C01GSX:HH-001:C01For two Gauteng adults bringing home R30,000 and R20,000 a month, combining households at 25 rather than 35 leaves about R3.972 million more combined household wealth at 75 in the average scenario, in constant 2026 rand. The direct living-cost saving is about R1.059 million. The larger gap comes from investing that earlier saving and from avoiding expensive negative balances.high sensitivity
C02GSX:HH-001:C02Across the manuscript's three scenarios, earlier household combination still leaves the stronger position at 75. The lead is R11.287 million in the best case, R3.972 million in the average case, and R1.882 million in the worst case. In the worst case that lead only narrows two large funding gaps.high sensitivity
