It’s the dawn of the Fourth Industrial Revolution, and this time, Africa will not be left behind. TheMoney.Finance Podcast brings you everything you need to know about money and investments – from starting a small business to investing in stocks, bonds, and digital currency. In each episode our hosts unpack game changing opportunities and unlock their concepts to make them more accessible to people from all walks of life. Topics covered range from innovative side-hustles, abundance mindsets, and creating generational wealth.
Jobs and Money Ep 13
In this episode, our hosts discuss some of the challenges that most people face when applying for a new job. Grey and DJ Sbu share their experiences and share tips on how to stand out from the rest of the applicants.
Although this channel preaches entrepreneurship and creating your side hustle, the reality is that most of us will have to get jobs at some point in our lives. So, the question is, how do you get a job right now in today’s market?
For every profession out there, there are thousands of graduates. Therefore, there are just as many applicants applying for the same job. How do you make your application stand out from the rest?
Being in the fortunate position of creating jobs, DJ Sbu and Grey share some of the things that they look out for when hiring people. The first mistake that most people make is to talk about themselves. Yes, you are qualified and have a degree. But your potential employer is trying to solve a problem. A great place to start would be how you can help them solve that problem.
Research the company that you are applying for, and list some of the ways you can help them become better in the future. Show them the potential employer how you can help them with your skills and knowledge - don’t just send scans of your qualifications. Tell a story about yourself - make yourself stand out from the rest of the applicants.
If you’re a recent university graduate we challenge you to write a compelling story about yourself and what problems you can solve without mentioning your specific degree.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk
2/8/2022 • 12 minutes, 17 seconds
Generational Wealth Ep 12
In this episode, our hosts discuss the hot topic of building Generational Wealth.
We have a burgeoning middle class in South Africa. We call it the Soft Life. But what Covid revealed is that a lot of that lifestyle was living in debt. Yes, it is okay to take out a loan from the bank. But what is important is that you spend the money on assets that accumulate value over time.
Wealthy people have a long-term game plan of creating wealth. Wealth is created within a system. Not everyone has to hustle. Some people will have inheritances that take care of their lifestyles and everyday needs because the generations before them built businesses or trusts that would benefit them in the future.
The lesson to take away is that generational wealth is built over time. That requires long-term thinking and long-term planning. It is also important to note that the right partnerships and collaborations go a long way when building a business that will stand the test of time.
The good news is that we all have the opportunity to start building wealth for generations to come. The internet makes it possible for you to build a family business. Most wealthy people started with a family business. So ask yourself, what is it that you are doing right now, that will make your children and your great grandchildren's lives easier in the future.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk
2/1/2022 • 15 minutes, 46 seconds
Grey Interviews DJ Sbu - Part 2 Ep 11
In this episode, our hosts continue the candid conversation where Grey interviews DJ Sbu to get to the bottom of what keeps him motivated.
Having interviewed many successful people on radio and podcasts, DJ Sbu found that there are certain habits that wealthy people have in common. One of them is reading. Reading books or audible material makes you smarter and helps you to stay ahead of the game. The more you know, the better you can perform.
Cultivating other healthy habits such as meditating in the morning, exercising, hiking, and taking long walks on the weekends are other activities that successful people seem to have in common. These habits promote discipline and stamina to stay the course when life gets tough.
While discipline and healthy routines are important, successful people also take huge risks. Think of Richard Branson’s launching of Galactic Virgin. He literally flew out to space to promote the company.
DJ Sbu is no stranger to taking huge risks. During an awards ceremony, he spontaneously announced the launch of his MOFAYA Beverage Company. He got fired from one of the biggest radio shows and television programs in the country. He took a calculated risk, which cost him a lot, but now he is reaping the benefits of being bold with his vision and dreams. His firing drove him to open up two radio stations and exposed him to new opportunities he otherwise wouldn’t have had - had he played it safe.
Think of discipline and self-development as your training. So that when you eventually meet challenges, you will be able to see and seize the opportunities that present themselves.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk
10/31/2021 • 28 minutes, 18 seconds
Grey Jabesi Interviews DJ Sbu Ep 10
Grey Jabesi Interviews DJ Sbu
In this episode, our hosts have a long format conversation where Grey interviews DJ Sbu to get to the bottom of what keeps him motivated on his journey to becoming a future billionaire.
Ultra-wealthy individuals often have altruistic goals. Elon Musk is fighting climate change and promoting multi-planetary living to ensure the survival of the human species through his invention of the electric sports car Tesla and space company SpaceX.
The two most important days of your life are the day that you were born and the day that you discover why you were born, says Bob Proctor. Finding your life's purpose and understanding that we're put on earth to serve others is fundamental to becoming a wealthy individual.
DJ Sbu is one of the wealthiest entertainers in South Africa, yet he carries himself with an air of humility and is accessible to ordinary South Africans. "My name is Sibusiso, which means a blessing...I am blessed to become a blessing," says Sbu. "I have always wanted to follow my name. Every move that I make, I have my community in mind. Every decision I make, I have my great-grandchildren in mind..."
DJ Sbu founded The Sbusiso Leope Education Foundation, a non-profit organization that gives bursaries to pupils nationwide. He promotes small South African businesses online and teaches leadership skills to entrepreneurs.
Your life's purpose has to go beyond yourself and your loved ones. The more people you serve, the bigger your sphere of influence will become. Otherwise, in the words of Will Smith - Your life will become better by making other lives better.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk
10/17/2021 • 32 minutes, 22 seconds
How Think Long Term Ep 9
How to Think Short Long Term
In this episode, our hosts discuss the importance of setting short-term goals so we can ultimately crush our long-term goals. In achieving your long-term goals of building generational wealth and leaving behind a legacy, there are steps that you need to take every day to ensure that you are still on the right track.
It is good to have big aspirations and plans to change the world for the better. But everything starts small. You cannot hope to change your community if you fail to wake up on time in the morning. So your short-term goals are building blocks for your long-term goals. Or, as DJ Sbu puts it, “[Short-term]Goals are dreams with a deadline.”
By definition, short-term goals are things you want to accomplish soon. In other words, it could be anything you want to do like today, next week, or maybe by the end of the month. It can be as simple as waking up early or doing one hundred push-ups for the day.
Whatever your short-term goals might be, make sure to write them down - or jot them down in your calendar. It’s easy to get distracted from your mission in life, therefore setting short-term goals makes sure that what you do every day contributes to the wealth and success of your future self.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk.
10/4/2021 • 14 minutes, 34 seconds
How to Think Long Term Ep 8
How to Think Long Term
Banks always advise you to think long-term when it comes to investments. This notion jars with our microwave generation because patience seems to be a lost virtue.
In this episode, our hosts talk about the moments when their mindsets shifted from short-term to long-term thinking. They delve into the importance of finding the right partners in life, business, and friendships so that you can build and leave a legacy that lasts for generations.
For DJ Sbu, his mind shifted to long-term thinking when his daughter was born. The thought of providing a good life and university tuition 18 years down the line changed his perspective on the hustle. Grey, on the other hand, learned about long-term thinking in his dating life. The hottest girls turned him down because he was busy working when everyone was partying in the club. A couple of years down the line, the tables had changed. Those girls who turned him down now wanted him, but he was no longer interested because he had elevated his mindset.
Older folks may have an advantage to long-term thinking because they have had the benefit of time to reflect on their past decisions and make better ones in the future. Younger people seem to struggle the most because they still lack enough life experience. But playing the long-term game when you are young has the most benefits.
DJ Sbu advises young people to focus on personal development, find their life's purpose, and importantly make sure that you align yourself with the right partners in life because your wealth and success depend on it.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk
9/30/2021 • 34 minutes, 5 seconds
How To Start A Side Hustles Ep 7
Side Hustles
In this episode, our hosts discuss how to start a side hustle. Whether you’ve lost your job due to the pandemic or you’re looking for ways to generate an extra income - there are various ways you can start building an income-generating side hustle.
Raised in an entrepreneurial household, DJ Sbu’s started his side hustles as a little boy. After school, he would sell loose sweets from his father’s spaza shop, and during the holidays, he would help out at his mother’s hair salon for extra cash.
On the other hand, Grey started his side hustling gigs by leveraging his skills as a video editor. Instead of applying on mainstream recruitment sites, he targeted small communities on Reddit. He advertised his video editing services to key players, which set him apart from the competition and aided his conversion rate.
The internet gives you access to a permissionless, global ecosystem. Do you have a mobile phone or a laptop with internet access? What is your excuse for not starting now?
Remember that a side hustle is something you do to generate additional income outside of your main job or source of income. So if you work a full 9 to 5 or are a full-time student, nothing should be stopping you from starting something else on the side.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk
9/20/2021 • 11 minutes, 26 seconds
Why You Not Getting Rich Ep 6
Why you are not getting rich
In this episode, our hosts discuss the limiting mindsets that kept them from becoming wealthy. Having a healthy money mindset is crucial to your journey of becoming a millionaire.
Did you know that Jeff Bezos, Elon Musk, and Warren Buffet do not have billions chilling in their bank accounts? Yes, they are billionaires, but their net worth is the value amount of their assets, minus their liabilities or debt. In other words, because Bezos owns a lot of shares (assets) in Amazon, which is a trillion-dollar company, he is one of the wealthiest people in the world today.
If you buy expensive shoes and drive big fancy cars to show off to your friends - you are missing the point. You are hustling backward because you are increasing debt and not assets - which negatively affects your net worth.
It is time to spring clean your spending habits. The average millionaire invests 20% of their household income. Instead of spending your paycheck on shiny new sneakers, which increases liabilities. How about investing the money towards starting an online business or buying shares in a profitable company? Which increases your assets. Your older and wealthier self will thank you.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk
9/8/2021 • 16 minutes, 8 seconds
How To Keep Money | The Long Money Game Ep 5
How To Keep Money
Whoever gathers money little by little makes it grow - Proverb.
In this episode, our hosts discuss how you can keep some of the money that you earn so that it grows into more money in the future. Whether you make a minimum wage or a six-figure salary, you have to find a way to turn some of your earnings into investments.
Grey and DJ Sbu share some of their tips on how they have managed to retain their earnings and accumulate more wealth over time.
Having a lot of debt is like pouring water into a bucket full of holes at the bottom. No matter how much water you pour inside, the bucket will never be brimful. Therefore, the first tip from DJ Sbu is to eliminate debt. Once you eliminate debt, it is easier to start redistributing any excess cash towards investment activities.
The right mindset to creating wealth will help you make the sacrifices in cutting out bad spending habits. Remember that there is no cheat sheet for real success. Exactly like you have to put in time at the gym to get ripped, you have to put in the time in learning and educating yourself to get rich.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk
8/30/2021 • 14 minutes, 56 seconds
Why you should make money on the internet. Ep 4
Why you should make money on the internet
In this episode, our hosts discuss the unlimited opportunities for starting a business or earning passive income online. Twenty years ago, it was impossible to start a business without putting capital upfront. Today, if you have a mobile phone and access to the internet - the opportunities are endless.
The internet gives you access to a permissionless, global ecosystem. For example, if you set up a restaurant in the real world, you need countless permits. You would need to pass building and health inspections. Hire staff and waiters, and have the right food and liquor licenses, which are renewable year on year. You would have to pass through a lot of hurdles or red tape.
But with the internet, you can set up a Foodie Blog or Channel using a free site and start creating content. It will take a lot of hard work and discipline, but with enough followers, it won’t be long before restaurant owners and brand managers start paying you for being featured on your website or channel. You keep all your content, you set your working hours, and you access an international audience.
Do you have a mobile phone or a laptop with internet access? What is your excuse for not starting now?
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk
8/22/2021 • 13 minutes, 59 seconds
How Money is made. Ep 3
How is money made?
In this episode, our hosts unpack how money gets generated. They discuss capitalism, fiat money and highlight the two main ways you can accumulate wealth.
We’re currently living in a capitalist system, where the wealth gap between the rich and the poor is widening. It is therefore imperative that we learn more about how money gets created.
What is the difference between an R20 note and a $20 note? They are both made out of paper, but the value that they can give you is very different. You can buy ten times more with the $20 note than you can with an R20 note. That is fiat money - the issuing government gives it its value. Hard or commodity money such as gold or silver, on the other hand, has the same buying power wherever you go in the world.
So how do you get your hands on more money? Firstly, create value - use your talents, your skills, and your labour to earn money. Secondly, you must get into the right mindset of accumulation. Thirdly, you need to build a steady stream that generates passive income.
This list is by no means exhaustive because we do not have all the answers. So in the comments section, please suggest people you would like to see featured, so we can all learn and grow wealthy together.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk.
8/13/2021 • 10 minutes, 48 seconds
What money really is. Ep 1
What money really is.
Have you ever wondered why most lottery winners end up filing for bankruptcy only a few years later after winning their millions? Or how do superstars or sports stars end up broke only a few years after retiring? What happened? What did they do with all that money?
We have all met people who, no matter how dire their circumstances, always seem to land on their two feet. Or no matter how small the chances, they always seem to win and come out on top. They seem to attract success wherever they go. They have the Midas touch.
And then we’ve met the others - you know, the ones where something good never actually sticks to them. They might buy a new car, only to have it involved in an accident later. Or get a new job, only to get fired a few months later. They are the misfortune ones. They are the unlucky Lukes.
In this episode, DJ Sbu and Grey Jabesi delve deep into the psychology that perpetuates the cycle of poverty in people’s lives. They share their own experiences and discuss their philosophies of what money and success mean to them.
This episode will challenge your relationship with money and success so that you can finally break the unhealthy beliefs because, after all, your thoughts become your reality.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk.
8/8/2021 • 14 minutes, 4 seconds
How to develop a money mindset. Ep 2
How to develop a money mindset.
What is the first thing you would do if a million dollars were to hit your bank account right now? Think about that rush of dopamine when you open up the SMS to see the seven figures reflecting in your available balance.
“One of the things that I taught myself is that when I get an amount of money that is really impactful to me, that makes me shake, I won’t spend it for a month first until I can get used to the idea of having that money myself, then I can make wiser decisions in spending it later,” says Grey Jabesi.
In this episode, DJ Sbu and Grey Jabesi talk about the importance of developing a healthy mindset about money and success - the abundance mindset. They share some of their tips and daily routine practices that have helped them sustain their success and accumulate more wealth over the years.
This episode will inspire you to adopt some daily habits that will have a lasting beneficial impact on your financial future.
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DISCLAIMER – NOT FINANCIAL ADVICE
The website cannot and does not contain financial, tax, investment, or legal advice. The financial, tax, investment, or legal information is provided for general informational and educational purposes only and is not a substitute for professional advice. Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial, tax, investment, or legal advice. The use or reliance of any information or products contained on this website is solely at your own risk