Money with Carla Money with Carla

Can You REALLY Afford It? How to Make Big Purchases Without Regrets

Loading player...
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.
Chapters
  • 00:00 Intro
  • 00:28 How do I know when I can actually afford something?
  • 01:38 The balance between overspending and over-investing
  • 02:55 How much to invest and how much to put towards an improved lifestyle
  • 03:40 Is the boat worth it?
  • 08:16 Buying a car outright vs. financing
  • 10:50 Should you finance big purchases for your business?
7 Sep 2025 English South Africa Investing

Other recent episodes

Buying or Renting in 2027? (The 7% Rule)

Join my masterclass: learn.moneywithcarla.com/invest Is it actually better to buy property or rent and invest the difference? I ran the numbers so you don't have to. Again. In this video I break down the buy vs rent debate properly, including the 7% rule, real property growth rates, and how stock…
13 Oct 12 min

RAs Are NOT For Everyone

Does a retirement annuity’s tax saving automatically make it the best investment? Carla compares RAs with investing directly in global equity ETFs, exploring tax, investment restrictions, fees and how your time to retirement changes the picture. Using Laura and Nora’s investment scenarios, she explains the trade-offs, flags expensive life insurance…
4 Oct 16 min

Estate & Trusts (Tax Expert Is Back)

This week I sit down with Marisca, a tax expert, to unpack trusts and estate planning in South Africa. We chat about when a trust makes sense, common mistakes, and how to plan ahead to protect the wealth you leave to your family.
27 Sep 44 min

Big Name Funds Underperform. What are you paying for?

Get my book here: https://www.moneywithcarla.com/book Free Investment Masterclass: https://learn.moneywithcarla.com/masterclass2026 Most South Africans are losing hundreds of thousands of rands in household-name investment funds, without even realising it. In this video I compare real fund performance from two of my students against equivalent ETFs, and show you exactly how to benchmark…
20 Sep 6 min

Anzel Rabie | Stellenbosch & Afrikaans Money-Culture

Find Anzel on socials: https://www.instagram.com/anzelrabie/?hl=en What does a CA who almost became Miss SA have to teach us about generational wealth? More than you'd expect. In this episode, I sit down with Anzel – chartered accountant turned TV personality and mom of two – to talk about the money lessons…
11 Sep 37 min
All episodes