If you’re a parent juggling career, family, and a growing sense of financial unease, you’re not alone.

The world economy isn’t exactly inspiring confidence right now — and for South Africans trying to plan ahead, the uncertainty can feel overwhelming. From a growth rate crawling at just 0.6% last year, to a postponed national budget and ongoing political shake-ups, it’s tough to know where to turn.

But on HOT Business with Jeremy Maggs and MoneyWeb, financial expert Mark Phillips from PPS Investments offered some straight talk — and a bit of hope.

Yes, times are tough. But no, all is not lost.

According to Phillips, South Africa is holding the line — not thriving, but staying steady in some key areas. Inflation is easing. Bonds are offering healthy returns. And if commodity exports continue to perform, we could even see modest growth of 1.6% this year. Not exactly fireworks — but in this climate, that’s something.

So what does this mean for you, the investor, the mom, the planner trying to make smart financial choices?

It means staying calm, not reactive. Diversifying your portfolio. Keeping some cash on hand — both locally and offshore — so you’re ready for whatever happens next. And perhaps most importantly, working with financial advisors or asset managers who are nimble enough to adapt as the world changes.

There’s no denying the risks: trade wars, a potentially disruptive U.S. election, and local political uncertainty all hang in the air. But as Phillips puts it, the worst move right now is panic. There’s still value in local equities, particularly in strong sectors like gold and commodities. And while global markets feel expensive, staying invested — smartly — still beats sitting on the sidelines.

For South African families looking to protect their future, the message is clear: stay informed, stay balanced, and stay patient.