Claim OwnershipThe Woman & Finance Podcast
Subscribed: 94Played: 599
Subscribe
© 2026 The Woman & Finance Podcast
Description
Hi, I’m Mapalo Makhu, your host, personal finance educator, and author of You're Not Broke, You're Pre-Rich. I hold a BCom Finance degree, a Postgraduate Diploma in Financial Planning and a Postgraduate Diploma in Investment Planning, with over 10 years of experience in the financial services industry. More importantly, I’m deeply passionate about empowering women to take charge of their financial futures.
This podcast is a judgment-free space for open and insightful conversations about money—without the confusing jargon. Whether you’re looking to budget more effectively, get out of debt, start investing, or build lasting wealth, this is the place for you.
Each episode brings you practical advice, expert insights, and real conversations designed to help you make informed financial decisions with confidence. Because financial freedom isn’t just for a select few—it’s for everyone ready to take control.
If you’re on a journey to financial wellness, hit follow and be part of a community committed to building wealth and securing their futures.
Let’s learn, grow and thrive—together.
51 Episodes
Reverse
Tribe, your money habits didn’t just appear out of nowhere! They were built in your childhood home; in the conversations, the struggles, the wins, and the fears you grew up around. In this video, I tell the story of two young men who grew up with financial hardship… but made very different money choices as adults. Because before we change our finances, we have to understand our money story. Watch this and reflect: What money vow did you make growing up? Don’t forget to like, share, and su...
In this episode, I break down how banks think about affordability, how interest rates impact your bond, and why your monthly repayment matters just as much as the purchase price. I will walk you step-by-step through real online home loan calculators and repayment calculators so you can see, in practice, how the interest rates impact your long-term finances. You’ll learn: How interest rates affect your bond over time How to use home loan calculators with confidence Whether you’re a first-tim...
Tax-Free Savings Accounts are one of the most powerful (and misunderstood) investment tool in South Africa, so in this podcast, I’m answering the questions I get asked all the time about TFSAs. We cover: • What a Tax-Free Savings Account actually is • How much you can contribute (and what happens if you go over) • Whether a TFSA is a savings account or an investment • When you should (and shouldn’t) withdraw your money • Common TFSA mistakes that can cost you in the long run • How to use a T...
What does a real investment portfolio look like? In this video, I open up about what I actually invest in, how my thinking has evolved over time, and why financial security is about more than just returns. I’d love to hear: what’s the first investment you ever made?
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 proo...
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 ...
Episode 8 ✨ What if your money could double without you lifting a finger? That’s the power of compound growth — one of the simplest, yet most powerful ways to build long-term wealth. 🌱💰 In this episode of the Santam Insure Your Future Money Bootcamp, Maya and I unpack the Rule of 72, explain how compounding really works, and share why staying invested is the ultimate game-changer for your financial future. Using real market insights, they highlight practical strategies to help you grow cons...
Episode 7 We don’t always think about it this way, but marriage isn’t just about love, the dress, and the big day — it’s also a legal and financial contract. And the truth is, the marriage contract you choose can shape your financial journey in ways you may not even realise. In this episode of the Santam Insure Your Future Money Bootcamp, Maya Fisher-French and I sit down with attorney and mediator, Lerato Seroke, to unpack everything you need to know before (and after) saying “I do.” Here’s ...
Episode 6 In this episode of the Santam Insure Your Future Money Bootcamp, Maya Fisher-French and I sit down with Nonhlanhla Bakasa, founder of AdoWord Multimedia. Nonhlanhla shares her incredible story of living with a disability since the age of 12, after a spinal injury, and gives us an honest look at the physical and financial realities that come with it — from daily costs to navigating medical aids, insurance, and even the road accident fund. We’re also joined by Stian de Witt, Certif...
Episode 5 In this episode of the Santam Insure Your Future Money Bootcamp, my co-host Maya Fisher-French and I sit down with Brian Mphakoanyane from Summit Financial to unpack one of the most important conversations in personal finance: DEBT! From credit scores to debt counselling, Brian breaks down the realities of borrowing, the traps to avoid, and the practical steps you can take to get back in control of your money. We talk about: ✅ The difference between good debt and bad debt ✅ How yo...
🎧 Episode 4: Budgeting as a homeowner Buying your first home is exciting — but it can also be overwhelming if you don’t know what to look out for. In this episode of the Insure Your Future Money Bootcamp, Maya Fisher-French and I chat about the home-buying journey of one of her mentees, who’s right in the middle of it all. We share the real stuff — the lessons, the “I wish I’d known” moments, and the practical tips that can save you a lot of stress (and money) down the line. From und...
💬 "If I knew then what I know now…" In this Women’s Month special, I sit down with Michelle Green, Credit Analyst at Prescient Investment Management, to unpack the money lessons she wishes she’d learned in her 20s and 30s. From early financial mistakes to building confidence as an investor, Michelle shares practical tips, personal reflections, and why she believes the future is female and financially secure. We talk about: ✅ Lessons from her money journey ✅ Why financial independence is no...
Episode 3: In this episode of the Insure Your Future Money Bootcamp, we speak to Thokozani, one of my former mentees, about her journey from financial stress to confidently managing her money. She shares practical budgeting techniques using a combination of apps, spreadsheets, and traditional methods, as well as how she manages unexpected expenses and uses her side hustle income intentionally. Thokozani also reflects on how budgeting has changed her family's approach to money, encouraging o...
Episode 2: Tax season is here and often brings stress and confusion — but it doesn’t have to. In this episode of the Santam Insure Your Future Money Bootcamp, my co-host Maya Fisher-French and I are joined by tax expert @AndreBothmaTax to simplify the filing process and empower you to handle your taxes with confidence. We cover everything from SARS auto assessments and why you should review them carefully, to the importance of filing — even if you’re a student or freelancer. Andre al...
Episode 1: Money isn’t just about numbers — it’s emotional. In this episode of the Santam Insure Your Future Money Bootcamp, my co-host, Maya Fisher-French and I, explore the hidden impact of financial trauma. From the money messages we absorbed as children to the silent promises we made to ourselves (like "I’ll never be broke again"), our past experiences often shape how we earn, spend, save, or avoid money altogether. We talk about how these deep-rooted patterns show up in adulthood —...
A breakdown on how to read your Pension/Provident fund statement. Watch the video here: https://www.youtube.com/watch?v=XCgEplpYyRk #pensionfunds #retirementplanning #riskbenefits
Retirement is a major life shift—and if your parent is about to retire, you need to be part of the conversation. In this episode, I break down the key decisions they’ll face (like choosing between a life or living annuity), tax implications, estate planning tips, and how you can guide them with confidence. 💼✨ #RetirementPlanning #AnnuitiesExplained #WomanAndFinance #FinancialWisdom
Are you raising a money-smart child? 💰 Teaching kids about money isn’t just about giving them an allowance—it’s about shaping lifelong habits that lead to financial independence! In this video, I share practical, everyday ways to teach your kids how to manage money, make smart spending choices, and develop a healthy relationship with finances. #personalfinance #moneytips #kidsandmoney
Ever wondered about the difference between Tax-Free Savings Accounts and Retirement Annuities? In today's podcast, I discuss the benefits and limitations of both these investment vehicles. Enjoy! Don't forget to follow me on: Instagram: https://www.instagram.com/mapalomakhu/ TikTok: https://www.tiktok.com/@mapalomakhu?_...
1. Get Married in Community of Property 2. Take on Credit in Your Name for Someone Else – redflag!!!!! 3. Lend Money to Friends and Family 4. Ignore SARS! 5. Give Up Your Power – Don’t Be a Damsel in Distress
Comments
Download from Google Play
Download from App Store
United States