Episode 03: Your Money, Your Rules, Money Management Basics - A Conversation with Stephanie de Klerk

You get paid. For a few days, you feel sorted. Then somehow, halfway through the month, your account looks like it betrayed you. Sound familiar?In this episode, our host Mbakumua Tjaveondja kicks off our five-part financial literacy series in partnership with SanlamAllianz, recorded at #BeFree Studio at the #BeFree Youth Campus in Katutura. Joining him is Stephanie de Klerk, Business Development Consultant at SanlamAllianz, whose journey from practicing lawyer to financial development consultant has given her a unique perspective on money, change, and staying teachable.Stephanie breaks down the basics of income, expenses, and budgets in real, everyday terms, and unpacks the psychology behind why our money disappears before the month ends. She explains why financial literacy starts far earlier than most of us realise, how the lessons we are taught as children shape our habits as adults, and why confronting your real numbers is the first step toward fixing your money habits.In this episode, we unpack:Why your paycheck disappears before the month ends, and what is actually behind itIncome, expenses, and disposable income are explained in real-life terms.The 50/30/20 budgeting rule and whether it realistically applies in the Namibian contextThe psychology of spending and how to identify your own triggers without shameWhy financial literacy starts in childhood, and what that teaches us about adulthoodThree simple steps you can take this week to reset your relationship with moneyMoney is not about being perfect. It is about being aware, being intentional, and having options.This episode is part of our five-part financial literacy series with SanlamAllianz, making money conversations accessible, relevant, and empowering for young Namibians through the YO!Preneur Podcast, your launchpad to success! Your money. Your rules. Your future.