Welcome to the Personal Finance Podcast show with me content editor - Ruan Jooste. This is the first episode of a 4-part series, during the month of October, in collaboration with the South African Institute of Taxation, or Sait for short, which we famously dubbed Tax Month, as we will not only see the Medium-Term Budget Review be presented in parliament on the 26th, but also have various Tax amendments enacted, as announced in February Budget. There are also a variety of tax changes that have been implemented recently, especially in line with retirement reform, one being the streamlining of pension and provident funds from a tax perspective.