Unless your parents were masters of their personal finances and invested time and energy imparting their knowledge to you, you've probably learnt to manage your money by trial and error. Experience can be a brutal teacher. What if you could glean money lessons from people at the top of their game when it comes to managing money? If you've just started your working life, you can set yourself up to succeed by establishing some good money habits now. Delphine Govender, the chief investment officer at Perpetua, says she wishes she had truly understood the "almost miraculous" power of compounding when she was younger - especially investing in good-quality businesses and then letting time do the rest. "My advice to my younger self would be: take time to decide what to invest in, but once you do invest, just let it be. The outcome will almost always be a pleasant, even life-changing, 'surprise'!" Govender says she learnt from her parents to live within her means. "However, my parents' fina...

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