achieveadviceafricabenefitbenefitsbetterbeyondbudgetcautiouscoursecovidcrisiseducationemergencyemployersenvironmentequityfeaturefilefinancefinancesfinancialfreefreshfundfundsgoalshabitshelpincomeinflationinflationaryinvestinvestinginvestmentinvestmentsinvestorinvestorskeylessonslongmakingmanagermarketmaximisemoneyoptimismpersonalportfoliopreparequestionsratereadyretirementreturnsavingsseasonsetsouthstarttaxtermtimestoughuncertainuncertaintyyear