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Know Your Money with Bronwyn Waner and Craig Finch
Know Your Money
156 episodes
1 week ago
Send us a text Money plans usually break where emotions begin. We take you inside the Flourish Blueprint, a behaviour-first approach that starts with who you are, then builds systems that hold under stress, and only after that chooses the products and portfolios to carry your goals. Bronwyn Waner and Craig Finch share hard-won lessons from years of planning: why clients panic when markets dip, how generous people can set boundaries without losing heart, and what it takes to design a plan that...
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Business
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Send us a text Money plans usually break where emotions begin. We take you inside the Flourish Blueprint, a behaviour-first approach that starts with who you are, then builds systems that hold under stress, and only after that chooses the products and portfolios to carry your goals. Bronwyn Waner and Craig Finch share hard-won lessons from years of planning: why clients panic when markets dip, how generous people can set boundaries without losing heart, and what it takes to design a plan that...
Show more...
Business
Episodes (20/156)
Know Your Money with Bronwyn Waner and Craig Finch
156. Flourish Blueprint explained - Your Budget Called; It Wants A Date Night
Send us a text Ever feel like life keeps bumping along on a jagged wheel—good career, shaky health, no time for friends, and money always tight? We unpack a practical way to smooth the ride by pairing the Wheel of Life with the Wheel of Wealth, showing how small, planned moves can unlock time, reduce stress, and fund what matters most. Instead of chasing motivation, we map honest scores across career, health, fitness, fun, community, family, friends, love, and learning, then turn those insigh...
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1 day ago
9 minutes

Know Your Money with Bronwyn Waner and Craig Finch
155. Flourish Blueprint Explained - Design a life where every rand has a role
Send us a text Money plans usually break where emotions begin. We take you inside the Flourish Blueprint, a behaviour-first approach that starts with who you are, then builds systems that hold under stress, and only after that chooses the products and portfolios to carry your goals. Bronwyn Waner and Craig Finch share hard-won lessons from years of planning: why clients panic when markets dip, how generous people can set boundaries without losing heart, and what it takes to design a plan that...
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1 week ago
13 minutes

Know Your Money with Bronwyn Waner and Craig Finch
154. How Online Betting Drains Wallets And Communities
Send us a text The scoreboard says “fun,” but the numbers tell a different story. We dig into the surge of online gambling in South Africa—how seamless phone betting, constant sports ads, and a culture of “one more chance” are reshaping family budgets, draining community spend, and pushing people into risky debt. Drawing on recent retail data, industry quotes, and firsthand stories, we unpack why the house always wins and what that means for anyone trying to build savings, pay school fees, or...
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2 weeks ago
7 minutes

Know Your Money with Bronwyn Waner and Craig Finch
153. Plan Your Year, Live Your Life
Send us a text Ready to stop ending the year exhausted and wondering where your leave went? We share a simple, repeatable planning system that starts with joy: put holidays in the diary first, then design work around the life you actually want. From stretching 15 days of leave into memory-rich long weekends, to turning a big dream like a family Disney trip into a two-year, fully funded goal, we unpack the habits that make rest inevitable rather than hypothetical. We walk through practical ta...
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3 weeks ago
13 minutes

Know Your Money with Bronwyn Waner and Craig Finch
152. Money Talks: Brightrock's Premium Settlement Options
Send us a text What happens to your life insurance when you retire? Most people face a difficult choice between continuing to pay steep premiums or abandoning coverage they've funded for decades. Sean Hanlon, Executive Director at Bright Rock, reveals a game-changing alternative. The premium settlement option stands out as Bright Rock's signature offering. Unlike competitors who limit this benefit to age 65, Bright Rock allows clients to activate it from age 55, provided they've paid premium...
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4 weeks ago
12 minutes

Know Your Money with Bronwyn Waner and Craig Finch
151. Brightrock - Rethinking Life Insurance: The Premium Asset You Didn't Know You Had
Send us a text What if your life insurance actually understood your changing needs over time? Sean Hanlon, Executive Director at BrightRock, returns to challenge everything you thought you knew about protecting your financial future. Most insurance companies sell you a "chunk of life cover" without truly understanding your needs. Sean reveals why income protection—your ability to earn until retirement—is actually your family's most valuable asset yet remains grossly undersold in South Africa...
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1 month ago
12 minutes

Know Your Money with Bronwyn Waner and Craig Finch
150. Reinventing Life Insurance: How BrightRock Matches Policies to Individual Needs
Send us a text Sean Hanlon, the visionary founder of BrightRock, takes us on a journey through the transformation of life insurance in South Africa. Drawing from 36 years of industry experience, Sean reveals how questioning traditional approaches led him to create a revolutionary product that matches coverage precisely to each client's unique needs. The conversation delves into BrightRock's three-pillar philosophy that has disrupted the insurance landscape. First, efficiency—designing covera...
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1 month ago
13 minutes

Know Your Money with Bronwyn Waner and Craig Finch
149. Life vs. Living Annuities: Finding Financial Security in Retirement
Send us a text Retirement planning in South Africa has undergone dramatic shifts over the decades, and understanding these changes could be crucial to your financial security. Our conversation with Clive Lazar from Just Retirement reveals fascinating insights into how South Africans' retirement preferences have evolved from predominantly life annuities before 2000 to overwhelmingly favoring living annuities by 2020. What's particularly eye-opening is how global events reshape our financial d...
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1 month ago
10 minutes

Know Your Money with Bronwyn Waner and Craig Finch
148. Your Health Could Boost Your Retirement Income, Here's How
Send us a text What if your health challenges could actually boost your retirement income? That's the revolutionary concept explored in our fascinating conversation with Clive Lazar, regional manager for Just Retirement in Johannesburg. Most South Africans don't realize that traditional retirement annuities create what the industry calls "cross-subsidization" - where people with shorter life expectancies essentially subsidize those who live longer. It's a system that unfairly benefits the he...
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1 month ago
15 minutes

Know Your Money with Bronwyn Waner and Craig Finch
147. Money That Outlives You: The Just Retirement Story
Send us a text Retirement income planning can be daunting, especially when considering how to make your money last as long as you do. This illuminating conversation with Clive Lazar, Regional Manager at Just Retirement, demystifies life annuities and showcases an innovative approach to guaranteed lifetime income. Just Retirement brings something unique to the South African insurance market. Backed by the UK-listed Just Group (a FTSE top 200 company), they've operated locally for over a decad...
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2 months ago
11 minutes

Know Your Money with Bronwyn Waner and Craig Finch
146. Money Matters: PAYE vs Provisional Tax
Send us a text Navigating South Africa's tax landscape can be a minefield of confusion and potential penalties. In this enlightening conversation with tax expert Sue from Anthurico Accountants, we unravel the often misunderstood difference between PAYE and provisional tax. Sue breaks down how PAYE operates as the standard tax system for employed individuals, with employers legally required to deduct tax monthly from salaries exceeding R5,500. Meanwhile, provisional tax works on a biannual pa...
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2 months ago
10 minutes

Know Your Money with Bronwyn Waner and Craig Finch
145. Why Your Company Needs Its Own Identity: Tax Wisdom from the Trenches
Send us a text Drawing the line between personal and business finances isn't just good practice—it's essential for tax compliance and business survival. Sue from Anthurico Accountants joins us to tackle one of the most common pitfalls entrepreneurs face: treating their business as an extension of themselves. "When you register a company, you get a registration number. You have an ID number. They're two individual people," Sue explains, setting the foundation for our conversation. This distin...
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2 months ago
13 minutes

Know Your Money with Bronwyn Waner and Craig Finch
144. Navigating SARS Auto-Assessments: What You Need to Know
Send us a text Navigating tax season doesn't have to be intimidating. In this enlightening conversation with Sue from Anthurico Accountants, we demystify the increasingly automated South African tax system and equip you with practical knowledge to confidently manage your tax obligations. Sue breaks down the SARS' auto-assessment system, explaining how it automatically compiles third-party information from employers, banks, medical aids, and retirement annuity providers to simplify filing for...
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2 months ago
13 minutes

Know Your Money with Bronwyn Waner and Craig Finch
143. Insurance for Everyone: Unlocking Bidvest Life Event-Based Cover
Send us a text What happens when traditional insurance systems fail those who need protection most? Melody from Bidvest joins us to explore their groundbreaking event-based cover - a revolutionary approach providing income protection to previously uninsurable South Africans. The journey began in 2015 when Bidvest identified approximately 250 occupations systematically denied income protection. Whether due to high occupational risk (like professional athletes) or sensitivity to claims (like p...
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3 months ago
17 minutes

Know Your Money with Bronwyn Waner and Craig Finch
142. The Lotto Effect: Bidvest Life on How Monthly Payments Make for Smarter Estate Planning
Send us a text Death, taxes, and financial uncertainty—the three inevitabilities that haunt estate planning. But what if there was a way to provide genuine financial stability for your loved ones after you're gone? Melody from Bidvest Life joins Bronwyn and Craig to explore an often-overlooked alternative to traditional lump sum life insurance: life income benefits. While over 70% of South Africans still choose lump sum payouts, this episode reveals why that might not always be the wisest ch...
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3 months ago
12 minutes

Know Your Money with Bronwyn Waner and Craig Finch
141. Protect Your Pay cheque: Bidvest Life Explains How Waiting Periods Impact Your Financial Security
Send us a text Waiting periods might sound like just another technical detail in your insurance policy, but they're actually one of the most critical elements determining whether your income protection insurance will be there when you need it most. Bronwyn and Craig, deep dive into this often misunderstood aspect of financial planning, revealing how your choice of waiting period dramatically affects your ability to claim. The conversation explores how waiting periods function different...
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3 months ago
21 minutes

Know Your Money with Bronwyn Waner and Craig Finch
140. Young & Uninsured: Bidvest Life on the Income Protection Gap
Send us a text Securing your financial future starts much earlier than most of us realise. In this eye-opening conversation with Melody from Bidvest Life, we tackle the critical importance of income protection insurance for young South Africans - a demographic that often believes they're invincible. Training Specialist, Melody shares her powerful personal story that changed everything: being diagnosed with an autoimmune condition in her twenties rendered her medically uninsurable for l...
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3 months ago
15 minutes

Know Your Money with Bronwyn Waner and Craig Finch
139. The 130% Solution: How Bidvest Life Reimagined Critical Illness Cover
Send us a text What happens when critical illness strikes but you can still work? Most income protection policies won't pay a cent, leaving you financially vulnerable during life's most challenging moments. In this revealing conversation with Melody from Bidvest Life, we uncover a revolutionary approach to critical illness protection that addresses the significant gaps in traditional coverage. While conventional income benefits require you to be continuously unable to work before...
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4 months ago
22 minutes

Know Your Money with Bronwyn Waner and Craig Finch
138. Why Beneficiary Nominations Really Matter
Send us a text Who gets your money when you die? The answer might surprise you—and could devastate your loved ones if you haven't properly structured your beneficiary nominations. In this eye-opening discussion, we unravel a critical financial planning topic that affects everyone with life insurance, investments, or retirement accounts. Many people mistakenly believe their will controls everything, but certain assets transfer completely outside your will based solely on beneficiary designati...
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4 months ago
9 minutes

Know Your Money with Bronwyn Waner and Craig Finch
137. Business Loan Accounts: What Happens When You Die?
Send us a text Death creates enough emotional turmoil without adding financial chaos to the mix. Yet that's exactly what happens when business owners fail to plan properly for their loan accounts—those often substantial debts between themselves and their companies. Most entrepreneurs pour personal money into their businesses, creating director loan accounts where the company owes them money. What many don't realize is that upon death, these loan accounts immediately become assets in their es...
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4 months ago
8 minutes

Know Your Money with Bronwyn Waner and Craig Finch
Send us a text Money plans usually break where emotions begin. We take you inside the Flourish Blueprint, a behaviour-first approach that starts with who you are, then builds systems that hold under stress, and only after that chooses the products and portfolios to carry your goals. Bronwyn Waner and Craig Finch share hard-won lessons from years of planning: why clients panic when markets dip, how generous people can set boundaries without losing heart, and what it takes to design a plan that...