Working Women's Wealth: The confidence to grow yourself and your money to achieve your goals and dream retirement

Does life these days seem to be a never-ending list of bills to pay? With our stress levels rising more and more, it's time to look at the REAL reasons we do what we do...   Budgets don't work... but I'll give you a strategy for what does.  

Is your income irregular? With some months where you earn BIG, and some months where you earn nothing?  When one of the biggest causes of financial stress is having an inconsistent income (and not being able to plan your work and personal expenses), you won't regret taking the steps outlined in today's episode. These five steps will help you smooth your personal income, even if your work income is all over the place!

Do you have complicated emotions (including guilt) around the subject of giving money to beggars? Living in a country with an official unemployment rate of 33%, where the majority of the population live below the breadline, it's hard not to. Who do you give to? When do you give? What do you give? In today's episode we touch lightly on how to help those around us.

Have you ever looked at your life and wondered how on earth God is going to tie all of your chaos together to make a story that works? Some days it can feel hard to believe that God is somehow able to juggle the enormous complexity of billions of lives, and in this week's episode we delve into Luke 2, where we see how God brings together the bigger picture, and I teach you a tool that you can use to help you have faith when you can't see how everything could possibly work out in the end.

Have you ever read some of the promises in the Bible and thought, 'God must have promised this for other people, because it's sure not meant for me,' because the facts of your situation look nothing like the peace, joy, love and prosperity that the Bible often talk about... Today we're going to take a deeper look at the back-to-back in Luke 1, of Zechariah and Mary, and take courage that God is a God of promises.

Despite consistent, sincere and devout prayer, do you sometimes feel like God isn't listening? And when it feels like he isn't answering your prayers, do you ask yourself why?   With a modern-day parable, I'd like to share a profound discovery I made this weekend. Perhaps you can relate it to your own life and ultimately learn how to move past your comfort zone in order to do God's work.

Have you ever wondered how you can experience spending freedom today whilst ALSO saving for tomorrow? And why you still battle to achieve financial security and enjoy wealth (despite all the information available on the subject)? Today's guest may have some of the answers for you. CFP, wealth advisor, and author of the book ‘Live WELLthy', Dawn Dahlby is on a mission to teach you how to OWN your worth and GROW your wealth.

Despite your best attempts to get financially free, is your money STILL out of your control? Then it may be time to dig a little deeper… After speaking to a number of clients this week (of many different circumstances and walks of life), I've come to believe that if you can take these four steps to change your money, you will RADICALLY change your life. Not complicated (nor very technical), they're difficult only because they go to the CORE of who you are and what you believe, and therefore directly affect your money mindset!

Do you find that with the passing of time, you've become happier in your skin? Less concerned about what others think of you? It's one of the joys of growing up. Yet despite that marvel of aging, there is still a courage that is required when making decisions for your life (and your work) that are MORE in alignment, and closer to your own truth. Today I'm starting a new shedding, knowing that the life I want is on the other side of these fears that are keeping me stuck... The time to be brave to be free is now.

How much of your money is tied up in the home you live in? And, do you think of it as an investment or as an expense? In this episode, I'm going to tell you the three things I need you to know about the home you live in, and why it is in fact NOT an investment. It's important to understand how your home features in your financial life, so that you can make the best and most informed decisions for your future.

Do you LOVE working from home, but now your boss wants you back in the office? Or are you on the other end of the spectrum, leading a team of people who don't want to go back to the way it used to be? Is tech enabled hybrid working here to stay? The pandemic resulted in a massive acceleration of digital transformation that radically changed the way we work. Businesses and leaders are now trying to work out where they want this work model to settle. In this week's episode one of the top 10 global influencers and thought leaders on digital transformation, Kamales Lardi shares her thoughts on the future of digital business solutions.

Have you staggered out of the holiday season in more debt than you'd care to mention? A silent killer of mental health, debt can feel shameful and insurmountable, but using the six steps in this episode, you CAN get out of debt and be debt free forever! The question is, how badly do you really want it?

Are unexpected expenses derailing you, making you struggle to stick to your own budget? Let me reassure you that you're not alone! We all want our expenses to fit within the money we earn, and it can be both a frustrating, and a seemingly impossible cycle to end. In this episode I'm going to tell you how to break this cycle in the year ahead, and give you the key tool I use for myself, and my family, and the one I teach all of my clients.

Have you recently lost a loved one, or been called to help out? Loss of a loved one is one of the hardest things that anyone could ever go through but it is made worse because of the admin, and financial impact of frozen bank accounts and loss of income. In today's episode I'm going to take you through the whole process – what happens when someone passes away, and the immediate priorities that need to get done as soon as is possible. If you (or a friend) are in need of this information, I'm truly sorry that you've found yourself in this position. The most important thing, is to take it one step at a time…  

Do you want to know how you can have what you want? You just need to learn to use my tool 'Worth It', because it IS possible. You CAN have anything you want! Anything. But not everything... Listen to this week's episode for the 'how'.  

Have you ever wondered if there are things that you can do that won't cost a cent but may greatly change your life? Recent research suggests that there IS something that you can do that could dramatically change the path of your wealth creation. The global investment, information and asset management firm, Morningstar, calls it the ‘Mental Time Horizon'.

What if success is not random? What if there is a science behind HOW to achieve it? According to research, that's exactly the case. It IS possible for people like you and me to reach great heights! Today I'm going to do the work for you, and summarise the findings of researchers to create a checklist that will help you achieve your WILDEST dreams.

Have you ever wondered if there are a set of rules in the workplace that govern why some get advanced through their careers and others don't? And in particular, why there are so few women holding the highest jobs despite so many entering the workforce? And why men get paid 17% more than women? Patricia Kennedy researched this and just wrote a book about it! In today's episode, I chat with her about a woman's game plan for success...

Do you have a little cash to invest, but find that overwhelming financial jargon stops you from investing? Do you REALLY understand the difference between retirement funds, tax free investments and unit trusts, and why you should invest in one and not the other? In today's episode, I demystify all of it!

Are you an entrepreneur who feels that the pandemic knocked you a little off course? Today's guest is an entrepreneur who says that your purpose isn't about WHAT you are doing, but about your reasons for doing it. Today I'm chatting to Nwabisa Mayema from The Branson Centre of Entrepreneurship about the impact of COVID on entrepreneurship, and the innovative solutions they're looking into.

Did your parents ever tell you that money doesn't grow on trees? What if I told you that they were wrong? Money DOES grow on trees, and I'm living proof. In this week's episode I give you the three steps that I used to become financially free, so that you too can start to grow your money tree.

Are you charging less than you're worth? Or are you struggling to ask for a raise? Whilst there ARE long-term consequences to undercharging, your value is less determined by a number and rather by a combination of three beliefs. Andrea Liebross is a business and life coach who helps women discover the possibilities of their best life. In today's episode she explains how to know your worth.

Have you ever wondered how you could build a business from nothing to one million dollars in 10 months? Kirsty Verity did exactly that! Whilst based in Bali and Australia, this British dynamite leveraged the huge selling power of Amazon to sell just three fitness products, justifying the brave decision she made to leave her executive 9-5 job in pursuit of the freedom to live life on her terms. In this episode, she takes us step-by-step through the process of how YOU can do the same.

Are you a mom who needs flexible hours so that you can work AND be there for your kids? Phillipa Geard noticed moms just like you in similar situations, and so she created a solution.  Recruit My Mom is an online recruitment agency that matches skilled jobs with skilled moms who require flexible ways of working. In this week's episode Phillipa talks about being driven by a sense of purpose, the challenges mothers face rejoining the workforce, and the complexities of hybrid flexibility.

Are you REALLY bad with money, or is that simply an excuse to not tackle your financial troubles? The thing is, we ALL want to make great strides with our money, but most of us weren't taught how! In today's episode I share with you a tiny secret that will have a huge impact on your finances with minimal effort, so that you can take the first step to getting on top of your money.

Are you interested in investing offshore but don't know where to begin? In explanations that we can all understand, our guest today helps us to untangle the complicated world of international investing. Naledi Makiwane is an investment specialist at Coronation Fund Managers, and in this episode she speaks about the value of offshore investing, the importance of having a disciplined approach to your investment behaviour, and the ways in which YOU can invest offshore.

Are your parents feeling weighed down by the invisible pressure to leave you an inheritance? If so, it's time for you to free them from that burden. You see, the rules of the game have changed, and in this week's episode I talk about the new definition of inheritance, as well as five tips that will make supporting your parents a little bit easier.

Do you have any idea how much you're paying for your life insurance? Life insurance is pure math and probability, and becomes more expensive the later you take it in life. I've had clients who have paid for life insurance their whole life only to have to give it up in retirement (when they're most likely to need it) because they made this ONE big mistake when they chose their life insurance… Today I'll share this, and a few other common mistakes people make when it comes to life insurance.

Would you believe it if I told you that your car's costing you R8,6m? It might even be costing you MORE than that! We have so many false beliefs about cars, and today we're going to bust those myths and show you a way that you can be financially free.  

Are you struggling to conquer an aspect of your health, wealth or relationship? The reason may be that you're focusing on what you don't have, rather than on what you DO have… In today's episode I take a spiritual look at money, and on some ways to change our thinking so that we may change our lives for the better.

When you think about money, is your prevailing feeling one of peace or dread? Because the real challenge is, if you're not on top of your money, your brain WILL be stressing about it. In today's episode I give you the 5 A's that will help you stop stressing, as well as two questions that will deepen your understanding of where you are in relation to your money.

Is the money that your company is taking towards your retirement enough for you to live off? The truth is, it's probably not...   If you're assuming that it is, then you need to listen to this weeks episode!    

The question I get asked most is "How much money do I need in order to stop working?" Ever wondered about that? Stop working.  Freedom to choose how you spend your time.  Where you spend it... with whom you spend it... and IF you choose to work. The biggest mistake I see people making is NOT KNOWING that number. WHY?  Well here's the problem... Your subconscious KNOWS you aren't saving enough... so it becomes an energy drain, an invisible stressor That's why I believe we should all know How much do you need, in today's money in order to retire? (and do that calculation each year) How much do you need to contribute each month from now on to hit your retirement number? What if you can't contribute that much... how close will any additional contribution you make from now on get you to your goal?

With hidden fees that could eat away at your investment growth, have you asked your investment manager about the fees that you're paying on your investments? In this week's episode are some of the 'tricks' that the industry uses, and how you could LITERALLY have half the money you should have over time if your fees are not up to speed

In your home, who do you believe works the hardest - the partner who stays at home or the one who goes out to work? The World Out There would have you believe it's a certain way, and having recently caught myself doing the same thing, I thought it wise to shine a light on one of these deep patterns that keep us stuck. In today's episode we explore the myth that men believe and women perpetuate.

What do YOU think the best thing is about being financially free? I'm willing to guess that it's not really what you think it is... It's even better! Imagine if you could choose: how you spend your time; IF you want to work; WHEN you work, WHERE you work and with whom? All of that (and more!) becomes possible when you're financially free. So choose today to start creating a life that you would freely choose.

With tax year end rapidly approaching, are you feeling a little out of your depth? When it comes to investments, often people don't realise that they have to declare the tax on them. But there are tax breaks available! In today's episode I talk about the tax breaks you can utilise with your investments, as well as some other important tools to maximise at the end of the tax season.

When things don't work out in the timeline that you expect them to, do you feel compelled to give up on your dreams? Don't. It's not over. In today's episode I talk about why we stop dreaming, and what quality (as well as its key ingredients) you need more of to increase your chances of being successful. Have faith and don't give up. Something good is coming.

What would make your life better? I'd be surprised if you didn't say a higher income, most people do!   No matter how much we earn, we think that more money would make our lives easier...   In the same way that Parkinson's law states that "work expands so as to fill the time available for its completion", so it is with money: the more you earn, the more you will spend.   In today's episode are some actionable tools to make Parkinson's law work so that you have more money. If you take these actions, over time your financial health will improve, and you'll develop the habits of wealth.

Have you started another year with less money than you need to make ends meet? Between Christmas, summer vacation and the start of the new school year (in the Southern Hemisphere), January can be wildly expensive. And with money being one of the top causes of stress in the world today, getting it under control should be a priority. It can feel easier to bury your head in the sand when things feel hard, but in the long run it just makes the problem worse. So chin-up, listen to this week's episode and get your head around the first steps required to getting your money under control.

How much of what you earn do you give away? And whilst giving (or tithing) isn't optional, (in the flawed and poverty-stricken world that we live in), many questions arise on the actual logistics of giving. With a complex topic like giving money, there is no right or wrong answer, there is only personal opinion. In today's episode are the guidelines that I give on the subject. Most importantly though, it all comes down to the main core principle - the motivation of your heart...

So you've given in to the nagging voice in your head that says you need a will (because you need a will), now what? Because it's so important that you put the effort and research in to create a will, this weeks episode is all about the structure of a will, and what needs to be included to make it a GOOD one.

Do you have a will? If not, that's the first mistake to remedy...   Listen to this week's episode to find out the most common mistakes made when drawing up a will, and at least ONE of the reasons why it is SO important that you have one.

Are you able to choose what you do with your time? If you work, where you work, when you work, with whom you work? Financial freedom gives you those choices. In today's episode I talk about the three things you CAN do to grow your wealth and get financially free!

Have you been saving 20% of your earnings every month to go toward your future investments and retirement? Like most of us, probably not. And also like most of us, you KNOW that you need to invest more... But how? Using theories of behavioural finance, in today's episode I offer some practical tools that you can use to save for tomorrow, tomorrow.

Do you settle for OK rather than rock the boat and make the hard decisions that could change your life? An easier course of action may seem painless in the short term, but hard choices lead to an easy life, whilst easy choices on the other hand... But what if you weren't afraid? Or despite the fact that you were afraid, you knew that you could handle whatever came your way?  Because you can. Make the hard choices and turn OK into GREAT! Great health, great wealth, great happiness, and great work.

Have you (like me) cried, ‘Enough Now!' at the seemingly constant onslaught of hard and heavy things that life has been throwing at you? Then it may be time to change the season in your life. As the bleakness of winter melts into an ever-hopeful spring, there are some things you need to KNOW, to SENSE, and to DO if you want to make the transition of the metaphorical seasons of your life smoother and more seamless. In this 200th episode of the Working Women's Wealth podcast, I'd like to say a GIANT thank you to all of you who have been walking this journey alongside me... Thank you for joining me for 200 episodes.  I am humbled that people still listen!  

Do you catch yourself telling your children the same disempowering statements about money that your parents taught (or modelled for) you? Then it might be time to reframe your money beliefs. In our house, we talk in the currency of ‘worth it', and the girls understood this concept from a young age. Money is finite and you can't have everything you want. But what you can have is everything that's WORTH IT. In today's episode I talk about HOW to reframe your money beliefs, so that you can live now AND invest for your future freedom.

When it comes to your money, do you have a plan? Or are you just hoping for the best? Here's how you CAN set yourself up for financial success... In today's episode are the five P's of a Money Management System that make it doable. Getting a grip on your day-to-day money is the first step towards changing your financial future. Tomorrow night, Thursday 26 August, I'm holding a LIVE workshop where you can join me and I'll go through what exactly you need to implement to make it happen for YOU. Sign up at teachyourselfwealth.com, and spend two hours getting your money sorted.

Are you consistently weighed down by guilty thoughts and ‘shoulds' around money? You can budget yourself into a coma, OR you can follow this hassle-free system of money management that I've spent years simplifying for myself. Whilst there's a time and place to track every single cent that goes out, when it comes to managing your day-to-day money, it needn't be overcomplicated.  I've just finished preparing a quick 2 hour workshop to help you sort out your everyday money, and it launches next week.  But in the interim, here are 5 easy steps you need to make sure you put into place to manage your money...