The Stokvel Strategy

After PAYE and deductions, your salary looks decent. Then your mother needs support, your sibling's fees are due, a cousin's wedding contribution lands in the family group, and an aunt calls about a hospital bill. By month-end there is little left, and saving feels like something for people with fewer obligations.

The Stokvel Strategy is a system for carrying that weight without being crushed. You start by naming it, then audit your family obligations and build a black tax budget that makes room for your own future. You will learn what makes stokvels work and how to turn them into a wealth engine. The book explains where to park your money, from TFSAs to unit trusts and fixed deposits, takes you through your first JSE share, and covers using your bank account well.

Further chapters cover an emergency fund and insurance, budgeting on an irregular income, property basics, and a final plan that ties it all together.