The Woman & Finance Podcast
- Épisodes
- 58
- Parution
- toutes les deux semaines
- Dernier épisode
- 22 Sep 2026
À propos du podcast
Hi, I’m Mapalo Makhu, your host, personal finance educator, and author of You're Not Broke, You're Pre-Rich. I hold a BCom Finance degree, a Postgraduate Diploma in Financial Planning and a Postgraduate Diploma in Investment Planning, with over 10 years of experience in the financial services industry. More importantly, I’m deeply passionate about empowering women to take charge of their financial futures.
This podcast is a judgment-free space for open and insightful conversations about money—without the confusing jargon. Whether you’re looking to budget more effectively, get out of debt, start investing, or build lasting wealth, this is the place for you.
Each episode brings you practical advice, expert insights, and real conversations designed to help you make informed financial decisions with confidence. Because financial freedom isn’t just for a select few—it’s for everyone ready to take control.
If you’re on a journey to financial wellness, hit follow and be part of a community committed to building wealth and securing their futures.
Let’s learn, grow and thrive—together.
Épisodes 58
The Document Most South Africans Die Without (And Why It Matters)
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 …
Notes de l’épisode
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 #SouthAfricanFinanceGet Out of Your Own Way: Cheree Dyers on Career, Wealth & Growing Boldly!
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 …
Notes de l’épisode
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.
#growboldlyThe Right Order To Build Financial Security
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 …
Notes de l’épisode
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/resourcesEstate Planning Video:
https://youtu.be/FJ4181b7fSY?si=BUYYtv2C95CJMWoN
Is It Too Late To Open a Tax-Free Savings Account at 55?
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 …
Notes de l’épisode
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 #investingShould I Pay Extra Towards My Debt or Start an Emergency Fund?
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 …
Notes de l’épisode
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
This War Is About to Hit Your Wallet - Here's What To Do!
🌍 Global News, Rising Costs & Your Money | What South Africans Should Be Doing Right NowIn this episode, I break down what’s happening in global current affairs — from ongoing wars to rising fuel prices — and …
Notes de l’épisode
🌍 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.pdf9 Ways I Live Below My Means (Even With a Decent Income)
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 …
Notes de l’épisode
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 #MoneyTipsYour Childhood Is Secretly Controlling Your Finances!
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 …
Notes de l’épisode
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.The Bank Eats First: What you're actually paying towards your bond.
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 …
Notes de l’épisode
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!The Easiest Way to Become A Millionaire in South Africa; Tax-Free!
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 …
Notes de l’épisode
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.A look into My finances: What do I actually Invest in? ✅
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 …
Notes de l’épisode
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?You Do Not Die for Free– Wills, Trusts & Protecting Your Family’s Future | Estate Planning Explained
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 …
Notes de l’épisode
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 #WomanAndFinanceFrom Chaos to Control in just 6 months: The Power of Taking Charge of Your Finances
Episode 10After 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 …
Notes de l’épisode
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 freedomOur 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
Is retiring before 65 becoming a myth?
Episode 9Can 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 — …
Notes de l’épisode
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 #FinancialFreedomHow to Double Your Money: The Rule of 72 & Power of Compound Growth
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 …
Notes de l’épisode
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 #SantamInsureYourFutureMoneyBootcampBefore You Say ‘I Do’: Know Your Marriage Contract
Episode 7We don’t always think about it this way, but marriage isn’t just about love, the dress, and the big day — it’s also a legal and financial contract. And the truth is, the marriage contract you choose …
Notes de l’épisode
Episode 7
We don’t always think about it this way, but marriage isn’t just about love, the dress, and the big day — it’s also a legal and financial contract. And the truth is, the marriage contract you choose can shape your financial journey in ways you may not even realise.
In this episode of the Santam Insure Your Future Money Bootcamp, Maya Fisher-French and I sit down with attorney and mediator, Lerato Seroke, to unpack everything you need to know before (and after) saying “I do.”
Here’s what we discuss:
💡 Common law marriage in South Africa
💡 The 3 types of marital contracts — and what makes them different
💡 What happens to your assets and debts depending on your marriage regime
💡 Why documentation is your best friend (especially in customary marriages)
💡 How contracts can actually strengthen, not weaken, your relationshipI even share why I personally chose to marry out of community of property without accrual — and how that decision has given me freedom and clarity in my financial journey.
This conversation is not about taking the romance out of marriage — it’s about making sure your love is protected and your future is secure.
#MoneyBootcamp #WomanAndFinance #Podcast #PersonalFinance
When Life Changes Overnight: How to Prepare Financially
Episode 6In this episode of the Santam Insure Your Future Money Bootcamp, Maya Fisher-French and I sit down with Nonhlanhla Bakasa, founder of AdoWord Multimedia. Nonhlanhla shares her incredible story of …
Notes de l’épisode
Episode 6
In this episode of the Santam Insure Your Future Money Bootcamp, Maya Fisher-French and I sit down with Nonhlanhla Bakasa, founder of AdoWord Multimedia. Nonhlanhla shares her incredible story of living with a disability since the age of 12, after a spinal injury, and gives us an honest look at the physical and financial realities that come with it — from daily costs to navigating medical aids, insurance, and even the road accident fund.
We’re also joined by Stian de Witt, Certified Financial Planner and Executive Head at NMG Benefits. Stian brings his experience of walking the journey with clients who have become disabled and breaks down what it really costs. He also shares practical advice on finding the balance between having enough insurance cover and keeping it affordable.
Here’s what we unpack in this episode:
✅ The real costs of living with a disability
✅ How to think about insurance — and how much cover is “enough”
✅ The emotional and admin toll of claims processes
✅ Tax deductions and financial planning tips for disability
✅ Why building a strong support system matters more than we realise
Whether you live with a disability yourself or simply want to prepare better for the unexpected, this conversation is packed with raw insights and practical tools to help you safeguard your financial future.
#MoneyBootcamp #WomanAndFinance #Podcast #PersonalFinanceBreaking Free from the Debt Cycle!
Episode 5In this episode of the Santam Insure Your Future Money Bootcamp, my co-host Maya Fisher-French and I sit down with Brian Mphakoanyane from Summit Financial to unpack one of the most important …
Notes de l’épisode
Episode 5
In this episode of the Santam Insure Your Future Money Bootcamp, my co-host Maya Fisher-French and I sit down with Brian Mphakoanyane from Summit Financial to unpack one of the most important conversations in personal finance: DEBT!
From credit scores to debt counselling, Brian breaks down the realities of borrowing, the traps to avoid, and the practical steps you can take to get back in control of your money.
We talk about:
✅ The difference between good debt and bad debt
✅ How your credit score really works
✅ What to do when debt becomes overwhelming
✅ Debt review — the pros, the cons, and when it makes sense
✅ Why an emergency fund matters (even while in debt)🎯 Whether you’re just starting your financial journey or trying to climb out of debt, this conversation is full of real, actionable insights to help you protect your future and move closer to financial freedom.
Before You Buy: The Real Costs of Homeownership
🎧 Episode 4: Budgeting as a homeowner Buying your first home is exciting — but it can also be overwhelming if you don’t know what to look out for. In this episode of the Insure Your Future Money Bootcamp, Maya …
Notes de l’épisode
🎧 Episode 4: Budgeting as a homeowner
Buying your first home is exciting — but it can also be overwhelming if you don’t know what to look out for. In this episode of the Insure Your Future Money Bootcamp, Maya Fisher-French and I chat about the home-buying journey of one of her mentees, who’s right in the middle of it all.
We share the real stuff — the lessons, the “I wish I’d known” moments, and the practical tips that can save you a lot of stress (and money) down the line. From understanding what levies and maintenance costs actually mean for your budget, to why a home inspection is non-negotiable, we break it all down.
We also get into the nitty-gritty of mortgage shopping: why you shouldn’t just stick with your current bank, the benefits of a bond originator, and how some banks are offering 110% mortgages for first-time buyers.
Whether you’re a year away from buying or just starting to dream about it, this conversation will give you the tools — and the confidence — to make smart, informed decisions.
#MoneyBootcamp #WomanAndFinance #Podcast #personalfinanceMoney Lessons I Wish I Knew in My 20s & 30s
💬 "If I knew then what I know now…"In this Women’s Month special, I sit down with Michelle Green, Credit Analyst at Prescient Investment Management, to unpack the money lessons she wishes she’d learned in her …
Notes de l’épisode
💬 "If I knew then what I know now…"
In this Women’s Month special, I sit down with Michelle Green, Credit Analyst at Prescient Investment Management, to unpack the money lessons she wishes she’d learned in her 20s and 30s.
From early financial mistakes to building confidence as an investor, Michelle shares practical tips, personal reflections, and why she believes the future is female and financially secure.
We talk about:
✅ Lessons from her money journey
✅ Why financial independence is non-negotiable
✅ How to choose the right investment partner
🎯 Whether you’re starting out, starting over, or just ready to do more with your money—this conversation is packed with real, relatable insights to help you take that first step toward lasting wealth.
#WomensMonth #FinancialFreedom #PrescientInvestmentManagement #WomenAndWealth #InvestInHerEverything You’ve Ever Wanted to Know About Insurance - Answered!
You asked, we answered! 🙌🏾A few weeks ago, I asked you to share your biggest questions about insurance — and wow, you came through! In this episode, I sit down with Financial Planner Maxine Muller to unpack …
Notes de l’épisode
You asked, we answered! 🙌🏾
A few weeks ago, I asked you to share your biggest questions about insurance — and wow, you came through!
In this episode, I sit down with Financial Planner Maxine Muller to unpack your most common concerns.
💡 What’s the difference between life cover and funeral cover?
📈 Why do premiums go up?
🔍 What should I look for in a policy?
💬 Do I even need insurance if I’m young and healthy?We cover it all — in plain, simple language. If insurance has ever felt complicated or overwhelming, this conversation is for you.
To learn more 👇
https://www.liberty.co.za
📩 Want to reach out to Maxine?
- Email: [email protected]
- Instagram: @maxinemuller_financial
- WhatsApp: 074 630 8980
#InsuranceLiteracy #Liberty #ProtectWhatMattersMost #InItWithYou #Woman&Finance
How to allocate your money on pay day
Episode 3:In this episode of the Insure Your Future Money Bootcamp, we speak to Thokozani, one of my former mentees, about her journey from financial stress to confidently managing her money.She shares …
Notes de l’épisode
Episode 3:
In this episode of the Insure Your Future Money Bootcamp, we speak to Thokozani, one of my former mentees, about her journey from financial stress to confidently managing her money.
She shares practical budgeting techniques using a combination of apps, spreadsheets, and traditional methods, as well as how she manages unexpected expenses and uses her side hustle income intentionally. Thokozani also reflects on how budgeting has changed her family's approach to money, encouraging open conversations and long-term financial planning.
This episode is part of the Santam Insure Your Future series, aimed at equipping you with tools and insights to take control of your finances.
Learn more:
https://www.santam.co.za/about-us/santam-insure-your-future-money-podcast/
#InsureYourFuture #SantamMoneyBootcamp #SantamInsurance #WomanAndFinance
How to ace your taxes
Episode 2:Tax season is here and often brings stress and confusion — but it doesn’t have to. In this episode of the Santam Insure Your Future Money Bootcamp, my co-host Maya Fisher-French and I are joined by …
Notes de l’épisode
Episode 2:
Tax season is here and often brings stress and confusion — but it doesn’t have to. In this episode of the Santam Insure Your Future Money Bootcamp, my co-host Maya Fisher-French and I are joined by tax expert @AndreBothmaTax to simplify the filing process and empower you to handle your taxes with confidence.
We cover everything from SARS auto assessments and why you should review them carefully, to the importance of filing — even if you’re a student or freelancer. Andre also explains provisional tax, common deductions, eFiling tips, and how to avoid costly penalties.
Whether you’re new to tax or just need a refresher, this episode offers practical, easy-to-understand guidance to help you navigate tax season stress-free.
#InsureYourFuture #SantamMoneyBootcamp #SantamInsurance #WomanAndFinanceRecognising Financial Trauma
Episode 1: Money isn’t just about numbers — it’s emotional. In this episode of the Santam Insure Your Future Money Bootcamp, my co-host, Maya Fisher-French and I, explore the hidden impact of financial trauma …
Notes de l’épisode
Episode 1:
Money isn’t just about numbers — it’s emotional. In this episode of the Santam Insure Your Future Money Bootcamp, my co-host, Maya Fisher-French and I, explore the hidden impact of financial trauma. From the money messages we absorbed as children to the silent promises we made to ourselves (like "I’ll never be broke again"), our past experiences often shape how we earn, spend, save, or avoid money altogether.
We talk about how these deep-rooted patterns show up in adulthood — whether it's anxiety around checking your bank account or overspending to feel secure. We also share practical ways to start healing and shift your money mindset.
Download the money questionnaire here: https://www.santam.co.za/about-us/santam-insure-your-future-money-podcast/
Investing Made Simple with Simon Brown - How to Build Wealth in South Africa
In this episode of the Woman & Finance Podcast, we sit down with Simon Brown, founder of Just One Lap and one of South Africa’s most trusted voices on investing and personal finance.We unpack:✅ How to start …
Notes de l’épisode
In this episode of the Woman & Finance Podcast, we sit down with Simon Brown, founder of Just One Lap and one of South Africa’s most trusted voices on investing and personal finance.
We unpack:
✅ How to start investing in South Africa—even with limited funds
✅ Common mistakes investors make (and how to avoid them)
✅ Building long-term wealth using ETFs
✅ Why financial education is your biggest assetWhether you’re just starting your journey or looking to refine your investment strategy, this episode is packed with valuable insights that will empower you to take control of your financial future.
🔔 Subscribe to our channel for more honest money conversations!
💬 Let us know in the comments: What's one thing you're doing to grow your investments this year?
👇 Resources & Mentions:
📍 Just One Lap: https://justonelap.com
📍 Follow Simon on Twitter: @SimonPB
📍 Woman & Finance Blog: https://womanandfinance.co.za🎧 Also available on Spotify, Apple Podcasts & Google Podcasts.
#Investing #SimonBrown #SouthAfrica #PersonalFinance #WomanAndFinance #ETFs #WealthBuilding
No Job Left Behind – The Power of Event-Based Insurance
Episode 4 of 4:No Job Left Behind – The Power of Event-Based InsuranceWhether you’re a freelancer, teacher, entrepreneur, or corporateprofessional — your ability to earn an income matters. But what happenswhen …
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Episode 4 of 4:
No Job Left Behind – The Power of Event-Based Insurance
Whether you’re a freelancer, teacher, entrepreneur, or corporate
professional — your ability to earn an income matters. But what happens
when an unexpected life event affects your ability to work?In this episode of The Woman & Finance Podcast, we break down
event-based cover — a type of insurance designed to support every
occupation, not just the traditionally insured ones.We’re joined by Bidvest Life to explore why this cover is especially
relevant in today’s unpredictable world, how it differs from traditional
disability cover, and what you should consider when choosing a policy.✨ This episode is a must-listen for breadwinners, business owners, or
anyone whose income depends on them showing up daily.Want to learn more or have someone from Bidvest Life contact you?
Fill in your details here: https://bidvestlife.co.za/podcast-series/
#WomanAndFinance #IncomeProtection #EventBasedCover
#BidvestLife #SmartMoneyMovesSmart Money Moves - Financial Planning for Female Breadwinners
Episode 3 of 4:More women are becoming the main earners in their households — but this role often comes with added financial pressure and responsibility. In this episode of The Woman & Finance Podcast we focus …
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Episode 3 of 4:
More women are becoming the main earners in their households — but this role often comes with added financial pressure and responsibility. In this episode of The Woman & Finance Podcast we focus on how female breadwinners can approach their finances with clarity and confidence.
We cover:
• How to create a practical financial plan based on your responsibilities
• The importance of protecting your income
• Managing household expenses and financial expectations
• How to save and invest consistently, even when supporting othersThis episode is for women who are navigating the realities of being the primary income earner — whether single, married, or supporting extended family.
📌 Clear, practical advice to help you stay financially secure while taking care of those who depend on you.
👉 Want to learn more or have someone from Bidvest Life contact you? Fill in your details here: https://bidvestlife.co.za/podcast-series/
#WomanAndFinance #FemaleBreadwinner #FinancialPlanning #BidvestLife #IncomeProtection #WomenAndMoney #FinancialSecurity
From Diagnosis to Recovery – Why Critical Illness Cover Matters
Episode 2 of 4:A life-changing diagnosis can affect more than just your health — it can derail your finances. In this episode of The Woman & Finance Podcast, we explore critical illness cover and why it’s one …
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Episode 2 of 4:
A life-changing diagnosis can affect more than just your health — it can derail your finances. In this episode of The Woman & Finance Podcast, we explore critical illness cover and why it’s one of the smartest financial moves you can make.
We’re joined by Melody Cloete from Bidvest Life to unpack what critical illness insurance actually is, how it works, and why it’s essential — especially for women who are breadwinners, caregivers, or entrepreneurs.
From cancer to heart disease, a serious diagnosis could mean months away from work. This conversation will help you understand how to protect your income, your peace of mind, and your loved ones during some of life’s toughest moments.
👉 Want to learn more or have someone from Bidvest Life contact you? Fill in your details here: https://bidvestlife.co.za/podcast-series/
#WomanAndFinance #CriticalIllnessCover #IncomeProtection #BidvestLife #SmartMoneyMoves #PersonalFinanceSA #InsuranceMadeSimple #FinancialWellbeing #FinancialFreedom
How to Read Your Pension/Provident Fund Statement
A breakdown on how to read your Pension/Provident fund statement.Watch the video here: https://www.youtube.com/watch?v=XCgEplpYyRk#pensionfunds #retirementplanning #riskbenefits
Protecting Your Salary – Why Income Protection Is a Non-Negotiable
Episode 1 of 4:What would happen if you couldn’t work tomorrow due to illness or injury? Would your bills still be paid? Would your family be okay?In this first episode of the Woman & Finance podcast in …
Notes de l’épisode
Episode 1 of 4:
What would happen if you couldn’t work tomorrow due to illness or injury? Would your bills still be paid? Would your family be okay?
In this first episode of the Woman & Finance podcast in partnership with Bidvest Life, we dive into one of the most overlooked yet essential types of cover: income protection.
Many South Africans insure their cars and gadgets—but forget to insure the very thing that pays for it all: their income. Whether you're employed, self-employed, or a freelancer, your ability to earn is your biggest asset.
This episode unpacks:
· What income protection is and how it works
· Why it’s different from life or disability cover
· Real talk on why many people delay getting covered and the impact
· How to start thinking about protecting your income the smart way
It’s time to shift the narrative: income protection isn’t a luxury—it’s a lifeline.
🎙️ Listen now and learn how to protect your peace of mind and plan for the unexpected.
👉 Want to find out more or speak to someone about protecting your income? Fill in your details here: https://bidvestlife.co.za/podcast-series/
#WomanAndFinance #IncomeProtection #BidvestLife #MoneyMatters #PersonalFinanceZA #FinancialSecurity #AdultingWell #MoneyTalks #ProtectYourIncome
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