They say time is money but when it comes to investing, time is everything. In this episode, we unpack one of the most powerful yet underrated principles in personal finance: the power of compounding.

Nerina Visser, Director and ETF Strategist at ETFSA explains how small, consistent investments can grow into significant wealth over time. She breaks down why starting early matters more than starting big, the difference between saving and investing, and how to make compounding work in your favour no matter your income or stage of life. Kaya FM