The Woman & Finance Podcast
Welcome to The Woman & Finance Podcast
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 in Finance, 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 every woman ready to take control.
If you’re on a journey to financial wellness, hit follow and be part of a community of women committed to building wealth and securing their futures.
Let’s learn, grow, and thrive—together.
Episodes
28 episodes
Is Your Parent Retiring Soon? Here’s What They Need to Know!
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 implica...
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Season 2
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Episode 4
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25:44
Raising Money-Smart Kids: 13 Lessons Every Parent Should Teach!
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 y...
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Season 2
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Episode 3
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22:03
Retirement Annuities Vs. Tax-Free Savings Accounts
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:I...
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Season 2
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Episode 2
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14:50
5 Things You Should Not Do With Your Money in 2025!
1. Get Married in Community of Property2. Take on Credit in Your Name for Someone Else – redflag!!!!!3. Lend Money to Friends and Family4. Ignore SARS!5. Give Up Your Power – Don’t Be a...
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Season 2
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Episode 1
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24:15
From fear to financial freedom in six months!
Join myself and Maya Fisher-French reflect on the transformative journey of Santam staff who participated in the six-month Santam Insure Your Future Money Bootcamp. This empowering initiative culminated in a celebration honouring individ...
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Season 1
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Episode 13
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43:53
How to use a Will to protect your family
While previous episodes have focused on building wealth, this time we’re shifting the conversation to succession planning and creating intergenerational wealth. How can you protect your family while ensuring your assets benefit future generatio...
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Season 1
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Episode 12
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38:51
Your Retirement Options
In this episode, we dive into the world of retirement planning with Johann Steyn, a certified financial planner at Rainmaker Bluestar by Sanlam. As retirement draws near, having a well-thought-out financial strategy becomes more crucial than ev...
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Season 1
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Episode 11
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34:32
Planning for Retirement
In the last two episodes, we explored saving and investing for goals we aim to achieve during our working years. However, there comes a time when we want to relax and retire, or at least have the option to choose whether to keep working or not....
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Season 1
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Episode 10
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33:13
Investing for the Future: Strategies for Long-Term Goals and Wealth Growth
In our last episode, we focused on saving for those shorter-term goals, but today we’re diving into those medium to longer-term ones—like funding your child’s university education in 10 years, leaving a financial legacy, or maybe even starting ...
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Season 1
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Episode 9
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37:47
Building a Practical Savings Plan
In this episode, we guide listeners on breaking free from debt reliance by establishing a solid savings plan. We explore the importance of saving, what goals to aim for, and the necessity of an emergency fund—why it’s crucial and how to create ...
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Season 1
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Episode 8
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32:25
Dr. Lekalakala's Journey to Homeownership: Shocks, Mistakes & Lessons Learned!
In this video, Dr. Lekalakala takes us through her inspiring journey to becoming a homeowner. From unexpected shocks to costly mistakes, she shares the highs and lows of the process, what she wishes she knew before starting, and the valuable le...
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Season 1
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Episode 11
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37:29
How to choose the right Medical Cover
In our previous episode, we discussed life and risk cover—insurance that provides financial support if our health takes a turn or in the event of our passing. Equally important is health insurance, which helps cover medical expenses, not just f...
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Season 1
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Episode 7
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41:42
Understanding Life Cover
🎙️ In Episode 6 of the Santam Insure Your Future Money Bootcamp, Maya and I are joined by Johann Steyn, a certified financial planner at Rainmaker BlueStar by Sanlam. We dive deep into the complexities of life cover—what it means, why it matter...
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Season 1
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Episode 6
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37:25
Smart strategies to manage your debt
In this episode, we address the challenge of managing overwhelming debt, particularly as interest rates and inflation continue to rise. With many people finding it difficult to keep up with their debt payments, we're here to provide practical a...
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Season 1
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Episode 5
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34:04
Using credit responsibly
In today's episode of Santam Insure Your Future Money Bootcamp, Maya and I focuse on responsible credit use, offering insights into budgeting, borrowing, and distinguishing between good and bad debt. We provide a comprehensive guide to un...
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Season 1
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Episode 4
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35:23
Unlocking Home Ownership: Insights from Bond Originator, Olen Sterling on the Path to Your Dream Home
In Today's podcast, I sit down with Olen Sterling, a seasoned bond originator, to explore the ins and outs of the home buying process. Olen shares expert advice on securing the best bond deals, understanding interest rates, and navigating the o...
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Season 1
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Episode 10
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35:58
Episode 3: Budgeting as a Homeowner (or Other Big Purchase)
In this episode, we dive into the complexities of budgeting for significant financial commitments, such as buying a home. Join our discussions with previous mentees, Tshiamo and Babalo, who share their experiences and valuable insights on manag...
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27:18
Budgeting: Tell your money where to go!
Episode two: Budgeting – directing your moneyThe first step in gaining control of your finances is understanding where your money goes each month. In this podcast, Maya and I have an open and candid discussion about our own budgeting me...
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Season 1
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Episode 2
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40:02
Money Archetypes and How Your Money Mindset Shapes Your Financial Future with Farhana Goga
In this insightful interview, we sit down with renowned psychologist and coach, Farhana Goga, to explore the powerful connection between your mindset and your money. Discover the different money archetypes and how understanding your financial p...
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Season 1
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Episode 9
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48:02
Money and Emotions - Insure Your Future Money Bootcamp
Presenting the Santam Insure Your Future Money Bootcamp podcast series.Are you ready to seize control of your financial destiny? The Santam Insure Your Future Money Bootcamp podcast series is here to guide you through a transformative jo...
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Season 1
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Episode 1
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24:46
Tax-Free Savings Accounts: Common mistakes to avoid with your TFSA
Are you making these mistakes with your Tax-Free Savings Account? Don't let simple errors sabotage your savings goals!
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Season 1
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Episode 7
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19:00
Buying Your First Car: Insider Tips from a Top Female Car Sales Expert
Join me as I sit down with Nkosazana, also known as "The Car Lady," a seasoned car sales expert. In this insightful interview, Nkosazana shares her top tips and invaluable advice for anyone looking to buy their first car. Learn how to...
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Season 1
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Episode 6
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32:55
How to achieve financial wellness no matter what stage you are in your life!
On today's episode of The Woman and Finance Podcast, we're joined by Ess Mukumbo, a self-taught investor and personal finance educator, who contributes to Financial Mail. Ess's approach to personal finance is not only practical and empathetic, ...
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Season 1
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Episode 5
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59:06
Mapalo Answers: How do I start saving for retirement as a 20+ year old?
Send us your questions via voice-note on WhatsApp 067 018 1665
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Season 1
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Episode 4
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13:47
Mastering Retirement Planning and the Two-Pot System explained
In this episode, our guest Sheila-ann Robey, a qualified Financial Planner, a practicing Attorney who holds numerous qualifications, including a master’s degree in insurance law (cum laude) and a post graduate diploma in Financial Plan...
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Season 1
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Episode 3
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45:07
