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		<description>Wealth creation is not the sole preserve of the rich and connected. Even as they experience financial stressors, the black middle class is conscious of the value of investing and is more likely to have a range of financial instruments and a portfolio of financial products than the rest. Gugulethu Mfuphi and her expert guests empower Kaya listeners with information to improve their financial status on the Wealth Creation feature on Kaya Biz. Because “wealth is not about having a lot of money; it’s about having a lot of options.”</description>
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		<description><![CDATA[A company reports record earnings and its share price falls. Inflation cools, yet markets stumble. Why? Because markets don't trade the news, they trade expectations. Francois du Plessis, CEO of CFI Financial Group South Africa, joins Kaya Biz to explain one of investing's most misunderstood concepts. From market psychology and FOMO to long-term wealth creation and risk management, <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
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				<pubDate>Mon, 09 Nov 2026 19:10:00 +0200</pubDate>
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		<title>Why Wealth Still Starts With Saving</title>
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		<description><![CDATA[As South Africans navigate rising living costs and increasing digital influence on financial decisions, Nedbank's Sisandile Nkatu explains why saving remains the foundation of long-term wealth creation. The conversation explores AI-powered financial tools, consumer behaviour and practical ways to build financial resilience. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
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				<pubDate>Mon, 02 Nov 2026 18:31:00 +0200</pubDate>
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						<itunes:title>Why Wealth Still Starts With Saving</itunes:title>
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		<description><![CDATA[For years, South Africa’s retirement outcomes have painted a worrying picture. New research from Alexforbes suggests meaningful progress, with more retirement fund members on track for a comfortable retirement than ever before. Vickie Lange unpacks what’s driving the improvement, why most savers still fall short, and the practical steps individuals can take to secure a better retirement outcome. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
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		<description><![CDATA[Two years into South Africa's two-pot retirement system, billions of rand have flowed out of retirement savings. Keith Peter from Old Mutual Personal Finance discusses what withdrawal behaviour reveals about household finances, debt burdens, emergency savings, and why financial advisers are increasingly seeing a broader financial wellbeing challenge rather than simply a retirement funding issue <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
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		<title>Investing Through Market Volatility</title>
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		<description><![CDATA[With geopolitical tensions, rising oil prices and interest-rate uncertainty driving volatility, investors are facing a flood of information and market reactions. Phillip Dube, Head of Equity Finance at Investec, discusses how to separate genuine investment opportunities from short-term market noise and stay focused on long-term wealth creation <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
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		<title>Wealth Through Life's Biggest Milestones</title>
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		<description><![CDATA[Financial plans shouldn't be static. Haydn Johns, Head of PSG Life and PSG Invest at PSG Wealth, explains how major life events such as marriage, parenthood, career changes, divorce, inheritance and retirement reshape financial priorities, and why regularly updating your financial plan could be one of the most important wealth-building habits <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
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				<pubDate>Mon, 05 Oct 2026 18:57:00 +0200</pubDate>
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		<title>Wealth Creation: Why Accessing Retirement Savings Comes at a Cost</title>
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		<description><![CDATA[South Africa's two-pot retirement system has given workers greater access to their savings, but at what long-term cost? René Richter, Reward and Benefits Lead Advisor at Paymenow, explains why regular withdrawals could leave employees with more than R1 million less at retirement, and why preserving capital may be one of the most overlooked aspects of wealth creation <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
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				<pubDate>Mon, 28 Sep 2026 18:51:00 +0200</pubDate>
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						<itunes:title>Wealth Creation: Why Accessing Retirement Savings Comes at a Cost</itunes:title>
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		<title>Estate Planning for Business Owners</title>
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		<description><![CDATA[70% of South Africans die without a valid Will — but for business owners, that’s only the beginning. Adrian Jossel of Arck Wealth explains why estate planning must go beyond paperwork to address ownership structures, succession realities, liquidity gaps and key‑person risks. A practical, eye‑opening conversation on protecting your business, your partners and your family. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
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				<pubDate>Mon, 21 Sep 2026 19:10:00 +0200</pubDate>
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		<title>Credit as Legacy: Building Intergenerational Wealth</title>
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		<description><![CDATA[On tonight’s Wealth Creation feature, Experian reframes legacy-building through everyday financial decisions. Sikhulule Mabece explains how credit scores — often misunderstood as debt indicators — can unlock access to homes, education and small business growth. Drawing on Experian’s Consumer Default Index, he breaks down the habits that strengthen credit health, protect assets and build long-term family resilience. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 14 Sep 2026 19:04:00 +0200</pubDate>
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						<itunes:title>Credit as Legacy: Building Intergenerational Wealth</itunes:title>
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		<title>Beyond the Settlement: Women Rebuilding Wealth After Divorce</title>
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		<description><![CDATA[Portfolio Manager Nichole Maroun from Anchor Capital joins us to unpack the financial realities women face during and after divorce. We explore how matrimonial regimes shape wealth outcomes, why settlement value is not the same as long‑term financial security, and how women can rebuild retirement capital, restructure balance sheets, avoid emotional financial decisions, and create sustainable wealth strategies for the next 10–30 years. A powerful conversation on financial independence and long‑term planning. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 07 Sep 2026 18:42:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Beyond the Settlement: Women Rebuilding Wealth After Divorce</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>18:01</itunes:duration>
		<itunes:summary><![CDATA[Portfolio Manager Nichole Maroun from Anchor Capital joins us to unpack the financial realities women face during and after divorce. We explore how matrimonial regimes shape wealth outcomes, why settlement value is not the same as long‑term financial security, and how women can rebuild retirement capital, restructure balance sheets, avoid emotional financial decisions, and create sustainable wealth strategies for the next 10–30 years. A powerful conversation on financial independence and long‑term planning.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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	<item>
		<title>The Dividend You Can Hang on a Wall</title>
		<link>https://iono.fm/e/1712838</link>
		<guid isPermaLink="true">https://iono.fm/e/1712838</guid>
		<description><![CDATA[Dr Nico Marais breaks down the illusion of art as an easy investment. From liquidity traps to auction commissions and the “utility dividend,” he explains why passion, not profit, should guide collecting — and how art fits into long‑term wealth creation. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 31 Aug 2026 19:04:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>The Dividend You Can Hang on a Wall</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>22:26</itunes:duration>
		<itunes:summary><![CDATA[Dr Nico Marais breaks down the illusion of art as an easy investment. From liquidity traps to auction commissions and the “utility dividend,” he explains why passion, not profit, should guide collecting — and how art fits into long‑term wealth creation.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1712838?download=0]]></ionofm:player_url>
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	<item>
		<title>The Case for Financial Wellness Tools</title>
		<link>https://iono.fm/e/1710472</link>
		<guid isPermaLink="true">https://iono.fm/e/1710472</guid>
		<description><![CDATA[Financial stress is quietly eroding workplace performance — and South African employees are feeling the strain. With one in two workers highly concerned about their debt, fintech company Wealthbit is helping employees build practical money systems that reduce stress and prevent debt spirals. CEO Alex Cook joins Kaya Biz to unpack the Financial Freedom Programme, the habits most South Africans lack, and why digital financial‑wellness tools are becoming essential in modern workplaces. <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 24 Aug 2026 18:36:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>The Case for Financial Wellness Tools</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>23:33</itunes:duration>
		<itunes:summary><![CDATA[Financial stress is quietly eroding workplace performance — and South African employees are feeling the strain. With one in two workers highly concerned about their debt, fintech company Wealthbit is helping employees build practical money systems that reduce stress and prevent debt spirals. CEO Alex Cook joins Kaya Biz to unpack the Financial Freedom Programme, the habits most South Africans lack, and why digital financial‑wellness tools are becoming essential in modern workplaces.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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	<item>
		<title>The Retirement Gap Women Can’t Afford</title>
		<link>https://iono.fm/e/1707984</link>
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		<description><![CDATA[Women retire with less money, live longer, and face higher healthcare costs — yet retirement planning still treats men and women as if their financial journeys are identical. Asavela Gwele from 10X Investments explains how pay gaps, career breaks, caregiving, longevity and medical inflation compound over decades, and outlines practical steps women can take to close their retirement savings gap <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 17 Aug 2026 19:12:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>The Retirement Gap Women Can’t Afford</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>18:07</itunes:duration>
		<itunes:summary><![CDATA[Women retire with less money, live longer, and face higher healthcare costs — yet retirement planning still treats men and women as if their financial journeys are identical. Asavela Gwele from 10X Investments explains how pay gaps, career breaks, caregiving, longevity and medical inflation compound over decades, and outlines practical steps women can take to close their retirement savings gap]]></itunes:summary>
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	<item>
		<title>Nondumiso Ncapai On SA Women Homeownership Trends</title>
		<link>https://iono.fm/e/1705605</link>
		<guid isPermaLink="true">https://iono.fm/e/1705605</guid>
		<description><![CDATA[This Women’s Month, we spotlight leaders whose work is not only transforming industries but reshaping the lives and futures of South Africans. One such leader is Nondumiso Ncapai, Managing Executive of Absa Home Loans and a member of Absa’s Product Solutions Cluster Executive team. Having experienced the challenges of housing access during her childhood, she approaches home loans not as a financial product, but as a pathway to dignity, security and generational wealth. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 10 Aug 2026 19:36:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Nondumiso Ncapai On SA Women Homeownership Trends</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>25:00</itunes:duration>
		<itunes:summary><![CDATA[This Women’s Month, we spotlight leaders whose work is not only transforming industries but reshaping the lives and futures of South Africans. One such leader is Nondumiso Ncapai, Managing Executive of Absa Home Loans and a member of Absa’s Product Solutions Cluster Executive team. Having experienced the challenges of housing access during her childhood, she approaches home loans not as a financial product, but as a pathway to dignity, security and generational wealth.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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	</item>
	<item>
		<title>Becoming a Millionaire on a Salary</title>
		<link>https://iono.fm/e/1703530</link>
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		<description><![CDATA[Consult by Momentum Financial Adviser Ryan Arntzen explains why becoming a millionaire has little to do with earning a massive salary — and everything to do with mindset, discipline and consistent habits. We unpack the real definition of wealth, the “millionaire mindset,” the danger of lifestyle creep, the power of paying yourself first, and how ordinary earners can build long‑term financial resilience. Ryan also breaks down realistic timelines for reaching R1 million through monthly investing. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 03 Aug 2026 19:11:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Becoming a Millionaire on a Salary</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>10:04</itunes:duration>
		<itunes:summary><![CDATA[Consult by Momentum Financial Adviser Ryan Arntzen explains why becoming a millionaire has little to do with earning a massive salary — and everything to do with mindset, discipline and consistent habits. We unpack the real definition of wealth, the “millionaire mindset,” the danger of lifestyle creep, the power of paying yourself first, and how ordinary earners can build long‑term financial resilience. Ryan also breaks down realistic timelines for reaching R1 million through monthly investing.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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	</item>
	<item>
		<title>How Experts Invest When Markets Fall</title>
		<link>https://iono.fm/e/1700878</link>
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		<description><![CDATA[Volatile markets have left many investors panicked — but seasoned professionals behave very differently. Siyabulela Nomoyi, Quantitative Portfolio Manager at Satrix, explains why downturns are expected, how diversification acts as a shock absorber, and why staying invested (and even increasing contributions) during market dips often leads to the strongest long‑term returns. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 27 Jul 2026 18:59:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>How Experts Invest When Markets Fall</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>19:25</itunes:duration>
		<itunes:summary><![CDATA[Volatile markets have left many investors panicked — but seasoned professionals behave very differently. Siyabulela Nomoyi, Quantitative Portfolio Manager at Satrix, explains why downturns are expected, how diversification acts as a shock absorber, and why staying invested (and even increasing contributions) during market dips often leads to the strongest long‑term returns.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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	<item>
		<title>How AI Can Shape Youth Wealth Habits</title>
		<link>https://iono.fm/e/1698327</link>
		<guid isPermaLink="true">https://iono.fm/e/1698327</guid>
		<description><![CDATA[Money may be invisible for young people — but wealth building isn’t. Hayley Parry, Co‑Founder and Head of Education at Worth, explains how AI can help young South Africans build better money habits earlier. From personalised financial conversations to gamified learning and behaviour‑changing tools, she shows how technology can expand financial inclusion and support long‑term wealth creation. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 20 Jul 2026 19:18:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>How AI Can Shape Youth Wealth Habits</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>16:01</itunes:duration>
		<itunes:summary><![CDATA[Money may be invisible for young people — but wealth building isn’t. Hayley Parry, Co‑Founder and Head of Education at Worth, explains how AI can help young South Africans build better money habits earlier. From personalised financial conversations to gamified learning and behaviour‑changing tools, she shows how technology can expand financial inclusion and support long‑term wealth creation.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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	<item>
		<title>Tax as Investment Strategy</title>
		<link>https://iono.fm/e/1695887</link>
		<guid isPermaLink="true">https://iono.fm/e/1695887</guid>
		<description><![CDATA[Alexforbes Wealth Manager Ettienne Bezuidenhout explains why tax has become one of the most powerful forces shaping long‑term investment outcomes. With marginal tax at 45%, dividends tax at 20%, and CGT effectively at 18%, identical returns can produce vastly different real outcomes. Ettienne breaks down SARS’ enhanced enforcement, the dangers of emotional trading, asset‑location strategy, offshore structuring, and how investors can minimise avoidable tax drag. A must‑listen for anyone serious about wealth preservation. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 13 Jul 2026 19:11:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Tax as Investment Strategy</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>16:21</itunes:duration>
		<itunes:summary><![CDATA[Alexforbes Wealth Manager Ettienne Bezuidenhout explains why tax has become one of the most powerful forces shaping long‑term investment outcomes. With marginal tax at 45%, dividends tax at 20%, and CGT effectively at 18%, identical returns can produce vastly different real outcomes. Ettienne breaks down SARS’ enhanced enforcement, the dangers of emotional trading, asset‑location strategy, offshore structuring, and how investors can minimise avoidable tax drag. A must‑listen for anyone serious about wealth preservation.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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	<item>
		<title>Protecting Income Before Wealth</title>
		<link>https://iono.fm/e/1692890</link>
		<guid isPermaLink="true">https://iono.fm/e/1692890</guid>
		<description><![CDATA[Old Mutual’s Lulama Mrara challenges the myth that life cover is only for people with assets. She explains why a young earner’s income‑generating ability is their most valuable asset — and why protecting it is the foundation of wealth creation. We unpack South Africa’s R1.3 million life‑cover gap, the R1.8 million disability gap, and how early cover can safeguard a young person’s financial future. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a> &middot; <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 06 Jul 2026 19:08:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Protecting Income Before Wealth</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>19:04</itunes:duration>
		<itunes:summary><![CDATA[Old Mutual’s Lulama Mrara challenges the myth that life cover is only for people with assets. She explains why a young earner’s income‑generating ability is their most valuable asset — and why protecting it is the foundation of wealth creation. We unpack South Africa’s R1.3 million life‑cover gap, the R1.8 million disability gap, and how early cover can safeguard a young person’s financial future.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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	<item>
		<title>Gold’s Reality Check</title>
		<link>https://iono.fm/e/1690732</link>
		<guid isPermaLink="true">https://iono.fm/e/1690732</guid>
		<description><![CDATA[Despite Middle East tensions, gold hasn’t delivered the classic crisis hedge rally. Dr Nico Marais explains why gold protects against monetary instability, not geopolitics – and how dollar strength, real rates, liquidity constraints and Chinese retail flows are shaping 2026’s volatile price action. A sharp, data‑anchored look at gold’s true role in modern portfolios. <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 29 Jun 2026 23:08:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Gold’s Reality Check</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>16:01</itunes:duration>
		<itunes:summary><![CDATA[Despite Middle East tensions, gold hasn’t delivered the classic crisis hedge rally. Dr Nico Marais explains why gold protects against monetary instability, not geopolitics – and how dollar strength, real rates, liquidity constraints and Chinese retail flows are shaping 2026’s volatile price action. A sharp, data‑anchored look at gold’s true role in modern portfolios.]]></itunes:summary>
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		<title>Your Business Isn’t Your Retirement Plan</title>
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		<description><![CDATA[Dr. Theuns Mans, Managing Director of Novare Wealth & Invest, from explains why entrepreneurs must build personal wealth outside their businesses. He breaks down the risks of tying your entire financial future to one enterprise, the importance of separating personal and business finances, succession planning, diversification, and how founders can convert business income into long‑term wealth <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 22 Jun 2026 22:16:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Your Business Isn’t Your Retirement Plan</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>14:47</itunes:duration>
		<itunes:summary><![CDATA[Dr. Theuns Mans, Managing Director of Novare Wealth & Invest, from explains why entrepreneurs must build personal wealth outside their businesses. He breaks down the risks of tying your entire financial future to one enterprise, the importance of separating personal and business finances, succession planning, diversification, and how founders can convert business income into long‑term wealth]]></itunes:summary>
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		<title>Inside the Mindset of Africa’s Wealthiest</title>
		<link>https://iono.fm/e/1683956</link>
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		<description><![CDATA[Standard Bank’s latest research reveals that Africa’s wealth story is less about numbers and more about mindset. SA Wealth and Investment Head, Jacques Els, breaks down the three archetypes shaping the continent’s high-net-worth individuals, why most are first-generation wealth creators, and how resilience, volatility, and opportunity define Africa’s wealth engine. <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 08 Jun 2026 22:26:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Inside the Mindset of Africa’s Wealthiest</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
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		<itunes:duration>13:43</itunes:duration>
		<itunes:summary><![CDATA[Standard Bank’s latest research reveals that Africa’s wealth story is less about numbers and more about mindset. SA Wealth and Investment Head, Jacques Els, breaks down the three archetypes shaping the continent’s high-net-worth individuals, why most are first-generation wealth creators, and how resilience, volatility, and opportunity define Africa’s wealth engine.]]></itunes:summary>
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		<title>Saving Isn’t Enough: Why South Africans Need a Long‑Term Investment Strategy</title>
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		<description><![CDATA[Ricardo Teixeira discusses why 2025’s strong market returns didn’t translate into broad‑based wealth creation. He breaks down the difference between saving and investing, how ordinary South Africans can start building long‑term wealth with modest capital, and the behavioural traps that keep households from financial independence. <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 01 Jun 2026 21:26:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Saving Isn’t Enough: Why South Africans Need a Long‑Term Investment Strategy</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>13:43</itunes:duration>
		<itunes:summary><![CDATA[Ricardo Teixeira discusses why 2025’s strong market returns didn’t translate into broad‑based wealth creation. He breaks down the difference between saving and investing, how ordinary South Africans can start building long‑term wealth with modest capital, and the behavioural traps that keep households from financial independence.]]></itunes:summary>
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		<title>The Gen Z Investment Advantage</title>
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		<description><![CDATA[Gen Zs and young millennials are delaying marriage, home ownership, and starting families—and unlocking powerful investment opportunities in the process. Satrix’s Duma Mxenge explains how redirecting cash flow into ETFs can create long‑term financial freedom, why lifestyle choices don’t have to derail wealth‑building, and how young South Africans can use time to their advantage. <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 25 May 2026 22:59:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>The Gen Z Investment Advantage</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>10:12</itunes:duration>
		<itunes:summary><![CDATA[Gen Zs and young millennials are delaying marriage, home ownership, and starting families—and unlocking powerful investment opportunities in the process. Satrix’s Duma Mxenge explains how redirecting cash flow into ETFs can create long‑term financial freedom, why lifestyle choices don’t have to derail wealth‑building, and how young South Africans can use time to their advantage.]]></itunes:summary>
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		<title>Why SA Women Can’t Wait to Invest</title>
		<link>https://iono.fm/e/1677122</link>
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		<description><![CDATA[Women earn less, take more career breaks, and live longer — a triple financial disadvantage. Satrix’s Lauren Jacobs explains why starting early is the most powerful equalizer, how compounding offsets inequality, and the practical steps women can take to build long‑term wealth and financial confidence. <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 18 May 2026 23:24:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Why SA Women Can’t Wait to Invest</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>15:53</itunes:duration>
		<itunes:summary><![CDATA[Women earn less, take more career breaks, and live longer — a triple financial disadvantage. Satrix’s Lauren Jacobs explains why starting early is the most powerful equalizer, how compounding offsets inequality, and the practical steps women can take to build long‑term wealth and financial confidence.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9709">Wealth Creation</source>
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		<title>Investing in Tech</title>
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		<description><![CDATA[Dr. Nico Marais explains why today’s tech surge is more structural than cyclical. We explore valuations, AI infrastructure, index concentration, and how investors should rethink diversification in a tech‑dominated market. <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 04 May 2026 22:36:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Investing in Tech</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>12:24</itunes:duration>
		<itunes:summary><![CDATA[Dr. Nico Marais explains why today’s tech surge is more structural than cyclical. We explore valuations, AI infrastructure, index concentration, and how investors should rethink diversification in a tech‑dominated market.]]></itunes:summary>
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		<title>5 Essentials Before Your First Trade</title>
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		<description><![CDATA[Trading educator Lismore Burke explains why the language of “winning and losing” sets beginners up for failure—and why structure, probability, and risk management matter far more than chasing profits. <a href="https://www.kaya959.co.za/the-best-of-kaya-biz-podcasts/">Best Of Kaya Biz</a>]]></description>
					<category>Business</category>
				<pubDate>Mon, 27 Apr 2026 19:49:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>5 Essentials Before Your First Trade</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Kaya 959</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p782/logo_9709_20260123_152939_1400.jpeg"/>
		<itunes:duration>18:53</itunes:duration>
		<itunes:summary><![CDATA[Trading educator Lismore Burke explains why the language of “winning and losing” sets beginners up for failure—and why structure, probability, and risk management matter far more than chasing profits.]]></itunes:summary>
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