Life Chapters, Money Choices

What if the way we approach money, health, and success is shaped by the same underlying force: fear?
In this episode of Life Chapters, Money Choices, Michael Avery and Kim Potgieter are joined by Dr Riaz Motara, leading cardiologist, founder of the Cardio Group, and pioneer of the Women’s Heart Clinic, for a deeply reflective conversation about wellbeing, identity, and the stories that quietly drive our behaviour.
Together, they draw striking parallels between how we manage our health and how we manage our money. They unpack how early conditioning shapes adult habits, why high achievers often struggle to feel “enough,” and how fear can quietly drive financial decisions, overwork, and a loss of meaning.
The episode closes with a powerful reflection on legacy. Not only what we leave behind financially, but the wellness habits, emotional awareness, and sense of purpose we model for those who come after us.
A thoughtful conversation about health span, wealth, self-worth, and the courage to rewrite stories that no longer serve us.
Additional Resource
If this episode prompted reflection on how your health, money, and sense of purpose fit together, you may find our complimentary eBook helpful.
📘 14 Action Steps to Make Your Money Work for You
A practical guide and workbook designed to help you create a comprehensive financial plan that aligns with your life’s journey. It encourages you to stop making money decisions in isolation and instead see money as an enabler of your life, not just a collection of numbers or investments.
The workbook helps you clarify your goals, dreams, and aspirations at any life stage, whether you are starting out, raising a family, navigating midlife, or planning for retirement. It guides you to look at your assets holistically and bring everything together in a way that supports the life you want to live.
 👉 Click here to download your copy 
🎧 Tune in. Be brave. Be on purpose.

How do you stay curious and relevant at any age? In this episode, Michael Avery and Kim Potgieter sit down with author and futurist Arthur Goldstuck to explore the money lessons, discipline and lifelong learning that have shaped his journey.
We unpack the emotional and practical sides of money, why curiosity is the oxygen of reinvention, how to stay relevant in an AI-driven world and why the concept of retirement simply does not compute for Arthur.
🎧 Listen to learn:
  • The power of childhood money memories
  • Why paying off your bond early is a game changer
  • What tech cycles teach us about long-term investing
  • How to approach AI without overwhelm
  • Why curiosity never retires
🎧 Tune in. Be brave. Be on purpose.

Know yourself, simple to say, harder to live.
In this episode, Michael Avery and Kim Potgieter sit down with Colleen-Joy Page, an international coaching trainer, business builder, artist and Enneagram practitioner.
Colleen shares the moment at 13 that changed her life, her experience of growing up with scarcity, and the insight that reshaped her relationship with money. She explains how true financial freedom is the ability to stand anywhere on the mountain, whether you have more or have less, and feel equal to yourself and others.
Kim reflects on her Enneagram type, how childhood shame once drove her need to prove herself, and how greater self-awareness now shapes the way she plans, leads and supports clients.
This is a grounded, soulful conversation about purpose, integrity and building a business and a life that feel aligned.
Follow the show for more conversations like this, and share the episode with someone who might find it helpful 
🎧 Tune in. Be brave. Be on purpose.

When it comes to legacy, most of us think in rands, cents, and stuff: the house, the investments, the will. But as Michael Avery explores with Kerryn Franck, Head of Chartered Legacy & Trust, and Kim Potgieter, Director and Head of Life Planning at Chartered Wealth Solutions, the real gift you leave behind may be clarity, communication, and preserved relationships.
In this episode of Life Chapters, Money Choices, we unpack why a legacy isn’t just what you leave, but how you leave it. From blended families and “fair vs equal”, to wills, letters of wishes, executors, trusts, tax complexity and liquidity traps, Kerryn and Kim share real stories from the front line of estate and legacy planning – including what happens when families only discover the truth after a death.
Whether you’re worried about keeping the peace, navigating tricky family dynamics, or simply wanting to leave things tidier than you found them, this conversation will help you see legacy as a living process, not just a legal event.
In this episode:
Why silence around inheritance often causes more conflict than hard conversations
Fairness vs equality in blended and complex families
The real role of a will vs a letter of wishes
Choosing an executor (and why it shouldn’t always be your eldest child)
How overcomplicated structures, trusts, and tax planning can backfire
Preparing your heirs emotionally and financially for what they’ll inherit
🎧 The Gift of a Clear Legacy – because your greatest inheritance might not be money, but understanding.
🎧 Tune in. Be brave. Be on purpose.

What happens when love and money don’t quite balance out? 
In this episode, Michael Avery is joined by Chartered Wealth’s Kim Potgieter and Stephanie Ferreira to explore what really goes on when one partner earns significantly more than the other – and how feelings like guilt, pride, resentment, or shame can reshape the story of a relationship. 
They unpack:
💬 Why money is still the ultimate relationship taboo
💬 How to talk about income differences without triggering ego or defensiveness
💬 The link between emotional safety and financial security
💬 Practical ways for couples to share goals, split expenses fairly, and check in without judgment.
This honest conversation reminds us that money isn’t a competition – it’s an invitation to collaborate, communicate, and co-create a life that feels truly wealthy, together.  
🎧 If you’ve ever avoided “the money talk” with your partner, this one’s for you. 
🎧 Tune in. Be brave. Be on purpose.