Uploaded January 2026 | Updated September 2026, 2 weeks ago
Starting your first real job with a decent pay check should feel exciting but what if it mostly feels confusing, stressful and a little scary? If you’ve made money mistakes before, missed payments or taken on debt you didn’t fully understand, you’re not alone… and you’re not out of options.
In this episode of Everything Counts, Motheo Khoaripe sits down with Investec’s Keshnie July, Lending Product Owner and Lehlogonolo Ramushu, Credit Risk Consultant, to talk about how young professionals can recover from financial missteps and start building a stronger, more intentional money future.
The conversation tackles what it really takes to bounce back after defaulting, overextending yourself or ignoring those dreaded payment reminders. From understanding your credit report, to budgeting realistically, facing debt head on and asking for help when you need it, this episode breaks down the practical steps that make recovery possible.
The episode also touches on separating needs from wants, avoiding impulse-driven debt, navigating “easy credit” offers and making smarter decisions before taking on new financial commitments. As the discussion shifts toward building wealth, the experts share simple, realistic strategies for saving, creating an emergency fund, paying off debt faster and laying the groundwork for long-term financial security.
If you’re a young professional trying to reset your money mindset, get out of debt or turn your first proper salary into something meaningful, this episode will help you move from survival mode to stability and eventually, to growth.
00:00 Introduction
01:00 Debt management: How to bounce back from money mistakes
02:00 How to build better money habits
03:47 Biggest financial mistakes that young adults make
04:50 Affordability assessment: What young professionals should ask before taking on more debt
06:19 What do you do when you run into financial problems?
08:47 Recovering from debt
10:25 Strategies for building wealth in the long term
10:50 The importance of building an emergency fund
11:20 The importance of having savings
12:10 Practical steps for young professionals starting their wealth journey
15:05 Compare savings accounts with good interest rates
15:20 Conclusion Investec Focus Radio SA (investec.com/en_za/focus/investec-focus-radio-podcasts.html)
Starting your first real job with a decent pay check should feel exciting but what if it mostly feels confusing, stressful and a little scary? If you’ve made money mistakes before, missed payments or taken on debt you didn’t fully understand, you’re not alone… and you’re not out of options.
In this episode of Everything Counts, Motheo Khoaripe sits down with Investec’s Keshnie July, Lending Product Owner and Lehlogonolo Ramushu, Credit Risk Consultant, to talk about how young professionals can recover from financial missteps and start building a stronger, more intentional money future.
The conversation tackles what it really takes to bounce back after defaulting, overextending yourself or ignoring those dreaded payment reminders. From understanding your credit report, to budgeting realistically, facing debt head on and asking for help when you need it, this episode breaks down the practical steps that make recovery possible.
The episode also touches on separating needs from wants, avoiding impulse-driven debt, navigating “easy credit” offers and making smarter decisions before taking on new financial commitments. As the discussion shifts toward building wealth, the experts share simple, realistic strategies for saving, creating an emergency fund, paying off debt faster and laying the groundwork for long-term financial security.
If you’re a young professional trying to reset your money mindset, get out of debt or turn your first proper salary into something meaningful, this episode will help you move from survival mode to stability and eventually, to growth.
00:00 Introduction
01:00 Debt management: How to bounce back from money mistakes
02:00 How to build better money habits
03:47 Biggest financial mistakes that young adults make
04:50 Affordability assessment: What young professionals should ask before taking on more debt
06:19 What do you do when you run into financial problems?
08:47 Recovering from debt
10:25 Strategies for building wealth in the long term
10:50 The importance of building an emergency fund
11:20 The importance of having savings
12:10 Practical steps for young professionals starting their wealth journey
15:05 Compare savings accounts with good interest rates
15:20 Conclusion Investec Focus Radio SA (investec.com/en_za/focus/investec-focus-radio-podcasts.html)
