We had a great time with the Sanlam staff on the 28 of March 2023 at Rustenburg, North West of RSA. We were talking about a very interesting topic : Managing Debt. We had some heated debates and fruitful discussions. I also learnt a lot from them I must say. The purpose was to share and show them what we do in our communities as far as financial skills training progamme is concerned. We agreed that Debt can be useful financial tool. It can help you buy a car or home. If you use credit cards, there can be added benefits like travel points or extended warranties. But, if you have too much debt, it can limit your financial options. Participation was great with lots of insight. We concluded by saying that Debt can either help or hurt your financial future, depending on how you use it. If you borrow money wisely, debt can be a valuable tool that helps you manage expenses over a period of time. But if you use debt carelessly, it can threaten your financial future. At the end of the session all participants were awarded with a certificate.