In South Africa, less than 15% of people die with a valid will — and that means the State decides what happens to everything you’ve worked for.

In this episode, Moremadi Mabule joins me to break down wills, trusts, marriage contracts, and how to protect your family from financial chaos when you’re gone.

We cover:
⚖️ What happens when you die without a will (intestate)
👩🏾‍❤️‍👨🏾 How marital contracts affect inheritance
👶🏾 Protecting your children’s inheritance through trusts and beneficiary funds
💰 Liquidity, debts, and the real cost of dying unprepared
🗂️ Why you need a “Life File” — and what to include


🎧 Listen. Learn. Put a plan in place.

#YouDontDieForFree #EstatePlanning #WomanAndFinance

Episode 10

After six impactful months, we wrap up the Santam Insure Your Future Money Bootcamp with powerful stories that show just how much life can change when you take control of your finances.

In this final episode, we reflect on the lessons and breakthroughs our participants experienced — from paying off debt and getting promoted, to learning how to read their provident fund statement, to making their first investment confidently, to finally feeling at peace with their money. It’s proof that when you take charge, your money starts working for you.

Here’s what you’ll take away:
• How structure and intentional planning create space for financial growth
• Overcoming the fears and limiting beliefs that hold you back
• Setting healthy financial boundaries with family and loved ones
• The long-term power of small, consistent money decisions
• How to enjoy your money and still build towards financial freedom

Our participants’ stories remind us that real change is possible for anyone willing to take that first step. Many have become debt-free, built emergency savings, inspired their families to do the same, and even advanced in their careers after gaining financial stability.

The big lesson? Financial freedom isn’t just about numbers — it’s about mindset and building habits that create lasting results.

If you’re ready to shift your money story, start with this episode — or listen to the full Money Bootcamp series. It’s your roadmap to financial wellness.

#SantamInsureYourFuture #Moneybootcamp #PersonalFinance #Wealth

Episode 9

Can you really afford to retire before 80???

In this week’s Money Bootcamp, my co-host Maya Fisher-French and I unpack the reality that most South Africans can only afford to retire comfortably at 80 — if at all.

We break down what it really takes to retire by 65, why so many fall short, and how to turn things around — from saving earlier and smarter, to building multiple income streams and planning for a longer life.

It’s not all doom and gloom — there’s still hope if you start now!

💡 You’ll learn:
• What replacement ratio really means and why it matters
• Why budgeting and tracking your expenses is key to retiring comfortably
• Simple strategies to grow your retirement savings
• How lifestyle creep can sabotage your long-term plans
• The biggest myths about retirement and what to do instead

#MoneyBootcamp #WomanAndFinance #SantamInsureYourFuture #RetirementPlanning #FinancialFreedom