Over the past year, I’ve been battling to stick to my financial plan and also experienced unforeseen costs during the holidays. Previously, I could save a bit of money each month, but I’m now unable to save anything as I’m still paying back the extra costs. What’s the best thing to do and how can I get back on track? Name withheld I am a 34-year-old and would like to start my investment journey this year. What is the best investment strategy to pick? Name withheld Individualised investment journey/strategy suggested: Name withheld

Should I take an early retirement?

After 40 years in my career, I am thinking about taking early retirement this year after suffering a health setback recently. Will I be able to access my retirement savings, or should I rather continue working, even if I can only manage reduced hours?

Name withheld Chrisley Botha, Wealth Adviser at PSG Wealth responds: As you consider early retirement after 40 years in your career, weighed against recent health issues, it’s vital to thoroughly evaluate your financial readiness and the lasting effects of this choice.In terms of legislation, retiring from a pension fund allows a maximum of one-third of your benefits as cash, with the rest buying an annuity for a steady