July is Savings Month—but for many South Africans, saving feels more like a luxury than a choice.

July is Savings Month—but for many South Africans, saving feels more like a luxury than a choice. With the cost of food, transport, electricity and other essentials continuing to climb while incomes remain under pressure, is it still realistic to tell people to simply "save more"? This morning, we explore practical ways to build financial resilience, even in tough economic times. Guest: Tinus Rautenbach: Business Head of Clarify by Investec,