Articles | Galileo Capital

Personal Wealth and Business Wealth Are Not the Same Thing

By Jonathan Theunissen, CFP ® For many business owners, the line between personal money and business money can feel blurred. That is understandable. The business may have funded your lifestyle, created opportunities for your family, and become your biggest financial asset. It may also reflect years of sacrifice, identity, and risk. It is easy to[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Starting to invest is one of the most important financial decisions a person can make, yet it is often delayed for too long. Many people wait because they want the timing to feel right. They hope markets will settle, uncertainty will ease, and a clearer moment to begin will[...]

By Katlego Mei, CFP ® Many people think a good investment strategy is only about growth. They focus on returns, market performance, and picking the right products. That matters. But there is another part of investing that deserves just as much attention: liquidity. Liquidity simply means having access to money when you need it. It[...]

By Frank Daubenton, CFP® Retirement can simplify your lifestyle. It often complicates your tax position. The difference between a comfortable income and unnecessary tax can come down to where your money is drawn from and how those income streams are structured. Why retirees often pay more tax than necessary Many retirees pay more tax than[...]

by Jonathan Theunissen
Posted on April 21, 2026
in Budgeting, Financial planning, Investing

By Jonathan Theunissen, CFP ® Intelligence helps people solve problems, build careers, and handle complexity. But money does not always reward intelligence. Many capable, successful people still overspend, delay investing, take unnecessary risks, or avoid basic financial planning. That may seem surprising, but it is common because money decisions are rarely driven by knowledge alone.[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Investing is often described as a rational process shaped by facts, data, and careful decision-making. In reality, it is far more human than that. Every investor brings emotion into the process, whether they realise it or not. Fear, doubt, impatience, and even optimism influence the way people respond to[...]

By Katlego Mei, CFP ® For many people, earning more should mean making real financial progress. Yet that is often not what happens. Income rises, but savings do not. Debt remains. Financial stress stays close. The reason is usually lifestyle creep. Lifestyle creep happens when your spending rises as your income rises. At first, it[...]

By Frank Daubenton, CFP ® Every retiree eventually asks the same question. How much can I safely draw each month without running out of money? It is a reasonable question, but it is often answered in the wrong way. Too many retirement conversations start with percentages. Drawdown rates, returns, and assumptions dominate the discussion. None[...]

By Jonathan Theunissen, CFP ® For many South African parents, the idea of teaching children about money can feel overwhelming. Budgets are tight, costs are rising, and it’s tempting to think that “they’ll learn later.” But the truth is that the most important money lessons don’t come from spreadsheets or apps – they come from[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner In many households, one parent manages the finances. One pays the bills, monitors the accounts, and makes most of the decisions, while the other keeps the household running. Often that second parent has stepped back from paid work to raise children, or may simply not feel equipped or confident[...]

Blog

Personal Wealth and Business Wealth Are Not the Same Thing

The Power of Phasing In Capital When You Start Investing

Why Liquidity Matters at Every Stage of Life

Tax in Retirement: How to Keep More of Your Income

Why Smart People Still Make Bad Money Decisions

Why Long-Term Investors Need Perspective During Short-Term Noise

Lifestyle Creep: The Quiet Threat to Building Wealth

How Much Is Enough? Turning Retirement Savings Into a Reliable Monthly Income

Teaching Children About Money Without Making It Complicated

How to Make Everyone in the Household Feel Secure About the Family Money Plan

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