Struggling with debt? Learn 7 practical questions to ask before taking a loan, plus debt management and responsible borrowing tips for better financial wellbeing.
Author: TKO Financial Wellness
TKO Financial Wellness Academy, powered by TKO Financial Wellness, is a leading digital financial education platform delivering practical, jargon-free learning for life, work, and retirement. Through expert-led courses, podcasts, financial wellness assessments, and digital resources, we empower individuals, employers, and organisations to build financial confidence, strengthen workplace financial well-being, prepare for retirement, and make informed financial decisions at every stage of life.
Struggling With Debt? Here’s How to Regain Control and Rebuild Your Financial Confidence
Feeling overwhelmed by debt? Learn practical debt management strategies, reduce financial stress, and regain control of your money with this step-by-step guide.
Can Financial Wellness Help Prevent Human Trafficking?
Financial wellness is often associated with budgeting, saving, investing, and retirement planning. But what if it could also become one of our strongest tools for preventing exploitation?
Access to Business Funding Isn’t Your Biggest Challenge—Business Readiness Is
Think funding is your biggest challenge? Discover why business readiness matters more than finance and how the Inclusive Growth Facility can help Lesotho entrepreneurs.
The Profession I Never Planned to Love
Discover why financial planning is about more than money. Learn how working with a financial planner can help you build financial confidence, freedom, and the life you want.
The Small Habit That Quietly Changes Everything
Saving isn’t about having more money, it’s about becoming the kind of person who consistently keeps promises to their future self. Discover the story behind #Lisente2Makholo and the small habit that can transform your financial life.
The Biggest Investment Mistake I Made Had Nothing to Do With Money
Many people don’t lose money because they don’t want to invest—they lose money because they chase quick returns instead of understanding how investing really works. In this practical guide, discover how to build your investment portfolio with confidence, avoid common investment traps, and create long-term wealth one step at a time.
Does Your Employer Need Its Own Retirement Fund? A Conversation More Organisations Should Be Having
Should an employer establish its own retirement fund or join an umbrella fund? Drawing from a real retirement fund transition in Lesotho, this article explores the decision from both an employer and employee perspective, showing why governance, communication and member education matter just as much as investment performance.
Why Smart People Still Fall for Investment Scams
Intelligent people don’t fall for investment scams because they lack intelligence. They often fall for hope. In this personal reflection, Tokiso TKay Nthebe explores what losing money taught him about investing, financial behaviour, and why lasting wealth is built through patience, not promises
The Question I Wish More Employees Asked Earlier
Most employees only start asking questions about their retirement fund when retirement is just a few years away. After facilitating two pre-retirement workshops in Lesotho, I realised the biggest regret wasn’t poor investment performance—it was wishing they had understood their pension or provident fund much earlier. Here’s why that conversation matters for every working professional.