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@32983 Buy a cheap New car, so you have reliable transport. The purpose of a car is to take you from point A to point B, and it eats your money. Focus on other important things in life. However it is your wife and your decision to make. Just my 2 cents worth.

@shivani5667 If you are planning on emigration, don't do retirement annuity in SA, as your funds will be locked for a long time. Rather consider discretionary investments, like stocks, bonds, unit trusts or etfs, where you can liquidate and move your funds abroad.