As South Africans, our experience with money is probably as diverse as our population. There are significant gaps in understanding basic financial concepts. Hollard empower people to live with confidence, go after their goals and believe they can build a better life. For example, how can you save for retirement properly, if you don’t know how much you need? Hollards programme helps with Freeing up disposable income to save and invest for short-, medium- and long-term goals. Starting small, with the creation of an emergency fund, for example, can minimise one’s risk of future debt and help lead to long-term financial freedom. We as facilitators we encourage participants to take control and personal responsibility for upskilling yourself on the basic principles of finances. This includes self-reading, research and asking questions. We hope to touch more lives with this programme but we know as well the difficulties of people committing and actually coming to this training opportunities is a struggle. But we work with those who have the boldness to attend and hope to encourage the other to take up this opportunity.