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@yhwhismysalvation You have a serious credit problem. Ditch the 9k car, cut down on the phone and aggressively pay off your credit card. Spend 6 months focusing on reducing your credit commitments and debt and you’ll be in a much much better place

@brandon9 I have a bond with FNB as a self employed person. Pay yourself a salary, drawing on loan account will get you into trouble with SARS eventually unless you charge yourself reasonable arms-length interest You could also pay yourself a dividend Have audited signed AFS + up to date...

@dyvinka Set aside 100k into a high yield account and convert the rest to USD and invest with IBKR into VOO, buying weekly for 5 weeks in equal amounts to average in then forget about it for 30 years