Latest / The Swan Effect - Creating and Sustaining Your Financial Wellbeing / S4 E11 The Superhero Wealth Equation

Transcript

S4 E11 The Superhero Wealth Equation · The Swan Effect - Creating and Sustaining Your Financial Wellbeing

• 0:00
  Arthi Rabikrisson: Your legacy isn't just about numbers.
• 0:03
  Arthi Rabikrisson: It's about the confidence that comes with knowing your wealth is expertly managed.
• 0:09
  Arthi Rabikrisson: At Old Mutual Wealth, we offer solutions that go beyond investment management.
• 0:15
  Arthi Rabikrisson: We're your trusted partner in achieving financial success.
• 0:19
  Arthi Rabikrisson: Together with your financial planner, we uncover what matters most to you: crafting a personalized plan tailored to your unique goals.
• 0:29
  Arthi Rabikrisson: Backed by a team dedicated to your wealth journey, we provide innovative strategies, in-depth research, and award-winning investment expertise.
• 0:39
  Arthi Rabikrisson: Partner with us to take your wealth further with advice-led personalized wealth management, offering clients and financial planners a full suite of industry-leading investment solutions.
• 0:53
  Arthi Rabikrisson: Visit www.oldmutual.co.za /wealth to learn more.
• 1:05
  Arthi Rabikrisson: Hi there, I'm Arthi Rabikrisson.
• 1:08
  Malika Petersen: Hello, I'm Malika Petersen.
• 1:10
  Arthi Rabikrisson: Welcome to
• 1:12
  Malika Petersen: The Swan Effect Podcast.
• 1:14
  Arthi Rabikrisson: We're your go-to podcast to simplify the complexities of money management, investing, and wealth management.
• 1:22
  Malika Petersen: So that you can get a confidence in your relationship with money and become financially literally independent and free.
• 1:30
  Arthi Rabikrisson: That's the first step towards freedom is knowledge.
• 1:33
  Arthi Rabikrisson: And you can start regaining that right now by listening to this upcoming episode.
• 1:47
  Arthi Rabikrisson: December time is here! Welcome everyone.
• 1:51
  Arthi Rabikrisson: I honestly cannot believe that this year is almost done, and with it, our current season of the Swan Effect Podcast.
• 2:01
  Arthi Rabikrisson: My gosh, time has flown by so quickly, and what a season it's been.
• 2:07
  Arthi Rabikrisson: From unpacking the wealth mindset, diving into key characteristics.
• 2:12
  Arthi Rabikrisson: I think we've brought it all to you, listeners, from the action, the drama, the thrills, the tears.
• 2:18
  Arthi Rabikrisson: That would really make any MCU or DCU director proud, actually.
• 2:26
  Malika Petersen: We definitely would have had you.
• 2:27
  Malika Petersen: We would have made them so proud.
• 2:29
  Malika Petersen: Hi, listeners.
• 2:30
  Malika Petersen: It feels like we've run a financial marathon with season four.
• 2:37
  Malika Petersen: But somehow we still have that energy for a victory wrap, right?
• 2:42
  Malika Petersen: Just because today's episode.
• 2:44
  Malika Petersen: It isn't just a recrap.
• 2:46
  Malika Petersen: No, no, no, no, no, no.
• 2:47
  Malika Petersen: We are elevating people.
• 2:49
  Malika Petersen: Uh, we are closing this season with a big, bold, beautiful bow.
• 2:54
  Malika Petersen: The kindness says, You did the work.
• 2:56
  Malika Petersen: Now let's help you understand the transformation that you actually went through.
• 3:01
  Arthi Rabikrisson: Ah, yes.
• 3:02
  Arthi Rabikrisson: And today we also revealed something new.
• 3:06
  Arthi Rabikrisson: I mean, come on, you know.
• 3:07
  Arthi Rabikrisson: We love it when we when we do this.
• 3:09
  Arthi Rabikrisson: And actually, this is our festive gift to you.
• 3:13
  Arthi Rabikrisson: It's something that pulls all 10 episodes together into one idea.
• 3:18
  Arthi Rabikrisson: It's a model, a formula, a superhero equation that simplifies everything that the season has taught you.
• 3:27
  Malika Petersen: So if you've listened to every single episode or some of them, or even if this is your first time, today's episode is really about your cape fitting ceremony.
• 3:39
  Arthi Rabikrisson: Ooh, I like that.
• 3:40
  Arthi Rabikrisson: I really like that.
• 3:41
  Arthi Rabikrisson: All right, let's rewind the timeline.
• 3:44
  Arthi Rabikrisson: Okay, so we're gonna go back to episode one, which was the birth of our financial superhero theme, you know?
• 3:51
  Arthi Rabikrisson: And it all began with the wealth mindset.
• 3:55
  Arthi Rabikrisson: And in that episode, we were shifting from scarcity to abundance, understanding and exercising gratitude.
• 4:03
  Arthi Rabikrisson: And also we were engaging with emotional intelligence.
• 4:06
  Arthi Rabikrisson: We were demystifying delayed gratification as well.
• 4:10
  Arthi Rabikrisson: So we tinkered, we played around deeply with these concepts, you know, sort of like your inner Tony Stark tinkering about in the lab.
• 4:19
  Malika Petersen: Yeah, absolutely.
• 4:20
  Malika Petersen: And then came episode two, which was our march into action episode, right?
• 4:26
  Malika Petersen: We introduced the five wealth superpowers: resilience, innovation, resourcefulness, discipline, and generosity.
• 4:36
  Malika Petersen: And so too came out relevant superheroes such as Batman, T'Challa, Iron Man, Shuri, Storm, Jean Grey, Alfred, Pepper Potts.
• 4:47
  Malika Petersen: Yep, we lined them all up as part of the call to action.
• 4:53
  Arthi Rabikrisson: And you know, Malika, episode three I truly loved, I must tell you, where we went into the resilience characteristic episode, right?
• 5:00
  Arthi Rabikrisson: And this is where, listeners, we reminded you that resilience is a muscle, right?
• 5:06
  Arthi Rabikrisson: And it's built through setbacks, through delayed gratification, emotional control, and even patience as well.
• 5:13
  Malika Petersen: Yeah, absolutely.
• 5:14
  Malika Petersen: And then in episode four, which is about innovation, we were in Shuri's Wakandian lab, right?
• 5:20
  Malika Petersen: We were solving problems, we were building value, we were mapping the Kasi economy.
• 5:26
  Malika Petersen: Remember that was one of my favorite and then highlighting the impact entrepreneurs make in their communities and the ecosystem and just in general the world at large, right?
• 5:36
  Arthi Rabikrisson: Then the next episode, the discipline episode, that reminded us all about being focused, right?
• 5:42
  Arthi Rabikrisson: Like focused like Green Arrow and his arrows.
• 5:45
  Arthi Rabikrisson: We talked about how consistency matters, but then also you know long-term thinking.
• 5:52
  Arthi Rabikrisson: And we offered you courage, listeners, so that you could still show up even when no one was applauding you.
• 5:59
  Malika Petersen: Yeah, yeah, absolutely.
• 6:00
  Malika Petersen: And then we spoke about the resourcefulness trait in episode six, and that was where Arthi and I pioneered the R-E-S-O-U-R-C-E-TM framework.
• 6:12
  Malika Petersen: Yeah and readness.
• 6:14
  Malika Petersen: Yeah.
• 6:15
  Malika Petersen: Absolutely.
• 6:16
  Malika Petersen: And listeners, you absolutely loved that episode.
• 6:19
  Malika Petersen: You know, I don't know about you, Arthi, but I was getting so many messages about how people were being resourceful again.
• 6:26
  Malika Petersen: And and kind of we sparked so many what if ideas in others.
• 6:31
  Malika Petersen: So resourcefulness is a mindset, everyone.
• 6:34
  Arthi Rabikrisson: Yeah, no, I definitely also got such great feedback on that frame work.
• 6:38
  Arthi Rabikrisson: So it resonated with everybody.
• 6:41
  Arthi Rabikrisson: And then in episode seven, we talked about equity creating equity.
• 6:46
  Arthi Rabikrisson: I mean, we went full on Wonder Woman mode with our fabulous guest, Shivani Naidu, and we unpacked your why, your asset allocation, your risk appetite, your IPS as your mission brief.
• 6:59
  Arthi Rabikrisson: Remember that, everyone?
• 7:00
  Arthi Rabikrisson: It was jam-packed with ideas to really, really get you started and also to just keep that momentum going.
• 7:08
  Malika Petersen: Yeah.
• 7:09
  Malika Petersen: And then with the Legacy Through Generosity episode in episode eight, right?
• 7:15
  Malika Petersen: We really wanted to, with you, our listeners, explore giving as a multiplier, not as a subjection.
• 7:22
  Malika Petersen: And I think that we did that well, right?
• 7:25
  Malika Petersen: I think it was one of my favorite episodes.
• 7:27
  Malika Petersen: But then again, it's difficult to choose my favorite.
• 7:30
  Malika Petersen: They're like my kids.
• 7:31
  Malika Petersen: It's very hard to choose.
• 7:34
  Arthi Rabikrisson: No, it's true.
• 7:35
  Arthi Rabikrisson: It's true.
• 7:35
  Arthi Rabikrisson: We actually outdid ourselves Malika, if I do say so myself.
• 7:40
  Arthi Rabikrisson: Right.
• 7:42
  Arthi Rabikrisson: Okay, so two episodes ago, that being episode nine, we enabled you to think very, very deliberately about legacy again, right?
• 7:51
  Arthi Rabikrisson: And we were talking about worlds, we were talking about life files.
• 7:55
  Arthi Rabikrisson: We even spoke about the kryptonite, right?
• 7:57
  Arthi Rabikrisson: The pitfalls that actually derail us.
• 8:00
  Arthi Rabikrisson: And we used some really powerful metaphors to help explore these, you know, such as Batman's utility belt.
• 8:07
  Arthi Rabikrisson: We talked about Captain America's Shield.
• 8:09
  Arthi Rabikrisson: And obviously, we also went a little bit on the villainous type.
• 8:13
  Arthi Rabikrisson: We said, don't forget Dark seid level family drama as well.
• 8:16
  Arthi Rabikrisson: We really didn't want that to catch up with you.
• 8:18
  Arthi Rabikrisson: So we covered quite a bit in that one too.
• 8:21
  Malika Petersen: Yeah, and then there was last month's episode, right?
• 8:23
  Malika Petersen: Which is episode 10.
• 8:25
  Malika Petersen: It's all about the Clarity Arc.
• 8:27
  Malika Petersen: And we really wanted you to kind of clear the fog on the visors so that you could see clearly again, right?
• 8:35
  Malika Petersen: From doing reflections to reframing and refocusing.
• 8:39
  Malika Petersen: We encouraged you to take purpose-based decisions and offered you practical cape activation moments to help you along the way.
• 8:48
  Arthi Rabikrisson: Yeah, that was really such a beautiful arc.
• 8:50
  Arthi Rabikrisson: I think generally.
• 8:51
  Malika Petersen: Yeah, sure, absolutely.
• 8:52
  Arthi Rabikrisson: So we wanna hope you enjoyed that quick roundup from us because now we want to unveil what I hinted at earlier.
• 9:00
  Arthi Rabikrisson: You know, that new idea, that new framework, that big reveal of this episode.
• 9:05
  Arthi Rabikrisson: Because, you know, yes, we covered 10 topics this season.
• 9:10
  Arthi Rabikrisson: But what if we told you that behind the scenes, underneath every episode, Malika and I were being very sneaky, we were hiding an equation that we were actually teaching you.
• 9:24
  Arthi Rabikrisson: I wonder if any of our listeners actually cottoned onto this, Malika.
• 9:28
  Arthi Rabikrisson: What do you think?
• 9:28
  Arthi Rabikrisson: Maybe they didn't.
• 9:30
  Malika Petersen: Okay.
• 9:30
  Malika Petersen: Let's not keep the m in suspense any longer, right?
• 9:33
  Malika Petersen: I'm bursting for us to share this.
• 9:35
  Malika Petersen: We call it
• 9:37
  Arthi Rabikrisson: The Superhero
• 9:38
  Malika Petersen: Wealth Equation.
• 9:40
  Malika Petersen: Because Arthi and I absolutely love formulas.
• 9:44
  Malika Petersen: Yeah, is your wealth formula from us?
• 9:46
  Malika Petersen: Wealth is equal to identity multiplied by behavior, multiplied by time, multiplied by community.
• 9:56
  Arthi Rabikrisson: Ooh, yes.
• 9:57
  Arthi Rabikrisson: Wealth equals I times b times t times z.
• 10:01
  Arthi Rabikrisson: Oh my gosh, I love this.
• 10:02
  Arthi Rabikrisson: Okay, we're gonna break it down, everyone, okay?
• 10:04
  Arthi Rabikrisson: All right, so the identity one, the first one, right?
• 10:07
  Arthi Rabikrisson: So this is, remember, we're talking about mindset and purpose, beliefs, even, and the concept of self, okay?
• 10:14
  Arthi Rabikrisson: And this actually came from episodes one and two.
• 10:18
  Arthi Rabikrisson: And, you know, again, thinking about our identity, it's about saying to ourselves, you know, what kind of an individual do I believe myself to be?
• 10:26
  Arthi Rabikrisson: Especially when we're talking about money, okay?
• 10:28
  Arthi Rabikrisson: Am I fearful?
• 10:29
  Arthi Rabikrisson: Am I avoiding things?
• 10:31
  Arthi Rabikrisson: Am I quite uncertain?
• 10:33
  Arthi Rabikrisson: Or on the flip side, am I quite empowered, strategic, abundant, even capable?
• 10:38
  Arthi Rabikrisson: So think of identity as the base of this equation.
• 10:42
  Arthi Rabikrisson: A superhero doesn't wait for the keep to be delivered to them.
• 10:46
  Arthi Rabikrisson: No.
• 10:46
  Arthi Rabikrisson: They believe they're the superhero first, and then the keep follows.
• 10:50
  Arthi Rabikrisson: I think that's really, really important.
• 10:53
  Malika Petersen: Okay, then let's talk about number two, which is behavior, right?
• 10:56
  Malika Petersen: And by this we mean the resilience, the discipline, the innovation, the resourcefulness that we've all been talking about.
• 11:05
  Malika Petersen: So now you're getting it right.
• 11:06
  Malika Petersen: That's what episode three to six built on this season.
• 11:10
  Malika Petersen: Because identity without behavior is intention without action, right?
• 11:15
  Malika Petersen: So let's reiterate behavior, it's about your resilience, your innovation, your discipline, your resourcefulness, your generosity, and then I would almost argue, most importantly, your consistency.
• 11:31
  Malika Petersen: These are your observable superpowers.
• 11:35
  Malika Petersen: You can't say I'm a disciplined investor, but also I checked my portfolio at 17 times a day because the JSE dipped 0.2%.
• 11:45
  Malika Petersen: We see you, we love you, but you need to stop it, okay?
• 11:50
  Arthi Rabikrisson: Indeed, indeed, indeed.
• 11:52
  Arthi Rabikrisson: Okay, so number three was the time element in the equation.
• 11:58
  Arthi Rabikrisson: And if you think about it, episode seven and 10, I think, really brought this home.
• 12:03
  Arthi Rabikrisson: Okay.
• 12:03
  Arthi Rabikrisson: So time is the multiplier.
• 12:06
  Arthi Rabikrisson: Tony Stark, he didn't pull Iron Man overnight, you know.
• 12:10
  Arthi Rabikrisson: Same with Shuri.
• 12:12
  Arthi Rabikrisson: She didn't create tech in five minutes.
• 12:14
  Arthi Rabikrisson: Doesn't work that way.
• 12:16
  Arthi Rabikrisson: So wealth also absolutely does not grow in a day.
• 12:20
  Arthi Rabikrisson: So time added to what Malika said just now, which is like so important, consistency.
• 12:26
  Arthi Rabikrisson: Time plus consistency is gonna equal inevitability, meaning things are gonna happen.
• 12:32
  Arthi Rabikrisson: That wealth is gonna grow.
• 12:33
  Arthi Rabikrisson: And everyone, we're harping on this again because we really, really want you to benefit from compounding, right?
• 12:41
  Arthi Rabikrisson: It's really, really important.
• 12:43
  Arthi Rabikrisson: That alongside patience and long-term positioning, oh, that's really gonna set you up, honesty.
• 12:50
  Malika Petersen: So, number four, community is what I like to call the stabilizers in the wealth equation, right?
• 12:57
  Malika Petersen: This term in our equation speaks to support systems, generosity, legacies, advisors, relationships.
• 13:05
  Malika Petersen: In effect, it's everything that we covered in episode eight and nine.
• 13:09
  Malika Petersen: And the reality is that your wealth is not a solo mission.
• 13:14
  Malika Petersen: Community is about accountability partners, financial advisors, mentors, right?
• 13:21
  Malika Petersen: Your team, your children, your legacy, the generosity that you show, and your network.
• 13:27
  Malika Petersen: Let's be realistic, everyone.
• 13:29
  Malika Petersen: Even Batman had Alfred, Iron Man had Pepper Potts, Jean Grey had the entire X-Men squad to hold the Phoenix moments, right?
• 13:39
  Malika Petersen: And as you can tell, there are some key driver elements here and also positive externalities of beneficiaries from what you do as you build your wealth.
• 13:52
  Malika Petersen: So for me, without community, everything else will just collapse.
• 13:57
  Malika Petersen: Like Ebenezer Scrooge in A Christmas carol.
• 14:01
  Arthi Rabikrisson: No, absolutely.
• 14:02
  Arthi Rabikrisson: I mean, everything just kind of falls flat, I think, right?
• 14:04
  Arthi Rabikrisson: So, you know, here's the mic drop moment, I think, about this superhero wealth equation we've just outlined for you listeners.
• 14:12
  Arthi Rabikrisson: Okay, remember, we said that this equation is multiplicative, it's not additive.
• 14:18
  Arthi Rabikrisson: Okay, and that's a key thing to remember.
• 14:20
  Arthi Rabikrisson: Because what that means is if your identity is zero, wealth is going to collapse.
• 14:26
  Arthi Rabikrisson: If behavior is zero, wealth is also gonna collapse again.
• 14:30
  Arthi Rabikrisson: If time is zero, what do you think is gonna happen to wealth?
• 14:34
  Arthi Rabikrisson: Collapses, yes.
• 14:36
  Arthi Rabikrisson: And if community is zero, if you don't have all of these lovely partners that Malika has just outlined, what's gonna happen to wealth?
• 14:44
  Arthi Rabikrisson: Big slide down.
• 14:46
  Arthi Rabikrisson: Okay, so even if each variable is only, let's say, a two out of a five, if you just multiply it together, you're still gonna get power.
• 14:56
  Arthi Rabikrisson: So even if you're starting off that low base of a one, a two, a three, it does not matter because it's going to multiply and it's gonna help you grow.
• 15:06
  Malika Petersen: Okay?
• 15:06
  Malika Petersen: And that's the magic, right?
• 15:08
  Malika Petersen: Because people think they need to be perfect.
• 15:10
  Malika Petersen: You don't need to be perfect, right?
• 15:12
  Malika Petersen: You just need all four variables to be activated.
• 15:15
  Malika Petersen: I mean, I've seen women in my community who have invested 500 Rand a month and turned that into financial stability, not because they picked the perfect fund or they came up with this great investment market theme, that they did consistent for years.
• 15:31
  Malika Petersen: So behavior and time will always be type.
• 15:35
  Arthi Rabikrisson: Yeah, I agree, Malika.
• 15:36
  Arthi Rabikrisson: I also had a listener who gave us feedback to say that, you know, when she actually started to acknowledge herself as someone who's good with money.
• 15:44
  Arthi Rabikrisson: Remember, everyone, we spoke about that internal narrative, the stories we tell ourselves.
• 15:49
  Arthi Rabikrisson: So when she actually said to myself, you know what, I'm good with money, she stopped procrastinating.
• 15:54
  Arthi Rabikrisson: She started also a small investing initiative.
• 15:57
  Arthi Rabikrisson: I think it was about 200 Rand that she automated towards a particular investment account.
• 16:03
  Arthi Rabikrisson: And the feedback she gave was it changed everything for her.
• 16:07
  Arthi Rabikrisson: It changed everything.
• 16:08
  Arthi Rabikrisson: So, you know, everyone, that's actually talking to that identity times behavior piece of the equation, coming through so powerfully that it created change for her.
• 16:17
  Arthi Rabikrisson: Isn't that amazing?
• 16:19
  Arthi Rabikrisson: It's amazing.
• 16:19
  Malika Petersen: That is amazing.
• 16:20
  Malika Petersen: I mean, that's just beautiful, dear, to be honest with you.
• 16:24
  Malika Petersen: Um, it we always like to hear from our listeners, right?
• 16:27
  Malika Petersen: Because it gives us it gives us a sense of of accomplishment.
• 16:30
  Malika Petersen: I have a similar one to Arthi, right?
• 16:32
  Malika Petersen: From someone in my network who shared that she joined a woman's investment club after listening to episode seven.
• 16:39
  Malika Petersen: Now, having a group of sisters learning together changed her confidence.
• 16:45
  Malika Petersen: And she realized that wealth is actually a shared journey, right?
• 16:49
  Malika Petersen: So that's an example of time community piece of the equation interaction.
• 16:55
  Arthi Rabikrisson: I love, love, love, love hearing this, Malika.
• 16:58
  Arthi Rabikrisson: Oh, that's amazing.
• 16:59
  Arthi Rabikrisson: So amazing.
• 17:00
  Arthi Rabikrisson: So, you know, everyone, keep the feedback coming in.
• 17:02
  Arthi Rabikrisson: We love hearing how things are shifting for you.
• 17:05
  Arthi Rabikrisson: And as you can see, listeners, this is the Wealth equation taking effect, right?
• 17:10
  Arthi Rabikrisson: Okay, now take a breath, everyone.
• 17:12
  Arthi Rabikrisson: All right, because we are about to do something that no other episode has done.
• 17:16
  Arthi Rabikrisson: And this is what we call the Superpower Audit.
• 17:20
  Arthi Rabikrisson: Okay.
• 17:21
  Arthi Rabikrisson: So this is just a quick year-end scoring to help you see where you are.
• 17:26
  Arthi Rabikrisson: Okay, so grab a pen and paper, open your notes app, whatever you're most comfortable with.
• 17:31
  Arthi Rabikrisson: And what I want you to do is I'm gonna read out a few things, and we'd like for you to rate yourselves.
• 17:38
  Arthi Rabikrisson: Okay.
• 17:39
  Arthi Rabikrisson: And actually, what we're gonna do is we're gonna rate yourself on the equation parameters on a scale of one to five.
• 17:46
  Arthi Rabikrisson: Okay.
• 17:47
  Arthi Rabikrisson: So I'm very quickly gonna read out the scale.
• 17:49
  Arthi Rabikrisson: So one means it's dormant.
• 17:51
  Arthi Rabikrisson: It means, okay, things are not um quite activated just yet.
• 17:55
  Arthi Rabikrisson: Two is equal to emerging.
• 17:57
  Arthi Rabikrisson: We're making a small start.
• 17:59
  Arthi Rabikrisson: Three is equal to developing.
• 18:01
  Arthi Rabikrisson: Okay, I'm in my stride, I'm doing some work with this.
• 18:04
  Arthi Rabikrisson: Four is quite strong, feeling pretty confident.
• 18:08
  Arthi Rabikrisson: And five is gonna equal absolute supercharge.
• 18:11
  Arthi Rabikrisson: I'm on fire.
• 18:12
  Arthi Rabikrisson: Okay.
• 18:12
  Arthi Rabikrisson: So not to worry if you didn't catch that, because I'm going to share a template of this in the show notes for you.
• 18:18
  Arthi Rabikrisson: Do remember to download it there.
• 18:20
  Arthi Rabikrisson: But if you want to try it now, okay, here it is.
• 18:23
  Arthi Rabikrisson: So the first one on the identity piece of the equation, rate yourself on this question.
• 18:28
  Arthi Rabikrisson: Do you believe that you can build well?
• 18:31
  Arthi Rabikrisson: Sounds like a simple question, doesn't it?
• 18:33
  Arthi Rabikrisson: Right?
• 18:34
  Arthi Rabikrisson: Okay.
• 18:34
  Arthi Rabikrisson: For the second one, on the behavior piece of the equation, now I'm gonna read out each of the behaviors below.
• 18:40
  Arthi Rabikrisson: Rate yourself on that scale of one to five.
• 18:43
  Arthi Rabikrisson: First one is resilience.
• 18:45
  Arthi Rabikrisson: Okay.
• 18:45
  Arthi Rabikrisson: Second one, innovation.
• 18:47
  Arthi Rabikrisson: Third one, resourcefulness.
• 18:49
  Arthi Rabikrisson: Fourth one, discipline.
• 18:51
  Arthi Rabikrisson: Okay, and the fifth one, generosity.
• 18:54
  Arthi Rabikrisson: Okay.
• 18:54
  Arthi Rabikrisson: So on those five, you're rating yourself one to five.
• 18:57
  Arthi Rabikrisson: Okay.
• 18:58
  Arthi Rabikrisson: The next one in the equation, time.
• 19:00
  Arthi Rabikrisson: Here's the question.
• 19:01
  Arthi Rabikrisson: Do you stay consistent long enough to see results?
• 19:06
  Arthi Rabikrisson: This is an important one, huh?
• 19:09
  Malika Petersen: It's a big one.
• 19:10
  Arthi Rabikrisson: It's a big one.
• 19:11
  Arthi Rabikrisson: Yeah.
• 19:11
  Arthi Rabikrisson: And then lastly, on the community term in the equation, here's your question.
• 19:16
  Arthi Rabikrisson: Do you have support in the form of advisors, other forms of accountability, or even legacy tools to help you?
• 19:24
  Arthi Rabikrisson: Okay.
• 19:26
  Malika Petersen: All right.
• 19:26
  Malika Petersen: Now put a star next to your highest score.
• 19:30
  Malika Petersen: And that is your power zone, right?
• 19:33
  Malika Petersen: That's your superpower going into 2026.
• 19:36
  Malika Petersen: And then circle your lowest score.
• 19:41
  Malika Petersen: And this is your growth zone, the part of your cat that needs to be strengthened.
• 19:46
  Arthi Rabikrisson: Ah, yeah.
• 19:47
  Arthi Rabikrisson: And now, you know what you're gonna do is you're gonna choose one action to activate each of these, right?
• 19:53
  Arthi Rabikrisson: So, for example, on the identity one, your action could be maybe I'm gonna rewrite one belief about myself.
• 19:59
  Arthi Rabikrisson: On the behavior action, for example, you could pick one of the five, depending which one it was that you scored lowest on.
• 20:06
  Arthi Rabikrisson: And you could then say, you know what, I'm gonna start a small one-week, seven-day habit to help me build some uh momentum on that.
• 20:14
  Arthi Rabikrisson: On the time one, the action that you could choose is maybe you want to automate something, or maybe you want to set a long-term rule around what it is you want to be achieving.
• 20:25
  Arthi Rabikrisson: And an example of a community action that you could take is well, you know what?
• 20:30
  Arthi Rabikrisson: Maybe let me bolster my team.
• 20:31
  Arthi Rabikrisson: Let me add someone to my accountability team.
• 20:33
  Arthi Rabikrisson: Or maybe I could teach someone, pay it forward with what you're hearing on the podcast, you know, share it with someone.
• 20:40
  Arthi Rabikrisson: If you're not sure about something, hey, why don't you go and ask somebody for some guidance?
• 20:44
  Arthi Rabikrisson: And, you know, if you're struggling or if you've experienced something really, really cool that you've been doing, maybe go out and tell someone, share with them.
• 20:53
  Arthi Rabikrisson: Yeah?
• 20:54
  Malika Petersen: Yeah, there's some very practical examples, I think, right?
• 20:57
  Malika Petersen: And let me also remind listeners that we offered some cool cape activation ideas in episode 10.
• 21:03
  Malika Petersen: Yes, which were yes, the clarity arc, right?
• 21:07
  Malika Petersen: So I just want to refresh some of the names of them.
• 21:09
  Malika Petersen: We had the mirror moment, the budget reboot, the Values Compass, the Iron heart Build, the Legacy letter, the Okoye Discipline Drill, the America Chavez Portal, and the Storm Reset.
• 21:24
  Malika Petersen: Re-listen to what these are, and then choose the one that lights up your chest like Iron Man's Arc Reactor.
• 21:31
  Arthi Rabikrisson: Or like vibranium in Sushi's lab.
• 21:34
  Arthi Rabikrisson: Oh my gosh.
• 21:36
  Arthi Rabikrisson: Okay, so I mean we've we've I think we've done so much already in this, right?
• 21:40
  Arthi Rabikrisson: We've we've done the recap, we've set out the equation, which I hope everyone is jumping for joy about, and we've given you a little bit of a reflection moment with that superpower audit, right?
• 21:50
  Arthi Rabikrisson: Okay, before we close, everybody, season five is coming.
• 21:56
  Malika Petersen: And season five is you guys hold on to your capes.
• 22:02
  Arthi Rabikrisson: DDT.
• 22:03
  Arthi Rabikrisson: What's that, Malika?
• 22:06
  Malika Petersen: Debt, Death, and taxes.
• 22:10
  Arthi Rabikrisson: You know, when I think of the DDT, I think of the classic wrestling move.
• 22:14
  Arthi Rabikrisson: Hey, remember good old wrestling?
• 22:15
  Arthi Rabikrisson: You know, we all know it, everybody, okay?
• 22:19
  Arthi Rabikrisson: It's when you're in that headlock in the ring, right?
• 22:22
  Arthi Rabikrisson: And it's then that big crashdown that happens.
• 22:25
  Arthi Rabikrisson: And before you know it, it's lights out, and the ref is counting you out too, okay?
• 22:29
  Arthi Rabikrisson: Guess what?
• 22:30
  Arthi Rabikrisson: It's the same in our financial lives, also.
• 22:32
  Arthi Rabikrisson: The DDT, the death ,debt and taxes literally and figuratively can wipe us out.
• 22:39
  Arthi Rabikrisson: Yeah.
• 22:39
  Arthi Rabikrisson: And also our legacy for our future generation.
• 22:43
  Arthi Rabikrisson: So, yeah, next season, we're gonna go straight into that real stuff, okay?
• 22:49
  Malika Petersen: This the tough stuff,
• 22:50
  Arthi Rabikrisson: the avoided stuff,
• 22:52
  Malika Petersen: the wealth-shaping stuff, though.
• 22:55
  Arthi Rabikrisson: This is going to be our most practical, most vulnerable, and probably our most liberating season yet.
• 23:02
  Arthi Rabikrisson: And with that, Malika, I think it's time for our parting shot.
• 23:06
  Arthi Rabikrisson: What's yours?
• 23:08
  Malika Petersen: So I think arthi my parting shot is, when you understand the equation, you understand your power and you can own it.
• 23:16
  Malika Petersen: Right.
• 23:17
  Malika Petersen: So don't forget, identity multiplied by behavior, multiplied by time, multiplied by community.
• 23:26
  Malika Petersen: Activate even one variable and your life shooks.
• 23:29
  Malika Petersen: Activate all four and your life transforms.
• 23:33
  Malika Petersen: How about you, Arthi?
• 23:34
  Malika Petersen: What is your parting shot?
• 23:36
  Arthi Rabikrisson: Oh my goodness.
• 23:37
  Arthi Rabikrisson: Okay, so I think mine is everyone, you didn't just listen to a season, you actually keep with us, right?
• 23:44
  Arthi Rabikrisson: You're able to keep thread by thread, episode by episode.
• 23:48
  Arthi Rabikrisson: And now it's time to fly, everyone.
• 23:50
  Arthi Rabikrisson: Because clarity isn't the end, it's just the beginning.
• 23:55
  Malika Petersen: Yeah, absolutely.
• 23:57
  Malika Petersen: Have a wonderful festive season, everybody, and a cracking start to 2026.
• 24:02
  Arthi Rabikrisson: Stay heroic, everyone, and we will catch you on the other side.
• 24:06
  Arthi Rabikrisson: Ciao for now.
• 24:08
  Malika Petersen: Ciao.
• 24:13
  Malika Petersen: Thanks for joining us.
• 24:15
  Malika Petersen: We hope you found these ideas and guidance useful.
• 24:19
  Arthi Rabikrisson: We're both seasoned in the investments industry.
• 24:22
  Arthi Rabikrisson: Malika is at the coal face of how, where, and why people invest the way they do.
• 24:30
  Malika Petersen: And you Arthi, you've witness ed different types of investor behaviors around money too.
• 24:36
  Malika Petersen: And now work as a global award-winning coach to free us from the mindset that stops us from becoming financially free!
• 24:45
  Arthi Rabikrisson: Do subscribe, share, and write a review or send us comments.
• 24:49
  Arthi Rabikrisson: We would love to hear from you.
• 24:51
  Malika Petersen: Catch you on the next episode
• 24:53
  Arthi Rabikrisson: of the Swan Effect Podcast
• 24:56
  Malika Petersen: Bye for now.
• 24:57
  Arthi Rabikrisson: Ciao.