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@deb2002 Thanks so much! All of that is incredibly good to know, particularly the ability to decrease the 500k limit. I appreciate your help/time, and will follow your advice :)

Hi! I'm a student and and I was recently gifted R100000 by a godparent completely out of the blue. I've never really dealt with large amounts of money, and have been living in an apartment owned by a family member while being able to mostly pay for my own food with income from tutoring. Before...