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It has been a financial marathon this season, with hosts Arthi and Malika delivering a wealth mindset so that you can become your own financial superhero. What listeners may not have known, was that each epsiode this season was building up to a cape fitting ceremony. In this final episode of Season 4, Arthi and Malika unveil the Superhero Wealth Equation—Identity x Behaviour x Time x Community— a simple, multiplicative model that turns scattered advice into a focused plan you can actually stick to.

As a bonus, the hosts guide listeners through a reflective year-end Superpower Audit (click to download) to turn clarity into action. Along the way, they recap key lessons, share listener wins, and wrap with a peek at next season’s deep dive into the DDT: Debt, Death, and Taxes.

Listen in to Arthi and Malika:

• • tying ten episodes into a clear wealth formula
• • explain identity as the base for money confidence
• • unpack behaviour superpowers and why consistency matters
• • extoll about time and compounding as inevitability builders
• • emphasize community as stabiliser, accountability and legacy
• • underscore multiplicative thinking and zero-risk to the equation
• • offer a step-by-step Superpower Audit with actions

and so much more!

Go forth and multiply your wealth in 2026 the Swan Effect Superhero way!

Share 📢and write a review as Arthi and Malika continue on their mission to simplify the complexities of money management to empower you toward financial freedom, becoming your own financial superhero, and passing on your superpowers too!

This #podcastepisode is proudly sponsored by Old Mutual Wealth.

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As we get closer to the end of 2025, Arthi and Malika offer listeners the opportunity to press pause, clear the financial fog, and build a values-led plan for the year ahead with simple tools that turn overwhelm into focused action.

This episode is jam-packed with reflective questions, simple frameworks, practical rituals, and next steps to show you how clarity grows when money decisions match what matters most.

Listen in as the co-hosts talk about:

• Why do we lose clarity through overload, opinions, and emotion
• How awareness is the first power move
• Considering budgets and doing emotional check-ins
• The 3R Review: reflect, reframe, refocus
• A five-minute clarity journal
• Purpose-based choices guided by values
• Debt versus investing through a holistic lens

And to give you practical ideas, keep on listening to the inspiring Activation Capes, the micro superpowers that can help you finish your year grounded and focused.

• Clarity Capes - to help you clear the financial fogs, like the Mirror Moment or the Values Compass
• Action Capes - simple steps to reboot your budget, or reset your plan, like the Iron Heart Build or the Okoye Discipline Drill
• Purpose Capes - ways to align your money with your mission, like the Vibranium Vision Board or the Kwezi Community Act
• Mindset Capes - small daily habits that restore calm and control, like the Wonder Pause or the America Chavez Portal

Plus so much more!

If you're looking to gather yourself and prepare for pre- and post-holidays this is the episode for you!

Share 📢and write a review as Arthi and Malika continue on their mission to simplify the complexities of money management to empower you toward financial freedom, becoming your own financial superhero, and passing on your superpowers too!

This #podcastepisode is proudly sponsored by Old Mutual Wealth.

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Following on the theme of Legacy from the previous episode 8 of this season, Arthi and Malika engage with the idea that legacy isn't just about the money you leave behind—it's about preparing, protecting, and empowering the next generation with thoughtful planning and clear communication. In the current episode the hosts help you armour up with essential tools like wills, estate planning, and the life file to create a meaningful legacy that outlives you.

Listen in as Malika and Arthi discuss how:
• Wills serve as your superhero shield, protecting your family from unnecessary battles and giving you control over inheritance, guardianship, and estate management,
• Without a will, the Interstate Succession Act decides who gets what, potentially causing confusion, disputes, and financial hardship for your loved ones
• Common estate planning mistakes are made, which include outdated wills, insufficient liquidity, conflicting documents, and vague wording that can trigger family disputes,
• A life file (or "pop-off file") should be created and updated, containing everything your loved ones need—will copies, ID documents, bank details, insurance policies, property deeds, passwords, and key contacts,
• Estate taxes can be the villains of legacy planning, with capital gains tax, estate duty (25% on estates over R3.5 million), and executor's fees taking chunks of your estate,
• To use strategic planning tools include properly structured trusts, adequate life cover, diverse asset allocation, and lifetime giving (taxed at 20% vs 25% estate duty),
plus so much more!

🦸 Golden Takeaway:
Legacy is the cape that outlives you — wear it proudly, and pass it on with purpose.

Share 📢and write a review as Arthi and Malika continue on their mission to simplify the complexities of money management to empower you toward financial freedom, becoming your own financial superhero, and passing on your superpowers too!

Freebie: Download our practical legacy planning checklist to get you started today!

This #podcastepisode is proudly sponsored by Old Mutual Wealth.