Episode 9Can 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
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How to Double Your Money: The Rule of 72 & Power of Compound Growth
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 accountsWhether 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
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Before You Say ‘I Do’: Know Your Marriage Contract
Episode 7We 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 relationshipI 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
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When Life Changes Overnight: How to Prepare Financially
Episode 6In 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, Certified Financial Planner and Executive Head at NMG Benefits. Stian brings his experience of walking the journey with clients who have become disabled and breaks down what it really costs. He also shares practical advice on finding the balance between having enough insurance cover and keeping it affordable.Here’s what we unpack in this episode:✅ The real costs of living with a disability✅ How to think about insurance — and how much cover is “enough”✅ The emotional and admin toll of claims processes✅ Tax deductions and financial planning tips for disability✅ Why building a strong support system matters more than we realiseWhether you live with a disability yourself or simply want to prepare better for the unexpected, this conversation is packed with raw insights and practical tools to help you safeguard your financial future.#MoneyBootcamp #WomanAndFinance #Podcast #PersonalFinance
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Breaking Free from the Debt Cycle!
Episode 5In 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 your credit score really works✅ What to do when debt becomes overwhelming✅ Debt review — the pros, the cons, and when it makes sense✅ Why an emergency fund matters (even while in debt)🎯 Whether you’re just starting your financial journey or trying to climb out of debt, this conversation is full of real, actionable insights to help you protect your future and move closer to financial freedom.
Hi, I’m Mapalo Makhu, your host, personal finance educator, and author of You're Not Broke, You're Pre-Rich. I hold a BCom Finance degree, a Postgraduate Diploma in Financial Planning and a Postgraduate Diploma in Investment Planning, with over 10 years of experience in the financial services industry. More importantly, I’m deeply passionate about empowering women to take charge of their financial futures.This podcast is a judgment-free space for open and insightful conversations about money—without the confusing jargon. Whether you’re looking to budget more effectively, get out of debt, start investing, or build lasting wealth, this is the place for you.Each episode brings you practical advice, expert insights, and real conversations designed to help you make informed financial decisions with confidence. Because financial freedom isn’t just for a select few—it’s for everyone ready to take control.If you’re on a journey to financial wellness, hit follow and be part of a community committed to building wealth and securing their futures.Let’s learn, grow and thrive—together.
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