Money with Carla

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 smarte...

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...

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 committin...

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...

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...

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, t...

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 fi...

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...

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 s...

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 A...

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 shar...

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...

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 acti...

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,...

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 sa...

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 t...

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, a...

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...

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 fi...

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 lo...

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 or...

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...

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 cont...