Everything Counts | Episode 52: Has saving lost its meaning?

Loading player...
We've all heard the advice. Save more. Spend less. Start earlier.
In this episode of Everything Counts, Motheo Khoaripe is joined by Investec's Nirvashni Rajkumar (KZN team leader for the Investec financial planning team) and Dorothy Asomaning (Investec Wealth & Investment Wealth Manager) to explore why saving is about much more than building a bigger bank balance. Together they unpack how lifestyle inflation quietly limits our choices, why earning more doesn't always lead to greater financial freedom, and how giving your money a clear purpose can change the way you think about your future.

In this episode, we discuss:
• Why traditional conversations about saving no longer resonate.
• How lifestyle inflation quietly reduces financial freedom.
• Why financial freedom is about choice, not income.
• How to give your savings a meaningful purpose.
• The realities of saving while supporting family.
• Why behaviour shapes financial outcomes more than good intentions.
• The simple question that can change the way you think about saving.
If you've grown tired of traditional savings advice, this conversation offers a different perspective on what saving is really for.
Watch now and subscribe for more conversations that prove when it comes to money, everything counts.

00:00 Introduction
01:20 Has saving lost its meaning?
04:21 Why saving has become uninspiring
07:10 Can you accidentally out-earn your freedom?
08:23 The discipline of saving
16:40 Lifestyle inflation and financial choice
15:10 Saving while supporting family
18:50 What future is your money building?
20:35 Why behaviour matters more than willpower
25:00 Giving your savings a purpose
26:37 Closing thoughts
28 Jul English South Africa Business · Investing

Other recent episodes

Macro Monday Ep126: Warsh’s hawkish speech

New Fed chief Kevin Warsh delivered a hawkish speech at the Jackson Hole symposium of central bankers on Friday, leading to a stronger US dollar and increased expectations of rate hikes this year and next year. Investec Investment Management’s Investment Strategist Osagyefo Mazwai examines what this means for the US…
31 Aug 9 min

No Ordinary Wednesday | The economics of tourism in SA

South Africa’s growth challenge is shifting from reform to delivery. Tourism is part of that test. International arrivals rose 12.3% in the first half of 2026. And phase III of the government-business Partnership now puts the sector firmly on the growth agenda, with a focus on air access, visas, safety…
25 Aug 12 min

Everything Counts | Episode 54: Protecting property wealth

Property is often seen as one of the more reliable ways to build long-term wealth. It’s tangible, familiar and, for many South Africans, an important part of their financial plan. But investing in property comes with risks that can be easy to overlook, from hidden costs and changing rental yields…
25 Aug 28 min

Macro Monday Ep128: US bond market intervention fails to bring down yields

Moves by the US Treasury to intervene in the bond market failed to bring down yields meaningfully, and the continuing worsening of the US’s fiscal position may explain why. According to Chris Holdsworth, Global Chief Investment Officer, Investec Investment Management, the US’s debt-to-GDP ratio is above 100% and seems set…
24 Aug 4 min

Macro Monday Ep127: The Fed’s difficult position

The US Federal Reserve finds itself in a difficult position. The US economy has been shedding jobs, and wage growth is soft. At the same time, says Chris Holdsworth, Global Chief Investment Officer, Investec Investment Management, government debt continues to grind higher while inflation remains elevated, mainly the result of…
17 Aug 7 min