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Nobody wants to think about dying. But not having a will? That's a decision that affects everyone you leave behind. In this conversation, I sit down with Maxine Muller, a Trusted Financial Adviser at Liberty, to talk about everything you need to know about wills — and why so many of us keep putting it off. We cover: →  What actually happens to your assets if you die without a will, leaving behind a spouse and children →  Why so many people start drafting a will but never finish — and why an incomplete will has no legal standing →  The most common myths and misconceptions about wills (and the truth behind them) →  Whether a will is something you can set and forget, or whether it needs to be reviewed over time →  The legal technicalities involved in drafting a valid will September is National Wills Month in South Africa — which means now is the perfect time to have this conversation. If you've been putting off drafting your will, let this be the nudge you needed. The people you love deserve to be protected — even when you're no longer here to do it yourself. 🔗 Create your will with Liberty:  https://www.liberty.co.za/create-a-will?cid=SM_1X1egA Maxine Muller's Details:  [email protected] #WillsMonth #EstatePlanning #PersonalFinance #WomanAndFinance #MapaloMakhu #Liberty #FinancialPlanning #SouthAfricanFinance

What could change if you stopped standing in your own way? In this special Women’s Month conversation, I sit down with Cheree Dyers, CEO of Prescient Investment Management to explore the woman and the journey behind the title. We speak about her early dreams, building a career in investment management, navigating bias and imposter syndrome, and learning to back herself—even when she did not feel completely ready. Cheree also shares what investing in yourself looks like beyond qualifications, how she defines wealth and why building investments in your own name can create possibilities for you and future generations. This conversation is a reminder that growing boldly does not mean having no fear. Sometimes, it means trusting yourself enough to take the next step. #growboldly

Just like Maslow's hierarchy of needs, your finances have levels too! In this video, I break down my Hierarchy of Financial Needs, a 7-level framework that shows exactly where to focus your money and in what order. Whether you're just starting out or already investing, this will help you figure out where you are — and what your next move should be. The 7 Levels: Psychology of Money — your relationship with money comes first Emergency Fund — your financial safety net Insurance — protecting what you've built Paying Off Debt — clearing the way to build wealth Savings & Investments — putting your money to work Retirement Planning — your future self will thank you Estate Planning — protecting your legacy You'll learn: Why you can't skip levels and what happens when you do How to know which level you're currently on What to do at each stage The mistakes most people make by jumping ahead Start at the bottom. Build to the top. Take the Money Story Questionnaire here: https://www.womanandfinance.co.za/resources Estate Planning Video: https://youtu.be/FJ4181b7fSY?si=BUYYtv2C95CJMWoN

If you're in your 50s or you have a parent who is and you're wondering whether it's too late to open a Tax-Free Savings Account, this episode is for you. A 55-year-old listener sent in a question asking whether a TFSA is still worth opening at their age. I ran the numbers, and honestly? The results might surprise you. Whether you can put away the full R46,000 a year or just R10,000, ten years of consistent, tax-free growth still adds up to something seriously worth having. It is not too late — and by the end of this episode, you'll know exactly why. #PersonalFinance #WomanAndMoney #LivingBelowYourMeans #MoneyMindset #WealthBuilding #FinancialFreedom #SouthAfrica #MoneyTips #investing

Are you torn between paying extra on your debt or starting an emergency fund? You're not alone! This is one of the most common financial dilemmas, and in today's video, I'm breaking down exactly what you should prioritise based on your situation. What You'll Learn: ✅ When to prioritise debt payments ✅ Why an emergency fund might be more important than you think ✅ The "hybrid approach" that could work for both goals ✅ Common mistakes people make with this decision Key Topics Covered: 00:00 - Intro 00:27 - Should I pay off my debt or build an emergency fund 00:46 - Scenario (Debts & Interest Rates) 06:27 - High-interest debt vs low-interest debt strategies 08:15 - Where should you put your Emergency fund 09:50 - Free Credit template 10:55 - Free TFSA Ebook FREE RESOURCES: 📋 Download my Credit Template: https://www.womanandfinance.co.za/resources 📖 NEW! Tax-Free Savings Account eBook: https://www.womanandfinance.co.za/resources 🙌🏾 Let me know in the comments - are you team emergency fund or team debt payoff? Don't forget to LIKE this video if it helped you and SUBSCRIBE for more practical money advice! Watch our second episode of Money: It's Not Black or White here: https://www.youtube.com/watch?v=MHl9ZFvExnI&t=30s

🌍 Global News, Rising Costs & Your Money | What South Africans Should Be Doing Right Now In this episode, I break down what’s happening in global current affairs — from ongoing wars to rising fuel prices — and what it actually means for you as a South African. Because let’s be honest: when global events shift, your wallet feels it. From petrol price increases to the rising cost of living, I explain how these global changes impact your day-to-day finances — and more importantly, what you should be doing about it. 💡 In this video, we cover: 1. How global conflicts affect fuel prices in South Africa 2. The ripple effect on inflation and your cost of living 3. Why having an emergency fund is no longer optional 4. Manage and reduce debt 5. How to start investing (even with small amounts) 6. How to stay financially grounded during uncertain times This is your reminder: you may not control what’s happening globally, but you can control how you respond financially. 🎥 Watch next: Money, funerals & financial planning with Maya Fisher-French 👉 https://www.youtube.com/watch?v=O44tjRlmo7A&t=1s 📘 FREE TFSA Guide (Easy-to-understand eBook): 👉 https://56766b36-3b03-41db-9dee-6adc26e688e5.filesusr.com/ugd/444739_a954e18eb76b4d0fa6ab6c70e3b50022.pdf

Building wealth isn’t just about how much you earn, it’s about how you choose to live. In this episode, I’m breaking down the 9 ways I intentionally keep my lifestyle in check: 1. I don’t buy designer clothes or bags 2. My kids don’t wear designer brands either 3. My car is paid off (and I’m not rushing to upgrade) 4. We rent for now — and won’t buy at the top of our affordability when we do buy the house 5. I keep my gym contract basic 6. I keep my lifestyle simple even when income increases 7. I know how to say NO! 8. I keep my debit orders low 9. I use my business strategically These aren’t sacrifices, they’re CHOICES that create freedom, flexibility, and long-term wealth for me and my family Because just because you can afford it… doesn’t mean you should! Listen to the full episode to understand the mindset behind each one. #PersonalFinance #Womanandmoney #LivingBelowYourMeans #MoneyMindset #WealthBuilding #FinancialFreedom #SouthAfrica #MoneyTips

Tribe, your money habits didn’t just appear out of nowhere! They were built in your childhood home; in the conversations, the struggles, the wins, and the fears you grew up around. In this video, I tell the story of two young men who grew up with financial hardship… but made very different money choices as adults. Because before we change our finances, we have to understand our money story. Watch this and reflect: What money vow did you make growing up? Don’t forget to like, share, and subscribe for more honest conversations about money, mindset, and life.

In this episode, I break down how banks think about affordability, how interest rates impact your bond, and why your monthly repayment matters just as much as the purchase price. I will walk you step-by-step through real online home loan calculators and repayment calculators so you can see, in practice, how the interest rates impact your long-term finances. You’ll learn: How interest rates affect your bond over time How to use home loan calculators with confidence Whether you’re a first-time buyer or just planning for the future, this video will help you buy smarter. Resources: https://www.ooba.co.za/home-loan/calculators/ and https://www.property24.com/calculators/bond If this was helpful, don’t forget to like, comment and subscribe for more money conversations!

Tax-Free Savings Accounts are one of the most powerful (and misunderstood) investment tool in South Africa, so in this podcast, I’m answering the questions I get asked all the time about TFSAs. We cover: • What a Tax-Free Savings Account actually is • How much you can contribute (and what happens if you go over) • Whether a TFSA is a savings account or an investment • When you should (and shouldn’t) withdraw your money • Common TFSA mistakes that can cost you in the long run • How to use a TFSA for long-term wealth, not short-term stress If you’ve ever wondered whether a TFSA is worth it, how to start, or if you’ve already “messed it up” — this is for you.

What does a real investment portfolio look like? In this video, I open up about what I actually invest in, how my thinking has evolved over time, and why financial security is about more than just returns. I’d love to hear: what’s the first investment you ever made?

In South Africa, less than 15% of people die with a valid will — and that means the State decides what happens to everything you’ve worked for. In this episode, Moremadi Mabule joins me to break down wills, trusts, marriage contracts, and how to protect your family from financial chaos when you’re gone. We cover: ⚖️ What happens when you die without a will (intestate) 👩🏾‍❤️‍👨🏾 How marital contracts affect inheritance 👶🏾 Protecting your children’s inheritance through trusts and beneficiary funds 💰 Liquidity, debts, and the real cost of dying unprepared 🗂️ Why you need a “Life File” — and what to include 🎧 Listen. Learn. Put a plan in place. #YouDontDieForFree #EstatePlanning  #WomanAndFinance

Episode 10 After six impactful months, we wrap up the Santam Insure Your Future Money Bootcamp with powerful stories that show just how much life can change when you take control of your finances. In this final episode, we reflect on the lessons and breakthroughs our participants experienced — from paying off debt and getting promoted, to learning how to read their provident fund statement, to making their first investment confidently, to finally feeling at peace with their money. It’s proof that when you take charge, your money starts working for you. Here’s what you’ll take away: • How structure and intentional planning create space for financial growth • Overcoming the fears and limiting beliefs that hold you back • Setting healthy financial boundaries with family and loved ones • The long-term power of small, consistent money decisions • How to enjoy your money and still build towards financial freedom Our participants’ stories remind us that real change is possible for anyone willing to take that first step. Many have become debt-free, built emergency savings, inspired their families to do the same, and even advanced in their careers after gaining financial stability. The big lesson? Financial freedom isn’t just about numbers — it’s about mindset and building habits that create lasting results. If you’re ready to shift your money story, start with this episode — or listen to the full Money Bootcamp series. It’s your roadmap to financial wellness. #SantamInsureYourFuture #Moneybootcamp #PersonalFinance #Wealth

Episode 9 Can you really afford to retire before 80??? In this week’s Money Bootcamp, my co-host Maya Fisher-French and I unpack the  reality that most South Africans can only afford to retire comfortably at 80 — if at all. We break down what it really takes to retire by 65, why so many fall short, and how to turn things around — from saving earlier and smarter, to building multiple income streams and planning for a longer life.  It’s not all doom and gloom — there’s still hope if you start now! 💡 You’ll learn: • What replacement ratio really means and why it matters • Why budgeting and tracking your expenses is key to retiring comfortably • Simple strategies to grow your retirement savings • How lifestyle creep can sabotage your long-term plans • The biggest myths about retirement and what to do instead #MoneyBootcamp #WomanAndFinance #SantamInsureYourFuture #RetirementPlanning #FinancialFreedom

Episode 8 ✨ What if your money could double without you lifting a finger? That’s the power of compound growth — one of the simplest, yet most powerful ways to build long-term wealth. 🌱💰 In this episode of the Santam Insure Your Future Money Bootcamp, Maya and I unpack the Rule of 72, explain how compounding really works, and share why staying invested is the ultimate game-changer for your financial future. Using real market insights, they highlight practical strategies to help you grow consistently and avoid costly mistakes. You’ll learn: ✅ How the Rule of 72 shows when your money will double ✅ Why patience pays when compounding is at work ✅ The dangers of withdrawing investments too early ✅ How inflation affects your real returns ✅ The benefits of tax-free savings accounts Whether you’re just starting your investment journey or want to sharpen your strategy, this episode gives you the tools to make your money work harder for you. #MoneyBootcamp #WomanAndFinance #Podcast #PersonalFinance #SantamInsureYourFutureMoneyBootcamp