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The Money Stories We Never Questioned

We’re opening Season 5 by naming the money conversations many of us were taught to avoid — debt, death, and taxes — and gently unpacking how those silences shaped the way we relate to money today.

In this episode, cohosts Arthi and Malika explore how our earliest experiences of money — what was said, what was modelled, and what was never spoken about — quietly become the rules we live by as adults. We talk about family “atmospheres” around money, generational ideas of respectability and safety, and why avoidance often holds more power over us than the numbers themselves.

This conversation isn’t about blame or doing money “right.” It’s about awareness, choice, and creating a calmer, more conscious financial legacy — for ourselves and for those watching us.

In this episode, we explore:

• Why we’re naming Debt, Death, and Taxes (DDT) as the theme for Season 5
• How avoidance keeps money stories powerful and unquestioned
• Childhood financial atmospheres and the silent rules we inherit
• Respectability, stability, and risk aversion across generations
• Scarcity thinking versus security-based decision-making
• The difference between strategic debt and destructive debt
• Reframing taxes as planned participation rather than punishment
• The idea of a living legacy — what we model long before we’re gone
• Adult patterns like overworking, under-earning, and financial avoidance
• The “people like us don’t…” exercise to surface inherited beliefs
• Practical ways to begin updating your money story

This episode is an invitation to pause, reflect, and gently question the stories you’ve been carrying — and to decide which ones still deserve a place in your life.

🎧 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

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It has been a financial marathon this season, with hosts Arthi and Malika delivering a wealth mindset so that you can become your own financial superhero. What listeners may not have known, was that each epsiode this season was building up to a cape fitting ceremony. In this final episode of Season 4, Arthi and Malika unveil the Superhero Wealth Equation—Identity x Behaviour x Time x Community— a simple, multiplicative model that turns scattered advice into a focused plan you can actually stick to.

As a bonus, the hosts guide listeners through a reflective year-end Superpower Audit (click to download) to turn clarity into action. Along the way, they recap key lessons, share listener wins, and wrap with a peek at next season’s deep dive into the DDT: Debt, Death, and Taxes.

Listen in to Arthi and Malika:

• • tying ten episodes into a clear wealth formula
• • explain identity as the base for money confidence
• • unpack behaviour superpowers and why consistency matters
• • extoll about time and compounding as inevitability builders
• • emphasize community as stabiliser, accountability and legacy
• • underscore multiplicative thinking and zero-risk to the equation
• • offer a step-by-step Superpower Audit with actions

and so much more!

Go forth and multiply your wealth in 2026 the Swan Effect Superhero way!

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

Send us a text

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