In the first of its Money Smart Week South Africa 2026 articles, the FW de Klerk Foundation confronts a difficult truth: You cannot budget an income you do not have. Against the backdrop of a 47,4% youth unemployment rate, the article examines the real costs of finding work, building a side hustle and managing a first salary. It argues that genuine financial empowerment requires not only personal discipline, but also fair markets, capable government and wider access to economic opportunity.