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: maxine.muller@liblink.co.za

#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