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S4 E8 Legacy Through Generosity · 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.
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• 0:51
  Arthi Rabikrisson: Visit www.
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  Arthi Rabikrisson: old mutual.
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  Arthi Rabikrisson: co.
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  Arthi Rabikrisson: za forward slash wealth to learn more.
• 1:03
  Arthi Rabikrisson: Hi there, I'm Arthi Rabikrisson.
• 1:06
  Malika Petersen: Malika Petersen.
• 1:07
  Malika Petersen: Welcome to the Swan Effect Podcast
• 1:11
  Malika Petersen: We're your go-to podcast to simplify the complexities of money management investing and wealth management, so that you can gain confidence in your relationship with money and become financially literate, independent and free.
• 1:27
  Arthi Rabikrisson: That first step towards freedom is knowledge, and you can start with gaining that right now by listening to this upcoming episode.
• 1:35
  Arthi Rabikrisson: Welcome back to the Swan Effect podcast everyone.
• 1:44
  Arthi Rabikrisson: I'm Arati and you know what spring is officially here in South Africa, which means warmer weather.
• 1:50
  Arthi Rabikrisson: It's so lovely, and so lovely to see everything sprouting our plants, our flowers, which actually just reminds us everyone that organic growth happens across the season and actually how no tree, no plant can survive in isolation.
• 2:06
  Arthi Rabikrisson: So today we're diving deep into something that is at the heart of wealth, legacy and community, and that is how generosity can build generational wealth.
• 2:19
  Arthi Rabikrisson: Now, we're not talking about the kind of generosity as in you just give and give and give until you have nothing left.
• 2:25
  Arthi Rabikrisson: No, we're talking about generosity with purpose, with structure and vision, and actually being able to what I'm terming our episode today to be creating legacy through generosity.
• 2:40
  Arthi Rabikrisson: Hi Malika, how are you doing on this beautiful spring day?
• 2:45
  Malika Petersen: Hi Arthi, hi listeners, I am so thrilled that spring is here, y ou'll never believe it.
• 2:51
  Malika Petersen: I've had quite enough of those cold days.
• 2:53
  Malika Petersen: To be honest with you, I agree, I mean, South Africa has quite a tragic history that has led to an economic gap, with only a select few who have been able to The exciting part of that, you know, we always try to find the positives or the opportunities in every situation, is that this has led to a unique and exciting approach to how people are creating wealth.
• 2:55
  Malika Petersen: real generational wealth.
• 2:55
  Malika Petersen: yes, absolutely.
• 2:57
  Malika Petersen: I'm also very excited about our episode today.
• 2:59
  Malika Petersen: Right, because this really is at the heart of why we do this podcast.
• 3:04
  Malika Petersen: It's the thing that drives us.
• 3:06
  Malika Petersen: And because you and I are both proudly South African, in this episode, we explore this through our own cultural lenses.
• 3:40
  Malika Petersen: It's all about Ubuntu, stock files, investment clubs, and the unique financial challenges in our community.
• 3:48
  Arthi Rabikrisson: Oh yes, love it, love it, love it.
• 3:50
  Arthi Rabikrisson: Okay, Malika, let's start with Ubuntu.
• 3:53
  Arthi Rabikrisson: You know, the famous saying is "I am because we are.
• 3:57
  Arthi Rabikrisson: But I think you know, ubuntu isn't just a philosophy, it's economics too.
• 4:02
  Malika Petersen: It's like the superhero code, no hero saves the world alone, exactly, yeah, and I think you know growing up on the Cape Flats, I remember neighbors showing up with food when someone was sick, or aunties just pooling their money together to make sure that a child has school uniform, if they need it, or books or whatever they may need for school.
• 4:24
  Malika Petersen: And that's really the essence of Ubuntu in action, right, it's that kind of generosity that sustains an entire community.
• 4:33
  Malika Petersen: Now, if we think of the Avengers, Captain America's leadership, Black Panther's resources, you know, Iron Man's technology, they only win when they combine these powers, and that's really what it is, right.
• 4:47
  Malika Petersen: It's this idea that my strength is tied to yours and together we really do build something greater.
• 4:58
  Arthi Rabikrisson: Yes, right, like you said, Ubuntu, is like the Avengers assembling, each person contributing even more towards their power.
• 5:06
  Arthi Rabikrisson: So, like you said in your examples, one person might bring resources, another might bring skills, and another brings time, and then together you form this league that's just stronger than any individual.
• 5:18
  Arthi Rabikrisson: Ok, still talking superhero, right.
• 5:20
  Arthi Rabikrisson: Contrast that with the villains.
• 5:22
  Arthi Rabikrisson: Ok.
• 5:23
  Arthi Rabikrisson: So, like a Loki, for example, he always chased glory for himself, he used to hoard power, always wanted it for himself.
• 5:31
  Arthi Rabikrisson: Did it really make him stronger?
• 5:34
  Arthi Rabikrisson: no, not really in small spikes, yes, but yeah, it actually just kept isolating him and that's where, you know, if you think back to the movies and things like that, you'd actually see him just kind of craving simple things like a father's love or a mother and brother's love as well, but he kept being so isolated.
• 5:51
  Arthi Rabikrisson: So, you know, I think heroes grow through generosity and actually villains well, they'll just shrink through selfishness.
• 5:58
  Arthi Rabikrisson: So you know, everyone, just kind of thinking about that, I'm going to offer you a reflective prompt, okay.
• 6:04
  Arthi Rabikrisson: So maybe listeners just ask yourself where in my financial life am I acting like a hero?
• 6:11
  Arthi Rabikrisson: You know, sharing in a way that multiplies?
• 6:14
  Arthi Rabikrisson: Am I doing that?
• 6:14
  Arthi Rabikrisson: And then, where am I actually isolating myself, thinking that you know what, I can go it alone.
• 6:20
  Malika Petersen: Yeah, I think that's a really great reflective question.
• 6:23
  Malika Petersen: Right, I made a note of that too.
• 6:24
  Malika Petersen: I think that prompt is also reminding me that Ubuntu doesn't mean that you deplete yourself, and I think that's a very important point that we want to bring across to our listeners.
• 6:36
  Malika Petersen: Right, a superhero with no energy, no armor or no powers can't help anybody else.
• 6:43
  Malika Petersen: Right and true, ubuntu is really about balance.
• 6:47
  Malika Petersen: It's kind of generosity that empowers without exhausting you.
• 6:52
  Arthi Rabikrisson: That is such a beautiful reminder, Malika, and what was coming to my mind is that you know, one way we can actually empower ourselves is actually taking that initiative and that action.
• 7:02
  Arthi Rabikrisson: And if you think about it now, okay, let's come back to the financial pieces.
• 7:06
  Arthi Rabikrisson: One of the A Stokvel is basically a savings club where everyone contributes and then the payout of that rotates, whether it's monthly, every quarter, or whatever is decided by the group.
• 7:07
  Arthi Rabikrisson: I think we've actually spoken quite at length about this back in season two.
• 7:34
  Arthi Rabikrisson: Actually, Malika, if you remember.
• 7:36
  Malika Petersen: Yes, no, absolutely.
• 7:37
  Malika Petersen: We are proudly South Africans and traditionally, originally, they covered groceries and funerals, right?
• 7:41
  Malika Petersen: those things about South Africa that, for me, we are just like the Springboks.
• 7:45
  Malika Petersen: But today stokvel s has evolved into this you know this group of people that are buying properties together, investing in the stock market together, some of them even starting businesses.
• 8:04
  Malika Petersen: I mean, I heard of one amazing group of women in Soweto who pooled their stokvel money.
• 8:11
  Malika Petersen: They bought a block of flats and now they all kind of earn rental income together, so they created that additional stream of revenue.
• 8:19
  Malika Petersen: And that's really about Ubuntu becoming a legacy.
• 8:24
  Arthi Rabikrisson: Oh, I love that.
• 8:25
  Arthi Rabikrisson: I love that story.
• 8:26
  Arthi Rabikrisson: That is wealth being created through collective generosity.
• 8:31
  Arthi Rabikrisson: Actually, you know, everyone gives in and then, look, everyone is gaining.
• 8:34
  Arthi Rabikrisson: In that example Again, everyone.
• 8:36
  Arthi Rabikrisson: We are assembling the superhero squad, where every member has a role and then together you're building something bigger than yourself.
• 8:44
  Malika Petersen: I love that yeah, this reminds me very much of the justice league right.
• 8:49
  Malika Petersen: Each hero kind of brings their unique resource right, but together they protect entire cities.
• 8:56
  Malika Petersen: So a stock file is kind of the justice league of finance.
• 9:00
  Malika Petersen: Each member's contribution strengthens the entire group, which is absolutely awesome.
• 9:06
  Arthi Rabikrisson: I love that.
• 9:07
  Arthi Rabikrisson: The Justice League of Finance I'm not going to forget that one and I think that's where generosity actually means discipline, because you're giving in consistently but actually with that compounding effect in a way, it's coming back to you in this multiplied form.
• 9:23
  Malika Petersen: Yeah, and it really doesn't have to stop with Stokvels right, I mean, you can start an investment club with your friends or your colleagues.
• 9:33
  Malika Petersen: I mean, imagine a scenario where five families decide to put 500 rand a month each into a joint education fund for all of their kids.
• 9:42
  Malika Petersen: Right by the time those kids are in matric, that fund could cover university fees and that kind of generosity, you know, turns into intergenerational wealth.
• 9:53
  Malika Petersen: It creates the kind of wealth that can last for generations.
• 9:56
  Malika Petersen: So, everyone, here's another reflective question for you Just think of yourself.
• 10:01
  Malika Petersen: What would it look like if I created a savings league with my family or friend?
• 10:06
  Malika Petersen: Right?
• 10:07
  Malika Petersen: Could we start small 200 Rand a month each and turn generosity into a fund that grows over time?
• 10:15
  Arthi Rabikrisson: You know I'm going to answer for the listeners.
• 10:17
  Arthi Rabikrisson: I mean, I think that's very doable and, yes, I guess I'm also.
• 10:20
  Arthi Rabikrisson: What's coming to my mind is it can be a lesser amount or a bigger amount, but I think the idea that you're pointing out Malika is there should be like this consistent minimum number.
• 10:29
  Arthi Rabikrisson: So, whatever that minimum is that you're putting in, just be consistent with it and save it away.
• 10:34
  Arthi Rabikrisson: Okay, but now, as we're talking about it, malika, I've also come.
• 10:46
  Arthi Rabikrisson: Okay, I'm going to put a few thorns into this rosy scenario.
• 10:48
  Arthi Rabikrisson: Okay, because generosity can also have a shadow side, when it isn't purposeful, and it's kind of making me think of like a kryptonite weakening us, like how it used to do for Superman, you know, instead of empowering us.
• 10:56
  Malika Petersen: Yeah, I think exactly, and I think this is a very big point for us, right Arthi?
• 11:01
  Malika Petersen: Because we again, because of South Africa's history, we are in a situation where sometimes we feel a need to take care of multiple generations or multiple groups of our families right.
• 11:13
  Malika Petersen: Yes, but think about constantly bailing out a cousin or an aunt or a friend who refuses to budget right, or saying yes to every request for money just purely out of guilt.
• 11:27
  Malika Petersen: That's not Ubuntu.
• 11:29
  Malika Petersen: That's not a sense of growing, that's a sense of depletion, it's a sense of breaking down, and a superhero who keeps giving away their armor will be left defenseless.
• 11:40
  Malika Petersen: It's like Spider-Man bailing everyone out without teaching them to stand on their own right.
• 11:47
  Malika Petersen: He'd eventually burn out.
• 11:48
  Malika Petersen: And in real life, we know this as black tax in South Africa and, unfortunately, when we do not put boundaries in place and we're constantly bailing our relatives out who don't change their habits, that could lead us to greed.
• 12:04
  Arthi Rabikrisson: The question, then, that's coming into my mind, and probably even to our listeners listening in, is when we give, is your giving actually creating independence or is it actually doing the opposite, creating a dependency?
• 12:17
  Arthi Rabikrisson: Okay, and I think what we're saying everybody is that real generosity builds capacity.
• 12:23
  Arthi Rabikrisson: So, for example, instead of paying their cousin's bills, their aunt's bills, every month, what if you actually help them create a budget?
• 12:31
  Arthi Rabikrisson: Or instead, you know, invite them into a stokve l instead, so that they are still consistently paying in, but, yes, it'll help them to cover their debts when it's their turn to get their kitty, and to me, that's their ability to be able to give in multiples, I feel.
• 12:59
  Malika Petersen: Yeah, and I think it's important to know that if we're not teaching good money management and good financial behavior, then we're just, you know, running around trying to plug holes in everybody's ship, while our own ship would eventually sink, right?
• 13:03
  Malika Petersen: , right?
• 13:04
  Malika Petersen: Oh, yes, yes, and I mean, you know, do you know?
• 13:07
  Malika Petersen: Villains show us the dangers of purposeless giving too.
• 13:11
  Malika Petersen: Let's take Lex Luthor as an example.
• 13:13
  Malika Petersen: He gives in the form of influence and bribes, but it's always self-serving and that leaves the structure behind right.
• 13:21
  Arthi Rabikrisson: Heroes give to empower, whereas villains give us, you know, give to control oh yeah, I mean malika, that's a great gem, another gem to kind of reflect on everybody.
• 13:31
  Arthi Rabikrisson: So think about am I empowering myself and others as well in their own wealth building journey, or actually am I feeding some control need element?
• 13:43
  Arthi Rabikrisson: I actually think that's quite a hard question.
• 13:45
  Arthi Rabikrisson: It's a bit of a harsh question to ask yourself, but you know, sometimes everyone we do need to put up a bit, of a bit of a mirror to then be able to recognize and say, oh, that's actually an unhealthy pattern.
• 13:57
  Arthi Rabikrisson: Yeah.
• 13:57
  Malika Petersen: And the reality is that unhealthy patterns can lead to terms we have coined, such as sandwich generation, right in South Africa.
• 14:06
  Malika Petersen: Oh yeah, quite a big deal.
• 14:08
  Malika Petersen: Many of us are caring for our children, supporting our parents and sometimes even cousins, siblings and extended family all at once.
• 14:17
  Arthi Rabikrisson: Yeah, as you said, we call it the black tax here in South Africa.
• 14:21
  Arthi Rabikrisson: I mean, I know this is probably a phenomenon the sandwich generation is a phenomenon that's happening globally as well.
• 14:27
  Arthi Rabikrisson: But just coming back to this black tax, you know it's where.
• 14:30
  Arthi Rabikrisson: You know, as you alluded to, it's that kind of first generation earners that really feel that responsibility for lifting the entire family up.
• 14:38
  Arthi Rabikrisson: And you know I can't tell you how often I hear this, malika, you know, I mean, apart from just my own and your own family stories.
• 14:46
  Arthi Rabikrisson: But, like with so many people that I cross paths with from a coaching or a training perspective, they are always sharing the sense of responsibility that they have.
• 14:56
  Arthi Rabikrisson: And of course you know they want to do it out of love.
• 14:59
  Arthi Rabikrisson: Of course that's what it is Generosity is rooted in love.
• 15:02
  Arthi Rabikrisson: But then, on the other hand, as we've been saying, this can also completely drain your ability to build wealth, particularly if you don't have any boundaries.
• 15:11
  Arthi Rabikrisson: So it really does feel like Batman having to carry the weight of Gotham's problems on his shoulders.
• 15:17
  Arthi Rabikrisson: That's kind of what it feels like, I think.
• 15:19
  Malika Petersen: Absolutely.
• 15:20
  Malika Petersen: Or like Wonder Woman, trying to save everyone single-handedly I mean eventually, even she dies, right?
• 15:27
  Malika Petersen: Oh, absolutely.
• 15:29
  Arthi Rabikrisson: So I think that's where we have to flip the narrative, okay.
• 15:32
  Arthi Rabikrisson: So, instead of thinking of Black tax as this burden, let's rather think of it everyone as it's "generational empowerment.
• 15:40
  Arthi Rabikrisson: What do you think of that?
• 15:42
  Arthi Rabikrisson: And also, I mean, I don't know about you.
• 15:44
  Arthi Rabikrisson: I knew you would agree with me on this Malika, to be honest, but I absolutely hate that we're still using colors as a way to describe things like this Malika.
• 15:53
  Arthi Rabikrisson: I mean black tax.
• 15:53
  Arthi Rabikrisson: I mean, honestly, when it comes to race, it's 2025, everybody.
• 15:57
  Arthi Rabikrisson: We Honestly, when it comes to race, it's 2025, everybody.
• 15:58
  Arthi Rabikrisson: We've moved beyond that.
• 15:59
  Arthi Rabikrisson: So it's generational empowerment that we're talking about today, not that.
• 16:04
  Malika Petersen: No, indeed,Ar Ati thi I mean, I agree a thousand percent to that, and I love the idea of generational empowerment.
• 16:11
  Malika Petersen: Imagine using your contributions to fund a family business that gives jobs to siblings or cousins or aunts, you know, or covering a sibling's tuition so that they no longer have to depend on you in the future.
• 16:27
  Malika Petersen: I know of a young woman who paid for her brother's coding course instead of sending him monthly allowances, and basically within a year he had secured a stable job and no longer needed the handouts.
• 16:38
  Malika Petersen: Now that's real, true property empowerment is when you equip instead of just rescuing.
• 16:45
  Arthi Rabikrisson: Yeah, I think our superheroes really do model this very well, Like T'Challa and Black Panther, you know, instead of just protecting Wakanda, he would use the wealth to empower others through so many outreach centers.
• 16:57
  Arthi Rabikrisson: I mean, again, legacy generosity.
• 16:59
  Arthi Rabikrisson: So I think, listeners again, you know, consider your own context and ask yourself this question.
• 17:05
  Arthi Rabikrisson: You know, am I helping my family survive month to month or am I actually creating pathways for them to thrive without me?
• 17:13
  Malika Petersen: Yeah, I would really hope it moves towards the latter, if it isn't already there.
• 17:18
  Malika Petersen: But I know that these are not easy economic times and many people are in survival mode, right, and hopefully you know what we've reflected on.
• 17:27
  Malika Petersen: You know some of the reflective prompts in today's episode help channel your thinking just a little bit differently, because I think even the smallest habit change today can snowball into something much bigger and better and brighter for your families and the generations to come.
• 17:43
  Arthi Rabikrisson: Oh yeah, I mean, that definitely sounds like a call to action.
• 17:46
  Arthi Rabikrisson: Malika, which you know I love, I love taking action, that's very much me.
• 17:50
  Arthi Rabikrisson: So we've spoken at length about generosity, but now how do we make generosity a true superpower?
• 17:58
  Malika Petersen: Okay.
• 17:58
  Malika Petersen: So there's a few kind of steps.
• 18:00
  Malika Petersen: Everyone and I will outline these for you now.
• 18:03
  Malika Petersen: So step number one structure it, whether that's through a stokvel, a family, trust, education, saving spots.
• 18:11
  Malika Petersen: Structure your generation and that will keep it.
• 18:14
  Malika Petersen: So your generosity, and that'll keep it sustainable.
• 18:18
  Arthi Rabikrisson: That's a great step one, Okay, so after step one, everyone, step two would be let's make it educational.
• 18:30
  Arthi Rabikrisson: So, just like Batman is training Robin, we need to pass on these skills and this knowledge.
• 18:32
  Arthi Rabikrisson: So every rand you give should actually teach something too.
• 18:35
  Arthi Rabikrisson: And I mean, I'm doing this with my kids.
• 18:37
  Arthi Rabikrisson: I know you're doing this with your kids as well Malika, nieces, nephews, all of that.
• 18:42
  Arthi Rabikrisson: If you are paying, for example, for a niece's school books, also, then teach her.
• 18:47
  Arthi Rabikrisson: You know how does saving actually work?
• 18:49
  Arthi Rabikrisson: And not only is she seeing this happening in action, but now she's gaining the knowledge to kind of say, ooh, cool, I want to do this too.
• 18:56
  Arthi Rabikrisson: And in that way she starts to practice, and with practice it becomes the habit, and that's the snowball you were talking about, Malika, and eventually she becomes her own superhero who pays it forward to the next generation.
• 19:11
  Malika Petersen: Absolutely.
• 19:12
  Malika Petersen: I love it when my niece calls me and tells me she's gotten money and she uses the three little pots.
• 19:16
  Malika Petersen: Oh, that's brilliant.
• 19:17
  Malika Petersen: Yeah, I love that.
• 19:18
  Malika Petersen: Okay, now step number three right.
• 19:21
  Malika Petersen: Step number three is make it sustainable.
• 19:23
  Malika Petersen: You have to protect your own financial foundation.
• 19:26
  Malika Petersen: You can't pour from an empty cup, guys.
• 19:29
  Malika Petersen: You know again I think you used the term earlier it's 2025.
• 19:33
  Malika Petersen: We need to really understand this point.
• 19:35
  Malika Petersen: You cannotour p from an empty cup.
• 19:37
  Malika Petersen: Even Iron man needs to recharge his arc reactor.
• 19:41
  Malika Petersen: Protect your finances first.
• 19:44
  Malika Petersen: Very important.
• 19:46
  Arthi Rabikrisson: Yeah, I mean absolutely.
• 19:48
  Arthi Rabikrisson: I mean we talk about like financial moats and emergency funds and all of these key things.
• 19:54
  Arthi Rabikrisson: But you know, we have to put these things in place.
• 19:56
  Arthi Rabikrisson: I love that, making it sustainable.
• 19:57
  Arthi Rabikrisson: That's the third step.
• 19:58
  Arthi Rabikrisson: Okay, so the fourth step everybody and this is playing around a little bit with that goal setting that you spoke about, malika, but it's about make it visionary.
• 20:07
  Arthi Rabikrisson: So, everyone, look forward, you know, fast forward to 20 years.
• 20:11
  Arthi Rabikrisson: Let's say and say and ask yourself what is my generosity going to look like in 20 years time?
• 20:16
  Arthi Rabikrisson: Could it be a scholarship fund?
• 20:18
  Arthi Rabikrisson: Could it be a beautiful family business where there's so many of your family members, plus friends, plus others, that are creating employment, not only for family but for others as well?
• 20:29
  Arthi Rabikrisson: Is it maybe a trust for future generations to benefit from?
• 20:33
  Arthi Rabikrisson: There's so many, so many options where your vision could go and everybody, when you think about that, that's when you start to take those steps and build these habits and take up steps one, two and three, as we've been outlining it in today's episode, because, everybody, this is how legacies are born.
• 20:50
  Arthi Rabikrisson: You have to take that first step.
• 20:52
  Malika Petersen: Yeah, and I think heroes do this all the time.
• 20:55
  Malika Petersen: Right, I mean, Tony Stark didn't just stop villains, he funded science initiatives that outlived him.
• 21:01
  Malika Petersen: Contrast that with the Joker, who hoarded chaos and left nothing but destruction.
• 21:06
  Malika Petersen: One created a legacy and something that's going to grow way into the future.
• 21:13
  Malika Petersen: The other just left emptiness.
• 21:15
  Arthi Rabikrisson: Oh man, everyone just imagine this.
• 21:17
  Arthi Rabikrisson: Imagine if your legacy of giving today actually became the seed of generational wealth tomorrow.
• 21:24
  Arthi Rabikrisson: And I'm sure you're picturing your family when you're thinking about this question, huh.
• 21:29
  Malika Petersen: Yeah, I'm imagining it.
• 21:31
  Malika Petersen: I mean, boy, you look absolutely fabulous and heartwarming and emotional too, right, and I think it's a lot because I think it's close to home.
• 21:40
  Malika Petersen: For both me and you, this has been quite a conversation, knowing our own very humble backgrounds and where we are today.
• 21:48
  Malika Petersen: I mean, I always think of it if my ancestors could see me.
• 21:52
  Malika Petersen: Now I'm exceeding them all the streams, and I know that you feel the same right, and this is really thanks to the generosity of others and us, you know, paying it forward today in so many ways, including this podcast.
• 22:05
  Malika Petersen: It's part of the reason we do what we do With that,Arthi Ati it's time for parting shots.
• 22:10
  Malika Petersen: Can you believe that?
• 22:10
  Malika Petersen: What's your parting shot, ,Ar A thi
• 22:16
  Arthi Rabikrisson: Okay.
• 22:16
  Arthi Rabikrisson: So I think generosity can either drain us, like kryptonite, where we're giving and giving and depleting, as you said earlier, or it can empower us like vibranium I mean just strong and strength and able to withstand anything.
• 22:31
  Arthi Rabikrisson: And I think the difference between whether it can drain or empower us is purpose.
• 22:36
  Arthi Rabikrisson: And I think if you have purpose as a compass everyone and again, what is that purpose?
• 22:41
  Arthi Rabikrisson: I'll link it back to step four, that vision.
• 22:43
  Arthi Rabikrisson: Okay, If you know what it is you want to be channeling towards in like 20 years time, then you know what every decision that you make from today going forward will take you a step by step in that right direction.
• 22:56
  Arthi Rabikrisson: And how about you, Malika?
• 22:58
  Arthi Rabikrisson: What's your parting shot for today?
• 22:59
  Arthi Rabikrisson: Yeah, look.
• 23:00
  Malika Petersen: I think Ubuntu teaches us that wealth is communal right, and financial examples of that are stokvel s and that shows us really the power of assembling and what it means to assemble right.
• 23:13
  Malika Petersen: And I feel that boundaries remind us even superheroes need protection.
• 23:18
  Malika Petersen: So when we move from helping people just survive to the point of helping them to thrive, generosity kind of becomes the cape that lets them soar.
• 23:31
  Arthi Rabikrisson: And in the words of Captain Buzz Lightyear to infinity and beyond.
• 23:37
  Malika Petersen: Until next time, everyone, be generous, be wise and be your own financial superhero.
• 23:45
  Arthi Rabikrisson: Ciao everyone, Ciao for now.
• 23:49
  Malika Petersen: Thanks for joining us.
• 23:50
  Malika Petersen: We hope you found these ideas and guidance useful.
• 23:54
  Arthi Rabikrisson: We're both seasoned in the investments industry.
• 23:58
  Arthi Rabikrisson: Malika is at the coalface of how, where and why people invest the way they do.
• 24:12
  Malika Petersen: I certainly am, and you,Arthi Ai You've witnessed different types of investor behaviors around money too, and now work as a global award-winning coach to free us from the mindsets that stop us from becoming financially free.
• 24:20
  Arthi Rabikrisson: Do subscribe, share and write a review or send us comments.
• 24:24
  Arthi Rabikrisson: We would love to hear from you.
• 24:26
  Arthi Rabikrisson: Catch you on the next episode of the Swan Effect podcast.
• 24:31
  Arthi Rabikrisson: Bye for now, ciao.