Firstly please forgive me for rather a lot of comms with your this past week and also for all these fun giphy images – I am having so much fun with the action of moving images I can’t resist using them a lot!!)

I am mixing it up a bit this weekend by revisiting the concept of

“Creating Your Own Economy”

and actioning rather than complaining, waiting for the right time, or blaming your situation for your lack of motivating yourself to be BRAVE and UNSTOPPABLE.

Quite frankly it pisses me off royal to see so many heart centered women with so much to offer hold themselves back through apathy, every reason, justification and excuse after excuse they keep telling themselves as to why they think they can’t have what they want

– “the I can’t afford this right now objection”

because I know its never a money problem, it’s a commitment problem where they just don’t trust themselves enough to invest in themselves.

Maybe you can relate to that big fat lie of “not affording”, you just don’t see getting the thing giving you sleepless nights and constant leaky guts as a BIG enough priority.

In case you missed part one of my top take aways from Tony Robbins new book Unshakable – Your financial freedom playbook.

Here is the audio I made of my top take aways to action on from Tony Robbins latest book “Unshakable”.

Many of you know I am a seeker, action philosopher and strong medicine woman.

I stand for truth telling, connection over promotion and intentional creativity which is where my personal demand is to read at least 5 books a month and then to apply what is true for me and a little daringly BRAVE.

I use Evernote to take notes on everything, even though I still love manually highlighting
ahas and exhalations in my books.
Nothing satisfies more than to write on real paper with smelly magic markets, calligraphy and glitter pens. The pen is my magic Unicorn wand and when I write as if it has already happened, I achieve almost to the smallest detail what I have set out to attain in my commitment to my living legacy.

I just order “Tools of Titans” by one of my favorites Tim Ferris, its the size of a brick and will double as a very good weapon or door stop too, so it’s future potential makes the duties and courier charges to get it to me all the more precious an investment 🙂

Back to UNSTOPPABLE here are some of my top insights, even of you ave read the book I would love to hear your best bits, so hit me up with those in a reply will you?


Paul Tudor Jones questions:
“Is this truly the hard trade (something others can’t easily replicate)? Does it really have asymmetric risk/reward? Is it a five-to-one or a three-to-one? What’s the entry point? Where are your stops?”
Pg. 36, -38% year — TF: How long to recover to baseline if you entered that year?
The stock market is a device for transferring money from the impatient to the patient.
****TF: If corrections of 10% come once per year, couldn’t I hold cash and simply have that trigger purchases 1x per year? Or wait for 20% “bear market” drop, then invest?
“Buffett did just that in late 2008, investing in fallen giants such as Goldman Sachs and General Electric, which were selling at once-in-a-lifetime valuations. Better still, he structured these investments in ways that reduced his risk even further. For example, he invested $5 billion in a special class of “preferred” shares of Goldman Sachs, which guaranteed him a dividend of 10% a year while he waited for the stock price to recover.“
And/Or: Go with index fund for 401(k) plan fees, etc. for Tony’s Creative Planning
pg. 78
In the interests of cutting through the confusion, I’m going to make this as simple and straightforward as possible. In reality, all financial advisors fall into just one of three categories. What you really need to know is whether your advisor is:

  • a broker,
  • an independent advisor (RIA)***, or
  • a dually registered advisor.

Now let’s break this down in more detail so you know exactly what you’re
dealing with.
Question to ask: Do you act as a “fiduciary” [what you want] or a “broker” or both?
Wealth manager needs to understand taxes, insurance, etc.


1. Are You a Registered Investment Advisor? If the answer is no, this advisor is a broker. Smile sweetly and say good-bye. If the answer is yes, he or she is required by law to be a fiduciary. But you still need to figure out if this fiduciary is wearing one hat or two.

2. Are You (or Your Firm) Affiliated with a Broker-Dealer? If the answer is yes, you’re dealing with someone who can act as a broker and usually has an incentive to steer you to specific investments. One easy way to figure this out is to glance at the bottom of the advisor’s website or business card and see if there’s a sentence like this: “Securities offered through [advisor’s company name], member FINRA and SIPC.” This refers to the Financial Industry Regulatory Authority and the Securities Investor Protection Corporation, respectively. If you see these words, it means he or she can act as a broker. If so, run! Run for your life!

3. Does Your Firm Offer Proprietary Mutual Funds or Separately Managed Accounts? You want the answer to be an emphatic no. If the answer is yes, then watch your wallet like a hawk! It probably means they’re looking to generate additional revenues by steering you into these products that are highly profitable for them (but probably not for you).

4. Do You or Your Firm Receive Any Third-Party Compensation for Recommending Particular Investments? This is the ultimate question you want answered. Why? Because you need to know that your advisor has no incentive to recommend products that will shower him or her with commissions, kickbacks, consulting fees, trips, or other goodies.

5. What’s Your Philosophy When It Comes to Investing? This will help you to understand whether or not the advisor believes that he or she can beat the market by picking individual stocks or actively managed funds. Over time, that’s a losing game unless the person is a total superstar like Ray Dalio or Warren Buffett. Between you and me, they’re probably not.

6. What Financial Planning Services Do You Offer Beyond Investment Strategy and Portfolio Management? Investment help may be all you need, depending on your stage of life. But as you grow older and/or you become more wealthy with various holdings to manage, things often become more complex financially: for example, you may need to deal with saving for a child’s college education, retirement planning, handling your vested stock options, or estate planning. Most advisors have limited capabilities once they venture beyond investing. As mentioned, most aren’t legally allowed to offer tax advice due to their broker status. Ideally, you want an advisor who can bring tools for tax efficiency in all aspects of your planning—from your investment planning to your business planning to your estate planning.

7. Where Will My Money Be Held? A fiduciary advisor should always use a third-party custodian to hold your funds. For example, Fidelity, Schwab, and TD Ameritrade all have custodial arms that will keep your money in a secure environment. You then sign a limited power of attorney that gives the advisor the right to manage the money but never to make withdrawals. The good news about this arrangement is that if you ever want to fire your advisor, you don’t have to move your accounts. You can simply hire a new advisor who can take over managing your accounts without missing a beat. This custodial system also protects you from the danger of getting fleeced by a con man like Bernie Madoff.


“The most important thing for me is that defense is 10 times more important than offense. . . . You have to be very focused on protecting the downside at all times.”

Paul Tudor Jones, who uses a “five-to-one rule” to guide his investment decisions. “I’m risking one dollar in the expectation that I’ll make five,”


“What I realized is nobody knows and nobody ever will,” he says. “So I have to design an asset allocation that, even if I’m wrong, I’ll still be okay.”


“Don’t even bring me an investment idea unless you first tell me how we can protect against or minimize the downside.”


Cap gains of 20% versus 50% for income. “Believe me, all the billionaires I’ve ever met have one attribute in common: they and their advisors are really smart about taxes! They know that it’s not what they earn that counts. It’s what they keep. That’s real money, which they can spend, reinvest, or give away to improve the lives of others.”

Tony: “Of course, I don’t start with taxes. That would be a severe mistake. I always start with a focus on not losing money and on getting asymmetric risk/reward. Then, before making any investment, I make a point of asking, “How tax efficient is this going to be? And is there any way we could make it more tax efficient?”” Focus on after-tax returns and consider MLPs (p. 108).


  1. Diversify Across Different Asset Classes. Avoid putting all your money in real estate, stocks, bonds, or any single investment class.
  2. Diversify Within Asset Classes. Don’t put all your money in a favorite stock such as Apple, or a single MLP, or one piece of waterfront real estate that could be washed away in a storm.
  3. ***Diversify Across Markets, Countries, and Currencies Around the World. We live in a global economy, so don’t make the mistake of investing solely in your own country.
  4. Diversify Across Time. You’re never going to know the right time to buy anything. But if you keep adding to your investments systematically over months and years (in other words, dollar-cost averaging), you’ll reduce your risk and increase your returns over time.

David Swensen:

Of course, there are many different ways of diversifying. I discuss this in detail in Money: Master the Game, laying out the exact asset allocations recommended by Ray and other financial gurus, such as Jack Bogle and David Swensen. For example, David told me how individual investors can diversify by owning low-cost index funds that invest in six “really important” asset classes: US stocks, international stocks, emerging-market stocks, real estate investment trusts (REITs), long-term US Treasuries, and Treasury Inflation-Protected securities (TIPS). He even shared the precise percentages that he would recommend allocating to each.

Ray Dalio:

Aim for 15 uncorrelated bets. “The holy grail of investing is to have 15 or more good—they don’t have to be great—uncorrelated bets.” In other words, everything comes down to owning an array of attractive assets that don’t move in tandem. That’s how you ensure survival and success. In his case, this includes investments in stocks, bonds, gold, commodities, real estate, and other alternatives. Ray emphasized that, by owning 15 uncorrelated investments, you can reduce your overall risk “by about 80%,” and “you’ll increase the return-to-risk ratio by a factor of five. So, your return is five times greater by reducing that risk.”


Sir John Templeton’s famous remark: “The four most expensive words in investing are ‘This time it’s different.’
Tony co-author, Peter Mallouk: “Throughout the crash, we continued to invest heavily in the stock market on behalf of our clients. We took profits from strong asset classes such as bonds and invested the proceeds in weak asset classes such as US small-cap and large-cap stocks, international stocks, and emerging-market stocks. Instead of betting on individual companies, we bought index funds, which gave us instant diversification (at a low cost) across these massively undervalued markets”

On average, the market is down about one in every four years. You need to recognize this reality so you won’t be shocked when stocks tumble—and so you’ll avoid excessive risks. At the same time, it’s useful to recognize that the market has made money three out of every four years.

One reason why the best investors are so successful is that they override the natural tendency to be fearful during periods of market turmoil. Take Howard Marks. In the last 15 weeks of 2008, when financial markets were imploding, he told me that his team at Oaktree Capital Management invested about $500 million a week in distressed debt. That’s right! They invested half a billion dollars a week for 15 straight weeks during a time when many thought the end times had arrived! “It was obvious that everybody was suicidal,” Howard told me. “In general, that’s a good time to buy.”

Real Estate Investment Trusts (REITS). I’m sure you know people who’ve done well by investing directly in residential property. But most of us can’t afford to diversify by owning a slew of houses or apartments.

That’s one reason why I like to invest in publicly traded real estate investment trusts (REITs).
Private Equity Funds
Master Limited Partnerships. I’m a big fan of MLPs, which are publicly traded partnerships that typically invest in energy infrastructure, including oil and gas pipelines. What’s the appeal? As Tony mentioned in the last chapter, we sometimes recommend MLPs because they pay out a lot of income in a tax-efficient way. They don’t make sense for many investors (especially if you’re young or have your money in an IRA), but they can be great for an investor who is over 50 and has a large, taxable account.
p. 132 — Doesn’t like gold or hedge funds

Burton Malkiel: Unsuccessful investors tend to “buy the thing that’s gone up and sell the thing that’s gone down.” One benefit of rebalancing, says Malkiel, is that it “makes you do the opposite,” forcing you to buy assets when they’re out of favor and undervalued. You’ll profit richly when they recover.

[Read more on investing from Tony here.]

And two other South African success stories to follow and learn from that I am so proud of being on their “team” as cheerleader and mentor
are Ann Wilson – The Wealth Chef who has a great 3 part FREE training available to get you smarter about money and where you can make it work for you…..

and my amazing client who has totally applied the blueprint we created together, leapt across the world and out of her comfort zone Vangile McKwaka who is all launching her new Money magic online program and deepening her action and intention with The Spirit of Money. 

Her home study program is changing lives as well in magical ways and she really walks her talk and tells her story with a whole heart <3

(And YES if you are part of the BRAVE bold action takers inner circle happening Sunday 28th, we will be having guest experts BRAVE additional session coming up exclusively to assist BRAVE members like you in their areas of expertise)

So there it is – I am curious to know what one thing you can action right now to CREATE YOUR OWN ECONOMY AND BE UNSTOPPABLE AND BRAVE AND THE BEST YOU.

Hit reply or post your nuggets of wisdom over on my Facebook page so others can be inspired by your BRAVE actions and rituality to make money work for you.

Much love and appreciation


P.S.: If you are sick and tired of your own BS excuses and ready to invest in yourself, back your own horse, get some skin in the offing game of YOUR life before you kill yourself under the pile of Sh1t you keep buying into consider coming to BRAVE – the Bold action taking Live Immersive meet up, next Sunday 25th June in Sandton, Johannesburg.

If you know you can NOT, NOT afford to make the last 6 months of 2017 multiply your results and your bank account then stop making excuses and take action now.

This is an exclusive group for ACTION-EERS ONLY,
the BRAVE, Unstoppable women, who know beyond a “maybe” that they are ready to upgrade their lives and business.

If that sounds like you, email me with a “Hell YES I am in” then reserve your spot at the round table of infinite possibilities and tangible results now.

The price goes up to R1111 next round.
So if you want to Lock in your expanding STOCK in yourself at the introductory investment of ONLY R850, book yourself in NOW.


The power of choice is yours, choose!