Money with Carla
I'm a qualified accountant and investment professional with an MBA on a mission to enable smarter money choices and talk about things we all should've learned in school. I will share my lessons on money, life, and careers and I hope to encourage you to invest your own money, manage your personal finances better, and become more confident in your own money skills.
Episodes
Buying or Renting in 2027? (The 7% Rule)
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
RAs Are NOT For Everyone
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 committi
Estate & Trusts (Tax Expert Is Back)
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
Big Name Funds Underperform. What are you paying for?
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 acti
Anzel Rabie | Stellenbosch & Afrikaans Money-Culture
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.
To DIY or not? EasyEquities Expert Answers Your Questions.
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,
From Consumer to Creator (Building Digital Capital)
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
Tax Season is Open. Your Questions Answered by a Tax Expert
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 you
Uleen Fourie: Fitness, Family & Finances (all at once)
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
New SARS Travel Form: What You Need to Know with Tax Expert
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
AI Chat with Daniel (My Husband / AI Expert)
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
How I Invest For My Kids (TFSA and Education Funds)
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
Index Funds Explained (The Simplest Way To Build Wealth)
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 act
The Investment Product I Avoid And Why
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
New Research, New Rules (New Study Challenges Everything We Know About the Right Portfolio Split)
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 s
Is Your Investment Property ACTUALLY Profitable? (How to Realistically Check)
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
South African Expats: Leaving SA Does Not Mean Leaving SARS Behind
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,
Stop Guessing Where Your Money Should Go (Do This Instead)
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
The Complete 90-Day Money Reset (EASY Steps to Take)
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 f
Everything You Need to Know About Trusts as a South African (with Tax Expert)
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 l
Why Some High Earners NEVER Build Wealth
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 o
The Best Way To Invest Is Also The Cheapest And Easiest
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 intende
Top 10 Worst Financial Mistakes You're Making Right Now
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 con
Financial Goals Feel Impossible? Here's What You're Doing Wrong
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 goa
How Much House Can You REALLY Afford?
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 inv
Saving is NOT going to make you rich. Here's why
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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 Carl
Should You Pay Off Your Mortgage Or Invest? (Detailed Analysis)
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
Every South African Needs This Investment Account
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 M
Stuck In High-Fee Investments? 6-Year Rule
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 doe
How To Prep For Retirement At Age 40+
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
Best And Worst Alternative Investments - Bags, Art, Watches vs. Stocks
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 c
Your Pay Check Doesn’t Matter Without These 7 Things
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.
The ONLY Money Goals You'll Need in 2026
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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 sho
Why 25 Million Might Not Be Enough To Retire
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. A
My Net Worth Update 2025 (Full Breakdown)
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 pro
How Much Do South Africans Really Need to Retire?
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
Sell or Keep the Cape Town Property? (Moving Abroad)
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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 inves
5 Steps Wealthy Parents Take to Set Kids Up For Financial Success
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
Johannesburg Property: Sell or Hold On?
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 pr
What's REALLY Behind Gold's Performance - And Is It Worth Investing In?
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 ad
The #1 Financial Safety Net You Need to Survive Economic Downturns
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 cons
Stop Chasing the Wrong Financial Goals - What Financial Freedom Actually Means
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 wi
Stop Doing These 5 Things and Watch Your Wealth Grow
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 rega
What the Rich Do Right (And It’s Not Earning More)
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 ad
Don’t Lose Out! How to Make the Most of Employer Pensions and Benefits
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 o
It's Not Just Money: What Really Counts Towards Your Net Worth
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.
How Much YouTube Pays Me (EXACT numbers)
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.
This Popular Strategy Will NEVER Make You Wealthy
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.
Dis
Can You REALLY Afford It? How to Make Big Purchases Without Regrets
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.
How You’re LOSING Up To 67% Of Your Investment Value
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, video
Simple Ways of Investing for Busy Moms to Build Wealth
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
Why Most People FAIL to Build Wealth
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 constitu
Buy or Rent, Earning $ in SA, Advisors, and Expat RAs
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 recommen
Outlier Properties, Earning and Investing Offshore & What Currency to Invest In
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
The Stock Market In SIMPLE Terms
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
Risky Investments, Access Bonds & a TFSA at 58
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/@Money
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