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PODCAST

The Fat Wallet Show from Just One Lap

The Fat Wallet Show is a show about questions. It"s about admitting that we don"t know everything, but that we"re willing to learn. Most of all, it"s about understanding as much as we can to make us all better investors. Phrases like, "I"m not sure" or, "Let me look that up and get back to you" or, "I don"t know" don"t exist in the financial services industry. If you ever had a financial question you were too embarrassed to ask, you know what we"re talking about. In this business, appearances

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All Episodes

01:02:04

#107: To index or not

The Fat Wallet Show from Just One Lap ·

2018/07/01

Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Dhiraj asks us to defend our index-tracking strategy in this episode. It’s hard to do when the theory works but the practice hasn’t delivered the goods in four years. At this point I can only cling to the success others have had with this strategy and hope. Even index-tracking product providers are increasingly offering products that will give investors an opportunity to outperform the market. The index weighted by market

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24:29

#106: Debt in high-income households

The Fat Wallet Show from Just One Lap ·

2018/06/24

When we get into debt, we think it’s a temporary state of affairs. We’ll get rid of it once we earn more money. However, nothing is more delicious to a financial institution than an indebted individual getting a raise. As our income increases, so increases our access to credit. Think of someone you know who appears to be very wealthy. Now think about the debt required to maintain that appearance. An expensive home loan, car debt, credit cards and store cards all work together to make it seem like

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01:04:41

#105: How to prepare for a financial crisis

The Fat Wallet Show from Just One Lap ·

2018/06/17

Look, if it’s the end of the world we’re all in for a bad time. Your only hope is to be at the site of the asteroid hit at the moment of impact. Be patient zero - dying will be more fun than trying to survive the apocalypse. A financial crisis is not the apocalypse. It happens in financial markets once a decade. It sucks, but you’re not watching your family getting melted by lava. Two things have always been true of financial crises: We are dreadful at predicting them. We recover from them. This

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43:00

#104: BBBEE

The Fat Wallet Show from Just One Lap ·

2018/06/10

Access to a great share at a discount is something to take very seriously. Khuliso’s question about Phutuma Nathi got me thinking about BBBEE shares for the first time. I’ve never really thought about it, because I don’t qualify. However, the majority of you do qualify. How do you make a decision about whether a BBBEE share is a better investment than the ETF you would have bought anyway? I found this conversation especially fascinating. I’m keen to hear how you incorporated BBBEE shares into your

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44:06

#103: Should I save or pay my debt?

The Fat Wallet Show from Just One Lap ·

2018/06/03

Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Interest is a strange thing, because you could at any point be earning it and paying it. In fact, if you have a credit card you could be earning and paying interest in the same bank account. Tharina has taken steps to get her financial house in order, but she has a dilemma. She has a sum of money earning interest, and she owes a sum of money on which she is paying interest. Should she be using the one to pay off the other? The

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25:01

#102: How to be financially independent with Patrick...

The Fat Wallet Show from Just One Lap ·

2018/05/27

One of the highlights of the 100th Fat Wallet celebration was the opportunity to interview Patrick McKay about financial independence. Patrick, who runs The Investor Challenge Blog, achieved financial independence two years ago. At 39, he boasts the title of Regional Drone Coordinator and works because he enjoys it. In this interview, Patrick tells us how he did it. He talks about his investments, how he managed to afford having a child and what he plans to do now that he can do whatever he wants

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34:01

#101: The spending ratio

The Fat Wallet Show from Just One Lap ·

2018/05/20

Author Sam Beckbessinger’s excellent book Manage Your Money Like a F*cking Grownup is the unofficial written summary of The Fat Wallet Show. While we didn’t know about Sam nor she about us until after the book was published, we are thrilled at the synchronicity. She explains every principle you’ll ever need to understand to make excellent financial choices simply and understandably, sometimes even with pictures. In fact, if you never read another thing about your money, you’ll be set for life. We

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01:13:53

#100: What happens when I die?

The Fat Wallet Show from Just One Lap ·

2018/05/13

We’re 100 episodes old*, so we might as well talk about death. Edwin is turning out to be our most philosophical user - you’ll remember him from before. This week, we help him figure out what will happen to his investments when he dies. We know for sure every investor, trader, RA holder and homeowner will die. Why has it taken us 100 episodes to talk about the impact of death on wealth? Mostly because it’s scary and we don’t like to think about it. Estate planning is a huge part of financial

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01:07:11

#99: Factor-based investing

The Fat Wallet Show from Just One Lap ·

2018/05/06

Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Sign up here to receive an email every time a new show goes live. Factor-based investing is nothing new. The idea that certain shares will give higher returns over time is the premise behind the entire asset management industry. Absa’s newish range of factor-based ETFs are as interesting for their weighting as their methodology. In this episode, we talk about whether factor-based investing has a place is passive investing. I hate

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01:05:48

#98: Is this the right type of investment for me?

The Fat Wallet Show from Just One Lap ·

2018/04/29

Growing up, investments weren’t often a topic of conversation. Even so, I knew that people got rich from property. I don’t ever remember someone telling me this outright. I knew for sure we weren’t the people getting rich. Still, it’s just one of those “universal truths” I absorbed as a kid. Looking back, I realise it’s because I grew up during a property boom and a lot of people really did get rich from property. Share investments weren’t accessible or easy to understand. Financial products were

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01:02:44

#97: How to investigate a financial product

The Fat Wallet Show from Just One Lap ·

2018/04/22

Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Sign up here to receive an email every time a new show goes live. We spend so much time talking about bad financial products. Is there such a thing as a good financial product? If so, where would you find them? Listener Bronwyn got badly burned with financial products in the past. She’s been paying 15% fees on an Old Mutual education policy and took out a Discovery retirement annuity that hasn’t returned anything above her

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01:07:33

#96: Your money or your life

The Fat Wallet Show from Just One Lap ·

2018/04/15

Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Sign up here to receive an email every time a new show goes live. This is another themed-by-serendipity episode. Last week Edwin mailed with a dilemma: how do you choose between being a good citizen or family member and having money? Whatever you spend on your family, kids or pets or donate to charity is money not going towards your savings goals. Does that mean you should forego those things altogether? Money and morality are

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01:05:14

#95: The financial literacy test

The Fat Wallet Show from Just One Lap ·

2018/04/09

If you secretly hate us but haven’t been able to find a different source of financial information, I have some great news! I found a Freakonomics Radio episode that summed up exactly the principles we champion on this show. In this episode, Simon and I take the financial literacy survey. It’s only three questions, but understanding their answers will enable you to make great financial decisions. If this sounds vaguely familiar, you might be thinking of this podcast we did last year. Here are the

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01:01:44

#94: More money, more problems

The Fat Wallet Show from Just One Lap ·

2018/04/01

It’s becoming increasingly clear that access to money isn’t always the best thing. In last week’s episode, Pieter explained how access to a free house and investments didn’t make him great at money. Fat Wallet bestie and newly appointed spy, Wilhelm, sent us news from the front line this week. Wilhelm started sorting out his money and sharing his journey with us when he was still a student. It’s been such a pleasure witnessing his pre-income journey. If you can figure out your money situation before

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36:08

#93: Saving for your kids is not enough

The Fat Wallet Show from Just One Lap ·

2018/03/25

So many Fat Wallet listeners are diligently setting money aside for their kids. We often field questions about investments and suitable investment vehicles for children. Being able to send your child into adult life with enough money is a noble aspiration. We don’t often encounter people who benefited from this type of financial leg-up, making it difficult to guess at the impact it has. This week, listener Pieter let us in on his experience as the beneficiary of this sort of parenting. He also tells

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01:05:39

#92: Figuring out investment fees

The Fat Wallet Show from Just One Lap ·

2018/03/18

A few weeks ago I attended a 10X event in Johannesburg. Being a low-cost retirement annuity (RA) provider, obviously much of the discussion centred around fees. Steven Nathan, who runs 10X, did an analysis of a statement sent by an old-school retirement product provider. He used the real example to illustrate how impossible it can be to figure out what we’re actually paying for our investments. Listener Jenny Pigeon (a nom de plume, if you will) had the same experience this month. She’s been

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21:44

#91: ETFs in your 20s

The Fat Wallet Show from Just One Lap ·

2018/03/11

Last week I was lucky enough to join my ETF inspiration Nerina Visser on ETF Investor on Business Day TV. We attempt to answer the ETF questions of a beginner investor who invested in an Easy Equities basket. This week’s Fat Wallet is the audio of that programme. You can watch the videos below. Kris 123 Listen / download here. Subscribe to our RSS feed here. Subscribe or rate us in iTunes. Sign up here to receive an email every time a new show goes live.

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01:00:26

#90: Moving your tax-free account

The Fat Wallet Show from Just One Lap ·

2018/03/04

We can finally move our tax-free accounts - in theory. In this week’s episode, we consider the curious case of Rama, who is getting properly shafted in their tax-free account. We use their misfortune to help you work out whether you should be moving your tax-free account. We also issue some warnings about being on the front line. We have very unflattering things to say about Old Mutual. By sheer fluke, three listeners wrote us about three different ludicrously expensive Old Mutual products. Aside

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01:05:13

#89: Fear of starting

The Fat Wallet Show from Just One Lap ·

2018/02/25

Your first investment will scare you half to death. Don’t let anyone tell you different. We’ve all felt that terror (some of us more than once). We all came out the other end secure in the knowledge that we are now among the select few who Invest in the Market. Hannes, a Just One Lap user, has been following Simon since before Just One Lap existed. He’s paid for a share trading account every month for the better part of a decade, and yet never managed to pull the trigger on that first investment. In

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51:39

#88: The low income episode

The Fat Wallet Show from Just One Lap ·

2018/02/18

For many South Africans, saving simply isn’t an option. Either they don’t earn enough to be able to save, or they have too many familial obligations to do so. In this episode we offer some tips on things you can start doing on a very low income to put yourself in a better financial position in the future. We also talk about some common traps high income earners fall into. If you’re already too scared to listen, here’s what we talk about: Why insurance might be a better idea than an emergency fund

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