South Africa’s new twopot retirement system splits your savings into two parts: onethird can be accessed early for emergencies, while twothirds stay locked for retirement. This helps people handle urgent money problems without losing all their future savings. But many are withdrawing too often, risking their longterm security. Stories like Sipho’s show how easy access can lead to quick spending, leaving little when real crises hit. The system offers hope but also warns that good money habits and support are still needed to protect retirement dreams.
