Money Matters with Lebo Matjeke-Tleane

31/08/2026

Why Consider a Retirement Annuity?

A Retirement Annuity also known as an RA is more than just saving for retirement, it can be a great tool to help you build long-term wealth while potentially reducing your tax.

Here are 5 benefits of having an RA:

1. Tax benefits : Your RA contributions may qualify for a tax deduction.

2. Build retirement wealth : Your contributions are invested over time, giving your money the opportunity to grow until you reach retirement.

3. Discipline to save : An RA helps you commit money towards your future instead of spending everything you earn today, for today.

4. Also great for people who are self-employed and don’t have such benefits at their workplace:

If you don’t have a company pension or provident fund, an RA can help you create your own structured retirement savings plan.

5. Helps you plan for financial independence:

The ideal goal isn’t simply to retire, it’s to retire with enough money to maintain the lifestyle you want. So even if you are working, having an RA can go a long way when you reach retirement.

Money Matters Tip:

‘Don’t wait until you reach your 50s to start thinking about retirement. The earlier you start, the more time your money has to work for you.’

Trust me - Your future self will thank you!

❗️Please Remember: An RA is a long-term investment and the tax treatment, investment options and retirement benefits depend on your circumstances and the product selected.

29/08/2026

Good day fam, it’s month-end! 💰

I hope we have started budgeting and taking a closer look at where our money is going. Remember, a budget isn’t about restricting yourself, it’s about telling your money where to go.

BUDGETING RED FLAGS 🚩

• You don’t know your monthly expenses.
• You save whatever is left at the end of the month, instead of paying yourself (saving) before you start spending.
• You use credit to cover basic expenses.
• You have subscriptions and debit orders you’ve forgotten about.

If you see yourself in any of these, don’t panic, it’s a good time to start making changes!

25/08/2026

Most salaries have clocked in!!! Now let’s make sure our money doesn’t clock out without us knowing where it went! 🥴

Start tracking your spending today. Every cent, every rand counts and knowing where your money goes is the first step towards taking control of it.

23/08/2026

Conversations with the younger generation about money‼️💰😊

What interesting feedback I get when I have money conversations with the younger generation. I absolutely love hearing their perspectives, answering their questions and most importantly, guiding them through some of the most important money habits they can develop from a young age.

Financial education doesn’t have to wait until they start earning a salary. The earlier we teach our children about money, the better prepared they can be for the future.

5 money lessons every young person can start learning while still in school:

1. Learn the difference between wants and needs.
Not everything you want needs to be bought immediately. Learning to prioritise is a very powerful financial skill.

2. Start saving, even if it’s a small amount.
Teach them to save a portion of their pocket money or earnings. It’s about building the habit, not the amount.

3. Understand that money is earned.
Help children understand where money comes from and the value of hard work, responsibility and earning.

4. Be careful with debt!
Teach them that borrowing money comes with a cost and that “I can afford the monthly payment” doesn’t always mean “I can afford it.” (WISH I LEARNT THIS MUCH EARLIER)

5. Teach them to have financial goals.
Whether it’s saving for a phone, a sneaker or something they really want, having a goal makes saving meaningful.

Parents, financial education is one of the greatest gifts we can give our children. Teach them from mistakes you have also made.

Let’s raise a generation that doesn’t just know how to make money but understands how to manage it, protect it, grow it and use it wisely.

22/08/2026

MONTH-END IS AROUND THE CORNER‼️🤑

Your salary will soon be clocking in (Maybe it’s already in your account now) but before you start spending, I challenge you to check yourself against these 8 monthly money mistakes.

Your challenge every month: Tick off the mistakes you’re guilty of and choose ONE habit to change this month.

Remember: A budget isn’t about restricting your life. It is about giving your money a purpose.

‘If you tap into these habits now, you make tomorrow less stressful than having to deal with the consequences later!’ - Lebo Matjeke-Tleane

21/08/2026

Interesting Facts‼️ From Standard Bank to ABSA.

ABSA is now the master custodian of the Government Employees’ Pension Fund (GEPF).

Absa has taken over the safekeeping and administration of South Africa’s largest pension fund.

19/08/2026

Investing Tip‼️

Investing is one of the most powerful tools for building long-term wealth but only when it’s done with the right information. Too many people invest based on tips, trends or fear of missing out, rather than understanding what they’re actually putting their money into.

Taking the time to research, ask questions and understand the risks involved can be the difference between building real wealth and making costly mistakes.

17/08/2026

Investing tip❗️

15/08/2026

13/08/2026

Your Financial Health Matters!!!

We often talk about physical and mental health but how healthy are your finances?

Financial health is about more than how much money you earn. It’s about how well you manage what you have, prepare for the unexpected, protect your income and build towards your future goals.

A financially healthy person has a plan, even if they are still starting small.

1. Have a budget and know where your money goes.
2. Build an emergency fund.
3. Protect yourself and your loved ones against financial risks.
4. Invest for your future.
5. Plan for retirement early.
6. Make informed financial decisions

Your financial health affects your choices, your peace of mind and your future.

You don’t have to have it all figured out. Start where you are and use what you have.

Need help understanding your financial health? Let’s have a conversation.

Financial Planner at SRM Financial Brokers | MC | Speaker | Former Radio Presenter at Rainbow FM 90.7

Email: [email protected]