<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="/rss/transform" media="screen"?>
<rss
	version="2.0"
	xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:ionofm="http://iono.fm/rss-namespace-1.0"
	xmlns:spotify="https://www.spotify.com/ns/rss"
	xmlns:podcast="https://podcastindex.org/namespace/1.0"
	xml:lang="en"
>
	<channel>
		<title>Money with Carla</title>
		<link>https://www.moneywithcarla.com</link>
		<atom:link href="https://rss.iono.fm/rss/chan/9436" rel="self" type="application/rss+xml" />
		<description>I'm a qualified accountant and investment professional with an MBA on a mission to enable smarter money choices and talk about things we all should've learned in school. I will share my lessons on money, life, and careers and I hope to encourage you to invest your own money, manage your personal finances better, and become more confident in your own money skills.</description>
					<category>Investing</category>
				<language>en</language>
		<pubDate>Fri, 18 Jul 2025 12:12:23 +0200</pubDate>
		<lastBuildDate>Sun, 19 Apr 2026 14:00:00 +0200</lastBuildDate>
		<ttl>30</ttl>
		<docs>http://blogs.law.harvard.edu/tech/rss</docs>
		<generator>iono.fm 2.5.2.0</generator>
		<copyright>Money with Carla</copyright>
						<podcast:locked>no</podcast:locked>
						<podcast:podping usesPodping="true"/>
				<podcast:person>Carla Venter</podcast:person>
										<podcast:updateFrequency rrule="FREQ=WEEKLY">Weekly</podcast:updateFrequency>
													<webMaster>feeds@iono.fm (Feed Manager)</webMaster>
		<image>
			<url>https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg</url>
			<title>Money with Carla</title>
			<link>https://www.moneywithcarla.com</link>
		</image>
				<itunes:subtitle>I'm a qualified accountant and investment professional with an MBA on a mission to enable smarter money choices and talk about things we all should've learned in school.</itunes:subtitle>
		<itunes:author>Money with Carla</itunes:author>
		<itunes:type>episodic</itunes:type>
		<itunes:owner>
			<itunes:name>Money with Carla</itunes:name>
			<itunes:email>jo@moneywithcarla.com</itunes:email>
		</itunes:owner>
		<itunes:explicit>false</itunes:explicit>
		<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg" />
		<itunes:summary><![CDATA[I'm a qualified accountant and investment professional with an MBA on a mission to enable smarter money choices and talk about things we all should've learned in school. I will share my lessons on money, life, and careers and I hope to encourage you to invest your own money, manage your personal finances better, and become more confident in your own money skills.]]></itunes:summary>
					<itunes:category text="Business">
									<itunes:category text="Investing" />
							</itunes:category>
				<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg" />
		<ionofm:coverart href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg" />
        <ionofm:player_url><![CDATA[https://iframe.iono.fm/c/9436?download=0]]></ionofm:player_url>
		<spotify:countryOfOrigin>ZA</spotify:countryOfOrigin>
		<spotify:limit recentCount="150"/>
		
	<item>
		<title>Stuck In High-Fee Investments? 6-Year Rule</title>
		<link>https://iono.fm/e/1641132</link>
		<guid isPermaLink="true">https://iono.fm/e/1641132</guid>
		<description><![CDATA[Sign up for my FREE Investing Masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1<br />
<br />
I always preach this: Keep your fees low to maximise portfolio growth. But what if you're already invested in high-fee products? Today I'm introducing my 6-year rule for exiting high-fee products.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. <a href="https://www.youtube.com/watch?v=Tdqu4xflX6c"> Stuck In High-Fee Investments? 6-Year Rule Video </a> &middot; <a href="https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1">Sign up for my FREE Investing Masterclass!</a>]]></description>
					<category>Investing</category>
				<pubDate>Sun, 31 Jan 2027 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1641132/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:25.000" title="Fee-Paying Fran vs. Independent Izelle" />
			 
				<psc:chapter start="00:02:25.000" title="Tax and Exit Fees" />
			 
				<psc:chapter start="00:05:00.000" title="Fee-Paying Fran vs. Independent Fran" />
			 
				<psc:chapter start="00:06:10.000" title="What should Fran do?" />
						</psc:chapters>
				<itunes:title>Stuck In High-Fee Investments? 6-Year Rule</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>7:40</itunes:duration>
		<itunes:summary><![CDATA[Sign up for my FREE Investing Masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1

I always preach this: Keep your fees low to maximise portfolio growth. But what if you're already invested in high-fee products? Today I'm introducing my 6-year rule for exiting high-fee products.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1641132_medium.m4a?p=rss" length="3761969" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="1669860" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1641132_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1641132?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Everything You Need to Know About Trusts as a South African (with Tax Expert)</title>
		<link>https://iono.fm/e/1667435</link>
		<guid isPermaLink="true">https://iono.fm/e/1667435</guid>
		<description><![CDATA[Follow Marisca on socials:<br />
Instagram: @taxmatterswithmarisca<br />
<br />
I'm so excited to talk to tax expert Marisca du Bruyn about trusts! Marisca is a tax advisor specialising in structuring, complicated tax matters, and international taxes. We talk about when a trust makes sense or not, should we invest in our personal capacity, companies or trusts, structures to buy property in, and offshore trusts vs local trusts.<br />
<br />
Disclaimer:<br />
All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 19 Apr 2026 09:07:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1667435/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:02:03.000" title="When does a trust make sense, basics of trusts" />
			 
				<psc:chapter start="00:18:40.000" title="Investing in your personal capacity vs a company vs a trust" />
			 
				<psc:chapter start="00:28:36.000" title="Offshore vs Local trusts" />
						</psc:chapters>
				<itunes:title>Everything You Need to Know About Trusts as a South African (with Tax Expert)</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>38:38</itunes:duration>
		<itunes:summary><![CDATA[Follow Marisca on socials:
Instagram: @taxmatterswithmarisca

I'm so excited to talk to tax expert Marisca du Bruyn about trusts! Marisca is a tax advisor specialising in structuring, complicated tax matters, and international taxes. We talk about when a trust makes sense or not, should we invest in our personal capacity, companies or trusts, structures to buy property in, and offshore trusts vs local trusts.

Disclaimer:
All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1667435_medium.m4a?p=rss" length="18946160" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="8405097" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1667435_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1667435?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Why Some High Earners NEVER Build Wealth</title>
		<link>https://iono.fm/e/1664831</link>
		<guid isPermaLink="true">https://iono.fm/e/1664831</guid>
		<description><![CDATA[Watch my free Money Planning Masterclass: https://learn.moneywithcarla.com/Money-Planning-Masterclass-Optin<br />
<br />
We've all been taught the same thing about money: study hard, get a high-paying job, and wealth will naturally follow. But if that was the case, I wouldn't be meeting doctors and executives who are still working at 70 because they can't retire. And on the other hand, I wouldn't be meeting ordinary people with average salaries who have portfolios worth millions. Today's episode is about how a high salary does not equal automatic wealth building, why many high earners never build wealth, and how you can get wealthy, even with an average income.<br />
<br />
Watch videos on retirement planning:<br />
How to prep for retirement at age 40+: https://youtu.be/qy8SICv2fCg<br />
Find your retirement number: https://youtu.be/O_YIGs_t4YU<br />
Why R25 million might not be enough to retire: https://youtu.be/ll_BuoyGFxs<br />
<br />
Disclaimer:<br />
All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms ]]></description>
					<category>Investing</category>
				<pubDate>Fri, 10 Apr 2026 14:55:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1664831/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:02:35.000" title="How a gas station worker became a millionaire" />
			 
				<psc:chapter start="00:05:34.000" title=" The Wealth Triangle" />
			 
				<psc:chapter start="00:07:21.000" title="Lifestyle creep" />
			 
				<psc:chapter start="00:08:21.000" title="Inflation" />
			 
				<psc:chapter start="00:09:15.000" title="Earnings are irrelevant when you overspend" />
			 
				<psc:chapter start="00:12:45.000" title="FREE Money Planning Masterclass" />
						</psc:chapters>
				<itunes:title>Why Some High Earners NEVER Build Wealth</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>13:13</itunes:duration>
		<itunes:summary><![CDATA[Watch my free Money Planning Masterclass: https://learn.moneywithcarla.com/Money-Planning-Masterclass-Optin

We've all been taught the same thing about money: study hard, get a high-paying job, and wealth will naturally follow. But if that was the case, I wouldn't be meeting doctors and executives who are still working at 70 because they can't retire. And on the other hand, I wouldn't be meeting ordinary people with average salaries who have portfolios worth millions. Today's episode is about how a high salary does not equal automatic wealth building, why many high earners never build wealth, and how you can get wealthy, even with an average income.

Watch videos on retirement planning:
How to prep for retirement at age 40+: https://youtu.be/qy8SICv2fCg
Find your retirement number: https://youtu.be/O_YIGs_t4YU
Why R25 million might not be enough to retire: https://youtu.be/ll_BuoyGFxs

Disclaimer:
All content I share is educational in nature and does not constitute financial advice. Any calculations or returns referenced are based on historical figures, future returns are not guaranteed. All information shared is market sensitive and subject to change as markets and economic conditions evolve. Personalised one-on-one advice is available exclusively to my Invest with Confidence Executive students through direct consultation calls. I am authorised to render financial services, including advice, under Wealth Office (Pty) Ltd, FSP 54904. https://www.moneywithcarla.com/terms]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1664831_medium.m4a?p=rss" length="6483867" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2877164" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1664831_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1664831?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>The Best Way To Invest Is Also The Cheapest And Easiest</title>
		<link>https://iono.fm/e/1661070</link>
		<guid isPermaLink="true">https://iono.fm/e/1661070</guid>
		<description><![CDATA[My FREE Investing Mini-Course: https://learn.moneywithcarla.com/mini-course<br />
<br />
Contrary to popular belief, more expensive and harder to access is not automatically better, especially when it comes to investing.<br />
Today I'm talking about index investing, my favourite investing method. It's not only the best, but also the cheapest and easiest.<br />
<br />
Disclaimer:<br />
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 29 Mar 2026 19:23:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1661070/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:01:09.000" title="Buying the haystack instead of looking for the needle " />
			 
				<psc:chapter start="00:03:10.000" title="SPIVA Scorecards" />
			 
				<psc:chapter start="00:04:22.000" title="The difference of a few percentage points" />
			 
				<psc:chapter start="00:06:37.000" title="Warren Buffett&#039;s bet" />
			 
				<psc:chapter start="00:08:30.000" title="Advisors don&#039;t push passive funds" />
						</psc:chapters>
				<itunes:title>The Best Way To Invest Is Also The Cheapest And Easiest</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>10:58</itunes:duration>
		<itunes:summary><![CDATA[My FREE Investing Mini-Course: https://learn.moneywithcarla.com/mini-course

Contrary to popular belief, more expensive and harder to access is not automatically better, especially when it comes to investing.
Today I'm talking about index investing, my favourite investing method. It's not only the best, but also the cheapest and easiest.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1661070_medium.m4a?p=rss" length="5381923" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2388408" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1661070_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1661070?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Top 10 Worst Financial Mistakes You're Making Right Now</title>
		<link>https://iono.fm/e/1655650</link>
		<guid isPermaLink="true">https://iono.fm/e/1655650</guid>
		<description><![CDATA[Complete the FREE Wealth Score Quiz: https://score.moneywithcarla.com/wealthscore<br />
Money Game Plan Course: https://learn.moneywithcarla.com/Your-money-gameplan<br />
<br />
In personal finance, we often focus on things we can't control, like stock market performance or trying to time the market. But today I'm giving you 10 of the worst money mistakes you could be making right now, that are actually in your control.<br />
<br />
Disclaimer:<br />
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 15 Mar 2026 13:43:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1655650/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:30.000" title="Mistake 1" />
			 
				<psc:chapter start="00:01:16.000" title="Mistake 2" />
			 
				<psc:chapter start="00:03:12.000" title="Mistake 3" />
			 
				<psc:chapter start="00:05:56.000" title="Mistake 4" />
			 
				<psc:chapter start="00:08:50.000" title="Mistake 5" />
			 
				<psc:chapter start="00:10:46.000" title="Mistake 6" />
			 
				<psc:chapter start="00:11:44.000" title="Mistake 7" />
			 
				<psc:chapter start="00:12:57.000" title="Mistake 8" />
			 
				<psc:chapter start="00:15:01.000" title="Mistake 9" />
			 
				<psc:chapter start="00:16:48.000" title="Mistake 10" />
						</psc:chapters>
				<itunes:title>Top 10 Worst Financial Mistakes You're Making Right Now</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>18:26</itunes:duration>
		<itunes:summary><![CDATA[Complete the FREE Wealth Score Quiz: https://score.moneywithcarla.com/wealthscore
Money Game Plan Course: https://learn.moneywithcarla.com/Your-money-gameplan

In personal finance, we often focus on things we can't control, like stock market performance or trying to time the market. But today I'm giving you 10 of the worst money mistakes you could be making right now, that are actually in your control.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1655650_medium.m4a?p=rss" length="9047032" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="4014098" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1655650_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1655650?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Financial Goals Feel Impossible? Here's What You're Doing Wrong</title>
		<link>https://iono.fm/e/1653361</link>
		<guid isPermaLink="true">https://iono.fm/e/1653361</guid>
		<description><![CDATA[Get access to this calculator and more: https://learn.moneywithcarla.com/Your-money-gameplan<br />
<br />
If you keep under-saving for financial goals, or feel like you can never reach them, you're probably missing 2 key elements of calculating your goal amounts.<br />
Inflation and taxes are sneaky, but especially crucial to consider when working towards long-term goals.<br />
<br />
Today I'm showing you how to calculate goal amounts correctly while including buffers for taxes and inflation.<br />
<br />
Disclaimer:<br />
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 08 Mar 2026 08:43:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1653361/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:01:20.000" title="What you need to know about inflation" />
			 
				<psc:chapter start="00:02:15.000" title="What you can do to minimise effects of inflation" />
			 
				<psc:chapter start="00:03:23.000" title="How to set financial goals considering taxes" />
			 
				<psc:chapter start="00:04:44.000" title="How to plan for a future goal considering inflation and taxes" />
			 
				<psc:chapter start="00:07:56.000" title="The difference stock market volatility makes" />
			 
				<psc:chapter start="00:08:28.000" title=" Increasing contributions with inflation" />
			 
				<psc:chapter start="00:09:01.000" title="Return expectations and your time horizon" />
						</psc:chapters>
				<itunes:title>Financial Goals Feel Impossible? Here's What You're Doing Wrong</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>12:13</itunes:duration>
		<itunes:summary><![CDATA[Get access to this calculator and more: https://learn.moneywithcarla.com/Your-money-gameplan

If you keep under-saving for financial goals, or feel like you can never reach them, you're probably missing 2 key elements of calculating your goal amounts.
Inflation and taxes are sneaky, but especially crucial to consider when working towards long-term goals.

Today I'm showing you how to calculate goal amounts correctly while including buffers for taxes and inflation.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1653361_medium.m4a?p=rss" length="5998162" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2661768" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1653361_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1653361?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>How Much House Can You REALLY Afford?</title>
		<link>https://iono.fm/e/1650711</link>
		<guid isPermaLink="true">https://iono.fm/e/1650711</guid>
		<description><![CDATA[Become a Money with Carla Insider: https://learn.moneywithcarla.com/newsletter-signup<br />
<br />
Are you buying a house? Here's how you will know whether or not you can really afford the house you want.<br />
Today I'm answering the question, how much house can you really afford?<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. <a href="https://learn.moneywithcarla.com/newsletter-signup">Sing up for my Insider Letter! </a>]]></description>
					<category>Investing</category>
				<pubDate>Fri, 27 Feb 2026 13:41:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1650711/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:44.000" title="What it means to be house poor" />
			 
				<psc:chapter start="00:02:39.000" title="The biggest mistake people make when house-shopping" />
			 
				<psc:chapter start="00:05:17.000" title="Money &quot;invested&quot; into a house" />
			 
				<psc:chapter start="00:06:03.000" title="The bank&#039;s business model" />
			 
				<psc:chapter start="00:07:07.000" title="Renting can be smart" />
			 
				<psc:chapter start="00:07:52.000" title="How to calculate how much you can afford" />
			 
				<psc:chapter start="00:09:16.000" title="The emotional side of homeownership" />
			 
				<psc:chapter start="00:10:08.000" title="A very important catch" />
						</psc:chapters>
				<itunes:title>How Much House Can You REALLY Afford?</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>11:20</itunes:duration>
		<itunes:summary><![CDATA[Become a Money with Carla Insider: https://learn.moneywithcarla.com/newsletter-signup

Are you buying a house? Here's how you will know whether or not you can really afford the house you want.
Today I'm answering the question, how much house can you really afford?

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1650711_medium.m4a?p=rss" length="5560239" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2467491" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1650711_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1650711?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Saving is NOT going to make you rich. Here's why</title>
		<link>https://iono.fm/e/1648653</link>
		<guid isPermaLink="true">https://iono.fm/e/1648653</guid>
		<description><![CDATA[Sign up for my FREE masterclass: https://learn.moneywithcarla.com/registration-page-256ef41f-876a-45bd-9817-b684d547598d<br />
<br />
Saving is taught as the "most responsible" financial behaviour. But does it build wealth, or just give you a false sense of security? In today's episode, I'm talking about saving vs. investing, and why you shouldn't play it safe.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 22 Feb 2026 14:07:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1648653/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:56.000" title="Real returns on saving" />
			 
				<psc:chapter start="00:01:51.000" title="Saving Sally vs. Investing Ines" />
			 
				<psc:chapter start="00:03:31.000" title="Returns and risk" />
			 
				<psc:chapter start="00:05:29.000" title="How to minimise risk" />
			 
				<psc:chapter start="00:08:01.000" title="When to save vs. invest" />
						</psc:chapters>
				<itunes:title>Saving is NOT going to make you rich. Here's why</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>10:11</itunes:duration>
		<itunes:summary><![CDATA[Sign up for my FREE masterclass: https://learn.moneywithcarla.com/registration-page-256ef41f-876a-45bd-9817-b684d547598d

Saving is taught as the "most responsible" financial behaviour. But does it build wealth, or just give you a false sense of security? In today's episode, I'm talking about saving vs. investing, and why you shouldn't play it safe.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1648653_medium.m4a?p=rss" length="5000072" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2219022" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1648653_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1648653?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Should You Pay Off Your Mortgage Or Invest? (Detailed Analysis)</title>
		<link>https://iono.fm/e/1645820</link>
		<guid isPermaLink="true">https://iono.fm/e/1645820</guid>
		<description><![CDATA[Join my FREE masterclass: https://learn.moneywithcarla.com/registration-page-256ef41f-876a-45bd-9817-b684d547598d<br />
<br />
If you have extra money available each month, should you rather use it to pay off your mortgage early, or invest it in the stock market?<br />
Today I'm analysing multiple options to help you decide.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Fri, 13 Feb 2026 17:44:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1645820/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:37.000" title="How does mortgage finance work?" />
			 
				<psc:chapter start="00:02:15.000" title="Trade-offs in this decision" />
			 
				<psc:chapter start="00:04:32.000" title="Savings accounts are the worst place to keep your money." />
			 
				<psc:chapter start="00:07:17.000" title="Risks associated with each option" />
			 
				<psc:chapter start="00:08:58.000" title="Paying off the mortgage vs. investing" />
			 
				<psc:chapter start="00:14:00.000" title="Best vs. worst 20 years in stocks " />
			 
				<psc:chapter start="00:17:15.000" title="Two key assumptions of the analysis " />
			 
				<psc:chapter start="00:18:51.000" title="Guidelines to help you decide " />
			 
				<psc:chapter start="00:21:13.000" title="My opinion and what I&#039;m doing " />
						</psc:chapters>
				<itunes:title>Should You Pay Off Your Mortgage Or Invest? (Detailed Analysis)</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>23:15</itunes:duration>
		<itunes:summary><![CDATA[Join my FREE masterclass: https://learn.moneywithcarla.com/registration-page-256ef41f-876a-45bd-9817-b684d547598d

If you have extra money available each month, should you rather use it to pay off your mortgage early, or invest it in the stock market?
Today I'm analysing multiple options to help you decide.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1645820_medium.m4a?p=rss" length="11409952" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="5062232" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1645820_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1645820?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Every South African Needs This Investment Account</title>
		<link>https://iono.fm/e/1643639</link>
		<guid isPermaLink="true">https://iono.fm/e/1643639</guid>
		<description><![CDATA[Sign up for my FREE investing masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1<br />
<br />
Every South African needs this investment account. Even though there are contribution limits, it gives you unlimited tax-free growth. It's called a Tax-Free Savings Account or TFSA, and in today's episode I'm showing you how to get the most out of it.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 08 Feb 2026 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1643639/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:01:16.000" title="TFSA for South Africans" />
			 
				<psc:chapter start="00:02:05.000" title="Maximum contributions" />
			 
				<psc:chapter start="00:03:40.000" title="Invest, don&#039;t just safe" />
			 
				<psc:chapter start="00:05:17.000" title="TFSA mistakes" />
			 
				<psc:chapter start="00:06:32.000" title="Common TFSA questions" />
						</psc:chapters>
				<itunes:title>Every South African Needs This Investment Account</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>9:56</itunes:duration>
		<itunes:summary><![CDATA[Sign up for my FREE investing masterclass: https://learn.moneywithcarla.com/invest-masterclass-opt-in-feb-2026-1

Every South African needs this investment account. Even though there are contribution limits, it gives you unlimited tax-free growth. It's called a Tax-Free Savings Account or TFSA, and in today's episode I'm showing you how to get the most out of it.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1643639_medium.m4a?p=rss" length="4874700" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2163426" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1643639_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1643639?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>How To Prep For Retirement At Age 40+</title>
		<link>https://iono.fm/e/1638586</link>
		<guid isPermaLink="true">https://iono.fm/e/1638586</guid>
		<description><![CDATA[Get your FREE Financial Freedom Calculator here: https://learn.moneywithcarla.com/financial-freedom-calculator<br />
<br />
If you're starting to plan for retirement and you feel behind, or like it's "too late," this week's episode is for you.<br />
I run you through my SAFE framework for retirement planning: 4 steps to help you set yourself up for a secure retirement, proactively.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 25 Jan 2026 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1638586/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:35.000" title="S" />
			 
				<psc:chapter start="00:02:03.000" title="A" />
			 
				<psc:chapter start="00:05:10.000" title="F" />
			 
				<psc:chapter start="00:08:51.000" title="E" />
						</psc:chapters>
				<itunes:title>How To Prep For Retirement At Age 40+</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>11:20</itunes:duration>
		<itunes:summary><![CDATA[Get your FREE Financial Freedom Calculator here: https://learn.moneywithcarla.com/financial-freedom-calculator

If you're starting to plan for retirement and you feel behind, or like it's "too late," this week's episode is for you.
I run you through my SAFE framework for retirement planning: 4 steps to help you set yourself up for a secure retirement, proactively.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1638586_medium.m4a?p=rss" length="5563186" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2468831" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1638586_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1638586?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Best And Worst Alternative Investments - Bags, Art, Watches vs. Stocks</title>
		<link>https://iono.fm/e/1636121</link>
		<guid isPermaLink="true">https://iono.fm/e/1636121</guid>
		<description><![CDATA[Have a question or dilemma? Ask me here: https://learn.moneywithcarla.com/money-scenario<br />
<br />
A subscriber shared an artwork with me that they bought in 1986 for R750, and recently sold for 80x the original purchase price. They asked me what I thought about the returns so I decided to make a full video including a few alternative investments shared by subscribers.<br />
So, can artworks, bags, watches, or cars outperform the stock market? ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 18 Jan 2026 16:57:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1636121/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title=" Intro" />
			 
				<psc:chapter start="00:00:48.000" title="A Pierneef Artwork" />
			 
				<psc:chapter start="00:03:07.000" title="Audi RS2" />
			 
				<psc:chapter start="00:05:14.000" title="Tag Heuer Watch" />
			 
				<psc:chapter start="00:06:39.000" title="Designer Bags" />
			 
				<psc:chapter start="00:08:25.000" title="Diamonds" />
			 
				<psc:chapter start="00:10:45.000" title="Final Rankings" />
						</psc:chapters>
				<itunes:title>Best And Worst Alternative Investments - Bags, Art, Watches vs. Stocks</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>11:49</itunes:duration>
		<itunes:summary><![CDATA[Have a question or dilemma? Ask me here: https://learn.moneywithcarla.com/money-scenario

A subscriber shared an artwork with me that they bought in 1986 for R750, and recently sold for 80x the original purchase price. They asked me what I thought about the returns so I decided to make a full video including a few alternative investments shared by subscribers.
So, can artworks, bags, watches, or cars outperform the stock market?]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1636121_medium.m4a?p=rss" length="5803386" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2575404" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1636121_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1636121?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Your Pay Check Doesn’t Matter Without These 7 Things</title>
		<link>https://iono.fm/e/1633589</link>
		<guid isPermaLink="true">https://iono.fm/e/1633589</guid>
		<description><![CDATA[What's your wealth score? Find out for FREE: https://score.moneywithcarla.com/wealthscore<br />
<br />
If you've ever wanted to get a birds eye view of your financial "health" or score, this episode is for you.<br />
Yes, your pay check makes a difference in your finances, but so many other aspects play into your financial well-being and whether or not you are secure and free. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 11 Jan 2026 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1633589/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:01:06.000" title="Foundation" />
			 
				<psc:chapter start="00:01:37.000" title="Budgeting &amp; Spending" />
			 
				<psc:chapter start="00:02:37.000" title="Mindset &amp; Values" />
			 
				<psc:chapter start="00:03:58.000" title="Long Term Goals" />
			 
				<psc:chapter start="00:05:23.000" title="Saving &amp; Investing" />
			 
				<psc:chapter start="00:06:15.000" title="Literacy &amp; Confidence" />
						</psc:chapters>
				<itunes:title>Your Pay Check Doesn’t Matter Without These 7 Things</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>10:02</itunes:duration>
		<itunes:summary><![CDATA[What's your wealth score? Find out for FREE: https://score.moneywithcarla.com/wealthscore

If you've ever wanted to get a birds eye view of your financial "health" or score, this episode is for you.
Yes, your pay check makes a difference in your finances, but so many other aspects play into your financial well-being and whether or not you are secure and free.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1633589_medium.m4a?p=rss" length="4929523" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2187747" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1633589_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1633589?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>The ONLY Money Goals You'll Need in 2026</title>
		<link>https://iono.fm/e/1631548</link>
		<guid isPermaLink="true">https://iono.fm/e/1631548</guid>
		<description><![CDATA[Sign up for my FREE money masterclass: https://learn.moneywithcarla.com/registration-page-8f1bd599-6cc5-41f2-b25b-55e954afebb8<br />
Get your FREE money goal setting worksheet: https://learn.moneywithcarla.com/your-money-goal-worksheet<br />
<br />
We all set goals for the new year. But are you setting your financial goals just to have goals, or are you setting goals to actually achieve them?<br />
In this video, I'm showing you exactly how to set financial goals you will actually achieve, no matter your income level.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 04 Jan 2026 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1631548/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:51.000" title="Step 1" />
			 
				<psc:chapter start="00:02:00.000" title="Step 2 " />
			 
				<psc:chapter start="00:03:26.000" title="Step 3 " />
			 
				<psc:chapter start="00:04:42.000" title="Step 4 " />
			 
				<psc:chapter start="00:06:22.000" title="Step 5" />
			 
				<psc:chapter start="00:07:27.000" title="Step 6" />
						</psc:chapters>
				<itunes:title>The ONLY Money Goals You'll Need in 2026</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>8:33</itunes:duration>
		<itunes:summary><![CDATA[Sign up for my FREE money masterclass: https://learn.moneywithcarla.com/registration-page-8f1bd599-6cc5-41f2-b25b-55e954afebb8
Get your FREE money goal setting worksheet: https://learn.moneywithcarla.com/your-money-goal-worksheet

We all set goals for the new year. But are you setting your financial goals just to have goals, or are you setting goals to actually achieve them?
In this video, I'm showing you exactly how to set financial goals you will actually achieve, no matter your income level.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1631548_medium.m4a?p=rss" length="4202581" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="1865286" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1631548_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1631548?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Why 25 Million Might Not Be Enough To Retire</title>
		<link>https://iono.fm/e/1630908</link>
		<guid isPermaLink="true">https://iono.fm/e/1630908</guid>
		<description><![CDATA[Get your FREE financial freedom calculator: https://learn.moneywithcarla.com/financial-freedom-calculator<br />
How to calculate your financial freedom number: https://youtu.be/O_YIGs_t4YU<br />
<br />
Is 25 million enough for a 30 year old South African to retire?<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 28 Dec 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1630908/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:26.000" title="Scenario details" />
			 
				<psc:chapter start="00:01:05.000" title="Adjusting for inflation" />
			 
				<psc:chapter start="00:01:49.000" title="What research says" />
			 
				<psc:chapter start="00:02:45.000" title="How much would they need to invest?" />
						</psc:chapters>
				<itunes:title>Why 25 Million Might Not Be Enough To Retire</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>5:48</itunes:duration>
		<itunes:summary><![CDATA[Get your FREE financial freedom calculator: https://learn.moneywithcarla.com/financial-freedom-calculator
How to calculate your financial freedom number: https://youtu.be/O_YIGs_t4YU

Is 25 million enough for a 30 year old South African to retire?

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1630908_medium.m4a?p=rss" length="2854081" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="1267107" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1630908_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1630908?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>My Net Worth Update 2025 (Full Breakdown)</title>
		<link>https://iono.fm/e/1630270</link>
		<guid isPermaLink="true">https://iono.fm/e/1630270</guid>
		<description><![CDATA[Use my portfolio calculator: https://learn.moneywithcarla.com/offers/2JvHNqaD/checkout<br />
Sign up to my newsletter: https://learn.moneywithcarla.com/newsletter-signup<br />
Try the same quiz I did: https://www.wealthscorequiz.com/<br />
<br />
In this episode, I'm sharing my full net worth breakdown, plus revisiting some goals I set for last year and finally setting new goals for the new year.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 21 Dec 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>My Net Worth Update 2025 (Full Breakdown)</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>13:58</itunes:duration>
		<itunes:summary><![CDATA[Use my portfolio calculator: https://learn.moneywithcarla.com/offers/2JvHNqaD/checkout
Sign up to my newsletter: https://learn.moneywithcarla.com/newsletter-signup
Try the same quiz I did: https://www.wealthscorequiz.com/

In this episode, I'm sharing my full net worth breakdown, plus revisiting some goals I set for last year and finally setting new goals for the new year.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1630270_medium.m4a?p=rss" length="6855926" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="3042274" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1630270_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1630270?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>How Much Do South Africans Really Need to Retire?</title>
		<link>https://iono.fm/e/1626206</link>
		<guid isPermaLink="true">https://iono.fm/e/1626206</guid>
		<description><![CDATA[Get your FREE Financial Freedom Calculator: https://learn.moneywithcarla.com/financial-freedom-calculator<br />
<br />
If you've ever wondered how you should even know what your target number for retirement or financial freedom should be, this is for you.<br />
In today's episode I talk about everything that comes into play with the popular 4% rule and how it applies to South Africa. I also show you exactly how to calculate your financial freedom number using my calculator.<br />
<br />
Disclaimer:<br />
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 07 Dec 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1626206/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:48.000" title="How the 4% rule works" />
			 
				<psc:chapter start="00:02:15.000" title="How the 4% rule is different for South Africans" />
			 
				<psc:chapter start="00:07:30.000" title="The impact of fees" />
			 
				<psc:chapter start="00:09:15.000" title="How South Africans can calculate their financial freedom number" />
			 
				<psc:chapter start="00:10:00.000" title="Use my FREE Financial Freedom Calculator" />
						</psc:chapters>
				<itunes:title>How Much Do South Africans Really Need to Retire?</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>12:10</itunes:duration>
		<itunes:summary><![CDATA[Get your FREE Financial Freedom Calculator: https://learn.moneywithcarla.com/financial-freedom-calculator

If you've ever wondered how you should even know what your target number for retirement or financial freedom should be, this is for you.
In today's episode I talk about everything that comes into play with the popular 4% rule and how it applies to South Africa. I also show you exactly how to calculate your financial freedom number using my calculator.

Disclaimer:
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1626206_medium.m4a?p=rss" length="5968748" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2648677" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1626206_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1626206?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Sell or Keep the Cape Town Property? (Moving Abroad)</title>
		<link>https://iono.fm/e/1623267</link>
		<guid isPermaLink="true">https://iono.fm/e/1623267</guid>
		<description><![CDATA[Subscribe to my newsletter: https://learn.moneywithcarla.com/newsletter-signup<br />
Submit your question: https://learn.moneywithcarla.com/money-scenario<br />
<br />
This week I'm running the numbers on whether this Cape Town property is worth keeping or should rather be sold.<br />
<br />
Disclaimer: <br />
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 30 Nov 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1623267/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:44.000" title="Scenario details" />
			 
				<psc:chapter start="00:01:05.000" title="Running the numbers" />
			 
				<psc:chapter start="00:08:16.000" title="Is 5 years a good timeline?" />
			 
				<psc:chapter start="00:11:40.000" title="What would I do?" />
						</psc:chapters>
				<itunes:title>Sell or Keep the Cape Town Property? (Moving Abroad)</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>12:50</itunes:duration>
		<itunes:summary><![CDATA[Subscribe to my newsletter: https://learn.moneywithcarla.com/newsletter-signup
Submit your question: https://learn.moneywithcarla.com/money-scenario

This week I'm running the numbers on whether this Cape Town property is worth keeping or should rather be sold.

Disclaimer: 
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1623267_medium.m4a?p=rss" length="6302596" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2796850" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1623267_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1623267?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>5 Steps Wealthy Parents Take to Set Kids Up For Financial Success</title>
		<link>https://iono.fm/e/1620232</link>
		<guid isPermaLink="true">https://iono.fm/e/1620232</guid>
		<description><![CDATA[My FREE mini-course: https://learn.moneywithcarla.com/mini-course<br />
<br />
If you find yourself Googling "How to give my kids a good financial future," this episode is for you.<br />
This is a generational wealth plan that can work at ANY income level. You can start big or small, as long as you just start.<br />
<br />
Disclaimer: <br />
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 23 Nov 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1620232/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:01:03.000" title="Step 1" />
			 
				<psc:chapter start="00:03:18.000" title="Step 2" />
			 
				<psc:chapter start="00:04:55.000" title="Step 3" />
			 
				<psc:chapter start="00:05:48.000" title="Step 4" />
			 
				<psc:chapter start="00:06:27.000" title="Step 5" />
						</psc:chapters>
				<itunes:title>5 Steps Wealthy Parents Take to Set Kids Up For Financial Success</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>8:01</itunes:duration>
		<itunes:summary><![CDATA[My FREE mini-course: https://learn.moneywithcarla.com/mini-course

If you find yourself Googling "How to give my kids a good financial future," this episode is for you.
This is a generational wealth plan that can work at ANY income level. You can start big or small, as long as you just start.

Disclaimer: 
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Although I do everything I can to ensure calculations are accurate, they could include errors. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1620232_medium.m4a?p=rss" length="3940704" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="1749081" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1620232_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1620232?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Johannesburg Property: Sell or Hold On?</title>
		<link>https://iono.fm/e/1618419</link>
		<guid isPermaLink="true">https://iono.fm/e/1618419</guid>
		<description><![CDATA[Submit your question: https://learn.moneywithcarla.com/money-scenario<br />
<br />
Is it best to hold on to or sell this property in Johannesburg, South Africa? Property investments are not always what they seem. So I compared a REAL house in Johannesburg to investing in the stock market.<br />
<br />
Disclaimer: <br />
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 16 Nov 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Johannesburg Property: Sell or Hold On?</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>13:08</itunes:duration>
		<itunes:summary><![CDATA[Submit your question: https://learn.moneywithcarla.com/money-scenario

Is it best to hold on to or sell this property in Johannesburg, South Africa? Property investments are not always what they seem. So I compared a REAL house in Johannesburg to investing in the stock market.

Disclaimer: 
Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1618419_medium.m4a?p=rss" length="6445396" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2860179" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1618419_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1618419?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>What's REALLY Behind Gold's Performance - And Is It Worth Investing In?</title>
		<link>https://iono.fm/e/1615904</link>
		<guid isPermaLink="true">https://iono.fm/e/1615904</guid>
		<description><![CDATA[Watch my FREE masterclass: https://learn.moneywithcarla.com/investing-masterclass-replay-opt-in-october-2025<br />
<br />
Why is gold performing so well? What happens if it stops? And is gold even a worthwhile investment? All of that and more in this week's episode.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.<br />
See full disclaimer on website. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 09 Nov 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1615904/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:41.000" title="Gold as a safe haven asset" />
			 
				<psc:chapter start="00:02:20.000" title="Why has gold been performing so well?" />
			 
				<psc:chapter start="00:05:12.000" title="How long will this last?" />
			 
				<psc:chapter start="00:06:25.000" title="The influence of AI in the performance of gold investments" />
			 
				<psc:chapter start="00:07:15.000" title="Is gold a good long-term investment?" />
			 
				<psc:chapter start="00:09:15.000" title="Bitcoin as part of the gold conversation" />
			 
				<psc:chapter start="00:12:16.000" title="What I&#039;m doing going forward" />
						</psc:chapters>
				<itunes:title>What's REALLY Behind Gold's Performance - And Is It Worth Investing In?</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>13:14</itunes:duration>
		<itunes:summary><![CDATA[Watch my FREE masterclass: https://learn.moneywithcarla.com/investing-masterclass-replay-opt-in-october-2025

Why is gold performing so well? What happens if it stops? And is gold even a worthwhile investment? All of that and more in this week's episode.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.
See full disclaimer on website.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1615904_medium.m4a?p=rss" length="6494758" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2882090" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1615904_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1615904?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>The #1 Financial Safety Net You Need to Survive Economic Downturns</title>
		<link>https://iono.fm/e/1612997</link>
		<guid isPermaLink="true">https://iono.fm/e/1612997</guid>
		<description><![CDATA[Get My Money System here: https://learn.moneywithcarla.com/Money-System-Tool<br />
<br />
Today we're talking about all things emergency funds. This is one of the most important blocks in your financial foundation, so it's important to get it right.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.<br />
See full disclaimer on website. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 02 Nov 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1612997/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:01:11.000" title="How big should my emergency fund be?" />
			 
				<psc:chapter start="00:05:52.000" title="Where should you keep your emergency fund?" />
			 
				<psc:chapter start="00:11:40.000" title="Should I use my TFSA for my emergency fund?" />
						</psc:chapters>
				<itunes:title>The #1 Financial Safety Net You Need to Survive Economic Downturns</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>14:56</itunes:duration>
		<itunes:summary><![CDATA[Get My Money System here: https://learn.moneywithcarla.com/Money-System-Tool

Today we're talking about all things emergency funds. This is one of the most important blocks in your financial foundation, so it's important to get it right.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.
See full disclaimer on website.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1612997_medium.m4a?p=rss" length="7327194" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="3251311" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1612997_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1612997?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Stop Chasing the Wrong Financial Goals - What Financial Freedom Actually Means</title>
		<link>https://iono.fm/e/1610960</link>
		<guid isPermaLink="true">https://iono.fm/e/1610960</guid>
		<description><![CDATA[Join my FREE, live masterclass: https://learn.moneywithcarla.com/materclass-october<br />
<br />
The final episode of my 3-part series: The Formula to Building Wealth.<br />
What is financial freedom actually? What does success mean? How will you know you've reached it? This week I talk about what financial freedom really is and why it's possible for any person to reach it.<br />
<br />
Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.<br />
See full disclaimer on website. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 26 Oct 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1610960/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:01:23.000" title="The wealth building formula" />
			 
				<psc:chapter start="00:01:40.000" title="The core of financial freedom" />
			 
				<psc:chapter start="00:02:49.000" title="Confidence" />
			 
				<psc:chapter start="00:05:30.000" title="Steps to financial security and growth" />
			 
				<psc:chapter start="00:10:27.000" title="The most empowering step you can take" />
						</psc:chapters>
				<itunes:title>Stop Chasing the Wrong Financial Goals - What Financial Freedom Actually Means</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>13:11</itunes:duration>
		<itunes:summary><![CDATA[Join my FREE, live masterclass: https://learn.moneywithcarla.com/materclass-october

The final episode of my 3-part series: The Formula to Building Wealth.
What is financial freedom actually? What does success mean? How will you know you've reached it? This week I talk about what financial freedom really is and why it's possible for any person to reach it.

Disclaimer: Content produced by Money with Carla is intended as educational only. It does not substitute the need for professional investment advice. Please consult a licensed professional before investing in investment products. Money With Carla is not a licensed advisor and does not sell investment products.
See full disclaimer on website.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1610960_medium.m4a?p=rss" length="6468338" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2870236" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1610960_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1610960?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Stop Doing These 5 Things and Watch Your Wealth Grow</title>
		<link>https://iono.fm/e/1608567</link>
		<guid isPermaLink="true">https://iono.fm/e/1608567</guid>
		<description><![CDATA[My FREE masterclass: https://learn.moneywithcarla.com/materclass-october<br />
<br />
Part 2 of my 3-part series on the formula of wealth-building:<br />
This week we're talking about what drawbacks you need to reduce or eliminate to build real wealth.<br />
<br />
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 19 Oct 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Stop Doing These 5 Things and Watch Your Wealth Grow</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>9:46</itunes:duration>
		<itunes:summary><![CDATA[My FREE masterclass: https://learn.moneywithcarla.com/materclass-october

Part 2 of my 3-part series on the formula of wealth-building:
This week we're talking about what drawbacks you need to reduce or eliminate to build real wealth.

My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1608567_medium.m4a?p=rss" length="4796547" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2128754" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1608567_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1608567?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>What the Rich Do Right (And It’s Not Earning More)</title>
		<link>https://iono.fm/e/1606326</link>
		<guid isPermaLink="true">https://iono.fm/e/1606326</guid>
		<description><![CDATA[Join my FREE upcoming masterclass: https://learn.moneywithcarla.com/materclass-october<br />
<br />
This is the first episode of a three-part video series where I am talking all about the formula to building wealth. This week is about what you need to do more of, and the next episode will be about what you need to do less of.<br />
<br />
Disclaimer: <br />
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 12 Oct 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>What the Rich Do Right (And It’s Not Earning More)</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>6:17</itunes:duration>
		<itunes:summary><![CDATA[Join my FREE upcoming masterclass: https://learn.moneywithcarla.com/materclass-october

This is the first episode of a three-part video series where I am talking all about the formula to building wealth. This week is about what you need to do more of, and the next episode will be about what you need to do less of.

Disclaimer: 
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1606326_medium.m4a?p=rss" length="3088909" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="1371293" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1606326_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1606326?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Don’t Lose Out! How to Make the Most of Employer Pensions and Benefits</title>
		<link>https://iono.fm/e/1603869</link>
		<guid isPermaLink="true">https://iono.fm/e/1603869</guid>
		<description><![CDATA[Submit your questions: https://learn.moneywithcarla.com/money-scenario<br />
<br />
This week, Carla answers questions related to retirement, RAs, employee share schemes and provident funds.<br />
<br />
Disclaimer:<br />
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 05 Oct 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1603869/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:58.000" title="Keep or sell employer share incentives?" />
			 
				<psc:chapter start="00:05:07.000" title="Don&#039;t make these provident fund mistakes." />
			 
				<psc:chapter start="00:14:50.000" title="What to do when your RA is in a country you don&#039;t plan to retire in." />
			 
				<psc:chapter start="00:18:46.000" title="Keeping your retirement offshore when moving back to South Africa." />
						</psc:chapters>
				<itunes:title>Don’t Lose Out! How to Make the Most of Employer Pensions and Benefits</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>22:50</itunes:duration>
		<itunes:summary><![CDATA[Submit your questions: https://learn.moneywithcarla.com/money-scenario

This week, Carla answers questions related to retirement, RAs, employee share schemes and provident funds.

Disclaimer:
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1603869_medium.m4a?p=rss" length="11201180" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="4969745" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1603869_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1603869?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>It's Not Just Money: What Really Counts Towards Your Net Worth</title>
		<link>https://iono.fm/e/1600893</link>
		<guid isPermaLink="true">https://iono.fm/e/1600893</guid>
		<description><![CDATA[Sign up for my FREE mini course:<br />
https://learn.moneywithcarla.com/mini-course<br />
<br />
In this episode, Carla goes over the 3 stages of building wealth, a hidden asset most people don't consider as part of their net worth, and the most common mistakes and challenges people face in all 3 stages. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 28 Sep 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1600893/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:32.000" title="Stage 1 of building wealth" />
			 
				<psc:chapter start="00:04:51.000" title="Stage 2 of building wealth" />
			 
				<psc:chapter start="00:10:33.000" title="Stage 3 of building wealth" />
						</psc:chapters>
				<itunes:title>It's Not Just Money: What Really Counts Towards Your Net Worth</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>16:34</itunes:duration>
		<itunes:summary><![CDATA[Sign up for my FREE mini course:
https://learn.moneywithcarla.com/mini-course

In this episode, Carla goes over the 3 stages of building wealth, a hidden asset most people don't consider as part of their net worth, and the most common mistakes and challenges people face in all 3 stages.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1600893_medium.m4a?p=rss" length="8130291" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="3607552" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1600893_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1600893?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>How Much YouTube Pays Me (EXACT numbers)</title>
		<link>https://iono.fm/e/1599193</link>
		<guid isPermaLink="true">https://iono.fm/e/1599193</guid>
		<description><![CDATA[Join 12k Insiders in subscribing to my weekly Insider Letter:<br />
https://learn.moneywithcarla.com/newsletter-signup<br />
<br />
This week, I'm revealing exactly how much YouTube pays me as a finance and investing content creator with 20k subscribers. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 21 Sep 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>How Much YouTube Pays Me (EXACT numbers)</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>18:39</itunes:duration>
		<itunes:summary><![CDATA[Join 12k Insiders in subscribing to my weekly Insider Letter:
https://learn.moneywithcarla.com/newsletter-signup

This week, I'm revealing exactly how much YouTube pays me as a finance and investing content creator with 20k subscribers.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1599193_medium.m4a?p=rss" length="9151275" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="4060320" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1599193_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1599193?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>This Popular Strategy Will NEVER Make You Wealthy</title>
		<link>https://iono.fm/e/1596798</link>
		<guid isPermaLink="true">https://iono.fm/e/1596798</guid>
		<description><![CDATA[Get your FREE Financial Freedom calculator:<br />
https://learn.moneywithcarla.com/financial-freedom-calculator<br />
<br />
Why I would choose index funds over ANY other investment:<br />
https://youtu.be/MSq33kRqMOQ?si=qJ_jpdG3o7utau-O<br />
<br />
Carla talks about why you need to do more than save in order to become wealthy, her education-risk curve, and what is the right amount of risk to take in your investment portfolio.<br />
<br />
Disclaimer:<br />
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 14 Sep 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>This Popular Strategy Will NEVER Make You Wealthy</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>19:41</itunes:duration>
		<itunes:summary><![CDATA[Get your FREE Financial Freedom calculator:
https://learn.moneywithcarla.com/financial-freedom-calculator

Why I would choose index funds over ANY other investment:
https://youtu.be/MSq33kRqMOQ?si=qJ_jpdG3o7utau-O

Carla talks about why you need to do more than save in order to become wealthy, her education-risk curve, and what is the right amount of risk to take in your investment portfolio.

Disclaimer:
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1596798_medium.m4a?p=rss" length="9657625" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="4284886" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1596798_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1596798?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Can You REALLY Afford It? How to Make Big Purchases Without Regrets</title>
		<link>https://iono.fm/e/1594495</link>
		<guid isPermaLink="true">https://iono.fm/e/1594495</guid>
		<description><![CDATA[The Money System I Use:<br />
https://youtu.be/qxiDtoAaouM?si=_OlhAthb5k8leTrn<br />
<br />
In this episode, Carla talks about when you can REALLY afford something, when it's best to buy something cash or with a loan, and lifestyle creep. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 07 Sep 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1594495/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:00:28.000" title="How do I know when I can actually afford something?" />
			 
				<psc:chapter start="00:01:38.000" title="The balance between overspending and over-investing" />
			 
				<psc:chapter start="00:02:55.000" title="How much to invest and how much to put towards an improved lifestyle" />
			 
				<psc:chapter start="00:03:40.000" title="Is the boat worth it?" />
			 
				<psc:chapter start="00:08:16.000" title="Buying a car outright vs. financing" />
			 
				<psc:chapter start="00:10:50.000" title="Should you finance big purchases for your business?" />
						</psc:chapters>
				<itunes:title>Can You REALLY Afford It? How to Make Big Purchases Without Regrets</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>14:30</itunes:duration>
		<itunes:summary><![CDATA[The Money System I Use:
https://youtu.be/qxiDtoAaouM?si=_OlhAthb5k8leTrn

In this episode, Carla talks about when you can REALLY afford something, when it's best to buy something cash or with a loan, and lifestyle creep.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1594495_medium.m4a?p=rss" length="7117053" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="3158020" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1594495_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1594495?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>How You’re LOSING Up To 67% Of Your Investment Value</title>
		<link>https://iono.fm/e/1594276</link>
		<guid isPermaLink="true">https://iono.fm/e/1594276</guid>
		<description><![CDATA[Carla uses her Investment Plumbing Framework to explain how layered investment fees are reducing the returns your investments generate and how you can reduce fees drastically.<br />
<br />
Watch the FREE masterclass:<br />
https://learn.moneywithcarla.com/investing-masterclass-opt-in-August-2025<br />
<br />
Watch the video on Index ETFs:<br />
https://youtu.be/MSq33kRqMOQ?si=7TeRK2Li7Z2gr06D <br />
<br />
Disclaimer:<br />
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 31 Aug 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1594276/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:02:30.000" title="How investment fees work" />
			 
				<psc:chapter start="00:07:03.000" title="Compounding" />
			 
				<psc:chapter start="00:09:58.000" title="Fee scale" />
			 
				<psc:chapter start="00:11:00.000" title="Four steps to avoid costly investments" />
						</psc:chapters>
				<itunes:title>How You’re LOSING Up To 67% Of Your Investment Value</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>16:32</itunes:duration>
		<itunes:summary><![CDATA[Carla uses her Investment Plumbing Framework to explain how layered investment fees are reducing the returns your investments generate and how you can reduce fees drastically.

Watch the FREE masterclass:
https://learn.moneywithcarla.com/investing-masterclass-opt-in-August-2025

Watch the video on Index ETFs:
https://youtu.be/MSq33kRqMOQ?si=7TeRK2Li7Z2gr06D 

Disclaimer:
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1594276_medium.m4a?p=rss" length="8112112" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="3599477" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1594276_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1594276?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Simple Ways of Investing for Busy Moms to Build Wealth</title>
		<link>https://iono.fm/e/1593833</link>
		<guid isPermaLink="true">https://iono.fm/e/1593833</guid>
		<description><![CDATA[Carla talks to Marisa Tallie from fitmom podcast about investing to build wealth, overcoming outdated money mindsets, side hustles, and how to unlock your entrepreneurial spirit.<br />
<br />
Stay up-to-date on Money with Carla:<br />
Instagram: @moneywithcarla<br />
YouTube: @MoneywithCarla<br />
TikTok: @moneywithcarla<br />
<br />
Sign up for the Money with Carla insider letter: https://learn.moneywithcarla.com/newsletter-signup ]]></description>
					<category>Investing</category>
				<pubDate>Fri, 22 Aug 2025 10:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Simple Ways of Investing for Busy Moms to Build Wealth</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>1:06:44</itunes:duration>
		<itunes:summary><![CDATA[Carla talks to Marisa Tallie from fitmom podcast about investing to build wealth, overcoming outdated money mindsets, side hustles, and how to unlock your entrepreneurial spirit.

Stay up-to-date on Money with Carla:
Instagram: @moneywithcarla
YouTube: @MoneywithCarla
TikTok: @moneywithcarla

Sign up for the Money with Carla insider letter: https://learn.moneywithcarla.com/newsletter-signup]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1593833_medium.m4a?p=rss" length="32724930" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="14517290" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1593833_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1593833?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Why Most People FAIL to Build Wealth</title>
		<link>https://iono.fm/e/1587176</link>
		<guid isPermaLink="true">https://iono.fm/e/1587176</guid>
		<description><![CDATA[Watch my FREE masterclass: https://learn.moneywithcarla.com/investing-masterclass-opt-in-August-2025<br />
<br />
My Budgeting Tool:<br />
https://learn.moneywithcarla.com/Money-System-Tool<br />
<br />
In this episode, Carla talks about the biggest reasons why most people (including high earners) never build wealth and how you can set yourself up for success.<br />
<br />
DISCLAIMER:<br />
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. <a href="https://learn.moneywithcarla.com/registration-page-93bfb0ec-8c2c-42d3-8bbd-3cee327c9475">My FREE Masterclass</a> &middot; <a href="https://learn.moneywithcarla.com/Money-System-Tool">My Budgeting Tool</a>]]></description>
					<category>Investing</category>
				<pubDate>Sun, 17 Aug 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1587176/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Intro" />
			 
				<psc:chapter start="00:01:30.000" title="My Wealth Triangle" />
			 
				<psc:chapter start="00:13:01.000" title="Other Things Preventing You From Building Wealth" />
						</psc:chapters>
				<itunes:title>Why Most People FAIL to Build Wealth</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>20:25</itunes:duration>
		<itunes:summary><![CDATA[Watch my FREE masterclass: https://learn.moneywithcarla.com/investing-masterclass-opt-in-August-2025

My Budgeting Tool:
https://learn.moneywithcarla.com/Money-System-Tool

In this episode, Carla talks about the biggest reasons why most people (including high earners) never build wealth and how you can set yourself up for success.

DISCLAIMER:
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1587176_medium.m4a?p=rss" length="10016560" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="4444170" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1587176_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1587176?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Buy or Rent, Earning $ in SA, Advisors, and Expat RAs</title>
		<link>https://iono.fm/e/1584586</link>
		<guid isPermaLink="true">https://iono.fm/e/1584586</guid>
		<description><![CDATA[SUBMIT YOUR QUESTIONS:<br />
https://learn.moneywithcarla.com/money-scenario<br />
<br />
Carla answers your questions about buying versus renting, earning in USD as a South African, what to do with your RA as an expat, and whether you need an advisor.<br />
<br />
DISCLAIMER:<br />
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. ]]></description>
					<category>Investing</category>
				<pubDate>Sun, 10 Aug 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1584586/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Buy or Rent" />
			 
				<psc:chapter start="00:03:24.000" title="What should an expat do with their old RA?" />
			 
				<psc:chapter start="00:06:18.000" title="Earning USD in South Africa" />
			 
				<psc:chapter start="00:10:38.000" title="My response to an advisor&#039;s message" />
						</psc:chapters>
				<itunes:title>Buy or Rent, Earning $ in SA, Advisors, and Expat RAs</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>16:05</itunes:duration>
		<itunes:summary><![CDATA[SUBMIT YOUR QUESTIONS:
https://learn.moneywithcarla.com/money-scenario

Carla answers your questions about buying versus renting, earning in USD as a South African, what to do with your RA as an expat, and whether you need an advisor.

DISCLAIMER:
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1584586_medium.m4a?p=rss" length="7891952" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="3501804" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1584586_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1584586?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Outlier Properties, Earning and Investing Offshore &amp; What Currency to Invest In</title>
		<link>https://iono.fm/e/1580107</link>
		<guid isPermaLink="true">https://iono.fm/e/1580107</guid>
		<description><![CDATA[SUBMIT YOUR QUESTIONS: <br />
https://learn.moneywithcarla.com/money-scenario<br />
<br />
INVESTING COURSE WAITLIST:<br />
https://learn.moneywithcarla.com/invest-with-confidence-the-complete-guide-to-smart-investing-1<br />
<br />
In this episode, Carla talks about the importance of taking calculated risks in your portfolio, an outlier property investment, whether you should invest in dollars or euros, and offshore investing as an expat.<br />
<br />
DISCLAIMER:<br />
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. <a href="https://learn.moneywithcarla.com/money-scenario">Submit Your Questions</a> &middot; <a href="https://learn.moneywithcarla.com/invest-with-confidence-the-complete-guide-to-smart-investing-1">Join the flagship investing course waitlist</a>]]></description>
					<category>Investing</category>
				<pubDate>Sun, 27 Jul 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1580107/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Property in Limpopo" />
			 
				<psc:chapter start="00:21:17.000" title="Earning &amp; Investing Overseas" />
			 
				<psc:chapter start="00:24:03.000" title="Investing in Dollars or Euros" />
			 
				<psc:chapter start="00:26:45.000" title="Is Investing Gambling?" />
						</psc:chapters>
				<itunes:title>Outlier Properties, Earning and Investing Offshore &amp; What Currency to Invest In</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>36:32</itunes:duration>
		<itunes:summary><![CDATA[SUBMIT YOUR QUESTIONS: 
https://learn.moneywithcarla.com/money-scenario

INVESTING COURSE WAITLIST:
https://learn.moneywithcarla.com/invest-with-confidence-the-complete-guide-to-smart-investing-1

In this episode, Carla talks about the importance of taking calculated risks in your portfolio, an outlier property investment, whether you should invest in dollars or euros, and offshore investing as an expat.

DISCLAIMER:
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1580107_medium.m4a?p=rss" length="17923295" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="7951466" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1580107_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1580107?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>The Stock Market In SIMPLE Terms</title>
		<link>https://iono.fm/e/1579864</link>
		<guid isPermaLink="true">https://iono.fm/e/1579864</guid>
		<description><![CDATA[In this episode, Carla breaks down what the stock market really is and how it works. Understanding this concept is a key step on your journey to building wealth.<br />
<br />
Get started with the free mini-course:<br />
https://learn.moneywithcarla.com/mini-course<br />
<br />
Join the flagship investing course waitlist:<br />
https://learn.moneywithcarla.com/invest-with-confidence-the-complete-guide-to-smart-investing-1<br />
<br />
DISCLAIMER:<br />
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. <a href="https://learn.moneywithcarla.com/mini-course">Get started with the free mini-course</a> &middot; <a href="https://learn.moneywithcarla.com/invest-with-confidence-the-complete-guide-to-smart-investing-1">Join the flagship investing course waitlist</a>]]></description>
					<category>Investing</category>
				<pubDate>Sun, 20 Jul 2025 14:00:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
					<podcast:chapters url="https://dl.iono.fm/chapters/1579864/json" type="application/json+chapters" />
							<psc:chapters version="1.2" xmlns:psc="http://podlove.org/simple-chapters">
			 
				<psc:chapter start="00:00:00.000" title="Stock + Market" />
			 
				<psc:chapter start="00:02:52.000" title="How Stocks Are Priced" />
			 
				<psc:chapter start="00:06:43.000" title="Index Funds" />
			 
				<psc:chapter start="00:09:55.000" title="Brokerage Accounts" />
						</psc:chapters>
				<itunes:title>The Stock Market In SIMPLE Terms</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>12:20</itunes:duration>
		<itunes:summary><![CDATA[In this episode, Carla breaks down what the stock market really is and how it works. Understanding this concept is a key step on your journey to building wealth.

Get started with the free mini-course:
https://learn.moneywithcarla.com/mini-course

Join the flagship investing course waitlist:
https://learn.moneywithcarla.com/invest-with-confidence-the-complete-guide-to-smart-investing-1

DISCLAIMER:
My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1579864_medium.m4a?p=rss" length="6056503" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="2687596" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1579864_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1579864?download=0]]></ionofm:player_url>
	</item>
	<item>
		<title>Risky Investments, Access Bonds &amp; a TFSA at 58</title>
		<link>https://iono.fm/e/1577667</link>
		<guid isPermaLink="true">https://iono.fm/e/1577667</guid>
		<description><![CDATA[In this Q&A, Carla takes a casual, candid approach and answers your personal finance and investing questions. She covers whether property is the smartest investment in your 20s, how to handle emergency funds, and if a Tax-Free Savings Account is worth it at 58.<br />
<br />
Submit your questions: https://learn.moneywithcarla.com/money-scenario<br />
Instagram: @moneywithcarla<br />
YouTube: https://www.youtube.com/@MoneywithCarla<br />
Website: https://www.moneywithcarla.com/<br />
<br />
Disclaimer: My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.<br />
See website for full disclaimer. ]]></description>
					<category>Investing</category>
				<pubDate>Thu, 26 Jun 2025 12:12:00 +0200</pubDate>
				<podcast:season>0</podcast:season>
		<podcast:episode>0</podcast:episode>
						<itunes:title>Risky Investments, Access Bonds &amp; a TFSA at 58</itunes:title>
		<itunes:season>0</itunes:season>
		<itunes:episode>0</itunes:episode>
		<itunes:author>Carla Venter</itunes:author>
					<itunes:episodeType>full</itunes:episodeType>
				<itunes:image href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_1400.jpeg"/>
		<itunes:duration>17:30</itunes:duration>
		<itunes:summary><![CDATA[In this Q&A, Carla takes a casual, candid approach and answers your personal finance and investing questions. She covers whether property is the smartest investment in your 20s, how to handle emergency funds, and if a Tax-Free Savings Account is worth it at 58.

Submit your questions: https://learn.moneywithcarla.com/money-scenario
Instagram: @moneywithcarla
YouTube: https://www.youtube.com/@MoneywithCarla
Website: https://www.moneywithcarla.com/

Disclaimer: My content, courses, videos, and blogs do not constitute investment advice. I am not a licensed financial advisor and don't provide guidance or recommendations regarding investment products. This content is only for educational purposes and should not be considered personalised investment or tax advice. Capital is at risk when investing, and historic performance is not indicative of future performance. Accuracy of calculations is not guaranteed, and Carla cannot be held responsible for decisions based upon any of her content. Do your own research before investing.
See website for full disclaimer.]]></itunes:summary>
				<source url="https://rss.iono.fm/rss/chan/9436">Money with Carla</source>
		<enclosure url="https://dl.iono.fm/epi/prov_4126/epi_1577667_medium.m4a?p=rss" length="8585302" type="audio/x-m4a" />
								<podcast:alternateEnclosure type="audio/x-m4a" length="3809361" bitrate="28000" title="Low quality">
			  <podcast:source uri="https://dl.iono.fm/epi/prov_4126/epi_1577667_low.m4a?p=rss" />
			</podcast:alternateEnclosure>
							<ionofm:thumbnail href="https://cdn.iono.fm/files/p4126/logo_4126_20250905_161235_750.jpeg"/>
		<ionofm:coverart href=""/>
		<ionofm:player_url><![CDATA[https://iframe.iono.fm/e/1577667?download=0]]></ionofm:player_url>
	</item>

	</channel>
</rss>
