Facing a sudden career change? Discover why the first 90 days after resignation or retrenchment are crucial for your financial future and learn key strategies to secure your long-term financial health.

South African professionals facing sudden career transitions, such as resignation or retrenchment, are at a critical financial crossroads where the first 90 days can determine their long-term financial security.

While this is a “high-risk financial window”, it can also be a great opportunity for recalibration and growth, according to Citadel Advisory Associate Zanele Zungu.

“The first 90 days are critical because it is a period of acute transition and is typically marked with emotional and circumstantial instability,” Zungu said.

“Whether the exit was voluntary or involuntary, one’s emotional state can significantly influence immediate financial behaviour and the actions you take can either create renewed financial security or result in unintended and rapid financial destabilisation.”