As the year wraps up, it's the perfect moment to pause, reflect, and refocus. From building a resilient wealth mindset to navigating digital risks, future-proofing your estate plans, rethinking retirement, and making smarter energy choices — this year’s conversations have reshaped how we think about money, security, and long-term wellbeing.

In this special Year in Review episode of Everything Counts, we revisit the ideas that pushed us to grow, question assumptions, and plan with greater intention. From the habits that unlock financial confidence to the rising trends changing how we work, save, protect ourselves, and power our homes, this roundup captures the big shifts shaping a more empowered financial future.

Whether you’ve taken small steps, bold leaps, or simply absorbed new insights along the way, this episode is your invitation to carry that momentum forward. Here’s to entering the new year with clarity, courage, and a mindset built for possibility.

00:00 Introduction

01:00 What is a wealth mindset?

03:50 The importance of mentorship and learning about money

05:00 How do you start again when things go wrong?

07:30 Estate planning and drafting a will in South Africa

08:00 What happens if you don’t have a will?

09:00 What makes a will valid in South Africa?

10:00 Impact of poor savings habits and why early retirement planning is key

13:30 How a financial advisor can help with retirement planning

15:00 What happens if you outlive your retirement savings?

16:00 Business cybersecurity and common scams

17:10 Business email compromise

18:00 Understanding social engineering

19:00 The use of AI in cybercrime

20:00 Cybercrime to look out for

22:00 Home solar systems in South Africa

23:00 Solar installation regulations in South Africa

24:30 Solar compliance and safety considerations

28:00 Conclusion Investec Focus Radio SA