Money with Carla

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 an...

Find Daniel on socials: https://www.instagram.com/_danielvivier_/

What happens when you stop consuming and start creating?

In this conversation, Daniel shares how he overcame the fear of being judged online and began building a public presence while developing an AI-focused business. We talk about the uncomfortable early stage of creating content, why you do not need to have your whole business figured out before you begin, and how a small audience can become powerful digital capital.

We also unpack building in public, learning what actually holds people’s attention, using your audience to...

Find Marisca on socials: https://www.instagram.com/taxmatterswithmarisca?igsh=MXRod25wZThhbHB0bw==

Tax season can feel overwhelming, but it doesn’t have to.

In this episode, I sit down with tax expert Marisca de Bruyn to break down the things you actually need to know. From provisional vs non-provisional tax and auto-assessments, to deductions, keeping your receipts and what SARS knows about your crypto.

We also chat about common mistakes that can cost you money, how to stay on top of your tax admin, and a few simple things you can do throughout th...

Find Uleen on socials:
https://www.instagram.com/uleenfourie/?hl=en
Website:
https://uleenfourie.co.za/

Often times women who've garnered success (especially online) are put through the ringer. Today Uleen Fourie, an entrepreneur and fitness guru and I discuss building an online business, revenue and balancing all this with family life and assumptions by the public. She opens up about how it all started, the importance of having options and what she chooses to share online.

Disclaimer:
All content I share is educational in nature and does not constitute financial advice...

Find Marisca on socials: https://www.instagram.com/taxmatterswithmarisca?igsh=MXRod25wZThhbHB0bw==

The South African Revenue Service (SARS) recently started informing a new travel form that has to be filled out by anyone entering or leaving South Africa. Marisca and I talk about what this actually entails, and how it affects South Africans travelling and working abroad, foreigners entering South Africa, and digital nomads in South Africa.

Disclaimer:
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...

Follow Daniel's social media: https://www.instagram.com/_danielvivier_?igsh=MWE4NjMxdHlqNDgwdQ==

My husband Daniel has become an AI expert. My brain usually feels like exploding when he talks about this stuff, but it's so interesting and useful that I knew we had to have him on the podcast to share with you as well. So today I'm chatting with him about everything AI.

Disclaimer:
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...

Sign up for my FREE Investing Masterclass: https://learn.moneywithcarla.com/invest

In this video, I walk through exactly how I invest for my two kids, from maxing out their TFSAs to keeping education funds in a completely separate account. I also cover why talking about money openly with your kids is one of the most valuable (and free) things you can do, and why sorting out your own retirement is one of the greatest financial gifts you can give them.

Disclaimer:
All content I share is educational in nature and does not constitute financial...

Sign up for my free Investing Masterclass: https://learn.moneywithcarla.com/invest

In this episode, I'm breaking down exactly what index funds are, why they outperform most actively managed funds over the long term, and how ordinary people use them to build portfolios worth millions, in less than 30 minutes a year. The secret to successful investing is that there is no secret, just consistent action through passive investing, made possible by index funds.

Disclaimer:
All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based...

Sign up to my free masterclass: https://learn.moneywithcarla.com/invest
Watch my video on asset allocation: https://youtu.be/zJ6TmTZ0lAM

There is one type of investment product I would never willingly put my money into. That product is an actively managed fund. Actively managed investment funds seem to be a good choice because they aim to outperform the average of the markets.
However, in reality, these funds often charge high fees AND underperform the benchmark, since it's incredibly difficult to do. So at the end of the day, these funds put you very...

Sign up for the free investing masterclass: https://learn.moneywithcarla.com/invest

Most investors are doing too much and it's costing them.
A 2025 study analysed 130 years of data across 39 countries and found that a 100% stock portfolio outperforms the traditional stock-and-bond approach over a lifetime. It also found that investors with zero bonds can reach the same retirement outcomes while saving significantly less each month.
In this episode I also share why checking your portfolio less often leads to better returns, and why the best investors are not the most active ones.

Disclaimer:
All...

Sign up for the FREE Masterclass: https://learn.moneywithcarla.com/invest

I used to think property/real estate investing was the simplest way to get wealthy. You can get leverage from the bank, the asset is tangible, and property looks safe. But with property investments, people disregard the most important things that actually show whether your property investment is profitable. The majority of the time, once you do the proper calculations, you'll see that everything is not as simple and straightforward as you were told.

Disclaimer:
All content I share is educational in nature and...

Follow Marisca on Instagram: @taxmatterswithmarisca
Previous episode with Marisca on trusts: https://youtu.be/7Ojy5bLAD8Q

Are you a South African expat unsure about your tax obligations back home? In this episode, Carla sits down with a South African tax expert to unpack everything expats need to know. From the biggest tax mistakes SA expats make, to double tax agreements, exit tax calculations, and how to correctly cease tax residency in South Africa. Whether you're a yachtie or living abroad long-term, this episode could save you thousands. We also cover what happens if you want to...

FREE Money Planning Masterclass: https://learn.moneywithcarla.com/Money-Planning-Masterclass-Optin
The Money Game Plan Program: https://learn.moneywithcarla.com/Your-money-gameplan
Video on emergency funds: https://youtu.be/DLzLqCAbUYA

Learn how to build wealth with a simple payday routine and cashflow priorities system that actually works. In this video, I break down the 3-level money framework I use with my students to help them pay off high-interest debt, build an emergency fund, and start investing with confidence. I also share some practical budgeting tips, and the exact order your income should flow each payday to create long-term financial...

My Money Game Plan program: https://learn.moneywithcarla.com/Your-money-gameplan

Personal finance can sometimes feel so overwhelming that you end up doing nothing. I know how that feels because I had to figure everything out for myself. So I've created a 90-day plan that breaks things down into 10 easy steps you can follow over next 3 months. This plan is exactly how you're going to change your finances for good without complexity.

Disclaimer:
All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical...

Follow Marisca on socials:
Instagram: @taxmatterswithmarisca

I'm so excited to talk to tax expert Marisca du Bruyn about trusts! Marisca is a tax advisor specialising in structuring, complicated tax matters, and international taxes. We talk about when a trust makes sense or not, should we invest in our personal capacity, companies or trusts, structures to buy property in, and offshore trusts vs local trusts.

Disclaimer:
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...

Watch my free Money Planning Masterclass: https://learn.moneywithcarla.com/Money-Planning-Masterclass-Optin

We've all been taught the same thing about money: study hard, get a high-paying job, and wealth will naturally follow. But if that was the case, I wouldn't be meeting doctors and executives who are still working at 70 because they can't retire. And on the other hand, I wouldn't be meeting ordinary people with average salaries who have portfolios worth millions. Today's episode is about how a high salary does not equal automatic wealth building, why many high earners never build wealth, and how you can get...

My FREE Investing Mini-Course: https://learn.moneywithcarla.com/mini-course

Contrary to popular belief, more expensive and harder to access is not automatically better, especially when it comes to investing.
Today I'm talking about index investing, my favourite investing method. It's not only the best, but also the cheapest and easiest.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing...

Complete the FREE Wealth Score Quiz: https://score.moneywithcarla.com/wealthscore
Money Game Plan Course: https://learn.moneywithcarla.com/Your-money-gameplan

In personal finance, we often focus on things we can't control, like stock market performance or trying to time the market. But today I'm giving you 10 of the worst money mistakes you could be making right now, that are actually in your control.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations...

Get access to this calculator and more: https://learn.moneywithcarla.com/Your-money-gameplan

If you keep under-saving for financial goals, or feel like you can never reach them, you're probably missing 2 key elements of calculating your goal amounts.
Inflation and taxes are sneaky, but especially crucial to consider when working towards long-term goals.

Today I'm showing you how to calculate goal amounts correctly while including buffers for taxes and inflation.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although...

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Are you buying a house? Here's how you will know whether or not you can really afford the house you want.
Today I'm answering the question, how much house can you really afford?

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is...

Sign up for my FREE masterclass: https://learn.moneywithcarla.com/registration-page-256ef41f-876a-45bd-9817-b684d547598d

Saving is taught as the "most responsible" financial behaviour. But does it build wealth, or just give you a false sense of security? In today's episode, I'm talking about saving vs. investing, and why you shouldn't play it safe.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult...

Join my FREE masterclass: https://learn.moneywithcarla.com/registration-page-256ef41f-876a-45bd-9817-b684d547598d

If you have extra money available each month, should you rather use it to pay off your mortgage early, or invest it in the stock market?
Today I'm analysing multiple options to help you decide.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing...

Sign up for my FREE investing masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1

Every South African needs this investment account. Even though there are contribution limits, it gives you unlimited tax-free growth. It's called a Tax-Free Savings Account or TFSA, and in today's episode I'm showing you how to get the most out of it.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed...

Get your FREE Financial Freedom Calculator here: https://learn.moneywithcarla.com/financial-freedom-calculator

If you're starting to plan for retirement and you feel behind, or like it's "too late," this week's episode is for you.
I run you through my SAFE framework for retirement planning: 4 steps to help you set yourself up for a secure retirement, proactively.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult...

Have a question or dilemma? Ask me here: https://learn.moneywithcarla.com/money-scenario

A subscriber shared an artwork with me that they bought in 1986 for R750, and recently sold for 80x the original purchase price. They asked me what I thought about the returns so I decided to make a full video including a few alternative investments shared by subscribers.
So, can artworks, bags, watches, or cars outperform the stock market?

What's your wealth score? Find out for FREE: https://score.moneywithcarla.com/wealthscore

If you've ever wanted to get a birds eye view of your financial "health" or score, this episode is for you.
Yes, your pay check makes a difference in your finances, but so many other aspects play into your financial well-being and whether or not you are secure and free.

Sign up for my FREE money masterclass: https://learn.moneywithcarla.com/registration-page-8f1bd599-6cc5-41f2-b25b-55e954afebb8
Get your FREE money goal setting worksheet: https://learn.moneywithcarla.com/your-money-goal-worksheet

We all set goals for the new year. But are you setting your financial goals just to have goals, or are you setting goals to actually achieve them?
In this video, I'm showing you exactly how to set financial goals you will actually achieve, no matter your income level.

Disclaimer: Content produced by Money with Carla is intended as educational...

Get your FREE financial freedom calculator: https://learn.moneywithcarla.com/financial-freedom-calculator
How to calculate your financial freedom number: https://youtu.be/O_YIGs_t4YU

Is 25 million enough for a 30 year old South African to retire?

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell...

Use my portfolio calculator: https://learn.moneywithcarla.com/offers/2JvHNqaD/checkout
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Try the same quiz I did: https://www.wealthscorequiz.com/

In this episode, I'm sharing my full net worth breakdown, plus revisiting some goals I set for last year and finally setting new goals for the new year.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could...

Get your FREE Financial Freedom Calculator: https://learn.moneywithcarla.com/financial-freedom-calculator

If you've ever wondered how you should even know what your target number for retirement or financial freedom should be, this is for you.
In today's episode I talk about everything that comes into play with the popular 4% rule and how it applies to South Africa. I also show you exactly how to calculate your financial freedom number using my calculator.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice...

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This week I'm running the numbers on whether this Cape Town property is worth keeping or should rather be sold.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does...

My FREE mini-course: https://learn.moneywithcarla.com/mini-course

If you find yourself Googling "How to give my kids a good financial future," this episode is for you.
This is a generational wealth plan that can work at ANY income level. You can start big or small, as long as you just start.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional...

Submit your question: https://learn.moneywithcarla.com/money-scenario

Is it best to hold on to or sell this property in Johannesburg, South Africa? Property investments are not always what they seem. So I compared a REAL house in Johannesburg to investing in the stock market.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.

Watch my FREE masterclass: https://learn.moneywithcarla.com/investing-masterclass-replay-opt-in-october-2025

Why is gold performing so well? What happens if it stops? And is gold even a worthwhile investment? All of that and more in this week's episode.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.
See full disclaimer on website.

Get My Money System here: https://learn.moneywithcarla.com/Money-System-Tool

Today we're talking about all things emergency funds. This is one of the most important blocks in your financial foundation, so it's important to get it right.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.
See full disclaimer on website.

Join my FREE, live masterclass: https://learn.moneywithcarla.com/materclass-october

The final episode of my 3-part series: The Formula to Building Wealth.
What is financial freedom actually? What does success mean? How will you know you've reached it? This week I talk about what financial freedom really is and why it's possible for any person to reach it.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not...

My FREE masterclass: https://learn.moneywithcarla.com/materclass-october

Part 2 of my 3-part series on the formula of wealth-building:
This week we're talking about what drawbacks you need to reduce or eliminate to build real wealth.

My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy...

Join my FREE upcoming masterclass: https://learn.moneywithcarla.com/materclass-october

This is the first episode of a three-part video series where I am talking all about the formula to building wealth. This week is about what you need to do more of, and the next episode will be about what you need to do less of.

Disclaimer:
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be...

Submit your questions: https://learn.moneywithcarla.com/money-scenario

This week, Carla answers questions related to retirement, RAs, employee share schemes and provident funds.

Disclaimer:
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible...

Sign up for my FREE mini course:
https://learn.moneywithcarla.com/mini-course

In this episode, Carla goes over the 3 stages of building wealth, a hidden asset most people don't consider as part of their net worth, and the most common mistakes and challenges people face in all 3 stages.