The Relebogile Mabotja Podcast #40 – Nicolette Mashile: What Your Spending Reveals About You

I speak to award-winning financial literacy content creator, business owner, and author, Nicolette Mashile.

She takes me through her journey of growing up in an all-girls household, where she was the last born and her older sister naturally stepped into the role of a “deputy parent.” Sent to boarding school at a young age, Nicolette reflects on the independence that shaped her early on — an independence that continues to influence the decisions she makes today.

We delve into her academic journey and her father’s unwavering commitment to ensuring his daughters received the best education. Nicolette opens up about her challenges at Rhodes University, where she eventually left without a degree, and her first taste of navigating life in Johannesburg. From coaching netball as a side hustle to proving she was more than just a dropout, she shares how these experiences built her resilience and drive.

Nicolette shares how studying communication, instead of economics, set her on the path of financial literacy education. After making her own financial mistakes, she found her voice in financial education using storytelling to unpack her own experiences while teaching others. Now a leading voice in financial literacy, Nicolette urges young people to build portfolios for themselves instead of squeezing into existing roles.

This episode is about learning from her story to make better financial decisions, to understand how financial systems work, and to discover how to make your money work for you.

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04:06 - Nicolette's Academic Journey
05:46 - Why Nicolette moved out of home at an early age
07:32 - Nicolette's Relationship with her parents
11:27 - Why She's Fiercely Independent
14:51 - Dropping out of Rhodes
21:55 - What made Nicolette change her mindset
26:47 - Nicolette's Career in Financial Literacy
33:33 - The problem with Financial Institutions
38:34 - What is a Financial Influencer
42:04 - The Psychological Aspect of Finances
45:11 - Where can people find reliable Financial Information?
51:12 - Can money solve your problems?
54:04 - What is "Black Tax"?
58:40 - The root cause of money problems
01:03:00 - What to do with R5000