@vusithembekwayo_official: Systemic financial structures play a massive role in how wealth is built (or drained). A lot of people think wealth is just about earning more or saving better. But a big part of financial literacy is understanding the difference between face value and residual value. Face value is what things are worth at a glance, residual value is what remains after everything else has taken its share (total cost of ownership). Many people structure their financial decisions around face value. But wealth is usually built through residual value. Once you start looking at money that way, the decisions you make around work, spending and investment start to change