Personal finance Archives | Galileo Capital

The Difference Between Being Wealthy and Looking Wealthy

by Frank Daubenton
Posted on October 5, 2026
in Budgeting, Financial planning, Money Management

By Frank Daubenton, CFP® We often judge wealth by what we can see. A large home, a luxury car, expensive clothing and regular holidays can all create the impression of financial success. These things may reflect genuine wealth. They may also be funded by debt, high monthly costs and very little long-term security. Real wealth[...]

by Katlego Mei
Posted on September 14, 2026
in Budgeting, Financial planning, Money Management

By Katlego Mei, CFP ® Many people work hard to improve their finances. They save regularly, pay down debt, contribute to retirement funds, and make better financial choices than they did a few years ago. Yet despite these efforts, they often feel as though they are standing still. This frustration can be dangerous because it[...]

by Frank Daubenton
Posted on August 31, 2026
in Estate planning, Financial planning, Investing

By Frank Daubenton, CFP® When the Springboks face the All Blacks, attention often falls on the big moments. A powerful scrum, a breakaway try or a match-winning kick can define the result. Yet those moments are built on something less visible: preparation, structure and discipline. The same is true of wealth. Financial success rarely comes[...]

By Jonathan Theunissen, CFP ® A few weeks ago, I chatted with a friend who had recently upgraded his cell phone. His existing phone still worked perfectly well but the newer model had just been released. Within minutes, the old phone, which had seemed perfectly adequate that morning, suddenly felt slow, outdated and not quite[...]

by Stienemarié Bonsma-Potgieter
Posted on August 17, 2026
in Financial planning, Investing, Uncategorized

Stienemarié Bonsma-Potgieter, CFP® Most women can identify at least one financial lesson they wish they had learned earlier. It may be the value of investing from the first salary. It may be the importance of understanding household finances. For others, it is realising too late that a will, an emergency fund and a retirement plan[...]

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 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.[...]

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[...]

Personal finance

The Difference Between Being Wealthy and Looking Wealthy

The Quiet Climb: Why Financial Progress Takes Time

Building Wealth the Springbok Way: Start With the Fundamentals (Part 1)

When Enough Is Enough: Knowing When to Stop Chasing More

Five financial lessons every woman should know at 25, 35 and 45

The Power of Phasing In Capital When You Start Investing

Why Liquidity Matters at Every Stage of Life

Why Smart People Still Make Bad Money Decisions

Lifestyle Creep: The Quiet Threat to Building Wealth

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