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Knowing more about money won't necessarily make you better with it.That might sound strange. But it's one of the clearest findings from the Franc Wealth Index Report 2026, based on responses from nearly 4,000 South Africans.In episode 4 of the Francly Speaking Wealth Index mini-series, Manuella Penev and Dr Thomas Brennan unpack the gap between knowing and doing when it comes to money.In this episode, they explore:🧠 Why financial knowledge is a much weaker predictor of financial wellbeing than most people think📊 What the data reveals about South Africans' financial literacy levels💸 Why even financially knowledgeable people often struggle with saving, investing and retirement planning⚙️ The role that habits, systems and structure play in turning good intentions into action📈 Why the most financially successful people rely on routines, not motivationOne of the most important insights from this conversation? Knowledge creates intent. It doesn't automatically create action.The data suggests that financial wellbeing isn't built by learning everything before you start. It's built by taking small actions consistently, and creating systems that make those actions easier to repeat.Download the full Franc Wealth Index Report 2026:https://tinyurl.com/8kw526n8If you've ever told yourself, "I'll start investing once I understand a bit more", this episode is for you.Don't wait until you feel ready. The doing is part of the learning.Download the Franc AppGoogle Playstore: http://bit.ly/3cJgLN2Apple App Store: http://apple.co/36LTealHuawei App Gallery: https://bit.ly/3P1UtFM

Most people think financial wellbeing starts with earning more money. The data says it starts with having a plan.In episode 3 of the Francly Speaking Wealth Index mini-series, Manuella Penev and Dr Thomas Brennan unpack the small money habits that have the biggest impact on financial wellbeing In this episode, they explore: 1) Why investing consistently is the single strongest predictor of financial wellbeing. 2) How setting financial goals can more than double your chances of stronger financial outcomes. 3) Why emergency savings are the foundation that supports every other money habit. 4) What behavioural science teaches us about "keystone behaviours" 5) Why financial planning may be the most powerful financial habit of all. One finding stood out above the rest: people who actively plan their finances score higher across every dimension of financial wellbeing — from investing and saving to confidence and peace of mind.The good news? Financial planning doesn't need to start with a spreadsheet or a financial adviser.It can start with one goal, one number, and one timeline.

Women are outperforming men financially. So why are they still more anxious about money? In episode 2 of this Francly Speaking mini-series, Manuella Penev and Dr Thomas Brennan unpack: 1) Why women scored higher than men on overall financial wellbeing 2) Why women still report significantly higher financial anxiety 3)The money habits women tend to do better than men 4) Why investing confidence — not capability — is often the real barrier 5) And why waiting to “feel ready” before investing might be holding you back. One of the most important takeaways from this conversation? Confidence doesn’t usually come before action. It’s built through action. This episode is not about blaming women for feeling anxious about money. The data shows those concerns are rooted in very real pressures. But it also shows something equally important: many women are doing far better financially than they give themselves credit for.

Most South Africans don’t have a money problem. They have a habit problem.That’s one of the biggest findings from the inaugural Franc Wealth Index Report 2026 — based on responses from nearly 4,000 South Africans. In episode 1 of this new Francly Speaking mini-series, Manuella Penev and Dr Thomas Brennan unpack: 1) Why South Africa’s median Wealth Score is just 45/100 2) Why emergency savings are the country’s weakest financial habit 3) Why your financial behaviours matter more than your salary 4) The simple habits most strongly linked to better financial wellbeing 5) And maybe the most surprising insight of all? Financial wellbeing doesn’t automatically improve with age. This conversation is not about judgement or perfection. It’s about understanding where you stand, and what small shifts actually move the needle.

In this episode, we talk to Franc investor Dudu about her money journey. Growing up in a family of entrepreneurs, Dudu learned early lessons about hard work and income. She shares how she overcame debt, started saving intentionally, and began investing to secure her daughters’ future. Dudu also dives into her experience investing through different investment groups, offering valuable tips on what to do—and avoid—when building wealth collectively. Filled with personal insights and practical financial tips, Dudu’s story is both inspiring and educational. 💡 Be sure to share your financial/investment journey down below! 🙌 Timecodes: 00:00 - 00:42 Trailer 00:43 - 08:21 Introduction 08:22 - 14:02 Dudu's early relationship with money 14:03 - 16:20 What was the trigger point for Dudu to start investing and saving 16:21 - 23:00 How and where Dudu learnt about saving and investing 23:01 - 25:15 Why is investing in a group important for Dudu 25:16 - 28:52 Drawbacks of group investing 28:53 - 30:29 Dudu's personal investments 30:30 - 31:34 What is Dudu's investment portfolio made up of 31:35 - 32:32 How did Dudu hear about Franc 32:33 - 34:22 How Dudu's investment approach has changed over time 34:23 - 36:50 Parting advice from Dudu 36:51 - 37:40 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

🎨 In this episode of Francly Speaking, we sit down with Karabo, a Franc investor and passionate art collector, who shares how she combined her love for art with smart financial strategies to build her wealth. Karabo talks about how she turned her passion into a thriving business and how being an entrepreneur has reshaped the way she manages her finances. Her story is a testament to working hard and smart, and thinking differently about money. 📈 Be sure to share your financial/investment journey down below! 🙌 Timecodes: 00:00 - 00:50 Trailer 00:51 - 03:19 Introduction 03:20 - 07:16 How her childhood influenced her financial journey and career choices 07:17- 12:25 Where and when did Karabo start investing for herself 12:26 - 14:29 How Karabo manages and researches risk in investing 14:30 - 22:35 What is Karabo's investment strategy 22:36 - 24:54 Karabo speaks about her business, Capital Art 24:55 - 29:59 How Karabo approaches managing her investments and business 30:00 - 31:08 What excites Karabo about investing 31:09 - 33:24 Karabo's parting advice 33:25 - 34:02 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

🌍 From a small rural village in the Eastern Cape to the fast-paced life of the big city, Phumzile's investing journey is nothing short of inspiring. In this episode, Phumzile—one of our guest blog writers and a dedicated Franc investor—shares how he navigated his financial path, overcoming challenges and adapting to new environments. 📈 His story highlights the power of perseverance, smart investing, and how anyone can achieve their financial goals no matter where they start. Be sure to share your financial/investment journey down below! 🙌 Phumzile's Blog posts: Overcoming 3 Major Hurdles on My Path to Investment Success - https://shorturl.at/HgIBe 7 Resources That Had a Pivotal Role in How I View Investing - https://shorturl.at/yQLtn The 5 Misconceptions I Had to Overcome to Build Wealth - https://shorturl.at/Jwx1t Timecodes: 00:00 - 00:58 Trailer 00:59 - 04:05 Introduction 04:06 - 08:51 How did Phumzile first get into investing 08:52 - 12:49 How Phumzile's investment journey and strategy changed 12:50 - 14:08 Phumzile's reccomendations on investing resources 14:09 - 15:30 How Phumzile's ideas and views changed on investing 15:31 - 16:48 What does the future hold for Phumzile and what is his investing goal 16:49 - 17:53 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

🌱 From humble beginnings to building her financial future, Chantel's story is one of resilience and determination. In this episode of Francly Speaking, we hear from Chantel, a Franc investor who opens up about her journey into investing. She shares how she started with little, faced numerous challenges, and fought her way through financial setbacks to achieve her goals. Her journey proves that anyone can start investing, no matter where they begin. Tune in to hear Chantel's inspiring story and learn how you can overcome your own obstacles to secure your financial future. Be sure to share your financial/investment journey down below! 🙌 Timecodes: 00:00 - 00:45 Trailer 00:46 - 04:19 Introduction 04:20 - 07:31 How and why Chantel's perspective of money changed 07:32 - 11:53 How Chantel got out of her financial challenges 11:54 - 13:52 How Chantel managed her money going forward 13:53 - 20:15 Chantel's approach to investing 20:16 - 21:23 What excites Chantel about investing 21:24 - 23:00 What frustrates Chantel about investing 23:01 - 25:07 Chantel's parting advice 25:08 - 25:42 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

In this Francly Speaking episode, Seb and Cassidy are here to share their personal tips and expert advice on the financial milestones to aim to achieve by 40. 💪 Not yet in your 30s? Don't worry, check out our 5 Financial Goals to Achieve by 30 Francly Speaking episode 😎 - https://shorturl.at/snT27 How well are you tracking with your financial goals? Let us know down below in the comments! 🙌 Timecodes: 00:00 - 01:00 Trailer 01:01 - 01:35 Introduction 01:36 - 05:52 Five financial goals to achieve by 30 recap 05:53 - 07:13 Goal #1 07:14 - 08:32 Goal #2 08:33 - 09:32 Goal #3 09:33 - 11:24 Goal #4 11:25 - 13:14 Goal #5 13:15 - 14:02 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

Don't panick! We know investing can be tricky, but don’t let these common mistakes trip you up! 😱 In our latest Francly Speaking Episode COO & Co-founder, Seb Patel and Associate Product Manager, Anelisa Maswana, reveals the top 4 investing blunders and, most importantly, how to dodge them like a pro. 🕵️‍♂️💼 Let us know down below if you've made these mistakes or if you have any to share with us 🤔 Timecodes: 00:00 - 00:59 Trailer 01:00 - 02:02 Introduction 02:03 - 04:23 Mistake #1 04:24 - 06:32 Mistake #2 06:33 - 10:10 Mistake #3 10:11 - 12:20 Mistake #4 12:21 - 13:07 Outro About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app: https://franc.app.link/download-now Visit the Franc website: https://www.franc.app/

Ready to kick debt to the curb? In this Francly Speaking Episode, we're diving into the world of debt—what it is, the good, the bad, and the ugly. We'll show you how to identify good debt that can work in your favour and bad debt that's dragging you down. Plus, we've got some awesome tips and tricks to help you say goodbye to debt for good. 🙌 Click the link to read the blog post 'How To Get Out of Debt' https://shorturl.at/rike5 Timecodes: 00:00 - 00:41 Trailer 00:42 - 01:38 Introduction 01:39 - 04:22 What is debt? 04:23 - 09:06 Good vs Bad Debt 09:07 - 11:35 Why is debt a problem in South Africa 11:36 - 15:52 Three steps to get out of debt 15:53 - 18:43 How Tom stayed motivated in getting out of debt 18:44 - 25:50 Summary 25:51 - 27:00 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/1SpI9

You know that investing is a smart money move, but where to start? With much of your life still ahead of you, this question can be more than just a little overwhelming. Don’t worry, we’ve got you! 💪 In this Francly Speaking episode, hosted by Keval Maharaj, Operations Associate at Franc, and featuring Seb Patel, Co-founder and COO at Franc, they explore the 5 most important financial goals to achieve by 30. 💸 How well are you tracking with your financial goals? Let us know down below in the comments! 🙌 Timecodes: 00:00 - 00:55 Trailer 00:55 - 01:52 Introduction 01:53 - 04:04 Emergency Fund 04:05 - 05:10 Bad Debt Free 05:11 - 06:58 Good Credit Score 06:59 - 07:58 Student Loans 07:59 - 09:17 Equivalent of your annual income invested 09:18 - 10:13 Did Seb achieve the 5 financial goals before he reached 30 👀 10:14 - 12:00 Final advice 12:01 - 12:39 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/uxjwf

Wondering how to start investing but not sure where to begin? Investing for beginners can feel overwhelming, but it doesn't have to be! 📈 In this Francly Speaking episode, hosted by Cassidy Nydahl, Head of Growth at Franc, and featuring Seb Patel, Co-founder and COO at Franc, they explore essential investment strategies tailored to beginners, ensuring you begin your investment journey confidently. 💸What's your investment strategy? Timecodes: 00:00 - 01:00 Trailer 01:01 - 02:18 Introduction 02:19 - 03:18 What is an investment strategy 03:19 - 04:45 What an investment strategy looks like, practically 04:46 - 06:44 What factors should you consider when determining your investment strategy 06:45 - 09:45How do you go about nailing down your investment strategy 09:46 - 14:34 Aggressive vs Conservative Investing 14:35 - 16:49 Financial Advisors 16:50 - 21:16 What is Seb's investment strategy 21:17 - 21:59 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/9fDZa

What should you invest in for your child's future? Why is it important to invest in their future in the first place, and how do you even go about it? 🤔 These are just some of the questions we tackle in this Francly Speaking episode, hosted by CEO & co-founder at Franc, Thomas Brennan, with content creator and invested mom, Jennifer Nxumalo. They share some tips, strategies and personal experiences investing for their own children. 📈 Have you started investing for your child yet? Let us know down below in the comments! 🙌 Timecodes: 00:00-02:04 Introduction 02:05-06:50 Jennifer's backstory 06:51-08:17 When Jennifer started investing for her child 08:18-15:03 How Jennifer went about researching what to invest in 15:04-24:31 Advice for parents looking to invest for their child 24:32-25:30 Outro If you find today's episode interesting – and trust us, you will – show your support by liking, commenting, or subscribing for more insightful episodes. 📈💬 About Franc: The team behind the Franc app are on a mission to make investing simple and accessible to all 💪 Download the Franc app, set a financial goal, use our in-app calculator and robo-advisor to find the right timeline, regular contribution and investment strategy for you, and start investing... all in 2 minutes! Download the Franc app to set your financial goals: https://franc.app.link/set-up-a-goal Visit the Franc website: https://shorturl.at/brwY2

🎥 Welcome to another exciting episode of Francly Speaking! In this episode, your host Anelisa Maswana, Associate Product Manager, and Kgomotso Jafta, Junior Marketing Manager, chat about side hustles and ways of making extra KA-CHING!Discover how to make a side hustle work, as well low-effort side hustles perfect for those juggling a 9-5 grind, including dropshipping, selling pre-loved items, and turning talents into services. And don't miss their insights on investing and affiliate marketing for passive income streams.Timecodes:00:00 - 00:46 Trailer00:47 - 05:09 Introduction 05:10 - 07:08 What to consider before starting a side hustle07:09 - 13:56 Low effort side hustles 13:57 - 15:50 Using Technology to get started 15:51 - 18:37 Challenges when it comes to side hustles 18:38 - 19:17 Outro So grab your notepad and tune in! Check out our latest blog posts for more ideas:6 Ways to Earn Extra Income in South Africa: https://shorturl.at/wBX34What You Need To Invest To Make It In Dropshipping: https://shorturl.at/ltuEZ Don't forget to like, share, and subscribe for more valuable insights. And remember, with the right strategy, your side hustle dreams can become a reality. Happy hustling! 💼💰Visit the Franc website: https://shorturl.at/invD1 Download the Franc App: https://franc.app.link/get-started-investing