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Everyone says the lump sum will save them. But by retirement most government employees still have a bond, school fees, kids in university, unemployed adult children and grandchildren to support. The gratuity is spoken for before it can work for you. Part 4 of 5 with Zola Ngqisha of Siyolise BlueStar. Catch Parts 1 to 3 first. The finale brings it all together with what to do, starting now. Educational content only, not financial advice. #retirement #gepf #retirementplanning #financialadvisor #FinancialPlanning