The Swan Effect - Creating and Sustaining Your Financial Wellbeing
Arthi Rabikrisson and Malika Petersen
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Top 10 The Swan Effect - Creating and Sustaining Your Financial Wellbeing Episodes
Goodpods has curated a list of the 10 best The Swan Effect - Creating and Sustaining Your Financial Wellbeing episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to The Swan Effect - Creating and Sustaining Your Financial Wellbeing for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite The Swan Effect - Creating and Sustaining Your Financial Wellbeing episode by adding your comments to the episode page.
S3 E1 2024 Explore!
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
01/31/24 • 32 min
Welcome to 2024 and Season 3 everyone!
Co-hosts Arthi Rabikrisson and Malika Petersen are excited to be back to continue the journey of exploring the path to financial freedom together! This season they will dig a little bit deeper into the investment side of things and thereby expand the moneyverse opportunity set, almost like an advent calendar, where each month a new opportunity will be discussed.
In this first episode, Arthi and Malika start off the investment theme by discussing education and how this is a form of investment in ourselves and for our children. Arthi discusses more on adult education which includes formal & informal pathways, and the potential rewards that can emerge from that. A key highlight is when accounting for costs of doing further studies, Arthi reminds us that beyond the explicit financial cost there are opportunity costs of not making this investment.
Malika explores investment in children's education and provides some tips and tricks to help us budget for these expenses. Arthi highlights that what could be a success factor often not considered, is that children can, should and need to be involved, invested & informed about the costs required to achieve the desired education and goals.
Malika and Arthi discuss more on the episode about:
- The definition of investment
- Education as a key investment
- Tips for education budgets
- Cost education calculator
and so much more!
Remember: “when your hand is open to give, it is open to receive”
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
This episode is proudly sponsored by Old Mutual Wealth.
S2 E7 From tax-poor to tax-rich
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
03/05/23 • 31 min
In Episode seven of Season 2 of the Swan Effect podcast, Arthi and Malika talk taxes (yes, that word we love to hate). As part of understanding your moneyverse, which is the theme for the podcast for 2023, one has to become familiar with leakages that disrupt growth of the moneyverse, and still find ways to find opportunities therein.
Is that even possible?
Listen to the episode to find how how it is certainly possible!
Malika offers us insight on the 4 main direct tax types most of us deal with regularly, while Arthi further mentions some of the indirect taxes we also face (did you realise there were these taxes you face as an investor, and consumer?)
The discussion goes deeper, as Malika and Arthi talk more about:
- How avoiding tax is unfortunately not an option
- The importance of understanding your marginal tax rate
- Becoming tax efficient in order to create a tax rich position for yourself
- The tax we love to hate...Income Tax
- Capital gains tax and which assets apply
- Dividend withholding tax
- How ANY interest is taxable
And so much more!
Hear some practical tips on how to ensure you can work some of these taxes to still benefit you, and be in a better position for the upcoming tax year.
Remember: “the power is within your control!”
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
This episode is proudly sponsored by Old Mutual Wealth.
S3 E2 Prop Yourself Up For Wealth
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
03/03/24 • 28 min
In Season 3 episode 2 Arthi & Malika continue with the advent calendar of investments discussing real estate as an investment. They explore some of the most common ways to make money through property investment, the first being buying a physical property. Arthi lists a few of the ways in which you can influence your decision when purchasing a property.
Malika shares a highly useful fact based on renting out space on your property, which can offer a sense of safety & community, but further assists in paying off your mortgage or home-loan at a faster rate. The positive impact of this is that it reduces significantly how much of interest you pay over term or length of the home-loan, you pay your mortgage off quicker which means you save money. Another option could be investing in a holiday home to rent out for additional income. A family vacation spot plus income when you are not on the property.
Arthi introduces another property type which is commercial property which can be upcycled in terms of purpose, such as storage, recreational centres, co-working spaces to name a few.
Malika details the strategy of flipping houses and introduces us to REITs.
Thus, there is a wealth of ideas to help one prop(erty) one's up for long term wealth creation.
Listen in to the episode to hear:
- Income generation options to assist with your mortgage
- Renting out space to assist with the monthly expenses
- Property crowdfunding
- Short term rentals
- Business related properties and the pros & cons that can go with this type of property.
- Flipping properties
- Real estate investment trust
- Farmland
and so much more
Remember: “property value does increase over time”.
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
This episode is proudly sponsored by Old Mutual Wealth.
S3 E4: Ubuntu In Investments
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
04/30/24 • 26 min
In Season 3 Episode 4 Arthi & Malika introduce the concept of Ubuntu in investments. Ubuntu, by way of a simplified meaning, underscores the idea that I am what I am because of who we all are. You may be curious as to how do investments & Ubuntu align, and it does through what is typically known as crowdfunding. Arthi and Malika share more about what this means and identify the various types of crowdfunding options.
Arthi introduces the group saving concept known as a “stokvel”, outlining the advantages of collective saving and investing, while Malika shares the example of how a family investment dedicated to the educational needs of the family members, creates an ongoing legacy of education & generational wealth.
There are always risks and challenges with investments, so the hosts share useful do’s and don'ts when it comes to crowdfunding, whether you are searching for funding or the investor looking to fund an opportunity.
Listen in as Malika and Arthi share more about:
- What is a stokvel?
- Benefits of family investments
- The pros & cons of partnerships in property investment
- Obtaining the start up funds for a new business
- Being an investor in crowdfunding opportunities
- Do’s and Donts for crowdfunding
and so much more!
Remember: “keep in mind the main goal of our moneyverse” which is to spread investment opportunities to create wealth and financial freedom.
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
This episode is proudly sponsored by Old Mutual Wealth.
S3 E6: You Are Your Greatest Assest
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
07/01/24 • 35 min
We are already half way through 2024!
In Season 3 episode 6 co-hosts Arthi & Malika discuss the most important asset yet and one that requires your biggest and deepest investment...YOU! In this episode they share practical ways towards holistic well-being.
Arthi recaps the advent calendar of investments that's been discussed thus far in season 3. In setting the scene, she highlights the increasing levels of burnout being identified with employees and individuals, requiring us to enhance our stress management skills. She shares some necessary tips and tools help us be on the right track to success. Arthi shares tested time management tools as well focus and rest periods, for better productivity and health.
Malika focuses on physical well-being, by redirecting listeners towards a total Health legacy review, from family history to current lifestyle so that we can best manage ourselves. She shares 9 great tips around this.
Mental health is just as important as your physical health and Arthi gives insight into some of the hesitancy that people may have when considering getting help and speaking to a professional.
Malika shares a true and powerful story who displays the importance of having different types of lifestyle covers, including protecting your livelihood and income for the future or any unforeseen circumstances.
Listen in to hear Malika and Arthi discuss:
- Employee Burnout
- Stress management skills (Connection; Physical activity; present; mindset; giving back)
- Physical well being (Health legacy, check-ups; vitamins; healthy eating; water; movement; sleep; limit alcohol & tobacco)
- Mental health
- Mindset & changing any unproductive narratives
- Protecting your income & assets
- Intersection of finance and holistic well-being
and so much more
Remember: “Consistency is key”
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
This episode is proudly sponsored by Old Mutual Wealth.
S3 E10: Black Friday Strategies
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
10/31/24 • 34 min
November = waiting for Black Friday deals for many people. This is the focus of Episode 10 in Season 3 where Arthi & Malika take a different look at Black Friday and how to strategise your spend.
As you know, this season's theme has been the advent calendar of investments.
Thus this episode offer a Black Friday 2 for 1 sweetener, as two advent calendar slots are unveiled, being (1) the importance of understanding assets versus liabilities, and (2) delayed gratification in wealth creation.
Arthi explains that assets generate income, while liabilities cost money. Many examples are discussed including residential property actually being a liability, and only really becomes an asset when the income generated from it exceeds the expenses, or a sale thereof generates a profit. Another example discussed includes the purchase of a G-wagon vs a tractor andw hich has teh potential to generate wealth over time.
Arthi then shares some examples on how you can use Black Friday to your advantage and move towards your wealth creation.
Malika makes an impactful point on how the way you see receiving money can have a direct effect on your wealth, which leads to emphasizing the need to delay gratification. For example use a large portion of a bonus to buy more assets than spending it all on 'want' or lifestyle items.
This episode is power-packed with tips and ideas, where Malika & Arthi discuss:
- The Black Friday origin story
- Understanding assets and liabilities
- Sharing examples of assets and liabilities
- How to utilise delayed gratification
- Leveraging debt and assets
- Practical steps to create wealth
and so much more
Remember: “Simply put, assets create wealth, liabilities stunt wealth.”
Take a listen to the episode and shift your mindset towards smart financial decisions.
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
This episode is proudly sponsored by Old Mutual Wealth.
S3 E9: Mental Health = Wealth
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
10/01/24 • 35 min
In Season 3 episode 9 Arthi & Malika continue the journey into the advent calendar of financial knowledge. October is Mental Health Awareness Month and the hosts share insights in this episode that mental health equals wealth, both in the figurative and literal sense.
Malika shares some alarming statistics about how people currently feel under pressure and a large part of this is caused by money and finances.
Arthi shares the definition of mental health and mindset & offers insight into brain fitness, and how this can increase your mental health.
Malika makes the connection between the quality of financial decisions during periods of poor mental health, helping to clarify the reciprocal link between mental well-being and financial wellbeing.
Listen in to hear Arthi and Malika discuss:
- The definition of mental health & mindset
- Brain health
- How your mental wellbeing can directly affect your financial wellbeing, based on belief systems we have about money
- Triggers that can affect mental health, such as emotions and overspending.
- Tips to having strong mental & financial health that include having an accountability partner and reducing social media scrolling.
and so much more!
Remember: “your mood, your state of being, and your money are connected.”
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
This episode is proudly sponsored by Old Mutual Wealth.
S2E5 The Gift that Keeps on Giving
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
12/01/22 • 38 min
In our 2022 wrap up episode 5 of Season 2, Arthi and Malika helps you look at a truly wonderful gift that really does keep on giving: your investments.
The festive season is upon us and it is very easy to become swept up with wanting to spoil loved ones (and yourself) with treats, especially with all the specials around, pots Black Friday and Cyber Monday too. That 13th cheque or bonus that you may receive this month could be used to feed that desire, or can be used to set you up for even greater spoils down the line.
To help you think about it from this perspective Malika and Arthi nudge you to think about the following questions, as part of your reflection for the year that has been and what you are hoping to gain in 2023:
- Why do I need to invest?
- How much risk do I need to take to grow my wealth?
- How long should I be invested for?
- When is the right time to disinvest?
- How do I prioritise investing when I have so many commitments and responsibilities to other?
- How do I deal with the voice in my mind that tells me to spend without thinking of the consequences?
As part of these reflections, Arthi and Malika offer:
- how to use visualisation as a way to stop immediate consumption and consider investing to reach those goals you truly desire
- practical examples of the impact and benefit of compounding - one of the best friends you can ever have!
- real world investor habits who use investment opportunities wisely
- making investing a forethought, not an afterthought
- the concept of delayed gratification and how it can offer a substantial opportunity for legacy creation
It can be a difficult journey figuring out how and where to go about investing. Seeking out support is crucial. But if you hit a setback in your money management and investing journey, follow what Arthi says: "if you fail once, you don’t throw in the towel, rather fetch a new towel and hang it up differently!"
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
Have a fruitful festive season and New Year listeners and subscribers!
This episode is proudly sponsored by Old Mutual Wealth.
S2 E4 The PTP: Plan, Track & Plan some more!
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
11/02/22 • 31 min
In Episode 4 of Season 2, Arthi and Malika dive in a deeper into the third financial superpower that was mentioned in Episode 1, being PTP: Plan Track & Plan some more!
In the month of November, it's all about coping: coping with work demands in the wrap up to the year 2022, and coping with the financial demands on our money pot, from festive gifting specials, and holiday plans, to preparing for next year's schooling needs.
What is needed, is some savvy planning and tracking in order to ride this wave into 2023 in a comfortable position.
Malika and Arthi discuss:
- Hacks that can help you pause and think before purchasing items
- Planning your give, save and spend portions of your income
- Using your kinesthetic sense (writing) to help you acknowledge your expense plan and change habits
- paying yourself first
- top tips to activate your spending leash
Become motivated to tackle this upcoming month with enthusiasm and awareness, towards healthier money management habits and outcomes.
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
This episode is proudly sponsored by Old Mutual Wealth.
S3 E10 In Your Best Interest
The Swan Effect - Creating and Sustaining Your Financial Wellbeing
06/01/23 • 28 min
It's episode 10 of Season 2 and we are already in June, feeling that the end of the year is fast approaching. Arthi and Malika thought it was the perfect time to discuss what is in your best INTEREST,especially since in South Africa, we are experiencing an increase in interest rates which is impacting our budgets and quality of life.In this episode, they help us understand the drivers of interest rates, and how they impact us.
Arthi introduces four factors that affect the interest rate, firstly inflation. Companies increase the price of the goods and services when there's more demand, because this can lead to less supply, and those differences result in inflation.
The next two factors are the stock markets and international events and the decrease in available funds directly results in changes in the interest rates.
The final driver which affects interest rates is fiscal borrowing and in South Africa we have a large fiscal deficit. The deficit is the difference between governments income versus their expenses and when the government spends more money than what is coming in this means that in order to have the funds to pay back the markets, the rates are increased.
Arthi and Malika offer insights and tips into how you can respond and work with the change in interest rates and to look for opportunities within the chaos. Arthi also explains how it is not all negative and that there is a plus side to higher rates.
Listen in to hear Malika and Arthi discuss:
- the mechanism the Monetary Policy Committee,MPC in South Africa, uses to control inflation i.e. the repo rate
- More about the four factors that influence the interest rate decision
- the true impact of interest rates on your spending plans or budget
- The behavioral psychology aspect of spending & saving and how delayed gratification can help
- Thinking like a wealthy person especially in times of every increasing rates
- How to become that person who finds opportunity in chaos
And so much more!
Remember: “never pay for an item longer than, which that item may last”
We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.
This episode is proudly sponsored by Old Mutual Wealth.
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FAQ
How many episodes does The Swan Effect - Creating and Sustaining Your Financial Wellbeing have?
The Swan Effect - Creating and Sustaining Your Financial Wellbeing currently has 36 episodes available.
What topics does The Swan Effect - Creating and Sustaining Your Financial Wellbeing cover?
The podcast is about Budgeting, Debt, Wealth, Investing, Money, Podcasts, Finance and Business.
What is the most popular episode on The Swan Effect - Creating and Sustaining Your Financial Wellbeing?
The episode title 'S2 E4 The PTP: Plan, Track & Plan some more!' is the most popular.
What is the average episode length on The Swan Effect - Creating and Sustaining Your Financial Wellbeing?
The average episode length on The Swan Effect - Creating and Sustaining Your Financial Wellbeing is 34 minutes.
How often are episodes of The Swan Effect - Creating and Sustaining Your Financial Wellbeing released?
Episodes of The Swan Effect - Creating and Sustaining Your Financial Wellbeing are typically released every 30 days.
When was the first episode of The Swan Effect - Creating and Sustaining Your Financial Wellbeing?
The first episode of The Swan Effect - Creating and Sustaining Your Financial Wellbeing was released on Feb 2, 2021.
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