A South African story and a step-by-step map

In 2023 I earned R10 000 a month and owed R279 000.

I made my last payment on 24 September 2026. This is the map I wish someone had handed me that night — written for South African rands, South African institutions, South African rules.

Start with The First Page

Get my free one-page debt workbook and save your spot for the launch on Saturday 14 November 2026.

Save my spot
The Debt Millionaire book cover
R10k

Monthly income

R16,086

Monthly obligations

2026

Launch year

Launch RSVP

Save the date: The Debt Millionaire launch

Saturday 14 November 2026 · Midrand, venue confirmed soon · In person or online

Join me for the launch of my book, The Debt Millionaire. You can join us in person in Midrand or watch the online stream from wherever you are.

It’s free to attend. Please RSVP below so we know how many people to plan for. We’ll email you the venue, start time and directions as soon as they’re confirmed.

When you RSVP, you’ll also get my free workbook, The First Page (PDF). If you can’t make the launch, you can still ask for the workbook.

Book prices: paperback R279, ebook R129. Pre-order details are coming soon.

How will you join?

We’ll use your details only for the launch and the book. If you give your mobile number, we’ll only use it for launch-day updates. You can unsubscribe from any email with one click.

Mlinjana Financial Group teaches money skills. We don’t give financial advice or sell financial products.

The book

Debt is not a character flaw. It is a system you can learn to change.

The Debt Ladder in full — five rungs, in order. The complete truth about debt review. And what to build once your debts are paid off. Written for South African rands, institutions and rules.

The truth table: see the whole picture
Debt review: understand the process
The five rungs: rebuild in order
Wealth building: what comes after

What it is not

No shortcuts. No shame. No pretending.

Not a get-rich-quick scheme. Wealth takes time, structure and repetition.

Not personal financial advice. Where you need a registered professional, we will say so.

Not a replacement for debt counselling. It is education to help you ask better questions.

Not a promise that it will be easy. It is a map for the work.

Chuma Afika Mlinjana, author of The Debt Millionaire

Who wrote it

“You cannot beat a thing you will not look at.”

One night after eleven, Chuma sat at the kitchen table and wrote down everything he had to pay each month. The number was R16,086, on a salary of R10,000. Nothing changed that night — but it was the first night he knew exactly what he was fighting.

Chuma Afika Mlinjana · Founder and author

Mlinjana Financial Group is a financial education and coaching practice. Chuma Afika Mlinjana is a financial coach and educator, not a licensed financial advisor. These materials teach how the system works; where your situation needs a registered debt counsellor, licensed advisor or attorney, we will say so.

Get The First Page, free

Questions? mlinjanachuma@gmail.com · Out November 2026