[LISTEN] How you can get out of debt

Author Dr Daleen Smal gives tips on how to gain the cash flow you need to invest in yourself and reach your financial goals.

JOHANNESBURG - Author Dr Daleen Smal says life is very simple.

"We prefer to make life complicated. You have to spend less and earn more."

Smal says people suffer from instant gratification and the interest paid on debt is stopping people from creating wealth.

Listen to the audio above for more.

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