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Welcome to Season 4 of The Swan Effect Podcast, with your hosts Arthi Rabikrisson and Malika Peterson!

It is the year they are officially calling "2020-Thrive"!

This new season will focus on how we can become our own financial superheroes inspired by fictional characters

Kicking off the season, episode 1 explores the importance of a wealth mindset and how this mindset involves thinking and acting in ways that foster abundance rather than scarcity.

Malika shares her personal experiences and the impact of childhood narratives on her financial mindset and actions. Arthi shares later on how a three-question approach can challenge limiting beliefs, with the questions being around:

• understanding why the belief exists,
• examining the evidence for it, and
• recognizing evidence of success.

Listen in to Malika and Arthi as they discuss:

• Defining a wealth mindset
• The contrast between a wealth and scarcity mindset
• Shifting the limiting beliefs that are affecting your mindset
• The link between a wealth mindset and emotional intelligence
• The importance of positive influences and being surrounded by success stories
• Practical tips such as daily gratitude and continuous learning
• Common challenges like fear of failure and impatience, plus urging listeners to embrace setbacks and maintain long-term thinking
• Getting into the habit of setting goals
• how to take small steps every day to shift your mindset and focus on abundance.

And so much more!

We would love to hear your views based on the concepts covered in this episode.

Do rate, write a review, and share with others.

This episode is proudly sponsored by Old Mutual Wealth.

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Unlock the secrets of wealth management and personal growth as Arthi and Malika take a look back at 2024, a year filled with "aha" moments that have shaped both their lives and listeners’ too. As they recount their journey and set the stage for ambitious goals in 2025, expect insights that will empower you to reflect on your own financial experiences and embrace the potential of online learning.

Some stand-out episodes to consider:

• Journey with us into the world of cryptocurrency and discover the transformative power of community-driven investment strategies. With expert guidance, we navigated the dynamic crypto market, finding clarity and purpose in our investments.
• Learn about Ubuntu, the South African concept fostering collective action, and how crowdfunding and crowdinvesting challenge traditional charity, empowering listeners to pursue personal and community wealth-building initiatives. These strategies prove that financial ventures are most powerful when shared and supported by a collective spirit.
• Gain valuable insights into the intersection of financial and mental wellness, particularly for women. The economic divide presents unique challenges, but inclusive banking can empower women to shape future generations' understanding of financial literacy.
• Hear from expert Tiaan Herselmann on South Africa's Two Pot System legislation, and
• Understand how mental health is integral to financial success, especially during Mental Health Awareness Month.

Round out the episode and season, Arthi and Malika encourage you to reflect on your achievements, learn to celebrate them wisely, and set your sights on ambitious goals for 2025. Embrace gratitude and reflection this holiday season as you chart your financial journey forward.

Take a listen to the episode and shift your mindset towards smart financial decisions.

We would love to hear your views based on the concepts covered in this episode.

Do rate, write a review, and share with others.

This episode is proudly sponsored by Old Mutual Wealth.

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November = waiting for Black Friday deals for many people. This is the focus of Episode 10 in Season 3 where Arthi & Malika take a different look at Black Friday and how to strategise your spend.
As you know, this season's theme has been the advent calendar of investments.

Thus this episode offer a Black Friday 2 for 1 sweetener, as two advent calendar slots are unveiled, being (1) the importance of understanding assets versus liabilities, and (2) delayed gratification in wealth creation.

Arthi explains that assets generate income, while liabilities cost money. Many examples are discussed including residential property actually being a liability, and only really becomes an asset when the income generated from it exceeds the expenses, or a sale thereof generates a profit. Another example discussed includes the purchase of a G-wagon vs a tractor andw hich has teh potential to generate wealth over time.

Arthi then shares some examples on how you can use Black Friday to your advantage and move towards your wealth creation.

Malika makes an impactful point on how the way you see receiving money can have a direct effect on your wealth, which leads to emphasizing the need to delay gratification. For example use a large portion of a bonus to buy more assets than spending it all on 'want' or lifestyle items.

This episode is power-packed with tips and ideas, where Malika & Arthi discuss:

• The Black Friday origin story
• Understanding assets and liabilities
• Sharing examples of assets and liabilities
• How to utilise delayed gratification
• Leveraging debt and assets
• Practical steps to create wealth

and so much more

Remember: “Simply put, assets create wealth, liabilities stunt wealth.”
Take a listen to the episode and shift your mindset towards smart financial decisions.

We would love to hear your views based on the concepts covered in this episode.

Do rate, write a review, and share with others.

This episode is proudly sponsored by Old Mutual Wealth.

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In Season 3 episode 9 Arthi & Malika continue the journey into the advent calendar of financial knowledge. October is Mental Health Awareness Month and the hosts share insights in this episode that mental health equals wealth, both in the figurative and literal sense.

Malika shares some alarming statistics about how people currently feel under pressure and a large part of this is caused by money and finances.

Arthi shares the definition of mental health and mindset & offers insight into brain fitness, and how this can increase your mental health.

Malika makes the connection between the quality of financial decisions during periods of poor mental health, helping to clarify the reciprocal link between mental well-being and financial wellbeing.

Listen in to hear Arthi and Malika discuss:

• The definition of mental health & mindset
• Brain health
• How your mental wellbeing can directly affect your financial wellbeing, based on belief systems we have about money
• Triggers that can affect mental health, such as emotions and overspending.
• Tips to having strong mental & financial health that include having an accountability partner and reducing social media scrolling.

and so much more!

Remember: “your mood, your state of being, and your money are connected.”

We would love to hear your views based on the concepts covered in this episode.

Do rate, write a review, and share with others.

This episode is proudly sponsored by Old Mutual Wealth.

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In Season 3 episode 8 Arthi & Malika are joined by special guest Tiaan Herselman, to discuss the new two pot retirement legislation that came into effect on 1 September 2024 in South Africa. It was designed to assist in the current retirement crisis that retirees are experiencing, where they do not have enough financial resources to allow them to retire comfortably.

Listen in to hear Malika, Arthi & Tiaan discuss:

• What exactly is this new legislation and what do the different “pots” mean
• The intention of this retirement legislation
• The new rules & implications for your savings & tax
• Practical examples of various scenarios depicting the the new pots
• Debunking any myths and mistruths about the 2 pot system

and so much more!

We would love to hear your views based on the concepts covered in this episode.

Do rate, write a review, and share with others.

About Tiaan Herselman:
Tiaan is the Head of Proposition Old Mutual Wealth. He holds a B.Com Financial Planning (cum laude), Post Graduate Diploma in Financial Planning &an Advanced Post Graduate Diploma in Estate Planning. He is also a certified financial planner ® & has spent the last 14 years in the financial services industry during which he started out his career as a financial planner and then moved into the financial planning fintech and investment landscape. He is currently busy completing his MBA at the University of Johannesburg. He has a strong passion for financial planning and making people aware of the value of good financial advice.

This episode is proudly sponsored by Old Mutual Wealth.

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In Season 3 episode 7, it is Women's Month and co-hosts Arthi & Malika discuss the role of women in financial empowerment of their households and communities.

Malika provides surprising statistics about women in finance relating to their earnings, roles and knowledge.

Arthi explains how women are essential in driving the economic growth of the country, and why it is beneficial that we empower women to ensure that their innate ability to grow the economy is catalyzed.

Listen in to hear Malika and Arthi discuss:

• The importance of financial empowerment in education
• Traditional marriage contracts
• Kasi economy & practical examples of how this can expand & provide opportunities to the community
• Banking products & information

and so much more!

Remember: “even skyscrapers are built one brick at a time”

We would love to hear your views based on the concepts covered in this episode.

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This episode is proudly sponsored by Old Mutual Wealth.

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We are already half way through 2024!
In Season 3 episode 6 co-hosts Arthi & Malika discuss the most important asset yet and one that requires your biggest and deepest investment...YOU! In this episode they share practical ways towards holistic well-being.

Arthi recaps the advent calendar of investments that's been discussed thus far in season 3. In setting the scene, she highlights the increasing levels of burnout being identified with employees and individuals, requiring us to enhance our stress management skills. She shares some necessary tips and tools help us be on the right track to success. Arthi shares tested time management tools as well focus and rest periods, for better productivity and health.

Malika focuses on physical well-being, by redirecting listeners towards a total Health legacy review, from family history to current lifestyle so that we can best manage ourselves. She shares 9 great tips around this.

Mental health is just as important as your physical health and Arthi gives insight into some of the hesitancy that people may have when considering getting help and speaking to a professional.

Malika shares a true and powerful story who displays the importance of having different types of lifestyle covers, including protecting your livelihood and income for the future or any unforeseen circumstances.

Listen in to hear Malika and Arthi discuss:

• Employee Burnout
• Stress management skills (Connection; Physical activity; present; mindset; giving back)
• Physical well being (Health legacy, check-ups; vitamins; healthy eating; water; movement; sleep; limit alcohol & tobacco)
• Mental health
• Mindset & changing any unproductive narratives
• Protecting your income & assets
• Intersection of finance and holistic well-being

and so much more

Remember: “Consistency is key”

We would love to hear your views based on the concepts covered in this episode.

Do rate, write a review, and share with others.

This episode is proudly sponsored by Old Mutual Wealth.

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In Season 3 episode 5 it is all about the youth!

Arthi & Malika have dedicated this episode to providing the youth with tips on how to take action and have a better understanding about managing finances and investments, that can pave the way for a very prosperous future.

Arthi splits the focus in 3 main categories, the first being changing your perspective, mindset and narrative about money. Key to this is visualizing your dream or life that you want and writing down your goals and achievements.

Malika considers the physical financial actions that one can take to change not only your financial situation but the situation of your family. A key action, for example, that the youth can take with parents, is to start having the conversation about budgeting and the importance of having a will or life cover. Another tough but vital conversation is the opportunity for future education & the expectations around the money needed for this.

Practical ideas are offered around considering sources of income, becoming financially savvy with that money and how to start building towards financial freedom.

SO, listen in to hear Malika and Arthi discuss:

• being in the right mindset & adapting your perspective
• creating a budget with parents
• the importance of speaking to a financial advisor regardless of your financial status
• having a form of income irrespective of your age
• knowing a need versus a want
• avoiding debt

and so much more

Remember: “financial well being is more than just having money in the bank”

And take heed of the incredible offer by Coach Arthi about understanding your child's agility. Visit https://www.prernaadvisory.com/assessments for more information and email arthi@prernaadvisory.com to claim your discount during the month of June 2024!

We would love to hear your views based on the concepts covered in this episode.
Do rate, write a review, and share with others.

This episode is proudly sponsored by Old Mutual Wealth.