Insights

Plain-spoken writing on money, families and the decisions in between. Terence publishes Wealth Without Worry on Substack a few times a month. Subscribe below, or read the latest issues and our archive.

Latest from Wealth Without Worry

My stuff is all over the place!17 September 2026
If your financial plan needs a spreadsheet with multiple tabs to explain where all your money sits, it might be time to simplify.
Investing at All-Time Highs8 September 2026
If you are still saving toward retirement, few things do more for your financial future than owning assets that are expected to outpace inflation.
How to Think About a Pay Increase19 August 2026
A pay increase is often one of the clearest signs that you’re contributing value to your employer.
Becoming a parent changes far more than your sleep schedule.6 August 2026
This week I met with clients who are expecting their first child.
The Messy Middle29 July 2026
Working life tends to be split into three phases. There's the early stretch, when you're setting things up and putting your financial structure in place.
The Most Expensive Words in Finance8 July 2026
Words shape how we see the world, and how we see the world shapes how we act.
"I'm paying 45% tax!"19 June 2026
No you are not, let me explain why.
The Best Financial Planning Question Isn’t “What Should I Invest In?”2 June 2026
I recently had an introductory call with a prospective client that reminded me why I love financial planning.
The Pain of Rising Inflation21 May 2026
South Africa’s latest inflation numbers sparked concern after national CPI jumped from 3.1% in March to 4% in April.
Your Investment Contributions Should Do The Heavy Lifting8 May 2026
Here is something you can control - in a world where everything feels out of your control.
Financial Strain2 May 2026
How could financial strain affect your heart, your head and increase your vulnerability in men?
The Permanent Challenge of Temporary Declines17 April 2026
Investment markets have delivered a very different experience over the past few years compared to the unusually calm conditions many investors enjoyed in 2021.
Parents without Wills10 April 2026
Why are you leaving more heartache for your loved ones?
Global Events and their effect on the markets27 March 2026
Markets move fast. News drives fear. Prices react. People panic.
What is a notifiable event?24 March 2026
Your life insurer must be told, when life happens.
Do You Deserve the Returns?3 March 2026
Most things worth having in life often don’t come easy. With investing, it’s no different.
After the Gold Rush10 February 2026
You've probably noticed the headlines. Gold and silver have had a remarkable run over the past two years, reaching record highs and generating dramatic gains. The financial media can't stop....
Financial Planning = Potato Farming2 February 2026
Can you see you similarity between your financial decisions and messing with your harvest?
The Stock Market Is All Around You11 November 2025
The stock market might be one of the most misunderstood concepts in the world. Given its central role in helping investors become financially independent, it’s crucial to understand what it is.
Your Financial Prescription22 October 2025
The parallels between medicine and personal finance are noteworthy.

Browse the full newsletter archive on Substack →

From the Rich Ideas archive

How much life insurance do I need3 January 2023
Saving for Holidays24 December 2022
The repo rate – short term pain21 August 2022
Challenging the limiting beliefs, you have around money21 August 2022
Beware of generic financial advice21 August 2022
The scary truth about sureties20 August 2022
Black Tax23 July 2022
The world is on its head, but the principles of investing remain constant25 June 2022
How to save money on funeral cover24 June 2022
Future medical scheme contributions24 June 2022
Changing your financial beliefs and behavior24 June 2022
Buying Property with Someone Else24 June 2022
Financial Freedom – how much is enough?18 July 2021
You deserve a better experience5 July 2021
Reporting a Deceased Estate under R250 000.21 June 2021
Changing your financial beliefs and behavior14 June 2021
Planning to sell your business and then retire?6 June 2021
Mediation4 April 2021
A Simple Savings Plan4 April 2021
The Importance of a Professional Executor22 March 2021
Emergency Funds – A Simple Guide14 March 2021
Couples and Currencies1 March 2021
Provident Fund Changes15 February 2021
Tax Free Savings Accounts1 February 2021
Your Financial Plan Has A Gap18 January 2021
Financial Resolutions You Should Consider This New Year!4 January 2021
5 tips to avoid making bad investment decisions9 December 2020