africabenefitbenefitsbetterbeyondbudgetcoursecovidcrisiseducationemergencyenvironmentequityfeaturefilefinancefinancesfinancialfreefreshfundhabitshelpincomeinflationinflationaryinvestinvestinginvestmentinvestmentsinvestorinvestorskeylessonslongmakingmanagermarketmaximisemoneyoptimismpersonalportfoliopreparequestionsratereadyretirementreturnsavingsseasonsetsouthstarttaxtermtimestoughuncertainuncertaintyyear