Learn at your own pace · SA-focused examples · adviser support when you need it
One journey. Different starting points.
MoneyMinds meets you where you are.
Not everyone starts with savings, investments or spare cash. Your profile helps MoneyMinds arrange the lessons that matter first — and lets you move at your own pace.
STAGE 01
Survive
Get control
Know where your money goes, prioritise essentials, stop the leaks and understand debt.
STAGE 02
Stabilise
Build a buffer
Create a payday system, start an emergency fund and protect against financial shocks.
STAGE 03
Grow
Put money to work
Learn about tax-free savings, investing, retirement and long-term goals.
STAGE 04
Build Wealth
Plan ahead
Connect goals, investments, family planning and professional advice into one long-term plan.
Tell us where you are. We’ll help you figure out what comes next.
A short onboarding profile can shape your learning path without pretending that everybody has the same finances.
Learn in minutes
Short lessons. Real-life money.
Liam and Naledi explain one idea at a time with simple examples, visual stories and practical next steps.
Everyday money
A simple payday plan
Give every rand a job before the month gets away from you.
Safety net
Your emergency fund
Understand what a buffer is for and how to build one gradually.
Growing money
How a TFSA works
A simple introduction to tax-free saving and the rules that matter.
How it works
Learn. Act. Track. Improve.
1
Create your profile
Tell MoneyMinds about your goals, priorities and current financial position.
2
Get your path
Start with the lessons most relevant to your current stage.
3
Take one action
Each lesson ends with something practical you can do next.
4
Get human help
When the question becomes personal, connect with a qualified adviser rather than guessing.
Three ways to learn
Money skills for life — not just one audience.
Individuals
MoneyMinds Personal
A guided money-learning journey from everyday budgeting through saving, investing and long-term wealth.
01
Companies
MoneyMinds at Work
Financial education as an employee benefit, with progress-based learning and optional adviser access.
02
Schools & families
MoneyMinds Kids
Age-appropriate lessons, grade pathways, rewards and simple money habits that can grow with the learner.
03
For employers & financial partners
Education first. Advice when it matters.
MoneyMinds can sit between financial confusion and formal financial advice: explain the basics clearly, help people prepare better questions, and create a natural hand-off when personal advice is required.
✓
Employee financial wellness Short, accessible lessons that fit around work.
✓
Progress and learning pathways Content can be organised by need rather than a generic library.
✓
Authorised adviser hand-off Personal advice stays with appropriately authorised professionals.
Membership concept
Start learning for less than a takeaway.
INDIVIDUAL PLAN
R99 / month
Personalised learning pathway
Weekly practical video lessons
MoneyMinds app access
Saving and goal tools
Adviser connection when appropriate
EMPLOYER / SCHOOL
Partner plans
Group access, tailored learning paths and reporting can be designed around the organisation. Pricing is shown here as a concept and would be agreed per rollout.
We’ll use it to recommend a stage and a first lesson. The prototype stores your demo progress only in this browser.
YOUR NEXT STEP
Complete the Money Check-In
About 2 minutes · no bank details · educational only
RECENT ACTIVITY
Learning Studio · V7 interactive prototype
Learn one thing. Do one thing. Move forward.
V7 turns the curriculum into a working member journey: open a mini lesson, answer a knowledge check, earn XP and unlock achievements. It is still a static prototype — there is no real account database yet.
Progress that feels visible
Achievements without turning money into a game.
The point is not points for their own sake. Small milestones make learning progress visible and give members a reason to return without rewarding risky financial behaviour.
✓ Education milestones onlyNo badge for spending more, trading more or taking more risk.
✓ Private by defaultV6 demo progress is stored locally in your browser, not sent to MoneyMinds.
✓ Advice stays separateEducational progress never pretends to be a financial-advice recommendation.
Member profile · future account model
One profile. A more relevant path.
The finished platform can use preferences and goals to personalise education without needing transaction-level banking access for the basic experience.
MM
Demo member
Create a demo profile to personalise this screen.
MEMBER TYPE—
LANGUAGE—
PRIMARY FOCUS—
CHECK-INS SAVED0
Money Check-In history
In a real member account, repeat check-ins could show whether financial confidence and resilience are improving over time. V6 stores snapshots only on this device.
Prototype privacy note: No password, payment details, bank data or identity verification is collected here. This static demo uses browser storage only. A production build would require proper authentication, encryption, consent, access controls and a privacy policy.
Your personal MoneyMinds path
Your dashboard should answer one question: “What do I do next?”
The demo now turns your Money Check-In into a staged learning path, a recommended next action and a visible curriculum. Progress is saved on this device so the prototype behaves more like a real member experience.
YOUR CURRENT STAGE
Complete your Money Check-In
Answer the short check-in above and MoneyMinds will recommend a starting point.
PERSONALISED PATH
Progress appears after your check-in.
01 · Survive
02 · Stabilise
03 · Grow
04 · Build Wealth
Your recommended next lesson
Run your Money Check-In to unlock a recommended first lesson.
MoneyMinds explains the reason behind each recommendation, so the learning order never feels random.
Support when it matters
Education first. When a decision needs personalised advice, MoneyMinds can offer a consent-based hand-off to an appropriately authorised adviser.
Your current four-lesson sprint
For the demo, mark lessons complete and watch your progress move. In the final product, completion would be linked to lessons, quizzes and actions.
Prototype logic only. Stage placement is educational guidance, not a financial assessment or advice recommendation.
Money Health Snapshot · prototype
A stage is useful. A profile is smarter.
V5 keeps the four-stage journey, but also shows the building blocks underneath it. Two people can both be in Stabilise for very different reasons — one may need a cash buffer, while another needs to clean up debt or protection.
YOUR MONEY HEALTH
Complete the Money Check-In
NO RESULT YET
Your strongest areas, pressure points and next best action will appear here after the check-in.
Survive control cash
Stabilise build resilience
Grow put money to work
Build Wealth connect the plan
Your MoneyMinds guides
Meet Naledi & Liam
They do not just read slides. In the finished experience they introduce the problem, hand over to animated examples, challenge you with a practical action and bring you back for the next step.
“Understand it. Do one thing with it. Then move forward.”
The MoneyMinds method
Not a video library. A learning loop.
Every important topic should eventually use the same repeatable pattern so members know exactly how to learn and what to do next.
1
Understand
A two- to four-minute plain-language explanation with South African context.
2
Watch
Liam or Naledi uses a strong hook, visual examples and purposeful motion.
3
Do
Complete one practical action: calculate, list, automate, compare or decide.
4
Check
Answer a short quiz or reflection so knowledge turns into confidence.
5
Progress
MoneyMinds updates your path and recommends the next useful lesson.
Curriculum architecture
A complete journey — not random topics.
The dashboard still gives you a focused four-lesson sprint. Behind it sits a broader curriculum that can grow into dozens of lessons, tools and life-stage pathways.
01 · FOUNDATION
Survive
Where did my salary go?
Payday plan
Needs, wants & trade-offs
Debt map & interest cost
First emergency buffer
Irregular bills & sinking funds
Credit basics
Money admin & scams
02 · RESILIENCE
Stabilise
Emergency-fund target
Automate payday
Debt cleanup strategy
Protection basics
Credit health
Goal pots
Household money systems
Annual money reset
03 · LONG-TERM
Grow
Saving vs investing
TFSA rules & purpose
Retirement basics
Risk & volatility
Diversification
Fees & taxes
Compound growth
Investor behaviour
04 · INTEGRATION
Build Wealth
Portfolio map
Retirement strategy
Family & education goals
Wills & beneficiaries
Tax-aware planning basics
Property & major goals
Annual portfolio review
When advice adds value
MoneyMinds Money Library
A South African money library that goes far beyond three videos.
Short, original MoneyMinds guides cover everyday money, safety nets, debt, tax-free investing, investing behaviour, retirement, family goals and the industry around your money. Each topic can later become a read, a Liam/Naledi lesson, a practical action and a quiz.
Safety net
Build your first emergency buffer
Why accessible cash comes before taking more investment risk, and how to start with a target that feels achievable.
≈ 3 min · action included
Everyday money
Give every payday a job
A simple flow for essentials, commitments, future-you money and guilt-free spending before the month starts making decisions for you.
≈ 3 min · video available
Everyday money
Needs, wants and the grey area
Use priorities rather than guilt: protect essentials, plan for obligations and decide consciously what remains for lifestyle spending.
≈ 3 min · worksheet planned
Debt
Debt: stop the expensive leaks first
Understand interest cost, minimum payments and two common repayment approaches without pretending one method suits everyone.
≈ 4 min · debt tool planned
Saving & investing
Saving and investing are not the same job
How time horizon, access needs and risk affect where money belongs for short-, medium- and long-term goals.
≈ 4 min · beginner guide
Tax-free investing
How a TFSA fits into a plan
The purpose of tax-free investing, why contribution room matters and the rules to check before contributing or withdrawing.
≈ 4 min · video available
Long-term growth
Why time can matter more than starting big
A plain-English explanation of compounding, consistent contributions and why projections are not guarantees.
≈ 4 min · calculator below
Costs
Fees, taxes and friction
Small percentages can change long-term outcomes. Learn the common costs to look for and why total cost matters.
≈ 4 min · comparison guide
Risk
Diversification without the jargon
Why spreading exposure can reduce concentration risk, what it cannot protect you from and why goal timing still matters.
≈ 4 min · animation planned
Behaviour
Your behaviour matters when markets get noisy
Why panic, chasing recent winners and reacting to headlines can work against a long-term plan.
≈ 4 min · behaviour module
Retirement
Retirement accounts in plain English
What retirement saving is trying to achieve, why preservation matters and which questions to ask before changing a product.
≈ 5 min · SA context
Goals
Turn vague goals into money pots
Give each goal a name, amount, time frame and monthly contribution so progress becomes visible and easier to automate.
≈ 3 min · goal tool planned
Families
Teaching children what money is for
Age-appropriate ideas for earning, spending, saving, giving and waiting — without turning every family conversation into a lecture.
≈ 4 min · kids pathway
Protection
Protection before prediction
Understand the role of insurance and income protection before chasing returns, and know when personalised advice becomes important.
≈ 4 min · adviser hand-off
How the industry works
Who does what with your money?
A simple map of advisers, FSPs, administrators, platforms, asset managers and regulators in the South African investment chain.
≈ 5 min · explainer
Money basics
Where should different money live?
Cash, transaction accounts, savings, investments and retirement accounts do different jobs. Start with the job, then choose the container.
≈ 4 min · foundation
Credit
Credit: useful tool, expensive trap
Understand what borrowing costs, why repayment behaviour matters and why “affordable monthly payment” can hide a large total cost.
≈ 4 min · action checklist
Money safety
Scam-proof your money habits
Simple habits around OTPs, links, passwords and payment verification can prevent a financial plan being wrecked by one bad click.
≈ 3 min · safety checklist
First job
Read your payslip without guessing
Gross pay, take-home pay and deductions are not the same thing. Learn what to check before building a monthly plan around your salary.
≈ 4 min · first-job track
Investing
Risk is more than a scary red number
Volatility, permanent loss, concentration, inflation and needing money at the wrong time are different risks — and should be treated differently.
≈ 5 min · visual lesson
Investing
How to read a fund fact sheet
What the objective, asset mix, benchmark, fees and risk information are trying to tell you — without choosing a fund for you.
≈ 5 min · worksheet planned
Family & estate
Wills, beneficiaries and the people behind the plan
Long-term planning is not only about returns. Make sure the people, documents and beneficiary choices around your money are not ignored.
≈ 4 min · checklist
Households
Have better money conversations
Shared goals do not require identical spending personalities. A simple household system can reduce surprises, secrecy and recurring arguments.
≈ 4 min · conversation guide
Research approach: MoneyMinds uses public consumer-finance education as coverage inspiration, then writes its own lesson structure and wording. Time-sensitive rules are checked against primary sources. Example: SARS states the tax-free investment annual contribution limit increased to R46,000 from 1 March 2026, with a R500,000 lifetime contribution limit. Rules can change, so members should always check the current official guidance before acting.
Practical tools
Turn “I understand it” into “I can do something with it.”
These are intentionally simple demo tools. The production version can store goals, connect lesson completion and provide richer calculators with clear assumptions.
Emergency-fund target
Enter essential monthly expenses and choose how many months of cover you want to explore.
Your example target will appear here.
Payday split starter
See how a simple split could translate a take-home amount into broad planning buckets. Adjust it later to your real obligations.
This is an education example, not a prescribed budget.
Compound-growth illustration
Explore how monthly contributions, time and an assumed return interact. Real returns vary and are never guaranteed.
An illustrative future value will appear here.
Illustrations ignore product fees, taxes, inflation and changing returns unless stated. They are educational examples, not forecasts or personalised advice.
Goal planner · working demo
Turn “I want to save” into a target you can see.
Add a goal, amount and date. MoneyMinds converts it into a simple monthly target and saves it on this device. This is the beginning of the future “money pots” experience.
Illustrative planning only. The monthly figure ignores investment returns, inflation, taxes and fees; the production version can add goal-specific assumptions.
Business layer · pilot concept
A small pilot can prove the model before anyone builds the whole platform.
For employers or an adviser/FSP partner, MoneyMinds can start as a measured education pilot: onboarding, a short learning path, practical actions and anonymised engagement reporting.
1
Onboard
Invite a pilot group and run the Money Check-In.
2
Teach
Release one focused lesson each week with a practical action.
3
Measure
Track completion, confidence and topic demand — not private financial details.
4
Learn
Use feedback to decide what the MVP needs before scaling.
Pilot dashboard idea
Measure engagement, not surveillance.
Company reporting should be aggregated and privacy-conscious. The employer needs to know whether the benefit is being used — not what an individual employee earns, owes or invests.
The same MoneyMinds engine can serve people, employers, schools and advisers differently.
The content stays consistent while onboarding, reporting, branding and support change to suit the audience.
INDIVIDUALS
MoneyMinds Membership
Personal Money Check-In, tailored path, lessons, practical tools and progress tracking.
Concept price: R99/month
New content each month
Optional adviser support
COMPANIES
MoneyMinds at Work
Financial education as an employee benefit with short monthly campaigns rather than long classroom sessions.
Employee onboarding
Campaign themes
Anonymous engagement reporting concept
SCHOOLS & FAMILIES
MoneyMinds Kids
Age-appropriate money education built from the ground up for children and teens.
Foundation Phase
Intermediate Phase
High school / first salary
FSP / ADVISER PARTNERS
Education → Advice
Education stays general. When a member reaches a decision needing personal recommendations, MoneyMinds can offer a consent-based hand-off.
Better-prepared clients
Clear education/advice boundary
Partner branding subject to approval
The product position
MoneyMinds is education-led, not product-led. The member first understands their money, learns what comes next and takes practical actions. Products or personalised advice only enter when they are relevant to the member’s actual situation.
Money Check-In
Let’s find your best starting point.
Ten quick questions. No judgement and no complicated forms — enough to recommend a stage and build a simple Money Health Snapshot.
Demo member profile
Make MoneyMinds feel like yours.
This is a front-end prototype. The information below stays in this browser and is used only to personalise the demo.
V7.2 · member system prototype
STATIC DEMO · browser-only data
V7 · Path Intelligence
MoneyMinds should know what matters next — not only where you scored.
This layer turns your latest Money Check-In, profile and learning progress into a simple Now → Next → Later plan. It is educational prioritisation, not personalised financial advice.
NOW
Run your Money Check-In
Your highest-priority learning action will appear here.
NEXT
Build the foundation
MoneyMinds will line up the next useful topic once your starting point is known.
LATER
Grow with confidence
Long-term investing and wealth topics come after the basics are in place.
YOUR MONEY HEALTH MAP
Seven areas, one connected journey.
Life Moments
Sometimes people don’t search for “financial education”. They search for what is happening to them.
V7 adds life-event pathways so MoneyMinds can meet members in plain language and bundle the right lessons, tools and questions around the moment.
MoneyMinds Knowledge Engine
A proper learning library — original MoneyMinds material, source-checked for South Africa.
We are using leading financial-education sites such as Fynbos as a coverage benchmark, while writing MoneyMinds content from scratch and checking changing rules against primary sources such as SARS and the FSCA.
Source & freshness rule
Static financial concepts can be taught directly. Any figure or rule that can change — tax limits, retirement rules, contribution caps or regulatory information — should carry a date/source check before publication. In this V7 prototype the TFSA annual contribution limit is shown as R46,000 from 1 March 2026, with a R500,000 lifetime limit, based on SARS. FSCA consumer education is used for regulatory and scam-awareness framing.
One learning engine. Four very different experiences.
This is the beginning of the sales demo: switch between an individual member, an employer, a school/family track and an FSP/adviser partner to see what each would actually get.
Content Factory · Grok/HeyGen ready
The next 10 MoneyMinds videos are now a production queue, not random ideas.
Each topic follows the V2 Production Bible: hook → presenter → visual explanation → South African example → one action → branded close. When Grokbot credits reset, this becomes the batch.
