Our expert says:
This is such an important question and one that is far too complex to answer in this forum. I strongly advise that you get hold of a financial planner and speak to him/her about this. Make it clear that you want to pay them for their advice/time and that you do not want to buy any products from them (for now - that might come later but it is not what is important now). You need to work through the different scenarios and also to consider the tax implications as well as the emotional benefit of being around/with your kids at this time. You can find a financial planner through the Financial Planning Institue of South Africa - or drop me an email and I will point you in the right direction (you can find me on google or via thefinancialcoach.co.za) .
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