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		<title>Inside Your Pocket</title>
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		<description>The cost of living keeps rising even if your bank balance doesn’t. Gugu tackles various personal finance matters with suitable experts to help you navigate your day-to-day finances.</description>
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		<pubDate>Fri, 23 Jan 2026 16:05:14 +0200</pubDate>
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		<title>Are Stokvels the Key to SA’s Savings Turnaround?</title>
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		<description><![CDATA[With over 119,000 groups and 358,000 members on FNB’s digital platform, stokvels remain one of SA’s strongest savings engines. Gugu Zikhali, Head of Stokvels at FNB, explains the behavioural power of collective saving and why stokvels outperform individual discipline. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a>]]></description>
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				<pubDate>Thu, 30 Jul 2026 19:05:00 +0200</pubDate>
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						<itunes:title>Are Stokvels the Key to SA’s Savings Turnaround?</itunes:title>
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		<itunes:summary><![CDATA[With over 119,000 groups and 358,000 members on FNB’s digital platform, stokvels remain one of SA’s strongest savings engines. Gugu Zikhali, Head of Stokvels at FNB, explains the behavioural power of collective saving and why stokvels outperform individual discipline.]]></itunes:summary>
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		<title>Stretching Your Rand as Inflation &amp; Rates Rise</title>
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		<description><![CDATA[With inflation rising, borrowing costs increasing and real salaries under pressure, Sisandile Nkatu, Head of Deposits at Nedbank, shares practical, adaptive ways for consumers to stretch their rand. From micro‑habits to smarter spending, emergency buffers and behaviour‑based savings strategies, this conversation helps South Africans navigate a tough financial landscape with clarity and confidence. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a>]]></description>
					<category>Business</category>
				<pubDate>Thu, 23 Jul 2026 19:13:00 +0200</pubDate>
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						<itunes:title>Stretching Your Rand as Inflation &amp; Rates Rise</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
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		<itunes:summary><![CDATA[With inflation rising, borrowing costs increasing and real salaries under pressure, Sisandile Nkatu, Head of Deposits at Nedbank, shares practical, adaptive ways for consumers to stretch their rand. From micro‑habits to smarter spending, emergency buffers and behaviour‑based savings strategies, this conversation helps South Africans navigate a tough financial landscape with clarity and confidence.]]></itunes:summary>
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		<title>2026 FNB Retirement insights Survey</title>
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		<description><![CDATA[Retirement Insights: Samukelo Zwane unpacked the findings of the FNB Retirement Insights Survey 2026, highlighting the challenges South Africans face in turning retirement planning into long-term financial security. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a>]]></description>
					<category>Business</category>
				<pubDate>Thu, 16 Jul 2026 19:07:00 +0200</pubDate>
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						<itunes:title>2026 FNB Retirement insights Survey</itunes:title>
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		<itunes:episode>0</itunes:episode>
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		<itunes:summary><![CDATA[Retirement Insights: Samukelo Zwane unpacked the findings of the FNB Retirement Insights Survey 2026, highlighting the challenges South Africans face in turning retirement planning into long-term financial security.]]></itunes:summary>
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		<title>Credit Stress, Liquidity Pressure &amp; Diverging Borrower Behaviour — TransUnion’s Q1 2026 Insights</title>
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		<description><![CDATA[TransUnion SA’s Ayesha Hatea unpacks the Q1 2026 Industry Insights Report, revealing diverging credit trends across bank and non‑bank personal loans, rising credit card repayment pressure, resilient vehicle finance demand, and growing reliance on short‑term liquidity tools. Ayesha explains what these shifts mean for consumers, lenders and the broader credit ecosystem in 2026. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a>]]></description>
					<category>Business</category>
				<pubDate>Thu, 09 Jul 2026 19:06:00 +0200</pubDate>
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						<itunes:title>Credit Stress, Liquidity Pressure &amp; Diverging Borrower Behaviour — TransUnion’s Q1 2026 Insights</itunes:title>
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		<itunes:summary><![CDATA[TransUnion SA’s Ayesha Hatea unpacks the Q1 2026 Industry Insights Report, revealing diverging credit trends across bank and non‑bank personal loans, rising credit card repayment pressure, resilient vehicle finance demand, and growing reliance on short‑term liquidity tools. Ayesha explains what these shifts mean for consumers, lenders and the broader credit ecosystem in 2026.]]></itunes:summary>
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		<title>The New Savings Divide</title>
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		<description><![CDATA[South Africa’s savings landscape is under strain, with household savings below 1% and rising debt‑to‑income ratios. Nedbank’s Sisandile Nkatu breaks down the behavioural barriers holding South Africans back — from balance‑checking anxiety to frequent withdrawals — and explains why consistency matters more than income. A data‑driven look at how different segments are saving, and what needs to change. <a href="https://www.kaya959.co.za">www.kaya959.co.za</a>]]></description>
					<category>Business</category>
				<pubDate>Thu, 02 Jul 2026 19:11:00 +0200</pubDate>
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		<podcast:episode>0</podcast:episode>
						<itunes:title>The New Savings Divide</itunes:title>
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		<itunes:episode>0</itunes:episode>
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		<itunes:duration>15:57</itunes:duration>
		<itunes:summary><![CDATA[South Africa’s savings landscape is under strain, with household savings below 1% and rising debt‑to‑income ratios. Nedbank’s Sisandile Nkatu breaks down the behavioural barriers holding South Africans back — from balance‑checking anxiety to frequent withdrawals — and explains why consistency matters more than income. A data‑driven look at how different segments are saving, and what needs to change.]]></itunes:summary>
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		<title>How South Africans Are Buying Luxury Now</title>
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		<description><![CDATA[South Africans haven’t abandoned luxury they’ve simply become smarter about how they access it. Greg Grenfield, founder of We Buy Brands, explains the explosive rise of the pre‑loved luxury market, why authenticated resale is booming, and how consumers are treating handbags, watches and jewellery as “wearable assets.” ]]></description>
					<category>Business</category>
				<pubDate>Thu, 25 Jun 2026 22:15:00 +0200</pubDate>
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						<itunes:title>How South Africans Are Buying Luxury Now</itunes:title>
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		<title>What You Must Know Before You Borrow</title>
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		<description><![CDATA[With more South Africans relying on credit to get by, FinChoice’s Richard Eberlein breaks down the essentials: how to assess affordability, why credit scores matter, the hidden costs borrowers overlook, why loan balances barely move, and how to avoid digital lending scams. A practical guide to borrowing smart in a high‑pressure economy ]]></description>
					<category>Business</category>
				<pubDate>Fri, 12 Jun 2026 12:39:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>What You Must Know Before You Borrow</itunes:title>
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		<itunes:episode>0</itunes:episode>
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		<itunes:duration>11:48</itunes:duration>
		<itunes:summary><![CDATA[With more South Africans relying on credit to get by, FinChoice’s Richard Eberlein breaks down the essentials: how to assess affordability, why credit scores matter, the hidden costs borrowers overlook, why loan balances barely move, and how to avoid digital lending scams. A practical guide to borrowing smart in a high‑pressure economy]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9712">Inside Your Pocket</source>
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		<title>Cash, Fintech or Banks? The Real Battle for SA’s Informal Trader</title>
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		<description><![CDATA[South Africa’s informal economy turns over R190 billion a year — and fintechs are rapidly gaining ground. Ged Nooy, General Manager: Field Force, Provantage reveals insights from 8,785 informal outlets, showing why cash still dominates, why fintech devices are winning daily transactions, and what banks still misunderstand about township traders. ]]></description>
					<category>Business</category>
				<pubDate>Fri, 05 Jun 2026 11:46:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Cash, Fintech or Banks? The Real Battle for SA’s Informal Trader</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
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		<itunes:summary><![CDATA[South Africa’s informal economy turns over R190 billion a year — and fintechs are rapidly gaining ground. Ged Nooy, General Manager: Field Force, Provantage reveals insights from 8,785 informal outlets, showing why cash still dominates, why fintech devices are winning daily transactions, and what banks still misunderstand about township traders.]]></itunes:summary>
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		<description><![CDATA[South Africa’s informal economy turns over R190 billion a year — and fintechs are rapidly gaining ground. Ged Nooy, General Manager: Field Force, Provantage reveals insights from 8,785 informal outlets, showing why cash still dominates, why fintech devices are winning daily transactions, and what banks still misunderstand about township traders. ]]></description>
					<category>Business</category>
				<pubDate>Fri, 05 Jun 2026 11:46:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Cash, Fintech or Banks? The Real Battle for SA’s Informal Trader</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
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		<itunes:summary><![CDATA[South Africa’s informal economy turns over R190 billion a year — and fintechs are rapidly gaining ground. Ged Nooy, General Manager: Field Force, Provantage reveals insights from 8,785 informal outlets, showing why cash still dominates, why fintech devices are winning daily transactions, and what banks still misunderstand about township traders.]]></itunes:summary>
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		<title>How the Rate Hike Hits Your Wallet</title>
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		<description><![CDATA[With the repo rate now at 7% and prime at 10.5%, South Africans are bracing for higher repayments on home loans, car finance, credit cards and store accounts. NDCA Chairperson René Moonsamy explains how the rate hike filters into monthly budgets, why arrears are rising, and which income groups are under the most pressure. A practical, plain‑language guide to navigating a higher‑for‑longer interest‑rate environment. ]]></description>
					<category>Business</category>
				<pubDate>Fri, 29 May 2026 12:13:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>How the Rate Hike Hits Your Wallet</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>13:37</itunes:duration>
		<itunes:summary><![CDATA[With the repo rate now at 7% and prime at 10.5%, South Africans are bracing for higher repayments on home loans, car finance, credit cards and store accounts. NDCA Chairperson René Moonsamy explains how the rate hike filters into monthly budgets, why arrears are rising, and which income groups are under the most pressure. A practical, plain‑language guide to navigating a higher‑for‑longer interest‑rate environment.]]></itunes:summary>
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		<title>SA Bank Fraud Attempts Surge</title>
		<link>https://iono.fm/e/1678442</link>
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		<description><![CDATA[A new BioCatch report reveals that South Africa is facing one of the world’s fastest‑rising fraud landscapes, with 75% of banks reporting increased attacks and 81% losing more than $5 million annually. Alex Robinson, Director of Global Advisory at BioCatch, joins Kaya Biz to unpack the rise of social engineering, AI‑driven scams, SIM swaps, and what consumers must do to protect themselves in real time. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 21 May 2026 20:43:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>SA Bank Fraud Attempts Surge</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_9712_20260130_111805_1400.jpeg"/>
		<itunes:duration>19:22</itunes:duration>
		<itunes:summary><![CDATA[A new BioCatch report reveals that South Africa is facing one of the world’s fastest‑rising fraud landscapes, with 75% of banks reporting increased attacks and 81% losing more than $5 million annually. Alex Robinson, Director of Global Advisory at BioCatch, joins Kaya Biz to unpack the rise of social engineering, AI‑driven scams, SIM swaps, and what consumers must do to protect themselves in real time.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9712">Inside Your Pocket</source>
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		<title>Middle East Conflict and Its Local Economic Impact</title>
		<link>https://iono.fm/e/1652902</link>
		<guid isPermaLink="true">https://iono.fm/e/1652902</guid>
		<description><![CDATA[Debt expert Dehan Scherman from National Debt Advisors warned that rising global oil prices could quickly translate into higher fuel, transport and food costs for South African households. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 05 Mar 2026 22:45:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Middle East Conflict and Its Local Economic Impact</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_9712_20260130_111805_1400.jpeg"/>
		<itunes:duration>10:59</itunes:duration>
		<itunes:summary><![CDATA[Debt expert Dehan Scherman from National Debt Advisors warned that rising global oil prices could quickly translate into higher fuel, transport and food costs for South African households.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9712">Inside Your Pocket</source>
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		<title>National Debt Awareness Month | Q4 2025 Debt Index : Confidence up, but costs outpace income growth</title>
		<link>https://iono.fm/e/1643270</link>
		<guid isPermaLink="true">https://iono.fm/e/1643270</guid>
		<description><![CDATA[Guest: Benay Sager, Executive Head of Debtbusters ]]></description>
					<category>Business</category>
				<pubDate>Fri, 06 Feb 2026 11:58:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>National Debt Awareness Month | Q4 2025 Debt Index : Confidence up, but costs outpace income growth</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_9712_20260130_111805_1400.jpeg"/>
		<itunes:duration>14:19</itunes:duration>
		<itunes:summary><![CDATA[Guest: Benay Sager, Executive Head of Debtbusters]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9712">Inside Your Pocket</source>
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	<item>
		<title>Transformation fund: opportunity or threat for SMEs?</title>
		<link>https://iono.fm/e/1640224</link>
		<guid isPermaLink="true">https://iono.fm/e/1640224</guid>
		<description><![CDATA[The government is preparing to launch a revamped Transformation Fund as early as next week, rewriting incentives that have shaped corporate behaviour for more than two decades. Joining Gugulethu today is Jamell Khan from Unconventional CA (UCA), who has been vocal about the risks of centralising corporate transformation funds. ]]></description>
					<category>Business</category>
				<pubDate>Wed, 28 Jan 2026 21:31:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Transformation fund: opportunity or threat for SMEs?</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_9712_20260130_111805_1400.jpeg"/>
		<itunes:duration>12:34</itunes:duration>
		<itunes:summary><![CDATA[The government is preparing to launch a revamped Transformation Fund as early as next week, rewriting incentives that have shaped corporate behaviour for more than two decades. Joining Gugulethu today is Jamell Khan from Unconventional CA (UCA), who has been vocal about the risks of centralising corporate transformation funds.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9712">Inside Your Pocket</source>
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		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1640224?download=0]]></ionofm:player_url>
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	<item>
		<title>Is Hard Cash On Its Way Out?</title>
		<link>https://iono.fm/e/1640945</link>
		<guid isPermaLink="true">https://iono.fm/e/1640945</guid>
		<description><![CDATA[Guest - Kokkie Kooyman, banking analyst and director at Denker Capital<br />
<br />
As the world shifts towards cashless payment methods, South Africa is gradually moving away from cash against a social and economic backdrop of inequality and slow economic growth. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 21 Aug 2025 19:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Is Hard Cash On Its Way Out?</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_9712_20260130_111805_1400.jpeg"/>
		<itunes:duration>10:43</itunes:duration>
		<itunes:summary><![CDATA[Guest - Kokkie Kooyman, banking analyst and director at Denker Capital

As the world shifts towards cashless payment methods, South Africa is gradually moving away from cash against a social and economic backdrop of inequality and slow economic growth.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9712">Inside Your Pocket</source>
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		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1640945?download=0]]></ionofm:player_url>
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	<item>
		<title>The Shocking Rise of Gambling &amp; Pension Withdrawals in SA</title>
		<link>https://iono.fm/e/1640941</link>
		<guid isPermaLink="true">https://iono.fm/e/1640941</guid>
		<description><![CDATA[GUEST – John Manyike - Old Mutual Group Head of Financial Education.<br />
 <br />
Old Mutual Group Head of Financial Education, John Manyike to join us to discuss a growing crisis affecting working South Africans – the increasing reliance on gambling and early two-pot withdrawals to survive financially.<br />
 <br />
The recently released 2025 Old Mutual Savings & Investment Monitor (OMSIM) paints a concerning picture of financial desperation:<br />
52% of working South Africans are gambling – often to pay off debt or cover monthly expenses.<br />
31% are already dipping into their pension funds through the two-pot system, risking long-term financial security for short-term relief.<br />
Even though 96% say saving for retirement is important, the current economic pressure is forcing many to make difficult, sometimes risky, financial decisions. ]]></description>
					<category>Business</category>
				<pubDate>Thu, 14 Aug 2025 19:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>The Shocking Rise of Gambling &amp; Pension Withdrawals in SA</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_9712_20260130_111805_1400.jpeg"/>
		<itunes:duration>17:58</itunes:duration>
		<itunes:summary><![CDATA[GUEST – John Manyike - Old Mutual Group Head of Financial Education.
 
Old Mutual Group Head of Financial Education, John Manyike to join us to discuss a growing crisis affecting working South Africans – the increasing reliance on gambling and early two-pot withdrawals to survive financially.
 
The recently released 2025 Old Mutual Savings & Investment Monitor (OMSIM) paints a concerning picture of financial desperation:
52% of working South Africans are gambling – often to pay off debt or cover monthly expenses.
31% are already dipping into their pension funds through the two-pot system, risking long-term financial security for short-term relief.
Even though 96% say saving for retirement is important, the current economic pressure is forcing many to make difficult, sometimes risky, financial decisions.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9712">Inside Your Pocket</source>
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