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Consult by Momentum Financial Adviser Ryan Arntzen explains why becoming a millionaire has little to do with earning a massive salary — and everything to do with mindset, discipline and consistent habits. We unpack the real definition of wealth, the “millionaire mindset,” the danger of lifestyle creep, the power of paying yourself first, and how ordinary earners can build long‑term financial resilience. Ryan also breaks down realistic timelines for reaching R1 million through monthly investing. www.kaya959.co.za · Best Of Kaya Biz

The FSCA has entered a new era of enforcement — and Phumeza Mabuza, Head of Investigations, breaks down the regulator’s most assertive year yet. We unpack record‑high penalties, digital‑age misconduct from deepfakes to WhatsApp trading groups, rising debarments, strengthened court rulings, and the FSCA’s massive consumer education footprint. Phumeza explains what’s driving the crackdown and what South Africans should be most alert to in the year ahead. www.kaya959.co.za · Kaya FM

43 deaths in the 2026 winter initiation season have been confirmed across the country with Mbuyiselo Botha — Founder, South African Men’s Forum.

The cost of living has become one of the biggest pressures facing South African households. Even as inflation has eased at times, many families are still paying more for essentials like transport, electricity, food and household goods, leaving less money at the end of the month. And that's why everyday items suddenly feel expensive. In this economy… what have you started treating like it’s made of gold? Kaya 959 Website

At times we find ourselves in the doghouse with our partners, friends, family, or colleagues and we honestly just don’t understand why they are mad. So with the Blind Spot we and the listeners help you see and understand some of the blind spots you might have missed in certain situations. Kaya FM

Fresh, Thato and the team weigh in on the story of Kwaito star L’vovo Derrango who recently opened up about the devastating stroke that almost claimed his life. The team asked listeners on how to deal with a serious illness that comes your way when you are thriving in your career and life, and whether you ever had to care for someone dealing with an illness in their prime.  How did you deal with it? Kaya 959

#KayaBiz host Gugulethu Mfuphi spoke to Fresh and Thato looks ahead to South Africa’s economic week ahead. They also reflect on ⁠Goldman Sachs is optimistic about South Africa’s credit rating outlook. Kaya 959

Fresh, Thato and the team weighed in on what to make of news of a Survey showing that more South Africans open to non-democratic governance, this HSRC research ahead of November's local elections shows low trust in the IEC and government, with more South Africans open to non-democratic governance. Kaya 959

Every Mondays kids get things off their chest about grown-ups and get to tell us hoe they spent the weekend.

What has been your highlight of the year? Kaya 959

Fresh and Thato spoke to Daily Maverick Reporter, Nonkululeko Njilo on what to make of a dramatic turn in former defence minister Nosiviwe Mapisa-Nqakula's R4.5 million corruption trial as state witness Moira Granny Seape told the Pretoria High Court she received an anonymous threat accusing her of helping build a non-existent case and warning her to "watch out." while also contradicting testimony by state's key witness Nombasa Ntsondwa-Ndhlovu on how they met.    Kaya 959