Money with Carla

Epizode

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  Stuck In High-Fee Investments? 6-Year Rule 31.01.2027 7min

  Sign up for my FREE Investing Masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1 I always preach this: Keep your fees low to maximise portfolio growth. But what if you're already invested in high-fee products? Today I'm introducing my 6-year rule for exiting high-fee products. Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.
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  Big Name Funds Underperform. What are you paying for? 20.09.2026 6min

  Get my book here: https://www.moneywithcarla.com/book Free Investment Masterclass: https://learn.moneywithcarla.com/masterclass2026 Most South Africans are losing hundreds of thousands of rands in household-name investment funds, without even realising it. In this video I compare real fund performance from two of my students against equivalent ETFs, and show you exactly how to benchmark any active fund yourself (it takes about five minutes). What you'll learn: 1. Why big brand = good investment is one of the most expensive assumptions you can make 2. How to find a fund's minimum disclosure document and read the numbers that matter 3. A simple method to compare any active fund against its benchmark index What 95% of SA equity funds and 100% of global equity funds have in common (spoiler: it's not good) 4. The real rand difference between 1% and 6% annual underperformance over 20 years
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  Anzel Rabie | Stellenbosch & Afrikaans Money-Culture 11.09.2026 37min

  Find Anzel on socials: https://www.instagram.com/anzelrabie/?hl=en What does a CA who almost became Miss SA have to teach us about generational wealth? More than you'd expect. In this episode, I sit down with Anzel – chartered accountant turned TV personality and mom of two – to talk about the money lessons we weren't taught growing up, and the ones we're now trying to pass on to our own kids. We cover a lot of ground: how an Afrikaner upbringing shaped her relationship with money, why tax-free savings accounts are the first thing she maxes out on 1 March every year (and the costly mistake she made with hers), and why parking money in the stock market is not the same thing as building wealth. There's also a really honest conversation about mom guilt, career pivots, and what it actually means to give your children more than you started with. Disclaimers: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  To DIY or not? EasyEquities Expert Answers Your Questions. 06.09.2026 42min

  What’s really happening inside your investment account and how do you know the platform holding it is trustworthy? In this episode, I sit down with the Higgo van Biljon from EasyEquities to unpack how the platform works, what investors actually own, and the questions that matter before you invest. We cover tax-free savings accounts for children, the power of compounding, platform security, fees, transfers, AI in investing, and their upcoming adviser offering. We also get a candid look at the Higgo's own investment approach. This is an honest, practical conversation for DIY investors and anyone trying to make smarter long-term financial decisions. This episode is not sponsored. It is for educational purposes only and is not personal financial, investment, or tax advice. Always consider your own circumstances and seek regulated advice where appropriate. Disclaimers: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms (Easy Equities) : Disclaimer: Any opinions, news, research, reports, analyses, prices, or other information contained within this research is provided by an employee of EasyEquities an authorised FSP (FSP no 22588) as general market commentary, and does not constitute investment advice for the purposes of the Financial Advisory and Intermediary Services Act, 2002. First World Trader (Pty) Ltd t/a EasyEquities ("EasyEquities") does not warrant the correctness, accuracy, timeliness, reliability or completeness of any information (i) contained within this research and (ii) received from third party data providers. You must rely solely upon your own judgment in all aspects of your investment and/ or trading decisions and all investments and/or trades are made at your own risk. EasyEquities (including any of their employees) will not accept any liability for any direct or indirect loss or damage, including without limitation, any loss of profit, which may arise directly or indirectly from use of or reliance on the market commentary. The content contained within is subject to change at any time without notice. Ts and Cs apply.
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  From Consumer to Creator (Building Digital Capital) 28.08.2026 34min

  Find Daniel on socials: https://www.instagram.com/_danielvivier_/ What happens when you stop consuming and start creating? In this conversation, Daniel shares how he overcame the fear of being judged online and began building a public presence while developing an AI-focused business. We talk about the uncomfortable early stage of creating content, why you do not need to have your whole business figured out before you begin, and how a small audience can become powerful digital capital. We also unpack building in public, learning what actually holds people’s attention, using your audience to understand what they need and why the fastest way to get better is to be willing to start badly. If you have been sitting on an idea, feeling stuck in your career, or waiting until you feel “ready” to post this episode is for you.
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  Tax Season is Open. Your Questions Answered by a Tax Expert 14.08.2026 18min

  Find Marisca on socials: https://www.instagram.com/taxmatterswithmarisca?igsh=MXRod25wZThhbHB0bw== Tax season can feel overwhelming, but it doesn’t have to. In this episode, I sit down with tax expert Marisca de Bruyn to break down the things you actually need to know. From provisional vs non-provisional tax and auto-assessments, to deductions, keeping your receipts and what SARS knows about your crypto. We also chat about common mistakes that can cost you money, how to stay on top of your tax admin, and a few simple things you can do throughout the year to make next tax season a little easier. If tax makes your head spin, this one’s for you.
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  Uleen Fourie: Fitness, Family & Finances (all at once) 31.07.2026 44min

  Find Uleen on socials: https://www.instagram.com/uleenfourie/?hl=en Website: https://uleenfourie.co.za/ Often times women who've garnered success (especially online) are put through the ringer. Today Uleen Fourie, an entrepreneur and fitness guru and I discuss building an online business, revenue and balancing all this with family life and assumptions by the public. She opens up about how it all started, the importance of having options and what she chooses to share online. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  New SARS Travel Form: What You Need to Know with Tax Expert 24.07.2026 23min

  Find Marisca on socials: https://www.instagram.com/taxmatterswithmarisca?igsh=MXRod25wZThhbHB0bw== The South African Revenue Service (SARS) recently started informing a new travel form that has to be filled out by anyone entering or leaving South Africa. Marisca and I talk about what this actually entails, and how it affects South Africans travelling and working abroad, foreigners entering South Africa, and digital nomads in South Africa. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  AI Chat with Daniel (My Husband / AI Expert) 19.07.2026 33min

  Follow Daniel's social media: https://www.instagram.com/_danielvivier_?igsh=MWE4NjMxdHlqNDgwdQ== My husband Daniel has become an AI expert. My brain usually feels like exploding when he talks about this stuff, but it's so interesting and useful that I knew we had to have him on the podcast to share with you as well. So today I'm chatting with him about everything AI. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  How I Invest For My Kids (TFSA and Education Funds) 19.06.2026 8min

  Sign up for my FREE Investing Masterclass: https://learn.moneywithcarla.com/invest In this video, I walk through exactly how I invest for my two kids, from maxing out their TFSAs to keeping education funds in a completely separate account. I also cover why talking about money openly with your kids is one of the most valuable (and free) things you can do, and why sorting out your own retirement is one of the greatest financial gifts you can give them. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  Index Funds Explained (The Simplest Way To Build Wealth) 14.06.2026 17min

  Sign up for my free Investing Masterclass: https://learn.moneywithcarla.com/invest In this episode, I'm breaking down exactly what index funds are, why they outperform most actively managed funds over the long term, and how ordinary people use them to build portfolios worth millions, in less than 30 minutes a year. The secret to successful investing is that there is no secret, just consistent action through passive investing, made possible by index funds. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  The Investment Product I Avoid And Why 05.06.2026 17min

  Sign up to my free masterclass: https://learn.moneywithcarla.com/invest Watch my video on asset allocation: https://youtu.be/zJ6TmTZ0lAM There is one type of investment product I would never willingly put my money into. That product is an actively managed fund. Actively managed investment funds seem to be a good choice because they aim to outperform the average of the markets. However, in reality, these funds often charge high fees AND underperform the benchmark, since it's incredibly difficult to do. So at the end of the day, these funds put you very far behind where you could have been, had you just invested in simple, low-cost index funds. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  New Research, New Rules (New Study Challenges Everything We Know About the Right Portfolio Split) 29.05.2026 8min

  Sign up for the free investing masterclass: https://learn.moneywithcarla.com/invest Most investors are doing too much and it's costing them. A 2025 study analysed 130 years of data across 39 countries and found that a 100% stock portfolio outperforms the traditional stock-and-bond approach over a lifetime. It also found that investors with zero bonds can reach the same retirement outcomes while saving significantly less each month. In this episode I also share why checking your portfolio less often leads to better returns, and why the best investors are not the most active ones. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  Is Your Investment Property ACTUALLY Profitable? (How to Realistically Check) 22.05.2026 15min

  Sign up for the FREE Masterclass: https://learn.moneywithcarla.com/invest I used to think property/real estate investing was the simplest way to get wealthy. You can get leverage from the bank, the asset is tangible, and property looks safe. But with property investments, people disregard the most important things that actually show whether your property investment is profitable. The majority of the time, once you do the proper calculations, you'll see that everything is not as simple and straightforward as you were told. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  South African Expats: Leaving SA Does Not Mean Leaving SARS Behind 16.05.2026 32min

  Follow Marisca on Instagram: @taxmatterswithmarisca Previous episode with Marisca on trusts: https://youtu.be/7Ojy5bLAD8Q Are you a South African expat unsure about your tax obligations back home? In this episode, Carla sits down with a South African tax expert to unpack everything expats need to know. From the biggest tax mistakes SA expats make, to double tax agreements, exit tax calculations, and how to correctly cease tax residency in South Africa. Whether you're a yachtie or living abroad long-term, this episode could save you thousands. We also cover what happens if you want to move back to South Africa and withdrawing retirement products as a non-tax resident. Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.
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  Stop Guessing Where Your Money Should Go (Do This Instead) 08.05.2026 12min

  FREE Money Planning Masterclass: https://learn.moneywithcarla.com/Money-Planning-Masterclass-Optin The Money Game Plan Program: https://learn.moneywithcarla.com/Your-money-gameplan Video on emergency funds: https://youtu.be/DLzLqCAbUYA Learn how to build wealth with a simple payday routine and cashflow priorities system that actually works. In this video, I break down the 3-level money framework I use with my students to help them pay off high-interest debt, build an emergency fund, and start investing with confidence. I also share some practical budgeting tips, and the exact order your income should flow each payday to create long-term financial freedom without sacrificing your lifestyle. Whether you’re overwhelmed by debt, struggling to save money, or looking for a smarter wealth-building strategy, this step-by-step guide will help you take control of your finances and make better money decisions aligned with your goals. Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.
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  The Complete 90-Day Money Reset (EASY Steps to Take) 26.04.2026 12min

  My Money Game Plan program: https://learn.moneywithcarla.com/Your-money-gameplan Personal finance can sometimes feel so overwhelming that you end up doing nothing. I know how that feels because I had to figure everything out for myself. So I've created a 90-day plan that breaks things down into 10 easy steps you can follow over next 3 months. This plan is exactly how you're going to change your finances for good without complexity. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  Everything You Need to Know About Trusts as a South African (with Tax Expert) 19.04.2026 38min

  Follow Marisca on socials: Instagram: @taxmatterswithmarisca I'm so excited to talk to tax expert Marisca du Bruyn about trusts! Marisca is a tax advisor specialising in structuring, complicated tax matters, and international taxes. We talk about when a trust makes sense or not, should we invest in our personal capacity, companies or trusts, structures to buy property in, and offshore trusts vs local trusts. Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  Why Some High Earners NEVER Build Wealth 10.04.2026 13min

  Watch my free Money Planning Masterclass: https://learn.moneywithcarla.com/Money-Planning-Masterclass-Optin We've all been taught the same thing about money: study hard, get a high-paying job, and wealth will naturally follow. But if that was the case, I wouldn't be meeting doctors and executives who are still working at 70 because they can't retire. And on the other hand, I wouldn't be meeting ordinary people with average salaries who have portfolios worth millions. Today's episode is about how a high salary does not equal automatic wealth building, why many high earners never build wealth, and how you can get wealthy, even with an average income. Watch videos on retirement planning: How to prep for retirement at age 40+: https://youtu.be/qy8SICv2fCg Find your retirement number: https://youtu.be/O_YIGs_t4YU Why R25 million might not be enough to retire: https://youtu.be/ll_BuoyGFxs Disclaimer: All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms
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  The Best Way To Invest Is Also The Cheapest And Easiest 29.03.2026 10min

  My FREE Investing Mini-Course: https://learn.moneywithcarla.com/mini-course Contrary to popular belief, more expensive and harder to access is not automatically better, especially when it comes to investing. Today I'm talking about index investing, my favourite investing method. It's not only the best, but also the cheapest and easiest. Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.