INSTEAD OF WATCHING AN HOUR OF NETFLIX TONIGHT.
This 1 hour Stanford lecture by Joel Peterson will teach you more about negotiation and getting what you want than most people learn in years.
Bookmark it and give it an hour, no matter what.
R46,000/year (TFSA max)
× 10 years
= R460,000 contributed (almost your full R500k lifetime limit)
Now stop. Don't add another rand.
Same Satrix S&P 500
10% annual growth
× 20 more years untouched
= R4,900,000
You put in R460k. The taxman gets R0. You walk away with R4.9 million