What If?


We all have questions about investing our money, but sometimes we just don’t know where to start, or how much we need to invest.

But what if quitting one unhelpful habit could help you take that holiday you always wanted? What if changing one small expense could lead to a lifetime of investing well?

Graeme Richards and Nedbank are hitting the streets of Cape Town to ask ordinary South Africans about those guilty pleasures busting their budget, and what dreams they could have for that money instead.

From online shopping to takeaways, soft drinks and streaming services, Graeme is on a mission to ask South Africans: 'What if?'

What if... I cut out monthly takeaways and invested the money?

Watch Episode 1

Talking about money can often feel intimidating, but it doesn't have to be. By asking 'What if?', can changing one bad spending habit put you on the fast track to investing well?

In our first episode, Graeme meets 24-year-old marketing manager, Amanda Gqoli, who recently moved from Port Elizabeth to Cape Town.

New to the city, Amanda admits that her "spending kryptonite" is food delivery services, and would like to invest toward owning her own apartment one day.

Watch the video for Amanda's story. You also stand to WIN one of five R5 000 prizes when you tell us what you would like to cut from your budget, and what investment goal you have.

Watch Weekly Episodes

We Ask Amanda: 'What If?'

24-year-old Amanda wants to limit her monthly spending on delivery apps and invest towards owning her own apartment.

We Ask: Joshua: 'What If?'

23-year-old Josh wants to invest towards a deposit on a new car by spending less money on eating out.


Do you have any bad spending habits?

Tell us what expense you want to cut from your budget, and what you would like to invest toward. You could stand to WIN one of five R5000 investment* prizes towards your financial goals. 


While it might not seem like you're spending a lot of money now, it all adds up. We've done the math.

Did you know that buying a R25 cup of coffee daily for a year equates to R8 900?

*Prize money will be paid into a JustInvest account. You don’t have to be a current Nedbank customer to open a JustInvest account. 

Find out more about Nedbank's JustInvest account HERE.

What if changing one small expense could lead to a lifetime of investing well?