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Joining us in the booth this week is Selina Flavius, who is a finance coach and founder of Award winning Financial Coaching and financial literacy platform, Black Girl Finance.
In this episode we discuss:
- How Black Women are missing out on billions of pounds
- How we can close the pay gap for Black Women
- How Women can mitigate the impact of family planning on their careers
- We need to think like ‘owners’ not just “consumers”
- What to do if you’re stressed about money…!
- 3 lessons on money management you NEED to know
- How to build wealth for your children
- Actions stopping you from building wealth
- How to start building wealth today..!
- The RIGHT way to build generational wealth
- Why you NEED to speak to your family about money and much more!
Buy a copy of Selina's book "Black Girl Finance: Let's Talk Money" here - https://amzn.to/45OfNsr
Connect with Selina on her website here - https://blackgirlfinance.co.uk
Connect with Selina on Instagram here - https://www.instagram.com/blackgirlfinanceuk
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:15 - Intro
01:51 - Meet Finance Coach Selina Flavius
07:23 - Biggest lessons I learnt from my parents
08:39 - Growing up in Hackney
12:35 - Why I started Black Girl Finance!
17:38 - We’re not taught about money
19:55 - What to expect from the Black Girl Finance book..!
23:02 - Ethnicity/Gender Pay Gap
25:18 - How can we close the pay gap for Black Women?
27:42 - How Women can mitigate the impact of family planning on their careers
31:06 - Balancing hitting your financial goals vs helping others
34:24 - Black women are more likely to reduce working hours than retire!
37:23 - Why YOU NEED to contribute to a pension…!
41:22 - What to do if you’re stressed about money…!
47:06 - If I didn’t use money in a way to value myself I wouldn’t be here!
53:38 - Better to take small consistent steps than…!
56:25 - 3 lessons on money management you NEED to know!
01:00:04 - This is what’s stopping you from building wealth
01:04:57 - How to start building wealth today..!
01:05:38 - Generational wealth isn’t just about money!
01:07:49 - The importance of assets in wealth building
01:09:50 - How to build wealth for your children
01:13:10 - How to set up a junior ISA
01:13:47 - Why you NEED to speak to your family about financial affairs…!
01:20:31 - Final words
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Joining us in the booth this week is Hosanna Hali, who transitioned from Microsoft where she was a technology strategist to a leading cybersecurity company working as a solutions engineer. She’s also the founder of tech corner which is a platform that helps woman start their career in tech.
In this episode we discuss:
Lessons learnt from working at Microsoft
Why Hosanna left Microsoft for a cybersecurity company
How she transitioned from a business role to a tech role
How the Tech industry is still thriving
The government paying people to plug the skill shortage
PRO’s and CON’s of the tech industry…!
The importance of niching down to land your next tech role
The top Tech skill you should learn in 2024…!
Most ‘in demand’ Non-tech roles in 2024
Most ‘in demand’ Tech roles in 2024
3 insights to increase your income and much more!
Connect with Hosanna on Instagram here - https://www.instagram.com/thetechcornr
Sign up to her webinar here
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:03 - Intro
01:39 - Meet Solutions Engineer Hosanna Hali
03:18 - Growing up in Congo
04:45 - Moving from Congo to Bristol
06:41 - From a business degree to a tech conversion degree!
10:52 - UK government is offering people money to do a tech masters!
12:41 - First role after uni was at Microsoft!
16:27 - Lessons learnt from Microsoft
18:42 - Why I left Microsoft
21:32 - From Microsoft to a leading Cybersecurity company..!
22:30 - Networking can change your life…!
26:42 - The truth about transitioning careers
29:03 - My role as a solution engineer
31:56 - Key skills required to be good solutions engineer!
33:49 - Solution engineer’s average salary…!
35:42 - Is there still opportunity in the tech industry?
38:45 - £2 billion was invested in the tech sector in May
39:26 - PRO’s and CON’s of the tech industry…!
42:08 - How to stay ahead in the tech industry
46:05 - How to successfully transition into a tech role from a non-tech background
48:35 - The ‘easiest’ tech roles to transition into…
50:21 - Transferable skills to highlight in your CV/Interviews
52:01 - How to ‘beat’ the crowd in a competitive jobs market
57:02 - Most ‘in demand’ Non-tech roles in 2024
58:59 - Most ‘in demand’ Tech roles in 2024
01:00:58 - Top Tech skill you should learn in 2024…!
01:02:56 - Average salary for someone with an AWS qualification
01:04:06 - How can we close the gender gap in Tech!
01:07:56 - 3 insights that helped me to increase my income!
01:11:26 - I wish I knew these 3 things at the start of my career!
01:12:48 - Tech webinar to transition from a non-tech career to a tech career
01:14:01 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
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DISCLAIMER: Past performance is not a reliable indicator of future results. The value of investments and the income therefrom may go down as well as up and investors may not get back the original amount invested. You are not guaranteed to make money from your investments and you may lose money.
Joining us in the booth this week is Jacques Opoku who is a investment management professional with 10 years experience in asset management industry.
In this episode we discuss:
- Why investing in the stock market is non-negotiable
- The benefits of investing and the pitfalls
- Why we're not designed to be good investors and how you can improve your mindset
- The importance of taking part in the growth of the world economy
- How you can build wealth tax free through investing
- Should everyone invest in index funds?
- The mistakes people make with index funds
- What the 5 wealthiest people in the world have in common
- Rules every investor should abide by
- The simple way for you to start investing today and much more!
Connect with Jacques on Instagram here - https://www.instagram.com/jaxfinancial_uk
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is TJ Atkinson a Property Investor and Property/Finance Coach.
In this episode we discuss:
- The importance of understanding why you're pursuing wealth
- How his drive to become a millionaire started from school
- How he started his rent to rent business & why it shut down
- How he and his friends bought 30+ properties
- The London Property market being broken
- Why Landlords aren't the villains
- The power of leverage to build wealth
- Why buy to let isn't a great property strategy for Gen-Z and Millennials
- Why you shouldn't sacrifice your youth for a small profit
- A good property strategy for Gen-Z and Millennials and much more!
Connect with TJ on Instagram - https://www.instagram.com/tjalife
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:19 - Intro
10:54 - Meet Property Investor, Property & Finance Coach Tj Atkinson
04:21 - I went to 6/7 different schools…!
07:31 - Going to school in West London and leaving the UK
09:04 - Making a pact at school helped me to achieve financial success!
12:07 - My drive to become a millionaire came from…!
15:11 - Lessons learnt from my parents
21:19 - My first business was a recruitment company and this happened…!
25:34 - I got into property by accident…!
27:35 - The bank is holding £400,000 of my money!
31:08 - My biggest regret & starting my own rent to rent business…!
35:05 - This is why my rent to rent business failed..!
40:17 - How my friends and I bought 35 properties between us!
44:20 - The Buy to let property strategy isn’t for building wealth!
49:47 - Mistakes I’ve made buying property
50:56 - Wealth is created through debt
53:23 - The current property market hasn’t impacted me…!
57:31 - The London property market is broken..!
01:02:17 - A way to help first time buyers
01:04:24 - Private landlords support 50% of rental market
01:07:51 - Buy to let isn’t a good strategy for Gen Z & Millennials
01:14:47 - This is the property strategy Gen Z & Millennials should go for
01:18:08 - You’re not motivating anyone making £200 per month
01:18:59 - TJ’s upcoming book: “What the rich teach their kids about money”
01:24:19 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Natalie Scott a money mindset expert and certified money coach.
In this episode we discuss:
- Why Natalie left fashion to become a money coach
- How your money mindset is formed
- Examples of good and bad money habits
- How to change your money habits
- Why you should be open about money with friends and family
- Some of the 8 money archetypes
- How you can change your money archetype
- The power of saying no
- 2 lessons about money mindset you should know and much more!
Connect with Natalie on her Website: https://www.nataliescottempowers.com
Connect with Natalie on her Instagram: https://www.instagram.com/nataliescottempowers
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:18 - Intro
01:54 - Meet Money Mindset Expert Natalie Scott
05:56 - This is where my confidence comes from…!
07:29 - How I got into the fashion industry..!
12:26 - Why I became a certified money coach
16:03 -This is what I do as a certified money coach…!
18:22 - Dealing with burnout and Business lovebombing…!
20:50 - I had this mindset when it came to money…!
23:23 - Being an extreme saver isn’t healthy..!
25:56 - How to find out your money foundational habits…!
26:34 - It’s easier to change your habits if you do this…!
31:10 - Talk to people about your finances
32:19 - We attach our earnings to our worth…!
33:37 - Be honest with your friends about your situation
39:26 - Examples of bad money habits
42:01 - The 8 money archetypes!
48:03 - Can you change your money archetype?
49:44 - Examples of good money habits
53:50 - How is your mindset around money formed
56:12 - The importance of group economics
59:59 - Work smarter not harder!
01:05:33 - The power of saying no!
01:07:10 - 2 lessons about money mindset you should know
01:09:23 - This is how you can work on your money mindset
01:12:19 Final words
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The podcast will be on a short break and will return on the 3rd June.
Enjoy the bank holiday weekend!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Kennie Bukky, a career expert, content creator, entrepreneur and former compliance manager.
In this episode we discuss
The power or mentorship and a supportive community
How you can earn a £100k+ income with a high income skill
The top high income Non-Tech and Tech roles
How you can achieve financial freedom by utilising your high income skill
Balancing saving for your future vs enjoying your present life
The importance of defining your career goals
The importance of designing the life you want
How to stand out in a competitive job market
Tips to excel in your career
Why you don’t need 7 streams of income and much more!
*NOTE: Current state pension age: 66. To rise to age 67 between 2026 and 2028. Government will review rise to age 68 in future.
Connect with Kennie on Instagram: https://www.instagram.com/kenniebukky
Connect with Kennie on TikTok: https://www.tiktok.com/@kenniebukky
Check out Kennie's career platform: https://www.instagram.com/thepivotplace_
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
Timestamps
00:00 - Preview
01:13 - Intro
01:49 - Meet Career Expert Kennie Bukky
03:28 - Growing up in Nigeria
04:40 - Moving from Nigeria to the UK…I struggled to fit in
07:04 - From failing first year in Uni to a 1st class degree!
11:46 - Mentorship helped me get my first role in finance!
15:52 - Where you are right now isn’t the final destination, you can improve!
17:11 - Earning six figures by 26…this is how I did it..!
21:14 - How I negotiate my salaries
22:16 - You have to be willing to walk away from negotations…!
23:18 - Why I decided to contract…!
25:27 - This is how you get your next contract..!
28:23 - The benefits of contracting…! (Day rates of £400/£500!)
30:37 - I didn’t just make more money, I was smarter with it…!
34:00 - Tips to help you save money
37:19 - How a high income skill can change your life…!
42:33 - High income Non-Tech roles
46:06 - High income Tech roles
51:23 - I’m not interested in climbing the career ladder..!
56:31 - You don’t need 7 streams of income…!
01:02:13 - How to stand out and land your next role
01:08:10 - If I started my career today, I’d do this…!
01:12:52 - 1-1 Mentoring, Career Community and Business Analyst & Scrum Master Bootcamps
01:17:04 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Norma Cassius who is a Psychotherapist & Money Management Consultant with over 20 years experience in banking and 17 years as a Qualified Psychotherapist. As part of mental health week we wanted to shed a light on the link between money and mental health and what you can do to reduce stress and anxiety when it comes to money.
In this episode we discuss:
The Psychology of Money
Why people stress bout Money & how to combat it
The impact of Debt & Spending on Mental Health
Organisations that help with Debt
The importance of a Budget
Two parts of the brain that influences Spending
How to think like a Bank!
Steps you can take today to Build Wealth
How to be positive in the Cost of Living Crisis and more!
Connect with Norma on her website: https://www.normacassius.com
Connect with Norma on Instagram: https://www.instagram.com/think.like.a.bank
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
Timestamps
00:00 - Preview
01:13 - Intro
01:49 - Meet Psychotherapist & Money Management Consultant Norma
03:54 - Lessons learnt from my parents
07:32 - Growing up in Bow, London!
12:04 - This is how I started my career in a bank
14:16 - Surviving domestic violence & economic abuse
16:42 - My job as a psychotherapist
18:01 - This is how people cope with money struggles
20:00 - Easier to swipe a card than part with cash!
21:34 - Why do people stress about money?
22:50 - The Psychology Of Money…!
25:17 - A lot of my clients feel like they need a 2nd job…!
28:39 - How not to be stressed about money…!
30:54 - Reasons why people get into debt…!
36:39 - Impact of debt on your mental health…!
39:03 - Is being in debt really that bad?!
40:52 - How to be comfortable with debt & How to get out of debt…!
45:27 - Organisations that help you with debt…!
47:11 - What’s your relationship with money…!
49:49 - There are two parts of the brain that influences spending…!
52:45 - Budgeting is like driving a car without…!
57:38 - How to not feel bad spending your money…!
58:47 - How to think like a Bank!
01:01:32 - How I Paid Off My Mortgage In 10 years…!
01:02:51 - Buying a property in Miami..!
01:04:42 - Steps you can take today to build wealth… !
01:06:33 - How to be positive in the cost of living crisis…!
01:08:27 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Ella who is a Money Expert & Insurance broker.
In this episode we discuss
Good credit conduct vs bad credit conduct
The pro’s of good credit and the con’s of bad credit
Common ways people default on their credit accounts
How to check your credit score for FREE
How to avoid paying lenders interest
Leveraging credit for your benefit & to make money
Tips to stay disciplined when using credit cards
Consequences of missing payments, defaults, CCJ’s
How to get rid of a CCJ
3 ways to improve your credit score/report an much more!
Connect with Ella on Instagram here: https://www.instagram.com/ellaensures
Connect with Ella through her website here: https://ellaensures.co.uk
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
Timestamps
00:00 - Preview
01:15 - Intro
01:51 - Meet Monet Expert & Insurance Advisor Ella
03:53 - What is credit?
06:18 - What’s the difference between your credit score and credit report?
07:41 - Good credit conduct vs bad credit conduct
09:12 - Many people get defaults this way!
11:38 - How many credit reports/scores do you have?
14:47 - This legal reason this info stays on your credit report for 6 years!
18:09 - I wouldn’t recommend getting things on bad credit..!
20:00 - Pro’s of having good credit conduct
25:41 - Applying for credit impacting your credit report ?!
30:23 - What to do when you’re declined for credit?
31:27 - How to check your credit score for FREE!
32:51 - How to make money using credit
35:51 - How to use Credit cards for your benefit!
39:00 - How to avoid giving the banks interest!
41:41 - Who shouldn’t get a credit card!
44:05 - Tips to stay disciplined when you take out credit (mortgages, car finance, loans etc)
46:19 - Consequences of missing payments on credit you’ve taken out
47:46 - How to get rid of a CCJ
51:52 - People being scared to get credit…!
53:09 - 3 ways to improve your credit score & credit conduct
54:29 - Only 38% of adults have life insurance! 35% of that 38% are Women!
59:43 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Dominic, a career expert and commercial contract manager.
In this episode we discuss:
Why Dominic turned down a training contract from a legal firm
How 9-5ers can increase their income to £100k+ with their existing skills
The importance of analysing what you want from your career
How you can build wealth into the millions with your 9-5
Why you should and shouldn't pursue a contract role
How Dominic has been contracting for 5 years even in a tough market
Top Skills & industries that command a high income
Why you shouldn't start a random side hustle but instead utilise your existing skills
The importance of building a network in your career and much more
Connect with Dom on Instagram here - https://www.instagram.com/soambitiousdom
Connect with Dom on TikTok here - https://www.tiktok.com/@soambitiousdomm
Check out Dom's newsletter the Career Guard here - https://thecareerguard.com/subscribe
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
Timestamps
00:00 - Preview
01:09 - Intro
01:44 - Meet Career expert & contract manager Dom
03:27 - Growing up in Jamaica
06:13 - I turned down a lawyer job for this!
10:53 - Is job title more important or money?
15:46 - How I got into contracting..It changed my life!
19:10 - Some contractors are making £700/£800 per day..!
20:41 - Contracting for 5 years straight! This is my honest opinion!
25:15 - If you’re a contractor, you’re’ a business owner!
29:26 - Typical day rates with my skillset
31:59 - You miss out on these benefits if you contract!
34:35 - How I manage my money effectively
39:26 - You can become a millionaire with a 9-5!
44:55 - Why you shouldn’t do contracting?
48:05 - Contracting is more tax efficient
49:33 - Should everyone be a contractor?
52:58 - Don’t start a random side hustle. Stick to what you’re good at!
54:18 - Skills that generate a lot of income!
56:06 - If I were to go back in time, I would do this!
58:09 - Best industries for contracting
01:01:06 - How I managed to stay contracting in a tough market!
01:04:32 - Can you get a mortgage if you’re a contractor?
01:06:52 - The Career Guard!
01:08:11 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Hey all,
Ats here! After careful consideration I've decided to rebrand 'The Take Off Experience' to "The Savvy Wallet Podcast".
Aside from the name and artwork change, everything else will stay the same, We will still have the same authentic, relatable, inclusive conversations with great people! The Savvy Wallet podcast will begin with EP. 120 and will be published tomorrow at 8am GMT!
Thanks for all your support! It's so appreciated!
Ats
Support this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us back in the booth is life & health insurance expert, Emmanuel Jones aka Ejay.
In this episode we discuss:
The key benefits of health insurance, income protection & critical illness cover
The importance of checking benefits you get with your employer
Should you get health/critical illness insurance if you have it through work?
Health insurance vs critical illness cover vs income protection
Typical costs for health insurance & critical illness cover
Insurance companies really wanting to pay out money to you
The most importance insurance to protect yourself
The importance of financial literacy at schools
What is life insurance in a trust and why you would do this and much more!
Connect with Ejay on Instagram here -https://www.instagram.com/ejay_diamond1
Connect with Ejay on TikTok here -https://www.tiktok.com/@moneysavingdad
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:20 - Intro
01:55 - Meet Life & Health Insurance expert Ejay
06:37 - If your employer is giving you health insurance take it!
09:13 - Going private vs going to the NHS
14:24 - Car insurance vs health insurance
15:02 - Two types of health insurance…!
18:19 - If you only have one income, listen to this!
21:40 - What’s the difference between health & critical illness insurance ?
25:54 - Should you get health/critical illness insurance, if your employer provides it?
30:20 - If you can’t work what happens to your business?
33:21 - What’s the typical cost of health insurance per month?
36:33 - What is income protection?
43:34 - What’s the typical cost of income protection per month?
46:01 - Income protection vs critical illness cover?
47:50 - Insurance companies want to pay you out!
51:21 - What is life insurance?
53:02 - The state pension is a legal ponzi scheme?
58:06 - What is whole of life insurance?
01:01:05 - What is Life insurance in a trust?
01:04:51 - Financial literacy taught at private primary school!
01:07:31 - What insurance is the most important to get?
01:10:11 - Some providers will penalise you if you have same family conditions
01:13:44 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
This episode is sponsored by Unbiased a platform that connects you easily and quickly with over 27,000 FCA regulated financial advisors, accountants and mortgage brokers.
Connect with a financial advisor for FREE by visiting Unbiased here: https://www.unbiased.co.uk/savvywallet
Joining us in the booth this week is Zee who is a chartered accountant and EX-KPMG auditor.
In this episode we discuss:
- How Zee became an accountant accidentally
- Why accounting is the plumbing of a business
- Why people on £60,000 are struggling!
- Tips to weather the cost of living crisis
- Why it’s important to engage with your local government
- Possible solutions to the cost of living crisis
- How the wealthy pay less tax!
- What are our taxes used for?
- Is our tax money being used efficiently ?
- How to save taxes with your 9-5?
- The pro’s and con’s of capitalism and much more
Connect with Zee on Instagram here - https://www.instagram.com/thereluctantaccountant
Connect with Zee on TikTok here -https://www.tiktok.com/@thereluctantaccountant
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:13 - Intro
01:48 - Meet Accountant Zee
07:01 - Language is key to getting business done
09:15 - What I learnt from growing up in South London
13:33 - How I became an Accountant (by accident!)
19:33 - Confidence opens doors!
20:28 - Accounting is the plumbing of your business!
22:04 - Don’t take a loan to pay your staff’s wages…!
23:54 - A business can be profitable but go under?!
25:51- This business was taking out loans and saying it was income!
27:38 - Unbiased Ad
28:26 - Why are people on £60,000 struggling?!
33:30 - Is there a way to protect yourself against a financial crisis?
34:43 - Pay lowest interest debt first?
36:25 - Tips to weather the cost of living crisis
37:17 - We should have more empathy for our peers
38:06 - Possible solutions to the cost of living crisis?
38:41 - Opting out from interacting with local government doesn’t serve you!
39:38 - The most revolutionary way to combat the cost of living crisis
44:41 - Knowing the value of things and not the price of things
45:38 - Economic depressions makes us do this…!
47:34 - £54 million spent on a bridge that doesn’t exist..!
49:41 - What is our taxes spent on?
50:45 - inflation causes people to pay more tax
51:34 - How the wealthy pay less taxes…!
57:12 - Is it possible to save taxes like the wealthy?
58:37 - If taxes were used efficiently. What would our lives look like?
01:02:42 - In France, they tell you what your tax is used for!
01:05:34 - Saving taxes with your 9-5
01:08:33 - Pro’s and cons of capitalism
01:17:08 - Final words!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
This episode is sponsored by Unbiased a platform that connects you easily and quickly with over 27,000 FCA regulated financial advisors, accountants and mortgage brokers.
Connect with a financial advisor for FREE by visiting Unbiased here: https://www.unbiased.co.uk/savvywallet
*NOTE: As of April 2024 the Full UK State Pension has increased to £11,502*
Joining us in the booth this week is Godfrey Asare, a FCA regulated financial advisor.
In this episode we discuss:
Why Godfrey decided to become a financial advisor
Money lessons that he learnt from himself
The difference between State pension, company pensions and private pensions
Is it worth getting a private pension if you have a company pension?
The tax benefits of having a pension as an employee and business owner
How much you can put into a pension before you lose tax benefits
Reasons why you shouldn’t solely rely on the state pension
How contributing to a pension can help you with child tax benefits
The minimum age you can get the state pension & your company/private pension
Thoughts on whether the state and private pension age may increase in the future and much more
Connect with Godfrey on Linkedin here
Connect with Godfrey through his website here
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:13 - Intro
01:48 - Meet Financial Advisor Godfrey Asare
02:59 - Growing up in Aylesbury Estate
05:17 - Playing semi-pro football!
08:57 - My Dad taught me about investing at 19!
12:23 - Money lessons I learnt from my Dad
14:49 - Different types of pensions!
17:02 -Maximise your employer pension!
17:54 -Why I setup a private pension pot
19:04 - Is everyone entitled to a state pension?
22:07 - State pension is becoming expensive for the government
27:35 - The amount you can put into a pension before you lose tax benefits!
29:21 - Pension carry forward!
32:55 - Unbiased Ad
33:42 - What ways can you contribute to a pension?
36:01 - Do this to qualify for child tax benefits!
39:35 - The benefits of a financial advisor
40:46 - If you have a company pension. Do you need a private pension?
43:57 - Contributing to a pension as a business owner
50:00 - You can take this amount from your pension tax free!
51:51 - When can you take money from your private pension?
54:23 - Balance your lifestyle needs now with your future needs!
56:17 - How much pension is needed for a £50,000 income?
58:30 - How much tax you potentially may pay on pension drawdowns!
01:01:48 - Pensions are not subject to this tax!
01:05:45 - The maximum amount of pension you can have
01:10:54 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Joseph Obeng, a qualified financial advisor with over 11 years in the financial services industry.
In this episode we discuss:
- Why making more money won't necessarily make you more wealthy!
- What true wealth is and steps to achieve it
- Why you need to 'design your life'
- Identifying your relationship with money
- The importance of good money allocation and tips to allocate your money better
- Good debt vs bad debt
- How to build wealth with your 9-5
- Money and non-money lessons Joseph learnt from his clients and much more
Follow Joseph on Instagram here
Get a copy of Joseph's book here
Follow me on: Instagram and Tiktok
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:02 - Intro
01:37 - Meet Joseph Obeng the Financial Advisor
06:12 - I’m not the typically financial advisor
07:46 - How I became a financial advisor
11:58 - More money doesn’t necessarily mean more freedom!
13:52 - People making BIG money have lifestyle inflation
15:00 - This is true financial freedom!
16:56 - People earning a lot but they’re broke!
19:26 - Why I started my own financial planning company
23:25 - Building blocks of financial planning. Your relationship with money!
26:18 - How to identify what your relationship with money is
28:05 - Misconception: Making more money won’t make you rich!
29:36 - This is true wealth!
29:59 - 80% of people had anxiety about money
31:22 - How to design the life you want!
34:59 - Understanding your current situation with your finances
39:14 - Tips to allocate your money better!
44:27 - Why do people get into debt?
46:24 - Good debt vs bad debt
47:58 - Is university bad debt?
49:31 - How to stop worrying about debt & how to tackle it!
52:52 - How to build wealth with your 9-5?
55:25 - Building wealth by being frugal?
58:38 - Money and non-money lessons from Joseph’s clients
01:02:35 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Sophia, who is a Medical Herbalist & qualified Endobiogenic Practitioner.
In this episode we discuss:
- What is herbal medicine?
- The differences between herbal medicine and traditional medicine?
- The pro's and cons of herbal medicine
- Why people are scared of herbal medicine
- How herbal medicine can help with stress and sleep
- Can herbal medicine actually cure you?
- The pillars of health
- What is Endobiogenic Medicine and much more!
Follow Sophia on Instagram here
Follow me on: Instagram and Tiktok
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:03 - Intro
01:38 - Meet Sophia the herbal doctor
05:27 - My faith led me to herbal medicine
09:49 - Herbal Medicine vs Traditional Medicine
11:33 - Is herbal medicine regulated?
15:41 - Running a herbal medicine practice
17:25 - Do Doctors refer to Herbal Doctors?
18:49 - What is herbal medicine?
20:32 - The benefits of Camomile
21:37 - Why are people scared of herbal medicine?
23:27 - Is herbal medicine witchcraft?
27:04 - Drawbacks of using herbal medicine
30:15 - How can herbal medicine help with Stress!
38:20 - Herbal medicine helping with sleep!
41:20 - The body is one big system
43:26 - Pillars of health
45:14 - What is Endobiogeny?
49:23 - Difference between an Endobiogeny blood test and a blood test
52:32 - Can herbal medicine actually cure you?
55:45 - How to navigate herbal medicine?
57:30 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Kazy, an experienced property developer and property investor with over 10 years experience in the property industry and Alfred Dzadey a property investor with a £4 million + property portfolio.
In this episode we discuss:
Is deal sourcing the best place to start in property?
Rent to rent doesn’t offer financial freedom!
Only the top 1% of rent to renters make real money?!
Only the top 1% are successful in raising money?!
Steps to investing into property
Property Flipping vs HMO investing
Spring Budget impact on property
Predictions for property in 2024 and much more!
Follow Kazy on Instagram here
Follow Alfred here
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on: Instagram and Tiktok
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:18 - Intro
01:53 - Meet Alfred Dzadey
02:37 - Meet Kazy
02:56 - Is deal sourcing the best place to start in property?
05:11 - DEBATE: Rent to rent doesn’t offer financial freedom!
09:48 - Only the top 1% of rent to renters make real money?!
12:21 - Steps to investing property
13:28 - Only the top 1% are successful in raising money?!
15:08 - DEBATE: Property Flipping is a BS Strategy!
21:23 - Since 2017 flat prices in London have gone up 3%
24:17 - Flipping is a more liquid asset than the HMO model
25:00 - Sold a property 10 years ago for £310,000, today it’s worth…
28:40 - You raising money is you working!
31:08 - One property strategy has recurring incomes, the other doesn’t!
35:43 - Is property flipping still viable in 2024?
36:42 - HMO portfolios have overvalued assets!
39:28 - Landlords favour professionals?!
42:54 - Spring Budget Change - Less tax in property
45:06 - Spring Budget Change - Multiple Dwellings
47:56 - Predictions for Property in 2024
52:21 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Adelle Thompson a HR & Recruitment expert with over 13 years experience in the industry.
In this episode we discuss:
- How Adelle transitioned from Teaching to Recruitment
- Steps to change careers
- Rules for answering what are your salary expectations!
- Does prior salary have an impact on future salary
- Things to avoid saying in a job interview…!
- Negotiating your salary, annual leave & more!
- What companies are looking for in your CV & Interviews
- How to get a pay rise within 6 months of a new role and more!
Follow Adelle on Instagram here
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:03 - Intro
01:35 - Meet HR Expert: Adelle
05:57 - Growing up in West London
09:56 - I feel into Teaching!
13:08 - In your career, stop worrying about this!
14:49 - How I got my first HR job with no qualifications and no experience
17:12 - It’s your job when you’re changing industry to connect the dots!
19:00 - It’s easier to move roles than an industry
21:23 - The rules for answering what are your salary expectations!
25:08 - Why companies don’t advertise the salary
28:31 - How to negotiate your salary, annual leave & more!
33:05 - Does prior salary have an impact on future salary?
35:59 - Do companies go for the cheapest candidates?
40:13 - Are you interviewing at the level of the money you’re asking for?
42:43 - Things to avoid saying in a job interview…!
45:00 - Should you ask questions at the end of your interview?
46:17 - I got a pay rise within the first 6 months
48:21 - What are companies looking for in your CV & Interviews!
52:46 - How to get a pay rise within 6 months of a new role!
57:15 - Is it possible to get a £10k - £15k pay rise within a company?
01:00:37 - Valid and not valid reasons for asking for a pay rise
01:04:08 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Crosby Enninful a chartered FCCA accountant with over 12 years experience and founder of Egbenn Accountancy Services which he has been running for 5 years.
In this episode we discuss:
- The importance of being strategic with your career
- Why you should value learning skills over money
- How Crosby went from £18,000 to over six figures
- 4 habits you need to adopt to help you build wealth
- Creating an automated system around your money
- How to not let your budget diminish your quality of life
- How to avoid lifestyle inflation
- The importance of passive income and the dangers if you don’t have one
- People being good at creating wealth but not preserving it and much more
Follow Crosby on Instagram here
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:00 - Intro
01:35 - Meet Crosby Enninful the Accountant
03:50 - Growing up in Essex
05:54 - When you’re younger you don’t really appreciate your parents
09:30 - Staring at £18,000 as an accountant trainee
13:15 - Saving is just as important as having good credit!
16:02 - If you want to earn more money you have to move around!
19:09 - Getting a £1k pay rise, felt like a slap in the face
20:15 - Job promotions are scams (sometimes!)
23:26 - It was just about earning more, it was about upskilling
25:41 - Did my expenses change even though I earn six figures?
27:02 - I don’t like money in my account that is not mine!
28:33 - Pro’s and cons of setting up your own accountancy firm/business
31:00 - The biggest surprises with business
32:42 - Your team is vital to creating a successful business
34:05 - 4 habits to build Wealth in 2024 and beyond
43:08 - Can budgeting help you build Wealth?
46:17 - Budgeting can make you stingy…how to counter this!
49:26 - Reward yourself to where you are NOT what you have
54:29 - Millionaires and the myth of Seven Sources of Income
56:11 - The most surprising Income I’ve seen…!
59:08 - The importance of Passive Income & dangers if you don’t have one
01:03:01 - People good at creating Wealth but not preserving Wealth!
01:08:23 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Joining us in the booth this week is Kazy, an experienced property developer and property investor with over 10 years experience in the property industry.
In this episode we discuss:
The importance of balance in your life
The impact of chasing success
Doing business in Dubai with companies like Coach and Sephora
Rental market in London being strong
Buying 4 properties from auction in Feb
How long a typical property flip takes
Best property strategies for 2024
3 Legal changes that have money making potential with property and much more
Follow Kazy on Instagram here
Learn AI, Cybersecurity, Data Science & more with Coursera. Ato has personally used Coursera to obtain an AI certificate. This is an affiliate link so if you purchase a course or sign up to the monthly or annual subscription, we will receive a small commission from Coursera, however there will be no additional charge to you.
Learn on Coursera here: https://imp.i384100.net/savvywallet
Follow me on:
Instagram - https://www.instagram.com/savvywallet
Tiktok - https://www.tiktok.com/@savvywallet
Check out: https://www.youtube.com/savvywallet for the video version
TIMESTAMPS
00:00 - Preview
01:09 - Intro
01:44 - I bidded for 5/6 properties at auction and won none!
03:29 - Meet Property By Kazy
04:50 Doing business in Dubai, working with Sephora and Coach
09:52 - More comfortable you are as you, the more successful you can be as you
11:54 - Success impact’s on family and close friends
14:07 - For me Money = freedom
17:16 - Does Kazy still do property flips in 2024?
18:53 - Tax changes had led to buy to let properties costing people money!
20:06 - The rent demand in London is crazy!
23:36 - Flipping property from £500,000 to £1.5 million
27:29 - Maida vale property can get me min £50k profit
29:29 - How long does a typical property flip take?
31:09 - Sometimes you have to accept you’re not as good as you think you are
33:38 - Interest rates hasn’t really affected property flips
37:06 - The Louis Vuitton of Property
38:30 - What is a bridging loan?
39:34 - Best property strategies for 2024
43:19 - 3 Legal changes that have money making potential with property
48:46 - The property by Kazy community
51:36 - My members success. One member made six figures on their first deal
57:30 - Property by Kazy community open till the 28th Feb (possibly)
58:14 - Property by Kazy Youtube Channel
59:43 - Converting a weed house into two luxury houses
01:01:49 - Finals words
Learn more about your ad choices. Visit megaphone.fm/adchoices - もっと表示する
