DiscoverThe Swan Effect - Creating and Sustaining Your Financial Wellbeing
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
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The Swan Effect - Creating and Sustaining Your Financial Wellbeing

Author: Arthi Rabikrisson and Malika Petersen

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Money makes the world go round, and if this is true, do you struggle to understand the complex workings of finance, money and investments? Join us, Host Arthi Rabikrisson and co-host on Season 2 Malika Petersen, both women in finance, as we delve into simplifying the complexities that come with managing your finances and investments. The theory of Black Swan Events is a metaphor that describes an event that comes as a surprise, has a major effect, and is often rationalized after the fact with the benefit of hindsight. The opposite of that are White Swan Events which are characterized as being more certain. Because life can be uncertain, there are Grey Swan areas and The Swan Effect is a monthly podcast that dives into some of those grey areas to empower persons in all walks of life to make better money decisions, and ultimately improve their relationship with money. A tribute and thank you to the late co-creator and co-host on Season 1 of the Swan effect podcast, Lucille Sikosana: you set the benchmark high, and we are proud to continue to elevate the important message on financial wellness and financial literacy globally. Your tenacity and optimistic attitude will always be the wind beneath our wings.
56 Episodes
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Send us Fan Mail A loan can open a door. What does it take to keep that door open once the repayments begin? In this episode of The Swan Effect, Arthi Rabikrisson and Malika Petersen follow the money behind borrowing: who receives an opportunity, who earns an income, and who carries the risk when circumstances change. Through South African stories and everyday borrowing decisions, they explore the distance between the relief of receiving money and the reality of paying it back. Debt can help ...
Send us Fan Mail What if one of the most important financial legacies we leave our children isn’t money at all? It’s the way they learn to think, feel and talk about it. In this episode of The Swan Effect Podcast, Arthi Rabikrisson and Malika Petersen explore what it really means to raise financially free kids — not necessarily children who grow up wealthy, but children who understand money without being controlled by fear, shame or silence. From the phrases children hear when money is tight,...
Send us Fan Mail Nobody likes talking about death, illness, or the moment you cannot manage your own affairs. But avoiding it does not protect your family, it just leaves them guessing at the worst possible time. In this latest episode, Arthi and Malika discuss why planning for death or incapacity is not morbid, but a practical act of love that protects the people we leave behind. They turn a heavy topic into a simple “If Something Happens”, a tool that reduces admin, conflict, and debt...
Send us Fan Mail Debt rarely arrives alone. It often arrives carrying silence, shame, duty, loyalty, expectations, and unspoken assumptions. In this episode of The Swan Effect Podcast, Arthi and Malika explore one of the most emotionally charged intersections in personal finance: debt and relationships. From hidden credit cards and undisclosed loans to family obligations, black tax, financial infidelity, and money boundaries, this conversation shines a light on the realities many households f...
Send us Fan Mail Side hustles feel like freedom until tax reality arrives and you realise every deposit is not fully spendable. In this episode cohosts Arthi and Malika break down the simple systems that keep you compliant with South African Revenue Service (SARS), clear on profit, and calm when filing season hits. Listen to them explore: Why side hustle income is not always fully “spendable” The difference between revenue, expenses, and profit Why organisation is not ju...
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