Looking back on my journey – from homelessness to scholarship, street trader to scholar – I’m filled with gratitude for those who generously shared what they had with me. Whether it was encouragement, opportunity or knowledge, each quietly redirected my path in ways I (and probably they) couldn’t have imagined.
I think of Kwaku, a teacher from Ghana I met on the streets of Johannesburg, whose prayers and patience reminded me not to give up. I think of Ma Evelyn, who did more than offer me work – she helped me set up my own fruit and vegetable stall, giving me both an income and renewed hope. And I think of Mrs Zimmerman, whom I met at the library, who introduced me to the world of universities and bursaries, encouraging me to apply to Wits.
Today, I try to do the same. As a financial wellness expert, I find myself answering the same questions about money time and again. It made me wonder: how could I make trusted financial guidance accessible to more South Africans?
So I built Dr Mags’ AI.
An AI assistant that draws on my real-world experience and research-backed knowledge to provide practical answers to your questions on life, work and finance.
Not to replace professional financial advice, but to make basic financial information more readily available. Because I know first-hand how far the right piece of advice can go.
Based on the questions I’m asked most often, here are my top financial wellness tips:
1. Remember that financial wellness is about more than money.
It’s about reducing financial stress so you can think clearly, sleep better, build stronger relationships and live a more fulfilling life.
2. Understand your relationship with money.
The best financial decisions aren’t just logical – they’re behavioural. Take time to understand the beliefs, habits and emotions that shape your money choices.
3. Focus on habits, not quick fixes.
Small, consistent actions – spending intentionally, saving regularly, borrowing wisely and planning ahead – create lasting financial confidence.
4. Aim for financial control before financial wealth.
You don’t need to be wealthy to feel more secure. Gaining control over your finances is often the first step towards peace of mind.
5. Make your money serve your purpose.
Money is a tool, not the goal. Use it to support the life you want to live, the people you love and the difference you want to make.
These are just a few of the conversations I have every day. If you’d like practical answers to your own financial questions, Dr Mags’ AI is here to help.
Go on, give it a try.