The real threat often comes not from large expenses, but from small, recurring costs that quietly drain savings.

Avoiding retirement stress isn’t about how much you have – it has a lot to do with how you plan and act. This article shows how small habits can make a big difference.

When most people imagine retirement, they picture freedom, calm mornings, and finally having time to breathe.  But for many South Africans, the first year of retirement feels very different.