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@digitalsoldier0 Given that this is financial advice from a qualified professional, I don’t think it is fair to you or your mom to be asking for opinions on reddit. Rather approach a different FA who works with a different FSP (i.e. not Sanlam). They will be able to offer you a qualified...

@junebirch4 They don’t have a disposable income of 30k. Their fixed expenditure currently totals 30k which leaves about 20k on the table after tax (Assuming they both earn about the same). Whether getting on the property ladder is a good idea or not depends entirely on the location and...