Forbes Afrique
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The money decisions nobody explains to you
Seven money decisions that quietly decide how much you keep: borrowing, tax, ownership, country, timing and access. And why nobody ever explains them to you.
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19PagesTwenty minutes to read.
7DecisionsAcross six areas.
9ChartsEvery figure worked out.
8WorksheetsOne after every section.
The CapitalMap
Seven money decisions that quietly decide how much you keep, and why nobody ever explains them to you.
Small costs, over thirty years$1,152,079
Borrowing vs selling, ten years$188,144
Worksheet after every sectionYes
PriceFree
The author's work has appeared in
Bloomberg
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MarketWatch
Dubai TV
What is inside
Seven decisions
How it is written
Each one gets a page of plain explanation, a chart with the numbers worked out, and a worksheet page to fill in with your own.
01
Borrow against it. Do not sell it.
Selling triggers a tax bill. Borrowing against the same thing does not, and you keep it.
02
Where you live, where you pay tax, and where your money sits.
Three separate questions. Most people answer all three by accident and never notice.
03
Whose name is it in?
That answer decides who can take it, what it costs to pass on, and who taxes it.
04
Only borrow for things that pay you back.
One test, run across every loan you have. Whatever fails it comes out of your income.
05
Spread out before you need to.
How much of what you own could you reach from outside the country holding it?
06
The best things are never advertised.
The good ones are handed round quietly. Anything sold to you has already been passed on.
07
Small leaks sink big boats.
Removing 1.5% of yearly cost beats finding 1.5% more return, and it is far easier.
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All seven, plus a worksheet for each
Nineteen pages, nine charts, eight worksheets. Free.
Send me the noteA page from the note
Small leaks grow just like returns do
$1,152,079
That is what 1.5% a year in costs takes out over thirty years. Same money in, same growth rate. The only difference is how much of it reaches you.
Chart 1. Small leaks grow just like returns do
Illustrative. $100,000 initial, $30,000 added annually, thirty years. Gross rate identical in both cases; the lower line differs only by 1.5% a year in costs. Author's calculation.
Fit
Who it is for
Be honest with yourself
The note is narrow on purpose. If the right column describes you, do not download it.
Read it if
- +You earn well and suspect the income alone is not the thing
- +You keep everything in one country and have never asked whether that was a choice
- +You have been sold products and never once shown how any of it is held
- +You would rather read nineteen honest pages than sit through a webinar
Skip it if
- ×You want stock picks, signals or a trade to copy
- ×You want a shortcut that skips the set-up costs and the paperwork
- ×You are looking for advice about your own particular situation
Who wrote it
Hasnae Taleb
I work on the allocation side: equity research and trading at Morgan Stanley first, then Nasdaq, then chief investment officer and partner at a DFSA-regulated asset manager in the DIFC. Now investment banking advisory out of Dubai and deploying capital out of Miami.
The people I deal with are not better investors than everyone else. Some are worse. What they have is six or seven decisions made on purpose, in areas where most people have made none. Those decisions are what this note covers.
Co-founder and Managing Partner, Mintiply CapitalGCC Partner, Fuel Venture CapitalForbes 50 Most Influential Women in Africa, 2026Author of 30 Rules of the Game
“Hasnae is eloquent, magnetic, knowledgeable, poised and dynamic.”
Roy Niederhoffer
American investor
American investor
Get it now
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