Finance & Running Journey

TRACKING
RANDS
& KM'S.

An honest, journal of one South African's path to financial freedom — built on ETFs, dividends, discipline, and kilometres logged one step at a time.

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"The most important investment you can make is in yourself — and then in your future."

💹
JSE ETF Investing
Building wealth through passive index funds
💰
Dividend Income
Tracking passive income month by month
🏃
Running
The discipline that carries into everything
🇿🇦
SA Focused
TFSA, SARS, EasyEquities & the JSE

THE JOURNEY
STARTS HERE

I'm a South African blogger documenting two parallel journeys: building financial freedom through ETFs and dividend investing, and pushing my limits on the road as a runner.

This isn't a get-rich-quick account. There are no shortcuts here. Just consistency, transparency, and the compound effect — applied to both rands and kilometres.

Every month I publish my real passive income numbers. Every run gets logged. The wins and the slow months — all of it is here. Because that's what a real journey looks like.

I started this with almost nothing. If you're a beginner SA investor wondering where to start, or a runner just building a habit — this account is for you.

FROM THE BLOG

USE YOUR TFSA FIRST — SA'S MOST OVERLOOKED ACCOUNT

R46,000 a year. Zero tax on growth. Zero tax on dividends. If you're a South African investor not using your TFSA, you're leaving money on the table every single year.

WHAT IS AN ETF? A BEGINNER'S GUIDE

You keep hearing the word ETF but nobody explains it simply. Here's everything you need to know — no jargon, no fluff.

WHY I STARTED TRACKING MY DIVIDENDS

The personal story behind why I started tracking dividends — and the north star goal driving every investment decision I make.

I BUILT A DIVIDEND TRACKER. HERE'S WHAT IT SHOWED ME.

I thought I had a decent handle on my dividend income. The tracker proved me wrong — in the best possible way.

HOW TO BUILD A MONTHLY DIVIDEND INCOME CALENDAR

Getting paid every month from your investments is possible on the JSE — but it requires deliberate choices, not luck.

WHY I RUN — AND WHAT IT HAS TO DO WITH MONEY.

People look at me strangely when I say running and investing are the same thing. But the longer I do both, the more convinced I am that they're built from identical material.

WHAT IS COMPOUND INTEREST AND HOW DOES IT GROW YOUR MONEY?

The most powerful force in investing — and most people don't fully understand it. Here's how it works and why starting early changes everything.

MILES LOGGED,
LESSONS EARNED.

43km
Personal Best Distance
5:58:32
Fastest Marathon
Reasons to Keep Going
1
Step at a Time
Running × Finance

Both require showing up consistently even when the results aren't visible. In running, that's base fitness. In investing, that's compound growth. Neither rewards impatience.

MY RUNNING PHILOSOPHY
01
Consistency over intensity. A slow run you complete beats a fast run you quit. Same goes for investing.
02
Track everything. What gets measured gets improved — your pace, your rands, your habits.
03
Rest is part of the plan. Recovery isn't weakness. In investing, holding through volatility is the same discipline.
04
The goal is the journey. There's no finish line for financial freedom, just like there's no last run. Keep moving.
05
Enjoy the movement. The joy of running — of being alive and in motion — is its own reward.
Join the Journey

FOLLOW
THE GRIND.

Monthly income updates. Honest finance tips. Running milestones. All of it, documented in real time on Instagram.

@txa_maxeleng_le_kagiso Read the Blog
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