💸 Two brothers. One very honest conversation about money.

In this episode of Rich AF, host Charl Minnaar (The Yachting Investor) sits down with his brother Stefan for a raw, unscripted conversation about money, life, work, and the messy reality of growing up and figuring things out as adults.

What starts as sibling banter quickly turns into a candid discussion about upbringing, financial habits, career paths, and how money quietly shapes decisions around lifestyle, relationships, and long-term freedom. There is humour, self-awareness, a fair amount of swearing, and no pretending that anyone has this fully figured out.

They talk about yacht income versus land-based expenses, saving aggressively without becoming miserable, lifestyle creep, investing mindsets, property myths, and why chasing numbers alone rarely delivers the sense of security people expect. Marriage, prenups, and the uncomfortable truth about how late most couples talk about money also come up, openly and without sugarcoating.

This is not a how-to episode and it is not financial advice.
It is a real conversation between two people who grew up together, took very different paths, and are still learning what money is actually for.

Expect laughs, direct language, perspective, and the kind of honesty that makes you reflect on your own relationship with money.

🎧 Topics covered in this episode:
• Growing up and early money beliefs
• Yacht paychecks versus real-world costs
• Saving, investing, and lifestyle creep
• Financial independence versus chasing numbers
• Property, renting, and common money myths
• Money inside relationships and marriage
• Why money conversations matter earlier than most think

📌 This episode is for entertainment and personal experience only and does not constitute financial advice.

💬 Listener question:
When did you first realise that earning more money did not automatically make life simpler?