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People see a R100k salary in South Africa and immediately think someone is “rich.” 🇿🇦
But nobody talks about how aggressively the system taxes and drains working people from every angle.
Before you even touch your salary:
• PAYE already takes a massive cut
• UIF deductions
• Retirement and medical aid deductions
Then real life starts:
• Fuel levies every time you drive
• VAT on almost everything you buy
• Hidden taxes inside electricity, airtime, data, insurance, banking fees, and municipal costs
• Interest and investment taxes later on
• Inflation silently reducing your buying power every year
A R100k salary can realistically become around R68k–R72k after direct deductions.
Then comes rent or bond.
Fuel.
Groceries.
School fees.
Debt.
Electricity.
Insurance.
Supporting family.
Unexpected emergencies.
And after all the indirect taxes and survival costs, the actual “free” money left can realistically feel closer to R15k–R25k in true spending power depending on responsibilities and dependents.
That means more than half of what you earned disappears into deductions, taxes, survival costs and a system that keeps getting more expensive while salaries struggle to keep up.
When are we finally going to talk about the real issues South Africans face every single day?
Another loan is not the solution.
Betway is not the solution.
Mashonisas are not the solution.
People are surviving on overdrafts, salary advances, loan apps and borrowed money just to make it to month end.
Wake up.
Work.
Get taxed.
Pay debt.
Stress.
Repeat.
South Africans are not just tired anymore.
A lot of working people feel financially trapped.
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