@sakhile_kayla_mahlangu: Breaking the cycle of black tax starts with planning for your own future. We cannot afford to let waiting cost us millions. Your future kids shouldn't be your retirement fund, The best time to start investing was yesterday, the second best time is today. You're not broke, you're just uninformed. Disclaimer: This content is for educational purposes only and is not financial advice. #InvestingForBeginners #Retirement #BlackTax #etf #IndexFunds