South Africa’s twopot retirement system splits savings into two parts: one you can use early for urgent needs, and one that stays locked away for your retirement. This system helps people manage today’s money problems without losing their future security. Many have already used their accessible savings more than once to cover costs like school or medical bills, showing how tough life can be. While the choice to wait and save more rewards patience, many face tough decisions between spending now and saving for later. The system is a new way to balance hope and hardship, but it also brings risks like taxes and the danger of falling into debt traps.
