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 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 

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 accounts

Whether 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 

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 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 relationship

I 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

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, 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 realise

Whether 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

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 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.

🎧 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 understanding what levies and maintenance costs actually mean for your budget, to why a home inspection is non-negotiable, we break it all down.

We also get into the nitty-gritty of mortgage shopping: why you shouldn’t just stick with your current bank, the benefits of a bond originator, and how some banks are offering 110% mortgages for first-time buyers.

Whether you’re a year away from buying or just starting to dream about it, this conversation will give you the tools — and the confidence — to make smart, informed decisions.

 #MoneyBootcamp  #WomanAndFinance #Podcast #personalfinance 

💬 "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 non-negotiable
✅ How to choose the right investment partner

🎯 Whether you’re starting out, starting over, or just ready to do more with your money—this conversation is packed with real, relatable insights to help you take that first step toward lasting wealth.

#WomensMonth #FinancialFreedom #PrescientInvestmentManagement #WomenAndWealth #InvestInHer

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 complicated or overwhelming, this conversation is for you.

To learn more 👇 

https://www.liberty.co.za 

📩 Want to reach out to Maxine?

• Email: [email protected]
• Instagram: @maxinemuller_financial
• WhatsApp: 074 630 8980

#InsuranceLiteracy #Liberty #ProtectWhatMattersMost #InItWithYou #Woman&Finance

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 open conversations and long-term financial planning.

This episode is part of the Santam Insure Your Future series, aimed at equipping you with tools and insights to take control of your finances.

Learn more:

https://www.santam.co.za/about-us/santam-insure-your-future-money-podcast/

#InsureYourFuture #SantamMoneyBootcamp #SantamInsurance #WomanAndFinance

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 also explains provisional tax, common deductions, eFiling tips, and how to avoid costly penalties.

Whether you’re new to tax or just need a refresher, this episode offers practical, easy-to-understand guidance to help you navigate tax season stress-free.

#InsureYourFuture #SantamMoneyBootcamp #SantamInsurance #WomanAndFinance