Money with Carla

Sign up for my FREE Investing Masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1 I always preach this: Keep your fees low to maximise portfolio growth. But what if you're already invested in high-fee products? Today I'm introducing my 6-year rule for exiting high-fee products. 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 investment products. Stuck In High-Fee Investments? 6-Year Rule Video · Sign up for my FREE Investing Masterclass!

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 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

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. 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

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 wealthy, even with an average income. Watch videos on retirement planning: How to prep for retirement at age 40+: https://youtu.be/qy8SICv2fCg Find your retirement number: https://youtu.be/O_YIGs_t4YU Why R25 million might not be enough to retire: https://youtu.be/ll_BuoyGFxs 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 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

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 in investment products. Money With Carla is not a licensed advisor and does not sell investment products.

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 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 investment products.

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 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 investment products.

Become a Money with Carla Insider: https://learn.moneywithcarla.com/newsletter-signup 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 not a licensed advisor and does not sell investment products. Sing up for my Insider Letter!

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 a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.

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 in investment products. Money With Carla is not a licensed advisor and does not sell investment products.

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 professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.

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 a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.

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 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 investment products.

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 investment products.

Use my portfolio calculator: https://learn.moneywithcarla.com/offers/2JvHNqaD/checkout Sign up to my newsletter: https://learn.moneywithcarla.com/newsletter-signup 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 include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.

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. 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 investment products.

Subscribe to my newsletter: https://learn.moneywithcarla.com/newsletter-signup Submit your question: https://learn.moneywithcarla.com/money-scenario 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 not sell investment products.

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 before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.

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 a licensed advisor and does not sell investment products. See full disclaimer on website.

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 of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer.

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 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 for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer.

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 for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer.

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.

Join 12k Insiders in subscribing to my weekly Insider Letter: https://learn.moneywithcarla.com/newsletter-signup This week, I'm revealing exactly how much YouTube pays me as a finance and investing content creator with 20k subscribers.

Get your FREE Financial Freedom calculator: https://learn.moneywithcarla.com/financial-freedom-calculator Why I would choose index funds over ANY other investment: https://youtu.be/MSq33kRqMOQ?si=qJ_jpdG3o7utau-O Carla talks about why you need to do more than save in order to become wealthy, her education-risk curve, and what is the right amount of risk to take in your investment portfolio. 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 for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer.

The Money System I Use: https://youtu.be/qxiDtoAaouM?si=_OlhAthb5k8leTrn In this episode, Carla talks about when you can REALLY afford something, when it's best to buy something cash or with a loan, and lifestyle creep.

Carla uses her Investment Plumbing Framework to explain how layered investment fees are reducing the returns your investments generate and how you can reduce fees drastically. Watch the FREE masterclass: https://learn.moneywithcarla.com/investing-masterclass-opt-in-August-2025 Watch the video on Index ETFs: https://youtu.be/MSq33kRqMOQ?si=7TeRK2Li7Z2gr06D 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 for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer.

Carla talks to Marisa Tallie from fitmom podcast about investing to build wealth, overcoming outdated money mindsets, side hustles, and how to unlock your entrepreneurial spirit. Stay up-to-date on Money with Carla: Instagram: @moneywithcarla YouTube: @MoneywithCarla TikTok: @moneywithcarla Sign up for the Money with Carla insider letter: https://learn.moneywithcarla.com/newsletter-signup

Watch my FREE masterclass: https://learn.moneywithcarla.com/investing-masterclass-opt-in-August-2025 My Budgeting Tool: https://learn.moneywithcarla.com/Money-System-Tool In this episode, Carla talks about the biggest reasons why most people (including high earners) never build wealth and how you can set yourself up for success. 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 for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer. My FREE Masterclass · My Budgeting Tool

SUBMIT YOUR QUESTIONS: https://learn.moneywithcarla.com/money-scenario Carla answers your questions about buying versus renting, earning in USD as a South African, what to do with your RA as an expat, and whether you need an advisor. 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 for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer.

SUBMIT YOUR QUESTIONS: https://learn.moneywithcarla.com/money-scenario INVESTING COURSE WAITLIST: https://learn.moneywithcarla.com/invest-with-confidence-the-complete-guide-to-smart-investing-1 In this episode, Carla talks about the importance of taking calculated risks in your portfolio, an outlier property investment, whether you should invest in dollars or euros, and offshore investing as an expat. 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 for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer. Submit Your Questions · Join the flagship investing course waitlist

In this episode, Carla breaks down what the stock market really is and how it works. Understanding this concept is a key step on your journey to building wealth. Get started with the free mini-course: https://learn.moneywithcarla.com/mini-course Join the flagship investing course waitlist: https://learn.moneywithcarla.com/invest-with-confidence-the-complete-guide-to-smart-investing-1 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 for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer. Get started with the free mini-course · Join the flagship investing course waitlist

In this Q&A, Carla takes a casual, candid approach and answers your personal finance and investing questions. She covers whether property is the smartest investment in your 20s, how to handle emergency funds, and if a Tax-Free Savings Account is worth it at 58. Submit your questions: https://learn.moneywithcarla.com/money-scenario Instagram: @moneywithcarla YouTube: https://www.youtube.com/@MoneywithCarla Website: https://www.moneywithcarla.com/ 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 for decisions based upon any of her content. Do your own research before investing. See website for full disclaimer.