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Knowing more about money won't make you better with it
Knowing more about money won't necessarily make you better with it.That might sound strange. But it's one of the clearest findings from the Franc Wealth Index Report 2026, based on responses from nearly 4,000 South Africans.In episode 4 of the Francly Speaking Wealth Index mini-series, Manuella Penev and Dr Thomas Brennan unpack the gap between knowing and doing when it comes to money.In this episode, they explore:🧠 Why financial knowledge is a much weaker predictor of financial wellbeing than most people think📊 What the data reveals about South Africans' financial literacy levels💸 Why even financially knowledgeable people often struggle with saving, investing and retirement planning⚙️ The role that habits, systems and structure play in turning good intentions into action📈 Why the most financially successful people rely on routines, not motivationOne of the most important insights from this conversation? Knowledge creates intent. It doesn't automatically create action.The data suggests that financial wellbeing isn't built by learning everything before you start. It's built by taking small actions consistently, and creating systems that make those actions easier to repeat.Download the full Franc Wealth Index Report 2026:https://tinyurl.com/8kw526n8If you've ever told yourself, "I'll start investing once I understand a bit more", this episode is for you.Don't wait until you feel ready. The doing is part of the learning.Download the Franc AppGoogle Playstore: http://bit.ly/3cJgLN2Apple App Store: http://apple.co/36LTealHuawei App Gallery: https://bit.ly/3P1UtFM
15 Jul 2026
Habits with the BIGGEST financial impact
Most people think financial wellbeing starts with earning more money.The data says it starts with having a plan.In episode 3 of the Francly Speaking Wealth Index mini-series, Manuella Penev and Dr Thomas Brennan unpack the small money habits that have the biggest impact on financial wellbeing — based on insights from nearly 4,000 South Africans.In this episode, they explore:📈 Why investing consistently is the single strongest predictor of financial wellbeing🎯 How setting financial goals can more than double your chances of stronger financial outcomes💸 Why emergency savings are the foundation that supports every other money habit🧠 What behavioural science teaches us about "keystone behaviours"📋 Why financial planning may be the most powerful financial habit of allOne finding stood out above the rest: people who actively plan their finances score higher across every dimension of financial wellbeing — from investing and saving to confidence and peace of mind.The good news? Financial planning doesn't need to start with a spreadsheet or a financial adviser.It can start with one goal, one number, and one timeline.Download the full Franc Wealth Index Report 2026:https://tinyurl.com/8kw526n8Download the Franc AppGoogle Playstore: http://bit.ly/3cJgLN2Apple App Store: http://apple.co/36LTealHuawei App Gallery: https://bit.ly/3P1UtFM
15 Jul 2026
The Gender Confidence Gap
Women are outperforming men financially. So why are they still more anxious about money?
That’s one of the clearest — and most emotional — findings from the Franc Wealth Index Report 2026, based on responses from nearly 4,000 South Africans.
In episode 2 of this Francly Speaking mini-series, Manuella Penev and Dr Thomas Brennan unpack:
📊 Why women scored higher than men on overall financial wellbeing
🧠 Why women still report significantly higher financial anxiety
📈 The money habits women tend to do better than men
💸 Why investing confidence — not capability — is often the real barrier
👀 And why waiting to “feel ready” before investing might be holding you back.
One of the most important takeaways from this conversation? Confidence doesn’t usually come before action. It’s built through action.
This episode is not about blaming women for feeling anxious about money. The data shows those concerns are rooted in very real pressures.
But it also shows something equally important: many women are doing far better financially than they give themselves credit for.Download the full Franc Wealth Index Report 2026:https://tinyurl.com/8kw526n8
If you’ve ever felt intimidated by investing, this conversation is for you. Start small. Keep it simple.
Let the habit build the confidence.Download the Franc AppGoogle Playstore: http://bit.ly/3cJgLN2Apple App Store: http://apple.co/36LTealHuawei App Gallery: https://bit.ly/3P1UtFMVisit the Franc Website:https://www.franc.app/
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