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

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 relationship

I 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