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

Sign up for my FREE masterclass: https://learn.moneywithcarla.com/registration-page-93bfb0ec-8c2c-42d3-8bbd-3cee327c9475 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.

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.

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.