SPONSORED – In Johannesburg, two families, the Gumedes and the Smiths’, are navigating the joys and challenges of raising young children. Both families are committed to building a stable future, but they’ve taken very different approaches to retirement planning.The Gumedes: Planning for Tomorrow, TodayDespite having financial constraints, Thabo and Lerato Gumede recognised the importance of retirement planning early on. With two children, school fees, and other living expenses, they knew saving wouldn’t be easy, but they believed in starting small. Their financial adviser helped them…