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Woman & Finance

You’re Not Broke You’re Pre-Rich

Book by Mapalo Makhu

If you are a millennial who is trying to figure out how money works, this book is for you. With simple, relatable and sometimes amusing stories about how to manage money on a day-to-day basis, you will learn how to change your mindset about money, get out of debt and stay debt-free, invest your money and, ultimately, live your best life. 

You’re Not Broke, You’re Pre-Rich  will help you, the young professional, to think differently about money, while covering pertinent topics like black tax, savings, budgeting, emergency funds and financial scams, as well as estate and retirement planning (and why you should care right now!). It is the best class you never attended… in a book! 

“I wrote this book because I believe the road to financial freedom is a journey everyone can embark on. I wrote this book with you in mind. You, who perhaps have never been taught anything about how money works. You, who have been too intimidated to pick up and read a book about personal finance because you were too scared of the jargon. You, who want to #getyourmoneyright.
I had you in mind when I wrote this book.”

Mapalo Makhu 

Let's Face It: Schools rarely teach money management, and discussing finances remains a taboo in many households, leaving countless individuals bewildered about personal finance

Are you struggling with  

Feeling overwhelmed

Not sure where to start with managing your finances 

Rising Costs of Living

From rent to groceries, everything seems to be going up, making it harder to keep up. 

Relationships & Money

Navigate money matters with your partner and build a financially secure future can be difficult 

Marital Contracts

Confused about the different marital regimes and how they impact your finances 

Debt Dilemma

Student loans, car payments, lifestyle, store accounts – debt can quickly snowball if we’re not careful. 

Lifestyle Creep

Ballin’ on a budget? How do you enjoy a good life without breaking the bank! 

Introducing Your Financial Freedom Blueprint

Best Seller

You’re Not Broke, You’re Pre-Rich

Not Broke

You're Not Broke, You're Pre-Rich isn't just a book—it's a comprehensive action plan for financial empowerment. Packed with clear steps, practical advice, and real-world examples specifically tailored for South Africans, this guide will equip you with the confidence and knowledge to navigate and thrive in any economic climate.

We cover the following in the book

Black Tax Issues

Supporting loved ones, because family comes first! 


Plan your money like a boss, make every penny count! 

Emergency funds

Life throws curveballs, be ready with a financial safety net! 

Savings and Financial scams

Turn your dreams into reality, one saved rand at a time and protect your hard-earned cash 

Shift Your Money Mindset

Ditch the “broke” story, unlock your “pre-rich” potential! 


Start investing today. Learn about the different investment options available 

Stop feeling lost with all the financial jargon! Grab your copy of You’re Not Broke, You’re Pre-Rich today and start building the future you deserve! 

For a signed copy from the author at R250

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Don’t just take our word for it

I would highly recommend this book to anyone who would like to reevaluate their money issues. This book is easy to read and understand. Because I've always been watching Mapalo Makhu on YouTube, I read this book in her voice and it felt like she was talking to me. If you ever want to learn how to budget, save, invest, tackle black tax... Then this book is for you

Over the years we've had books with title of this kind, but never before have i read such well detailed book. It really touches on every month end's struggle


Good read. It's a great head start to financial freedom. If you are tired of being broke or unhappy financially, I highly recommend this book for you.
Love this book! It's such a great read. I am glad it's written in a way that's understandable for people that know nothing about finances/money. Would definitely recommend to anyone who would like to learn how to start managing their financial life.

This book is one of the best financial books I have ever read. It is easy to comprehend and the recommended methods in the book are easy to use.I love how the author uses people's experiences to give us the reader better understanding of real life situations and how to tackle it. I would definitely recommend it to anyone who is starting out and wants to make good financial decisions


This book is everything, best gift I've given myself. It's very easy to understand and to apply. I highly recommend it. Very insightful and straight to the point. Great even when you already good with money and a game changer when you need to get on track. I cannot put it down. We need such books

This book is aimed at the millennial who is trying to figure out how money works. Simple, relatable and sometimes amusing stories about how we manage money on a day-to-day basis will advise the millennial on how to: change their mindset about money; get out of debt and stay debt free; invest their money; and, ultimately, live their best life.

You’re Not Broke, You’re Pre-Rich will help young professionals think differently about money, while covering pertinent topics like Black Tax, budgeting, emergency funds, savings and financial scams, as well as estate planning and retirement (and why they should care right now!). It is the best class they never attended … in a book!

This Book Is Also Available At

Thousands of South Africans are using “You’re Not Broke, You’re Pre-Rich” to achieve financial freedom. Get your signed copy at only R250 and be part of the journey!

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Most Popular Questions

Get Your Questions Answered

We've got you covered! We offer budgeting workshops and resources to help you prioritize expenses, find savings opportunities, and make your money work harder.

It depends on your individual situation. We recommend creating a budget and analyzing your debt-to-income ratio. Our financial experts can guide you on a personalized strategy. Contact us at info@womanandfinance.co.za for a free consultation

Investing always carries some risk, but it can also be a powerful tool for building wealth. We offer educational resources and workshops to help you understand different investment options and develop a risk-tolerant investment strategy.

Absolutely! The South African government offers various grants and support programs for single mothers. We can help you navigate these resources and explore additional financial planning strategies

Don't worry, you're not alone! Woman & Finance offers a wealth of resources to simplify financial concepts. Start with our free downloadable guides and explore our website for articles, webinars, and workshops

Yes! We offer workshops and resources on financial planning for businesses, including budgeting, securing funding, and managing cash flow. We can also connect you with helpful organizations like the Small Business Development Agency

Absolutely! Women face unique financial challenges, such as the gender pay gap and career breaks for childcare. Our workshops and resources address these issues and provide strategies for women to achieve financial independence.

Planning for retirement is crucial. We offer workshops and resources on retirement planning, helping you calculate your retirement needs, explore investment options, and develop a sustainable plan

Financial scams are unfortunately common. We provide resources to educate you on red flags to watch out for and tips to keep your finances secure.

Woman & Finance fosters a supportive online community. You can connect with like-minded women through our social media platforms and online blogfs and podcasts

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