Here are 5 things only rich South Africans seem to know. Whether you’re trying to build wealth or grow your business, these aren’t secrets... Number 3 is what helped me a lot. Starting with number 5 is that rich people use debt to get richer. While everyone else is scared of loans, wealthy South Africans borrow money at low interest rates to buy things that make more money after the interest is paid. For example, a business loans to expand when the return of expansion is higher than the interest