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As we get closer to the end of 2025, Arthi and Malika offer listeners the opportunity to press pause, clear the financial fog, and build a values-led plan for the year ahead with simple tools that turn overwhelm into focused action.

This episode is jam-packed with reflective questions, simple frameworks, practical rituals, and next steps to show you how clarity grows when money decisions match what matters most.

Listen in as the co-hosts talk about:

• Why do we lose clarity through overload, opinions, and emotion
• How awareness is the first power move
• Considering budgets and doing emotional check-ins
• The 3R Review: reflect, reframe, refocus
• A five-minute clarity journal
• Purpose-based choices guided by values
• Debt versus investing through a holistic lens

And to give you practical ideas, keep on listening to the inspiring Activation Capes, the micro superpowers that can help you finish your year grounded and focused.

• Clarity Capes - to help you clear the financial fogs, like the Mirror Moment or the Values Compass
• Action Capes - simple steps to reboot your budget, or reset your plan, like the Iron Heart Build or the Okoye Discipline Drill
• Purpose Capes - ways to align your money with your mission, like the Vibranium Vision Board or the Kwezi Community Act
• Mindset Capes - small daily habits that restore calm and control, like the Wonder Pause or the America Chavez Portal

Plus so much more!

If you're looking to gather yourself and prepare for pre- and post-holidays this is the episode for you!

Share 📢and write a review as Arthi and Malika continue on their mission to simplify the complexities of money management to empower you toward financial freedom, becoming your own financial superhero, and passing on your superpowers too!

This #podcastepisode is proudly sponsored by Old Mutual Wealth.

🎧 The Swan Effect Podcast is proudly sponsored by Old Mutual Wealth, supporting conversations that help us build financial clarity, confidence, and long-term well-being.

If this episode resonated with you, please subscribe, share it with someone who might need it, and leave us a review. We’d love to hear your reflections — your messages and comments help shape the conversations we have next.

Thanks for listening!

— Arthi & Malika