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@san422 Thank you!! this is the most helpful thing I have read, definitely going to be using this :))

I am a 19 year old in South Africa and have about R60 000 saved up in a fixed compound account (7.70% nominal). Making, give or take, R15000 per month. Monthly expenses are R2000 food and R1400 petrol. I know this may feel like i’m overreacting but I am really stressed about being in my 20s...