to turn preventive care into simple weekly actions with real‑world rewards. No Vitality membership required, no extra cost to activate, just c...

Send us Fan Mail Sleep is not just another health tip; it’s the base that holds our diet, exercise, and mood together. We sit down with Vaughan, Discovery Vitality’s technical marketing lead to unpack why rest now sits at the heart of the programme, what the latest research reveals about global sleep debt, and how small changes in routine can lower real risks like diabetes, obesity, and depression...

Send us Fan Mail What if your weekly routine could fund your favourite devices and turn better sleep into real-world rewards? We sat down with Vaughan to unpack Vitality’s 2026 refresh and how it changes the game for anyone chasing health, status, and sustainable habits. The conversation zeroes in on three pillars: easier access to activities and devices, sleep as a foundational behaviour, and sma...

Send us Fan Mail Think Vitality is just cheaper gym and flights? We sat down with Vaughan from Discovery Vitality’s technical team to pull back the curtain on how the programme really works—and how you can turn health data into everyday rewards that actually move the needle. We start with the foundation: know your health. An annual health check and the Vitality Age assessment give you a clear base...

Send us Fan Mail Prices go up, needs don’t pause. We open with why Discovery Health deferred contribution increases from January to April, putting relief back into members’ budgets, and then get straight into what families care about most: affordable everyday care without nasty surprises. Aldu from Discovery Health Medical Scheme joins us to unpack the Smart Saver Series, a new plan range built fo...

Send us Fan Mail Contact Chantelle:  chantelle@ssdebtcounsellors.co.za https://ssdebtcounsellors.co.za/ 071 641 8088 Feeling crushed by bills and constant calls from creditors? We sit down with Chantelle, a seasoned debt counsellor, to map a clear path from panic to plan. She explains how debt review can pause the noise, replace many chaotic payments with one structured instalment, and offer legal...

Send us Fan Mail Contact Chantelle:   chantelle@ssdebtcounsellors.co.za https://ssdebtcounsellors.co.za/ 071 641 8088 Feeling cornered by debt even though you’re working hard? We sit down with Chantelle from S&S Debt Counseling to unpack a proven, legal way to reset your repayments under South Africa’s National Credit Act. Together we walk through how debt counselling protects you from aggress...

Send us Fan Mail We turn the post‑holiday credit shock into a practical plan: shrink the limit, build cash buckets and automate clean pay‑offs. We talk through the psychology of red balances, the banks’ incentives and how to set boundaries that stick. • why red numbers trigger panic and overspending • reducing the credit limit in steps with no score penalty • splitting bonuses between pay‑down and...

Send us Fan Mail We dig into smart financial year-end moves for South African taxpayers, focusing on topping up tax-free savings and retirement annuities before the February cutoff. We show how to turn deductions and compounding into a reliable future income stream. • why the February deadline matters for SARS allowances • using TFSA for long-term growth, not short-term cash • the R36,000 annual a...

Send us Fan Mail What happens when a business partnership faces an unexpected crisis? Much like a marriage contract that's never reviewed until divorce looms, poorly structured business agreements can lead to catastrophic financial consequences when partners die or become disabled.    Sean from BrightRock delivers powerful insights into business assurance solutions that truly protect what ent...

Send us Fan Mail What happens to your children's education if you're no longer able to provide for them? Sean Hanlon, Executive Director of BrightRock, returns to Know Your Money to tackle this critical question with hosts Bronwyn Waner and Craig Finch.    The conversation delves into BrightRock's unique Child Care Benefit, challenging conventional thinking about educational protect...

Send us Fan Mail What if your money plan was designed for every version of you, not just the one paying bills today? We take a practical, human look at life’s moving parts—student, first job, partner, parent, homeowner, and future retiree—and map out how to fund each stage without feeling overwhelmed. The goal isn’t a perfect spreadsheet; it’s a calm system that protects your income, supports your...