As a PhD (in training), you face unique money challenges that stem from your low stipend/salary during your years of graduate school and postdoc training. Listen here for the hard-won financial wisdom of your fellow graduate students, postdocs, and PhDs with Real Jobs. From budgeting and frugality to investing and debt repayment, this podcast is your higher education in personal finance.
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Welcome to the Passive Income Pilots Podcast – the show designed to help pilots climb to new levels of financial success. Join Tait Duryea & Ryan Gibson, both airline pilots, business owners and investors, as they interview top experts and share practical knowledge on real estate, tax strategy, passive income and generational wealth. This one-of-a-kind show created specifically for professional pilots offers applicable strategies and tactics for improving your financial life. Whether you're ...
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An archive of each full weekday episode of the award-winning program presented by Stephen Grootes.
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WELCOME TO "A TO Z JOBS" The podcast that helps you figure out the fastest way into a career—no nonsense, no corporate jargon, just real talk. Each episode, we chat with people who’ve been there, done that, and know the shortcuts. What’s the job really like? How do you get started? And is it actually worth it? If you've ever thought, "That sounds cool, but how do I even start?"—you're in the right place. Let’s dive in.
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Bidcorp delivers growth, Curro flat on learners, Tim Akinnusi disrupts home loan market
1:16:16
1:16:16
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1:16:16Stephen Grootes speaks to Curro Holdings CEO Cobus Loubser and Bidcorp CEO Bernard Berson about their companies' interim financial results, strategic focus on operational efficiency and growth, and their commitment to navigating challenges in the private education and foodservice sectors respectively. In other interviews, Tim Akinnusi, co-founder a…
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Treasury takes over pension agency amid R1.2bn scandal; What’s the smart retirement investment?
1:16:27
1:16:27
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1:16:27Stephen Grootes speaks to Sikonathi Mantshantsha, Journalist at News24 Investigations, about the suspension of GPAA CEO Kedibone Madiehe amid allegations of procurement misconduct and the appointment of Job Stadi Mngomezulu as acting CEO to ensure continuity and stability in the administration of government pensions. In other interviews, Warren Ing…
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#124 - $44 Trillion and the Future of Retirement Investing with Mat Sorensen
50:52
50:52
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50:52Tait Duryea and Ryan Gibson welcome Mat Sorensen, CEO of Directed IRA, for a powerful discussion on how pilots and high-income professionals can unlock private investment opportunities through retirement accounts. From self-directed IRAs to Solo Ks, Mat explains the mechanics of rolling over old 401(k)s, navigating recent regulatory changes, and ta…
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Sasol profit, ADvTECH earnings up 16%, and Nduduzo Makhathini on how he makes his money
1:14:47
1:14:47
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1:14:47Stephen Grootes speaks to Sasol CEO Simon Baloyi about the company’s R6.8 billion net income turnaround driven by cost cuts and higher output despite rising carbon credit costs, and to ADvTECH CEO Geoff Whyte about strong interim results marked by growth in revenue, enrolments, and profit, especially in the Rest of Africa and Tertiary divisions. In…
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The Simple Way to Invest as an International Grad Student or Postdoc
53:00
53:00
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53:00In this episode, Emily interviews Hui-Chin Chen, a Certified Financial Planner specializing in advising globally mobile professionals. Hui-Chin is a managing partner and financial advisor with Jade & Cowry, and she is a repeat podcast guest. Her first interview from 2019 is required listening for international graduate students and postdocs prior t…
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The Best Bits of The Money Show: Duolingo’s ride & SA’s money maze
52:52
52:52
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52:52Stephen Grootes spoke with Graeme Codrington on Duolingo’s volatile stock performance; Elize Kruger, Benay Sager, Kevin Lings, and Jacolize Meiring on South Africa’s deepening debt crisis and signs of financial recovery; and Frans Baleni on his career journey and leadership philosophy. The Money Show is a podcast hosted by well-known journalist and…
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SA tourism board axed over governance breach; Mirari Gin luxury gin
35:58
35:58
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35:58Stephen Grootes speaks to Lawson Naidoo, former SA Tourism board member, about Tourism Minister Patricia de Lille’s move to dissolve the very board she had appointed – a decision that has sparked backlash from industry stakeholders, Outa, and the ousted board members. In other interviews, Shanna-Rae, owner and co-founder of Time Anchor Distillery c…
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Exxaro, Spur’s strong results & should SA investors look offshore or stay
1:17:16
1:17:16
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1:17:16Stephen Grootes speaks to Ben Magara, CEO of Exxaro Resources, and Spur Corporation CEO Val Nichas who've both reported strong financial performances, with Exxaro posting an 11% rise in interim profit driven by coal operations, and Spur delivering double-digit growth in headline earnings and revenue, underpinned by expansion and solid restaurant tu…
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SA’s shrinking middle class & ITAC’s steel tariff dilemma
1:16:35
1:16:35
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1:16:35Stephen Grootes speaks to Kevin Lings, Chief Economist at Stanlib Asset Management and Jacolize Meiring, Senior Researcher & Head of the Personal Finance Research Division at The Bureau of Market Research about the severe strain on South Africa's middle class, citing signs such as shifting consumer behavior, rising debt levels, and stagnant income …
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Rand-fixing case tests justice; SA’s finance: savvy saving rises, but debt and job woes persist.
1:17:53
1:17:53
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1:17:53Stephen Grootes speaks to Kokkie Kooyman, Executive Director & Portfolio Manager at Denker Capital, and Harry Scherzer, CEO of Future Forex, about what’s at stake in the Rand price-fixing case, breaking down the Constitutional Court hearing, the banks’ alleged USD/ZAR forex manipulation, and the potential impact on South Africa’s financial regulati…
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#123 - Market Cycles, Debt, and Real Estate Opportunities with Hunter Thompson
49:22
49:22
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49:22Is now the right time to buy real estate or to hold cash? In this episode, Tait Duryea and Ryan Gibson sit down with Hunter Thompson, founder of Asym Capital and host of Cash Flow Connections, to unpack today’s real estate market. They cover cycles, debt structures, the COVID impact, rising interest rates, and why current distress is more about fin…
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Absa, MTN post gains; Thungela dips; Minerals Council says MRD Bill lacks industry input
1:19:04
1:19:04
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1:19:04Stephen Grootes, on The Money Show, speaks to Absa Group CEO Kenny Fihla, MTN Group CEO Ralph Mupita, and Thungela CEO July Ndlovu, unpacking a mixed bag of half-year results—from Absa’s 14% profit rise and MTN’s strong earnings rebound, to Thungela’s sharp 80% profit drop amid weaker coal prices. In other interviews, CEO Mzila Mthenjane, unpacks t…
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The Best Bits of The Money Show: From colour forecasting to the AI apocalypse book
48:20
48:20
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48:20Stephen Grootes profiles a diverse group of thought leaders—from Dr Nimrod Mbele’s strategic leadership in governance, to Lisa Taylor’s pioneering work in colour forecasting, Vincent Anthonyrajah’s insights on market trends, and Bronwyn Williams’ provocative take on surviving the AI revolution—each offering a unique lens on innovation, resilience, …
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Vodacom’s R13bn fibre deal gets court nod; Immersive cinema experience returns to Joburg
39:07
39:07
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39:07Stephen Grootes speaks to Duncan McLeod, Founder and Editor at Techcentral, about Vodacom's acquisition of a 30% stake in Maziv receiving approval from the Competition Appeal Court, marking a significant milestone in the R13 billion fibre merger deal. In other interviews, the SecreEats Events Director for South Africa, Darren Meltz, chats about the…
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Standard Bank profit soars; Truecaller faces SA firms’ POPIA breach, whitelisting allegations
1:18:16
1:18:16
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1:18:16Stephen Grootes speaks to Sim Tshabalala, CEO at Standard Bank about Standard Bank profit at record as fees trump waning loan incomeHeadline earnings up 8% to R23.8bn. In other interviews, Jan Vermeulen, Editor at MyBroadband, discusses the complaints lodged by South African companies accusing Truecaller of breaching POPIA. The Money Show is a podc…
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Exporters win collaboration nod; Court ruling pressures auto repair shops on competition
1:19:04
1:19:04
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1:19:04Stephen Grootes speaks to Prof Jannie Rossouw, head of the Wits School of Economics and Business Sciences, and Siphesihle Nxumalo, director at Baker McKenzie’s Antitrust & Competition Practice Department , about SA exporters getting the green light to join forces under new competition rules. In other interviews, Juan Hanekom, national director of t…
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SA unemployment rate rises to 33.2%, sparking concern over economic recovery
1:13:27
1:13:27
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1:13:27Stephen Grootes speaks to Risenga Maluleke, Statistician General, and Isaah Mhlanga, Chief Economist at Rand Merchant Bank, as South Africa’s unemployment rate edges up to 33.2% in the second quarter. Stats SA’s latest labour force survey shows 19,000 more people are employed at 16.8 million, but the unemployed grew by 140,000 to 8.4 million. In ot…
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#122 - How Pilots Use Whole Life Insurance to Fund Investments with Rod Zabriskie
49:50
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49:50What if your life insurance could help you invest without selling a single asset? Tait Duryea and Ryan Gibson welcome back Rod Zabriskie of Money Insights to demystify how whole life insurance can be used as a wealth-building tool. They break down the differences between term and whole life, how cash value grows, and why this strategy avoids risks …
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Stats SA fine-tunes informal jobs measurement, How I make my money: Lisa Taylor, Colour Analyst
1:18:24
1:18:24
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1:18:24Stephen Grootes speaks to G G Alcock, author of Kasinomic Revolution and Koketso Mano, Senior economist at FNB, about Stats SA’s plan to update its quarterly labour force survey in late 2025 to better measure informal jobs, labour underutilisation and emerging work trends in line with international standards. In other interviews, Lisa Taylor,colour…
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The Best Bits of The Money Show: Ndlovu’s vision & rate cuts explained
51:03
51:03
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51:03Stephen Grootes speaks to July Ndlovu on coal leadership and energy transition, Wendy Knowler on the hidden costs of food delivery, Warren Ingram on smart money moves after the rate cut, and Ian Mann on crisis leadership lessons from McRaven. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explor…
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Balancing the Rand: SARB’s Inflation Fight, Friday File: South Africa’s luxe camping escapes
38:01
38:01
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38:01Stephen Grootes speaks to Freddie Mitchell, Chief Economist at Aluma Capital, about how the South African Reserve Bank balances its dual mandate of maintaining price stability and protecting the value of the Rand, amid the country’s complex international trade environment. In other interviews, Manou Bleumink, Co-founder and Director at AfriCamps Bo…
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SA's Transnet recovery & Agri risks unfold
1:22:17
1:22:17
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1:22:17Stephen Grootes speaks to Thanzi Ramukosi, Investment Specialist in Emerging Market Fixed Income at Ninety One, about Transnet’s recovery and why institutional investors should be paying close attention. With reforms under way and new leadership at the helm, Transnet’s turnaround is shaping up to be a pivotal moment for South Africa’s logistics and…
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S&P flags fiscal risks as ANC hits SARB shift; Shein, Temu boom threatens SA retail jobs
1:20:42
1:20:42
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1:20:42Stephen Grootes speaks to Gina Schoeman, Economist at Citi, and Duma Gqubule, Economist and Research Associate at the Social Policy Initiative, about S&P flagging fiscal risk as the ANC criticises Reserve Bank Governor Lesetja Kganyago’s move to cut the inflation target. In other interviews, Eustace Mashimbye, CEO of Proudly SA talks about a new st…
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JSE H1 profit Jumps 13.2% on market gains; Nedbank posts 6% Rise in half-year earnings
1:20:22
1:20:22
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1:20:22Stephen Grootes is in conversation with Dr Leila Fourie, CEO of the Johannesburg Stock Exchange, unpacking the latest interim results. They explore what the numbers reveal about the health of South Africa’s capital markets, the trends shaping investor sentiment, and how the JSE is navigating a challenging economic landscape marked by subdued listin…
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#121 - Short-Term Rentals, Long-Term Wealth with Pilot Couple Brad Hilton and Aubrey Carlson
54:12
54:12
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54:12What if your first home turned into your first big win? Tait Duryea and Ryan Gibson welcome Brad Hilton and Aubrey Carlson, a powerhouse pilot couple who turned a VA loan into a cash-flowing real estate business. From renovating a dated beach house to designing destination-worthy cabins in Julian, CA, Brad and Aubrey break down how they scaled a sh…
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KPMG SA appoints Joelene Pierce CEO; business leaders respond to new US tariffs
1:21:12
1:21:12
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1:21:12Stephen Grootes speaks to Joelene Pierce, newly appointed CEO of KPMG South Africa, about her vision for the firm as she prepares to take the reins in March 2026 following the retirement of Ignatius Sehoole. In other interviews, Busisiwe Mavuso, CEO of Business Leadership South Africa (BLSA), talks about how the business community is reacting to a …
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The Best Bits of The Money Show: Annabel Vundla’s flight path & Rui Morais on leadership
50:36
50:36
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50:36Stephen Grootes brings listeners a dynamic lineup of conversations—from Captain Annabel Vundla’s inspiring rise in aviation, to a deep dive into Soviet history with Pieter du Toit, a consumer alert with Wendy Knowler, and a profile of Rui Morais’ transformative leadership at Dis-Chem. The Money Show is a podcast hosted by well-known journalist and …
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Adapting to Tariff pressures & Rovos rail: Business Resilience meets the art of slow luxury
38:06
38:06
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38:06Stephen Grootes speaks to Glen Heinrich, Group Head of Strategy, Omnia Group and Shane Naidoo, Global Treasury and Trade Management Services Specialist at Nedbank Commercial Banking, about the potential impact of the 30% US tariff on South African goods, particularly in the agriculture and mining sectors, and how companies like Omnia can navigate t…
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SARB cuts rates, targets 3% Inflation, BASA webinar helps small brewers tap into growth
1:19:12
1:19:12
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1:19:12Stephen Grootes discusses the SARB's 25 basis point repo rate cut with Mpho Molopyane, Chief Economist at Alexforbes Investments and Dr Azar Jammine, Director and Chief economist at Econometrix. In other interviews, Charlene Louw, CEO of the Beer Association of South Africa, chats about the organization's recent Brewing Business Success webinar, wh…
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Rui Morais on Dis-Chem’s healthcare vsion & the fake NCR scam that left victims in debt
1:19:06
1:19:06
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1:19:06Stephen Grootes profiles Rui Morais, CEO of Dis-Chem, exploring his leadership philosophy, career path, and how he’s steering the company’s transformation into a healthcare ecosystem focused on expanding access to primary care and lowering costs. In other interviews, Consumer ninja, Wendy Knowler, unpacks a shocking scam where fraudsters have creat…
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Kumba Iron Ore profit flat despite sales rise; Economic policy shifts impact portfolios
1:17:37
1:17:37
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1:17:37Stephen Grootes speaks to Mpumi Zikalala, CEO of Kumba Iron Ore, about the company’s flat half-year profit despite a 3% rise in sales. She explains the impact of weaker iron ore prices, higher costs, and logistics challenges, and outlines Kumba’s strategy to maintain value in a tough market. In other interviews, Warren Ingram, Co-Founder of Galileo…
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#120 - How to Evaluate Markets, Properties, and Risks in Real Estate with Derrick Harris
1:00:00
1:00:00
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1:00:00What separates a solid real estate deal from a costly mistake? In this episode, hosts Tait Duryea and Ryan Gibson welcome Derrick Harris, SVP at Spartan Investment Group, to walk us through the real-world process of evaluating markets, properties, and operational risks. With a portfolio that spans millions of square feet, Derrick shares what works,…
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Transnet gets R94.8bn over 5 years, reimagine South Africa’s industrial future
1:22:04
1:22:04
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1:22:04Stephen Grootes speaks to Dr Nimrod Mbele, MD at Knowledge Anchor Group, about the government's approval of R94.8 billion in guarantee support for Transnet, aimed at mitigating the state-owned utility's debt burden and supporting its capital investment program, amid concerns over its financial sustainability and potential credit rating downgrades. …
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Campus Resources to Improve Your Finances
33:32
33:32
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33:32In this episode, Emily shares the microinterviews she recorded at three conferences this year. The conference attendees, all of whom either work at universities or have PhDs themselves, responded to this prompt: “What resource on your campus could graduate students and postdocs access to benefit their finances?” You’ll hear the responses in order f…
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Travel Curator: Your Passport to Authentic, Unapologetic Queer Travel
25:21
25:21
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25:21🎧 Inside the Invisible Queer Travel Struggle What safety considerations do LGBTQ+ travelers face that straight travelers never think about? In this episode, we pull back the curtain on the unspoken challenges of queer travel - from decoding hotel safety to handling public spaces. Join [Your Name/Podcast Name] as we explore: • The "passport closet" …
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Best Bits of The Money Show: Two-pot troubles and Mbali Nhlapo's clean brand
52:41
52:41
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52:41Stephen Grootes profiles Kurt Ackermann on urban food systems and sustainability, speaks to Mbali Nhlapo about her rise as a cleaning influencer, discusses business strategy with Ian Mann through the book 'Distinguishers' by Sandra Vandermerwe, and explores retirement risks with John Manyike on South Africa’s Two-Pot System. The Money Show is a pod…
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Tackling FMD in livestock and the luxury of high-end watches
35:21
35:21
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35:21Stephen Grootes speaks with Dipepeneneng Serage, Deputy Director-General: Agricultural Production, Biosecurity and Natural Resources Management about the Foot-and-Mouth Disease (FMD) Indaba,which brought together industry stakeholders and experts to develop sustainable solutions to combat FMD and strengthen South Africa's biosecurity systems, ultim…
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GEPF invests in SA's future, Treasury revamps budget
1:11:07
1:11:07
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1:11:07Stephen Grootes speaks to Frans Baleni, Chairperson of the Government Employees Pension Fund, about how the GEPF is powering ahead with billions in strategic investments to drive growth and long-term value for its members. In other interviews, Independent political analyst Khaya Sithole speaks to Stephen Grootes about National Treasury’s fresh appr…
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JSE All Share smashes 100,000 mark as civil society slams labour law changes
1:16:39
1:16:39
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1:16:39Stephen Grootes sits down with Dr Leila Fourie, CEO of the JSE, to unpack the significance of the all share index breaking through the historic 100,000-point mark. They explore what this milestone means for investor confidence, the health of South Africa’s capital markets, and how it reflects broader economic trends both locally and globally. David…
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Reserve Bank eyes payments reform; Telecom fraud costs SA R5.3 Billion
1:17:56
1:17:56
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1:17:56Stephen Grootes speaks to Kokkie Kooyman, Executive Director and Portfolio Manager at Denker Capital, about upcoming reforms to South Africa’s payments system as the South African Reserve Bank prepares draft legislation. In other interviews, Adv. Thokozani Mvelase, CEO of the Communication Risk Information Centre (COMRiC), chats about the alarming …
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MAS-Hyprop deal under fire and Mbali Nhlapo’s journey from housekeeper to influencer
1:20:04
1:20:04
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1:20:04Stephen Grootes speaks to Martin Slabbert, CEO of Prime Kapital, about the brewing battle for control of MAS and Micahel Avery, financial journalist with Business Day analyses the saga. In other interviews, Mbali Nhlapo, the renowned housekeeper and cleaning influencer chats about her practical cleaning tips and professional services and how she tr…
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Best Bits of The Money Show: Trump’s trade tactics, fine wines, luxury designer jewellery
50:04
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50:04Stephen Grootes interviews Mike Ratcliffe, co-founder of Vilafonté and chair of Wine Business Advisors, about his journey from sailing to winemaking and the entrepreneurial and leadership lessons he’s learned; chats with Bronwyn Williams, a future finance specialist, about Eliza Filby’s book Inheritocracy and the societal impact of intergenerationa…
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SAA faces losses again; Why inflation targeting is shifting to 3%
40:35
40:35
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40:35Stephen Grootes speaks to Phutego Mojapele, Aviation Expert about South African Airways slipping back into a loss, driven by surging fuel prices and rising aircraft leasing costs. The airline, which had shown signs of recovery, now faces renewed financial pressures that could impact its turnaround strategy. In other interviews, Casey Sprake, Econom…
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Treasury & SARB’s global agenda; Trump, Apple & SA: A shared trade thread
1:17:00
1:17:00
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1:17:00Stephen Grootes speaks to Duncan Pieterse, Director-General of the National Treasury and Rashad Cassim, Deputy Governor at SARB about the G20 Finance Track meetings being hosted by the Treasury and South African Reserve Bank (SARB) in Durban, discussing key issues like the global economic outlook and debt sustainability for low-income countries. In…
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#119 - LLCs, Trusts, and Bulletproof Asset Protection with Adam Kintigh
53:43
53:43
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53:43What if your rental property is a lawsuit away from costing you everything? Tait Duryea connects with asset protection expert Adam Kintigh of Nevada Corporate Headquarters to break down what every investor should know about shielding wealth. From piercing the corporate veil to choosing between LLCs and real estate privacy trusts, this episode cover…
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1
Transnet court win: Impact on logistics and trade
1:20:10
1:20:10
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1:20:10Stephen Grootes speaks to Michael Merchant, key investigator from Open Secrets, about Transnet's recent court victory to stop a Chinese train supplier from selling parts, seeking insights into the backstory behind this development and its potential implications for Transnet's operations, logistics in South Africa, and the broader context of interna…
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ArcelorMittal SA closure talks stall and SA beef prices show signs of easing
1:22:11
1:22:11
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1:22:11Stephen Grootes speaks to Dr. Saul Levin, Executive Director of Trade & Industrial Policy Strategies about ArcelorMittal South Africa's struggle to avoid plant closure, with the government in "firefighting mode" to save 3,500 jobs, as limited progress is made in addressing structural issues like high electricity tariffs and poor freight logistics. …
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Trump tariffs slash auto exports, EU-US deal could sink SA boat industry
1:18:32
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1:18:32Stephen Grootes speaks to Dr. Paulina Mamogobo, Chief Economist at NAAMSA, about the devastating impact of US tariffs on South African car exports, which have plummeted 82% in the first half of 2025, warning of a "socio-economic crisis in the making" and potential job losses in the automotive sector. In other interviews, Vanessa Davidson, Executive…
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1
How to Financially Manage Lump Sum Fellowship Income
50:18
50:18
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50:18In this mostly solo episode, Emily shares how to manage lump sum fellowship income with respect to your budget, cash flow, and bank account structure. Grad students and postdocs struggle to manage their money when they are paid less frequently than monthly, such as once per term or once per year. This lump sum income occurs for some fellowship reci…
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The Best Bits of The Money Show: The enigma of Elon Musk, art sales, and cellphone contract traps
52:00
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52:00Stephen Grootes speaks to Faiz Siddiqui about his book Hubris Maximus: The Shattering of Elon Musk; to Susie Goodman, Executive Director of Strauss & Co, on her leadership in expanding Africa’s top art auction house globally; to consumer expert Wendy Knowler about the hidden costs and penalties of cellphone contracts; and to Johann Kotzé, CEO of Ag…
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