“I needed to be braver” is how 2022 Money Makeover runner-up Zinzy described her financial situation when she entered the money bootcamp six months ago. In this open and frank conversation, Zinzy talks about the courage it took to have difficult discussions with people who owed her money and taking her head out the sand to tackle conversations with creditors including SARS. “I was an ignorer of note,” admits Zinzy. In this podcast discussion Maya is joined by both Zinzy and Absa financial adviser Phumzile Dube, who Zinzy refers to as her “financial therapist”. Zinzy’s journey is one many South Africans will relate to and a lot can be learnt from her journey and her lessons.