The Woman & Finance Podcast

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• Should I Pay Extra Towards My Debt or Start an Emergency Fund? 16.04.2026 11dk

  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...
• This War Is About to Hit Your Wallet - Here's What To Do! 05.04.2026 24dk

  🌍 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...
• 9 Ways I Live Below My Means (Even With a Decent Income) 19.03.2026 22dk

  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 increas...
• Your Childhood Is Secretly Controlling Your Finances! 11.02.2026 17dk

  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 su...
• The Bank Eats First: What you're actually paying towards your bond. 06.02.2026 18dk

  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-tim...
• The Easiest Way to Become A Millionaire in South Africa; Tax-Free! 27.01.2026 28dk

  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 T...
• A look into My finances: What do I actually Invest in? ✅ 21.01.2026 20dk

  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 11.11.2025 1sa

  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 f...
• From Chaos to Control in just 6 months: The Power of Taking Charge of Your Finances 04.11.2025 24dk

  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 proo...
• Is retiring before 65 becoming a myth? 17.10.2025 34dk

  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 ...
• How to Double Your Money: The Rule of 72 & Power of Compound Growth 06.10.2025 27dk

  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 cons...
• Before You Say ‘I Do’: Know Your Marriage Contract 19.09.2025 40dk

  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 ...
• When Life Changes Overnight: How to Prepare Financially 08.09.2025 35dk

  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, Certif...
• Breaking Free from the Debt Cycle! 26.08.2025 33dk

  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 yo...
• Before You Buy: The Real Costs of Homeownership 13.08.2025 19dk

  🎧 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 und...
• Money Lessons I Wish I Knew in My 20s & 30s 11.08.2025 35dk

  💬 "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 no...
• Everything You’ve Ever Wanted to Know About Insurance - Answered! 30.07.2025 49dk

  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 ...
• How to allocate your money on pay day 25.07.2025 19dk

  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 o...
• How to ace your taxes 14.07.2025 31dk

  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 al...
• Recognising Financial Trauma 01.07.2025 22dk

  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 —...