@heikoinvests: Apple just released the iPhone 18 Pro at R28 799 and everyone is talking about it. 😲 Nobody is talking about what that R28 799 becomes if you invest it once in a global index fund and leave it until you retire. At a real return of about 8 percent a year over 35 years, that single phone is worth roughly R425 000 in today’s money, and that is already stripped of inflation so it is real buying power, not funny future rands. Now do that maths on every upgrade you buy for the rest of your life. The phone is never the expensive part. Disclaimer: This is education, not financial advice. Always do your own research.