Skip to main content


Midlife Money Makeover

It is never too late for a makeover, and midlife is the perfect opportunity to redesign your life exactly as you want it. You do have choices for every aspect of your life – including your money. Especially your money. This book is a call to action to take control of both your life and your money.

Midlife Money Makeover will prepare you for your transition into elderhood and will guide you in an easy-to-follow process to pause, tune in and consciously create your next chapter – enabled by your money.

A purposeful midlife makeover is intentional. To be intentional in midlife is to clarify for yourself what you want your life to look like? What do you still want to achieve? And how will your money enable the life you want?

Now is the time to make changes, to design a life with balance, fulfilment and joy. You do not want to leave your next chapter to chance or carry on doing what does not fulfil you. You do not want you to look back in years to come thinking ‘if only.’

Filled with inspirational stories, practical tools and helpful reflections, this book will show how to become an empowered, modern elder.

* Also available in all leading retailers and online at Amazon, Exclusive Books Online (international and local orders – soft cover), GraffitiBooks (international and local orders – soft cover), Global Book Marketing (GBM) – for readers in the UK and certain parts of Europe (based in London), Takelot and Loot.

Chip Conley

New York Times bestselling author of Wisdom@Work: The Making of a Modern Elder and founder of the world’s first ‘midlife wisdom school’, the Modern Elder Academy.

“What’s curious is how few of us accurately estimate how much of our adult life is still ahead of us. I was 57 years old when I discovered on a customised longevity app that I was possibly going to live to 98…. Three years later, partly due to the guidance of Kim’s writing, I feel so much better equipped to live a life that is as deep, rich, and meaningful as it is long.”

David Krueger

MD, CEO MentorPath and author of Your New Money Story: Roadmap for Money Mastery.

“Your Midlife Money Makeover will guide you to embrace and develop successful strategies in a framework of prosperity that will simply and profoundly change both your money mindset and the rest of your life.”

Mbali Sikakana

Commissioning Editor at NB Publishers

“A money makeover and a life reboot can happen at any age. This book showed me, as my own life has, that nothing important happens by chance. You have to nudge and push your life in the direction you want it to go. Your agency is your biggest weapon.”

Christine de Villiers

Proof-reader, NB Publishers.

“Thanks for the opportunity. I feel a little overwhelmed, actually. The text really spoke to me and it has been a privilege to benefit from all these insights at such an important time with all the surprises life is throwing at us … Huge vote of confidence!”

Dick Binge

In her latest book ,“Midlife Money Makeover”, Kim Potgieter draws on her own experiences and those of her many clients to deliver a cohesive, easy-to-read manual on how to deal with both life and finances. I was thoroughly absorbed by the book, even though I would have to live to 140 if I am only halfway through my life.

It was a relevant reminder of the path my wife and I set out on some years ago with Kim and all the workshopping we subsequently did to map out the next stage of our lives. All the various ideas and dreams are falling into place and some have become irrelevant. All this requires constant monitoring and updating. Being well prepared for our future has made the COVID-19 event so much easier to work through. During this time, we successfully sold our big house and have made a move into a lifestyle estate.

I am investigating mentoring people starting their own businesses and dealing with the daily challenges and reinventions. A path has opened up to do this and despite being a little afraid of the idea, Kim’s book has given me many pointers as to how to set about this task. I think her programme can be used whenever a big change is made and would recommend her book to anyone starting out on a new adventure.

Gerald Boting

“Thank you Kim, you have made a phenomenal contribution to our thinking about money in our family.”

Raeesa Mahomed

Transformational Life Coach

“’Midlife Money Makeover’ is as the title says, about financial planning in midlife. But it’s also so much more. It is about finding out who you are and what makes you tick, about your values and living life intentionally and meaningfully. Planning your finances is then about empowering yourself financially to live that life. It’s about understanding that money is a tool to give yourself the freedom and choices to live meaningfully. And it’s backed by solid tips and advice on how to be money savvy and make sure you do the planning and work to secure your future into retirement and beyond. Very useful and enlightening reading.”

Go. See. Do. South Africa

Extract of Review

“This week I’ve been thinking a lot about money. It was after I finished reading Midlife Money Makeover by Kim Potgieter. What I lurrrrrve about this book is that she talks a lot about the psychological aspect of money. One part that stayed with me is what she calls your money story – the stuff you tell yourself about money.”

Kim also says: “What you believe will come true because you will live it.

“How you see things will show up in your choices and behaviour and the results.” I LOVE this and I have found this to be true in my own life. Remember when I said I was feeling old, and like a has-been? Well, guess what? I started acting like it and apologizing for my age and that’s how peeps started treating me. It became self-fulfilling. And this idea of retiring? I can’t stand it because I adore working. According to Kim: “Retirement is defunct – you can work and add value for as long as you want…” Yeah, baby!! We don’t have to retire, we can carry on working until we drop dead which might sound horrible to other people but sounds perfect to me. I NEVER want to stop working. I want to be writing until I pop off to that big fat book launch in the sky.”

“There is so much more to discuss about money; becoming a mentern (mentor-intern), having a vision board, planning your dream life, talking about shame and blame…get the book, I can’t recommend it enough and have now given it to the husband to read.”

To read the full review Click Here


Midlife Money Makeover Journal


This beautiful printed journal will take you through step-by-step exercises to help you identify your money habits and reconnect with yourself, your life and your money. The final step is a makeover where you get to create a life that you’re excited to live – enabled by your money.

This Journal is designed to accompany the book. We suggest that you work through the Journal after, or while you are reading the printed copy.

You have the wisdom, the insight and the experience to dream big and make the right choices for every aspect of your life – including your money. It starts with knowing that you hold the power to make it happen.

* Also available in Exclusive Books and Takelot.

RETIREMEANT: get more meaning from your money

Are you daunted by the prospect of retirement? Do you and your partner have dreams for this major transition? Can you envisage a significant life beyond work?

Be inspired to create a significant future beyond retirement. While most books on retirement focus only on money and ways to ensure there is enough of it, Kim believes that your finances are inextricably entwined with the dreams you have for your life. All the money you have spent your life earning should be giving you the life you have always wanted – and one that allows your partner’s goals to become a reality in tandem with yours.

Kim looks holistically at all aspects of retirement – work, money, play, purpose, health, giving back, relationships and learning – and keeping these in balance for the best second half of life.

This book is packed with client stories, practical exercises and anecdotes to help you discover that the real value of a plan is in merging your money with your life goals.


Andrew Bradley

Director Fiscal Private Client Services

Kim tells a very personal and powerful story of discovery. She has truly experienced the reality of what is needed to change your mind set to get new perspectives. She is an incredible person, with a unique breadth and depth of knowledge and experience, with an unwavering desire to live her passion and purpose. In the book she shares her own story and also shows us how she works with her clients so that they can get the same meaning out of their life. Reading the book will help you in the same way.

Miranda Isaakidis

Chartered client and business-owner

I initially resisted attending a financial life planning meeting … I was not convinced that the process would interest me, or that it would be relevant to my life.  Having spent some time in just such a meeting with Kim, I see it is about much more than checking a balance sheet.  Relating my money to my life and my goals has been a freeing and energising experience, and I feel empowered to be involved in the family’s financial planning. I now see the success of my business as a means to buy my villa in Greece, among my many dreams to be fulfilled.

Dorianne Weil “DR D”

Clinical Psychologist
Radio and TV Talk Show host

Our relationship with money permeates our lives and needs to be continually addressed. Money either enables or limits the fulfilment of our goals, hopes, dreams and aspirations and this is especially true in retirement. Kim Potgieter, with her psychological understanding and her coaching skills, together with her certified financial planner qualification, takes us on a journey, in which we recognise not only the obstacles but indeed the endless opportunities offered by retirement – provided we can change our perspective!

Of course money is important; however, it is but one aspect of life. I invite you to use the skills and practical exercises in this book as invaluable tools to assist in identifying and achieving your dreams and goals.

Dorian Mintzer

Retirement, Money and Relationship Coach
Co-author of The Couple’s Retirement Puzzle: 10 Must-Have Conversations for Creating an Amazing New Life Together

Retiremeant is a must-read for everyone wondering “What’s next?” in life. Kim Potgieter, a Certified Financial Planner and lover of life, uses the kaleidoscope as a metaphor for growth and change. Kim provides a holistic approach to financial life planning. In an engaging conversational style, she shares her own and other’s stories, offers terrific exercises and tips and invites you to explore what’s important to you so you can add the ‘A’ to your RetiremeAnt – enabling your money to help you retire to a life of meaning and fulfilment.

Colleen-Joy Page

PCC ICF certified coach
Managing Director, InnerLifeSkills Coaching International

Everyone over the age of 35 should read this book – it’s such a lovely mix of personal heart, expert advice and practical how to! Kim presents a definitive heartfelt guide to making sure that your retirement is both meaningful and rich. This book is shaped around Kim’s invaluable contribution to modern wealthy retirement – filled with inspiring true client stories, practical insights, “how-to” advice, and most importantly “heart”!

You are in expert hands. Kim has studied with some of the world’s leading retirement and financial planning experts, to bring you everything you need to know to plan your retirement successfully. She also adds her wealth of knowledge as a leading, respected, wealth retirement specialist.

Roberta K. Taylor

Retirement Transition Coach
Co-author of The Couple’s Retirement Puzzle: 10 Must-Have Conversations for Creating an Amazing New Life Together

Kim’s wisdom and professional experience make Retirement: Get the most meaning for your Money, a “must read.” Both practical and creative, Kim’s work challenges you to go beyond what you already know to possibilities that you may never before have imagined. Her kaleidoscope metaphor is perfect for imagining the shifts that could bring to you your plan for a most fulfilling life!

Lionel Karp CFP®

Financial Planner FCIBM
H Dip Tax Law(Wits

I have been a financial planner for many years and always prided myself on understanding my clients’ needs. It was a unique experience to be on the other side of the process, when Kim helped my wife, Bev, and me, tackle our procrastination regarding a decision to emigrate to Australia, to join our children and grandchildren. Kim, as the only practising qualified Financial Life Planner in South Africa, was not only qualified to help us, but she also has a passion that goes beyond asking the right questions.

Kim’s compassion and insight enabled Bev and I to express how we actually felt: desperate to move, frightened to commit to the reality. I am of the firm belief that Kim’s methodology is the only way forward: looking after your wealth and taking your lifestyle into account.

To fulfil the tapestry of your own personal financial and lifestyle kaleidoscope, this must-read book will challenge you as the patterns of your life change for the better.