Money with Carla

What happens when two financial experts sit down to talk money and don't see eye to eye?I sat down with fellow financial expert Munya, also known as Modern Money, to discuss investing, retirement annuities, local vs offshore markets, ETFs, investment fees and building wealth. We share different perspectives, challenge each other's opinions and get into some big money questions.

What does divorce actually cost, and what should you know before your marriage ends?

In this episode, I sit down with a Cape Town-based divorce lawyer who has worked on thousands of divorce cases to unpack the legal, financial and emotional realities of divorce.

We cover the cost of divorce, mediation versus going to court, how assets and maintenance are divided, and what your marriage contract means for your financial future. We also discuss child custody, giving up your career for marriage, why relationships break down, and why both partners need to understand the household finances.

This is an honest, practical conversation for anyone who is married, planning to get married, or wants to better understand the financial implications of divorce.

Ever wondered how I invest my own money? In this episode, I’m sharing the ETFs I hold, what I pay in fees and how I decide where my money goes first. I’ll also walk you through my cash flow waterfall and how I prioritise everything from paying off expensive debt to investing for the long term. Sign up for live masterclass

Market crashes might grab the headlines, but investment fees could be quietly costing you millions. In this episode, discover how a 2.75% annual fee can significantly reduce your retirement savings, why two investors with the same income and contributions can end up millions apart, and how to check what you're paying.

Learn how to compare fees, understand the impact of compounding, and make smarter investment choices to protect your wealth and give your money the best chance to grow. Sign up for live masterclass · Big Name Funds Underperform. What are you paying for?

Join my masterclass: learn.moneywithcarla.com/invest

Is it actually better to buy property or rent and invest the difference? I ran the numbers so you don't have to. Again.

In this video I break down the buy vs rent debate properly, including the 7% rule, real property growth rates, and how stock market returns compare over the long run. The answer might surprise you.

What I cover:

- The true cost of buying (it's more than just your bond repayment

- How the 7% rule works and whether it actually holds up against

- Property growth vs stock market returns, side by side

- When buying makes financial sense, and when renting wins

- What the numbers say about which option leaves you better off

This is one of the biggest financial decisions you'll ever make.

👇 Watch to the end, the comparison at the end changed how I think about this.

🔔 Subscribe for honest, no-fluff money content every week. Masterclass Sign Up

Does a retirement annuity’s tax saving automatically make it the best investment? Carla compares RAs with investing directly in global equity ETFs, exploring tax, investment restrictions, fees and how your time to retirement changes the picture.

Using Laura and Nora’s investment scenarios, she explains the trade-offs, flags expensive life insurance RAs, and shares questions to ask before committing. Here's my free RA guide: · Sign up for my Masterclass at the end of October:

This week I sit down with Marisca, a tax expert, to unpack trusts and estate planning in South Africa. We chat about when a trust makes sense, common mistakes, and how to plan ahead to protect the wealth you leave to your family. Find Marisca on Socials

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 Get the book here · Free Investment Masterclass

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

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.