Know Your Money with Bronwyn Waner and Craig Finch

Send us Fan Mail Ever feel like more than one voice is making your money choices? We dive into a simple but powerful idea: your financial life is shaped by internal parts—the spender who wants joy, the saver who wants safety, the earner who chases security, and specialised roles like the workhorse that ties worth to output or the proud one that resists help. By naming these voices and giving each...

Send us Fan Mail Ever feel like life keeps bumping along on a jagged wheel—good career, shaky health, no time for friends, and money always tight? We unpack a practical way to smooth the ride by pairing the Wheel of Life with the Wheel of Wealth, showing how small, planned moves can unlock time, reduce stress, and fund what matters most. Instead of chasing motivation, we map honest scores across c...

Send us Fan Mail Money plans usually break where emotions begin. We take you inside the Flourish Blueprint, a behaviour-first approach that starts with who you are, then builds systems that hold under stress, and only after that chooses the products and portfolios to carry your goals. Bronwyn Waner and Craig Finch share hard-won lessons from years of planning: why clients panic when markets dip, h...

Send us Fan Mail The scoreboard says “fun,” but the numbers tell a different story. We dig into the surge of online gambling in South Africa—how seamless phone betting, constant sports ads, and a culture of “one more chance” are reshaping family budgets, draining community spend, and pushing people into risky debt. Drawing on recent retail data, industry quotes, and firsthand stories, we unpack wh...

Send us Fan Mail Ready to stop ending the year exhausted and wondering where your leave went? We share a simple, repeatable planning system that starts with joy: put holidays in the diary first, then design work around the life you actually want. From stretching 15 days of leave into memory-rich long weekends, to turning a big dream like a family Disney trip into a two-year, fully funded goal, we...

Send us Fan Mail What happens to your life insurance when you retire? Most people face a difficult choice between continuing to pay steep premiums or abandoning coverage they've funded for decades. Sean Hanlon, Executive Director at Bright Rock, reveals a game-changing alternative. The premium settlement option stands out as Bright Rock's signature offering. Unlike competitors who limit...

Send us Fan Mail What if your life insurance actually understood your changing needs over time? Sean Hanlon, Executive Director at BrightRock, returns to challenge everything you thought you knew about protecting your financial future. Most insurance companies sell you a "chunk of life cover" without truly understanding your needs. Sean reveals why income protection—your ability to earn...

Send us Fan Mail Sean Hanlon, the visionary founder of BrightRock, takes us on a journey through the transformation of life insurance in South Africa. Drawing from 36 years of industry experience, Sean reveals how questioning traditional approaches led him to create a revolutionary product that matches coverage precisely to each client's unique needs. The conversation delves into BrightRock&a...

Send us Fan Mail Retirement planning in South Africa has undergone dramatic shifts over the decades, and understanding these changes could be crucial to your financial security. Our conversation with Clive Lazar from Just Retirement reveals fascinating insights into how South Africans' retirement preferences have evolved from predominantly life annuities before 2000 to overwhelmingly favoring...

Send us Fan Mail What if your health challenges could actually boost your retirement income? That's the revolutionary concept explored in our fascinating conversation with Clive Lazar, regional manager for Just Retirement in Johannesburg. Most South Africans don't realize that traditional retirement annuities create what the industry calls "cross-subsidization" - where people w...

Send us Fan Mail Retirement income planning can be daunting, especially when considering how to make your money last as long as you do. This illuminating conversation with Clive Lazar, Regional Manager at Just Retirement, demystifies life annuities and showcases an innovative approach to guaranteed lifetime income. Just Retirement brings something unique to the South African insurance market. Back...

Send us Fan Mail Navigating South Africa's tax landscape can be a minefield of confusion and potential penalties. In this enlightening conversation with tax expert Sue from Anthurico Accountants, we unravel the often misunderstood difference between PAYE and provisional tax. Sue breaks down how PAYE operates as the standard tax system for employed individuals, with employers legally required...

Send us Fan Mail Drawing the line between personal and business finances isn't just good practice—it's essential for tax compliance and business survival. Sue from Anthurico Accountants joins us to tackle one of the most common pitfalls entrepreneurs face: treating their business as an extension of themselves. "When you register a company, you get a registration number. You have an...

Send us Fan Mail Navigating tax season doesn't have to be intimidating. In this enlightening conversation with Sue from Anthurico Accountants, we demystify the increasingly automated South African tax system and equip you with practical knowledge to confidently manage your tax obligations. Sue breaks down the SARS' auto-assessment system, explaining how it automatically compiles third-pa...

Send us Fan Mail What happens when traditional insurance systems fail those who need protection most? Melody from Bidvest joins us to explore their groundbreaking event-based cover - a revolutionary approach providing income protection to previously uninsurable South Africans. The journey began in 2015 when Bidvest identified approximately 250 occupations systematically denied income protection. W...

Send us Fan Mail Death, taxes, and financial uncertainty—the three inevitabilities that haunt estate planning. But what if there was a way to provide genuine financial stability for your loved ones after you're gone? Melody from Bidvest Life joins Bronwyn and Craig to explore an often-overlooked alternative to traditional lump sum life insurance: life income benefits. While over 70% of South...

Send us Fan Mail Waiting periods might sound like just another technical detail in your insurance policy, but they're actually one of the most critical elements determining whether your income protection insurance will be there when you need it most. Bronwyn and Craig, deep dive into this often misunderstood aspect of financial planning, revealing how your choice of waiting period dramaticall...

Send us Fan Mail Securing your financial future starts much earlier than most of us realise. In this eye-opening conversation with Melody from Bidvest Life, we tackle the critical importance of income protection insurance for young South Africans - a demographic that often believes they're invincible.   Training Specialist, Melody shares her powerful personal story that changed everything: be...

Send us Fan Mail What happens when critical illness strikes but you can still work? Most income protection policies won't pay a cent, leaving you financially vulnerable during life's most challenging moments.    In this revealing conversation with Melody from Bidvest Life, we uncover a revolutionary approach to critical illness protection that addresses the significant gaps in traditiona...

Send us Fan Mail Who gets your money when you die? The answer might surprise you—and could devastate your loved ones if you haven't properly structured your beneficiary nominations. In this eye-opening discussion, we unravel a critical financial planning topic that affects everyone with life insurance, investments, or retirement accounts. Many people mistakenly believe their will controls eve...

Send us Fan Mail Death creates enough emotional turmoil without adding financial chaos to the mix. Yet that's exactly what happens when business owners fail to plan properly for their loan accounts—those often substantial debts between themselves and their companies. Most entrepreneurs pour personal money into their businesses, creating director loan accounts where the company owes them money...

Send us Fan Mail What happens to your business when a partner unexpectedly dies? Without proper planning, their spouse might show up at your office the next day, declaring themselves your new business partner. This nightmare scenario plays out more often than you might think. In this deeply practical conversation, we explore the critical difference between having life insurance and having the lega...

Send us Fan Mail Protecting your business from unexpected tragedy is something most entrepreneurs don't want to think about, but ignoring this crucial planning could cost you everything you've built. Key man insurance represents one of the most important protection strategies for small to medium businesses, yet it remains widely misunderstood and underutilized. We break down exactly how...

Send us Fan Mail Ever wonder why you handle money the way you do? Or why your partner's financial decisions sometimes seem completely baffling? The answer might lie in your personality type. We welcome back Joni Peddie from Resilient People Bounce Forward to explore the fascinating intersection of the Enneagram personality system and financial behaviour. Joni breaks down how each of the nine...

Send us Fan Mail What if the key to understanding yourself was discovered 2,500 years ago? In this fascinating conversation with Enneagram expert Joni Peddie from Resilient People, we unlock the secrets of this ancient personality system that's transforming modern relationships and workplaces. Joni, who has studied the Enneagram for 33 years, reveals the surprising truth that we're born...