Modern Money With Munya
Region: ZA
Wednesday 16 September 2026 06:07:04 GMT
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DiloDiloTse :
As someone who understands the numbers, I think I speak for a lot of people when I say that being debt free feels much better than the promise of having a lot of money in future while struggling with debt today. I won’t argue the maths, im merely stating that the math doesn’t account for the emotional aspect of debt.
2026-09-16 07:03:01
125
Dr Frans :
Rather settle bond, bond is a scam
2026-09-16 09:42:12
19
Collinz Zulu :
How would you invest 10k pm on an RA when it has a 46k annual cap whilst anything after will be penalized.
2026-09-16 06:41:11
9
noloni4646 :
Investing R10k per month is risky, there are many other things that pop up and need money. I saw when I finished paying my car, I planned to save all the money but alas there was always something else that needed money.
2026-09-16 11:40:27
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GuyLifeSa :
I sleep well at night knowing I have no debts
2026-09-16 11:54:30
6
Peter Webster :
I setyled my bond last month. Today ABSA loaded R17,240 into the bond for annual insurance...you can never pay off your bond....actually 😁
2026-09-16 15:57:30
2
Khumbulani :
What if the source of funds is not pension but a bonus from work or random windfall? Is early settlement vs investment still favour investment?
2026-09-16 08:50:28
2
Aldrin Cloete :
When is your book dropping?
2026-09-16 14:05:32
1
Nkuza :
Hi, how can I get a hold of copy of your book
2026-09-16 07:55:49
1
Creatos :
every day I am learning something new about money thanks
2026-09-16 13:43:18
1
Jean-Pierre Visser :
bond 10.25% guaranteed or market 12% not guaranteed.
2026-09-16 16:34:11
2
Great One :
No future returns will ever convince me not to pay off my bond, I am happy to be poor in the future while in a bond free house. But that’s just me 🤝🤝🤝
2026-09-18 10:09:16
7
Ce666isa :
🙆too much finance speak I Ddnt hear anything 😭😭
2026-10-01 10:59:56
0
Titos_james :
What happens to tax on the interest gained
2026-09-16 10:54:22
0
Liwe :
The utility of being debt free vs the utility of investment gains is higher
2026-09-17 12:23:58
1
AshLEE :
You better off paying an extra R1000 per month to reduce your repayment period
2026-09-17 04:12:55
2
Tandtjies :
Yeah... but now the 1mil house is now worth 1.8mil...and you don't have R800k to still pay back 🤔
2026-09-19 06:43:35
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yummy :
what happens when you buy it cash then?
2026-09-18 11:50:55
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Gareth :
doesnt make sense to buy a house for 1 million and pay R2 million back to the bank
2026-10-14 19:38:37
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LC007 :
as a CA(SA), CFA and CFP. It's not one-size-fits-all. 1. Historic market performance is not an indication of the future. 2. The utility of money is higher in your youth. So no debt and higher disposable income might not be the financial choice. However, it will reduce your financial stress and make you happier. 3. You forgot future taxes in your calculation of the RA, as you should compare both after tax. 4. Pension funds are limited due to Reg 28. If you have more disposable income, you can be more selective on investment wrapper and can start off you tax free shares journey
2026-09-19 20:51:02
1
ORioN :
Best investment that preserves capital, reduce tax and allows you to utilize the interest on a monthly basis in comparison to fix deposits?
2026-09-19 15:55:32
0
Fufu :
Hi Munya is it wise to have an auditor for your accounts if yiu want to purchase a house ?
2026-10-12 13:20:03
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HMG :
DeaR SeR...interesting..which RA would give me R3m in those years @R10k.. im on mepf (pension fund)..I've been robbed ... is the a video on how to invest ..
2026-09-16 17:44:29
0
MomPreneur :
Please check your DM urgently 🙏🏽
2026-09-19 09:18:30
0
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