Luthando has been living with her partner for five years and they love each other.
They have two children and he wants to marry her.
The problem is he doesn’t have money and feels that even if he starts saving now, by the time they get married one of their children will be finishing varsity and they will be getting ready for retirement.
Luthando has been saving for years on her emergency fund and find herself tempted to help him pay lobola.