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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.
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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 goal amounts correctly while including buffers for taxes and inflation.
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.
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 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. Sing up for my Insider Letter!
Sign up for my FREE masterclass: https://learn.moneywithcarla.com/registration-page-256ef41f-876a-45bd-9817-b684d547598d
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 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.
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 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.
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 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.
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 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. Stuck In High-Fee Investments? 6-Year Rule Video · Sign up for my FREE Investing Masterclass!
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 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.
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 cars outperform the stock market?
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.
Sign up for my FREE money masterclass: https://learn.moneywithcarla.com/registration-page-8f1bd599-6cc5-41f2-b25b-55e954afebb8
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 showing you exactly how to set financial goals you will actually achieve, no matter your income level.
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.
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. 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.
Use my portfolio calculator: https://learn.moneywithcarla.com/offers/2JvHNqaD/checkout
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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 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.
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.
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