The Savvy Wallet Podcast

In this episode, Ato speaks with Hayley Mulenda Record. She’s a best selling author, a multi-award winning international speaker, and someone who’s spent years helping people understand confidence, identity, and the inner voice that shapes how we show up in our lives and careers. We discuss: - Hayley breaking free from limitations she saw in her area - How to build a wealthy identity - Why so many people stay underpaid - Shutting down your negative inner voice - The self talk and identity that helped her make seven figures - The importance of personal branding and much more 🔗 Connect with Hayley: Linkedin: https://www.linkedin.com/in/hayleymulenda/ Instagram: https://www.instagram.com/hayleymulenda/ 📚Grab Hayley's book "Speak Up": https://amzn.to/4ch73A5 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors Saily Download SAILY in your app store and use our code savvywallet at checkout to get an exclusive 15% off your first purchase! For further details go to https://saily.com/savvywallet Xero - All-in-one accounting software for small businesses. Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Mark Preskett, Senior Portfolio Manager from Morningstar. Mark spends his time looking at what’s really going on in global markets, cutting through the noise to help investors understand where risks and opportunities are actually building. We discuss: - What taught Mark the value of resilience - How AI is more than about chatbots - Wealth leaving the united states to other regions across the world - The 4 unloved investments everyone is overlooking - Why the UK has been unvloved for so long - Simplest principle to start investing and much more 🔗 Connect with Mark: Linkedin: https://www.linkedin.com/in/mark-preskett-cfa-577b3113/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors Saily Download SAILY in your app store and use our code savvywallet at checkout to get an exclusive 15% off your first purchase! For further details go to https://saily.com/savvywallet Xero - All-in-one accounting software for small businesses. Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Hannah Awonuga — a global career and leadership expert, former partner with over 20 years in banking, and now the founder helping organisations build truly inclusive, high-performing cultures. We discuss: - Hannah’s unconventional journey of getting into banking at 16 - What it really takes to get into senior leadership - How she navigated corporate politics as a Black Woman - Why you need to be the CEO of your career - How you can break into six figure salary bracket - How to stop shrinking yourself - Make yourself indispensable in the AI era and more 🔗 Connect with Hannah: Linkedin: https://www.linkedin.com/in/hannahawonuga/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors Xero - All-in-one accounting software for small businesses. Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with James Butterfill is the Head of Research at CoinShares, Europe’s largest digital asset investment firm managing nearly $10 billion in assets. With over 25 years in finance including time at Coutts, James has managed portfolios for ultra-high-net-worth clients and now leads data-driven research on Bitcoin, Ethereum, and the wider digital asset market. We discuss: - The issues with the current financial system - The asset people use to diversify outside of the financial system - Why this one particular asset is rivalling gold as a store of value - Why new financial ideas are often dismissed before they’re understood - What could go wrong with digital assets and much more 🔗 Connect with James: Linkedin: https://www.linkedin.com/in/jamesbutterfill/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors Xero - All-in-one accounting software for small businesses. Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Cryptocurrency is a high-risk investment and prices can be highly volatile, so always do your own research and consider seeking independent advice before investing. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Lindsay James an Investment Strategist from Quilter Investors. Her work focuses on helping people understand what really drives wealth over time and how to make confident, long-term financial decisions in a fast-changing world. We discuss: - Where the most new wealth will be created - Biggest changes in the world you need to pay attention to - The risks with Global Index Funds no one is talking about - How to diversify beyond Global Index Funds - Why a wealth divide in the US will continue to grow - The simple way to start investing and much more 🔗 Connect with Lindsay: Linkedin: https://www.linkedin.com/in/lindsay-james-investmentstrategist/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors Xero - All-in-one accounting software for small businesses. Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Aisha Adedeji a Private Banking and Wealth Management specialist with a decade of experience working across the UK, Nigeria, South Africa, and the UAE. She has managed millions for high net worth and ultra high net worth clients, advising them on wealth creation, preservation, and cross-border financial strategy. We discuss: - Why she left the UK for Nigeria - Principles from the ultra rich in Nigeria - Biggest lies about money that stop people building wealth - How wealthy Africans build their wealth - Wealth building opportunities in Nigeria & Africa - Your wealth plan for 2026 and much more 🔗 Connect with Aisha: Linkedin: https://www.linkedin.com/in/aisha-adedeji 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors Xero - All-in-one accounting software for small businesses. Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Jumoke — an investor, wealth educator, and former investment banker at a top-tier global bank. After nearly two decades working with high-net-worth clients, she built her own path to financial freedom in her 30s We discuss: - What led Jumoke to pursue financial freedom - The steps Jumoke took to retire in her 30's - How to make £1,000 month passively - 6 types of investments to replace your salary - What should would do differently on her financial freedom journey and much more 🔗 Connect with Jumoke: Youtube: https://www.youtube.com/@JumokeMi 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Partners Xero - All-in-one accounting software for small businesses. Get 90% off for 6 months: https://xero.com/savvywallet Terms & Conditions apply. 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we have Ayo Noble, who is a financial protection specialist who teaches people how to build, protect, and pass on generational wealth. In this episode we discuss: - Most simplest way to secure wealth for you and your family - Why money is game and how to play the game better - Why parents shouldn't charge their children rent - The truth about generational wealth no one talks about - The Rockefellers secret to passing down wealth and much more 🔗 Connect with Ayo: Instagram: https://www.instagram.com/ayonoble_/ Youtube:https://www.youtube.com/@insightwithayo 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we have Benedicta, who is a CIMA Qualified Accountant with over 13 years experience working in Government Finance, she’s a Finance Management Consultant, Public speaker and the founder of Beniratio Finances. In this episode we discuss: - It feeling like the UK is pulling the ladder on wealth building - Impact of the income tax/Personal allowance being frozen - Cash ISA's going down to £12,000 - How to navigate 2% increases on dividends, savings interest and rental profit - The hidden consequences of the UK Budget 2025 - Should you take a 'super dividend'? - Whether the UK Budget 2025 worries Benedicta - What to do before and after the 5th April 2026 and much more 🔗 Connect with Benedicta: Website: https://beniratiofinances.com Instagram: https://www.instagram.com/beniratiofinances 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors Xero - All-in-one accounting software for small businesses. Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Lisa Conway-Hughes, a Chartered Financial Adviser, wealth expert, and author known for helping people simplify money and build financial confidence. With over 15 years’ experience advising clients at every income level, she specialises in pensions, long-term planning and turning small, practical decisions into meaningful wealth over time. We discuss: - How your money identity changes as you grow older - What is the power of 1% - Maximising your pensions in 2026 - 3 small recurring decisions that destroys your wealth - Pension mistakes to avoid - 12 one-percent habits to change your finances in 2026 and much more 🔗 Connect with Lisa Lisa's Linkedin: https://www.linkedin.com/in/lisaconway-hughes/ Youtube: https://www.youtube.com/@LCHWEALTH Lisa's Instagram: https://www.instagram.com/misslollymoney/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors Xero Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Per Wimmer a financier, entrepreneur, and adventurer. A former Executive Director at Goldman Sachs, he now runs investment businesses spanning aerospace, real estate, and wealth management. We discuss: - Per's most life changing adventures in - Why space will be the next wealth opportunity - His best and worst space investments - Lessons from working for Goldman Sachs - How to invest sensibly in the stock market and much more 🔗 Connect with Per: Linkedin: https://www.linkedin.com/in/perwimmer/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs apply. Xero Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Tayo Oguntonade, a property expert, financial commentator, and co-founder of BrickzWithTipz. He bought his first property at 21, built a multi-property portfolio, and now combines his experience as a former mortgage advisor with regular appearances on Channel 4, BBC, and beyond to make property and finance simple and accessible for a new generation. In this episode we discuss: - Tayo's journey to buying his first property at 21 - Why are landlords selling their properties - A new law that makes being a landlord in the UK more challenging - Is the UK facing a wealth drain? - A property strategy in a difficult market - How to buy property through a business - Steps for you to start your property journey today and much more! 🔗 Connect with Tayo: Instagram: https://www.instagram.com/brickzwithtipz/ Website: https://bwtestates.com/Tayo's Airbnb Webinar: https://lp.servicedaccommodationsuccess.com/masterclass 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs apply. Xero All-in-one accounting software for small businesses. Get 90% off for 6 months: xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Darren Johnson is the Global Chief Operating Officer at Impax Asset Management, a leading specialist in sustainable investing. Darren has also built a track record as an angel investor and business buyer. Having made more than 40 early-stage investments and acquired 2 businesses. In this episode we discuss: - Why you need an edge in everything that you do - Positioning yourself to earn more money - Darren's experience of angel investin - An alternative way to build wealth outside of buying houses or startups - How you can use the 4 C's to your advantage and much more 🔗 Connect with Darren: Linkedin: https://www.linkedin.com/in/darren-johnson-905a8b1a/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs apply. Xero Get 90% off of Xero for 6 months by visiting: xero.com/savvywallet Terms & Conditions apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Susannah Streeter is a leading financial commentator and global markets expert. Formerly Head of Money & Markets at Hargreaves Lansdown, she is known for translating complex economic and geopolitical trends into clear, actionable insights. We discuss: - The biggest wealth shifts across the world over the next 5-10 years - Why we may be in an AI bubble- How to start investing in the stock market - Tips to manage your emotions during a stock market crash - Why people are worried about central bank digital currencies and much more 🔗 Connect with Susannah: Linkedin: https://www.linkedin.com/in/susannah-streeter-05a82624/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. TIMESTAMPS 0:00 - Preview 1:06 - Intro 1:17 - Meet global markets experts Susannah Streeter 2:20 - The values and lessons that shaped me 5:50 - My biggest financial wake up call 10:33- How I became the head of money and markets at Hagreaves Lansdown 18:06 - XTB Ad - Free Rolls Royce Share 19:00 - This will be the biggest shift in global markets 21:46 - Why are we in such a fractured world? 25:01 - What regions will dominate wealth creation over the next decade 27:37 - Is cybersecurity a long-term investment opportunity? 30:03 - The scary reality of AI 36:29 - Why do investors like Europe over the US 37:13 - What is de-dollarisation? 42:16 - How can investors build a resilience portfolio 44:35 - S&P 500 VS Global Index Funds 48:13 - What mistakes do investors make? 50:00 - What I look for in my investments 55:19 - Where you should begin investing ? 1:00:42 - What asset will attract the most money? 1:06:42 - Lessons learnt from market crashes 1:11:00 - Look past the noise and start investing 1:12:21 - Why are people worried about Central Bank Digital Currency 1:16:37 - Bitcoin vs Ethereum 1:24:26 - Final words Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Dr Aaron Balick, a Psychotherapist with 20+ years in the industry and author of The Little Book of Calm, Ken Okoroafor, Co-Founder of award winning company “The Humble Penny”, he is a Financial Coach and best selling Author of the book “Financial Joy" and Emmanuel Jones, Wealth Protection Advisor. We discuss: - How money shaped their perspectives as men - Society's expectations are breaking men - Why men focus too much on getting rich quick - Why Men will rather suffer in silence than ask for help - Best approach to build wealth and much more 🔗 Connect with Ken: Website: https://thehumblepenny.com Youtube: https://www.youtube.com/thehumblepenny Linkedin: https://www.linkedin.com/in/ken-okoroafor/ Financial Joy Academy: https://financialjoyacademy.com Pre-order his book "The Wealth Habit" today - https://geni.us/TheWealthHabit 🔗 Connect with Dr Aaron: Website: https://www.aaronbalick.com/ Instagram: https://www.instagram.com/draaronb Linkedin: https://www.linkedin.com/in/draaronb/ 🔗 Connect with Emmanuel: Instagram: https://www.instagram.com/moneysavingparent/ Linkedin: https://www.linkedin.com/in/emmanuel-jones1188/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. Timestamps 0:00 - Preview 2:16 - Intro 2:41 - Meet Psychotherapist, Dr Aaron Balick 3:50 - Meet Protection Advisor, Emmanuel Jones 4:28 - Meet Money Expert, Ken Okoroafor 6:06 - How money shaped my perspective as a man 12:34 - First sense of responsibility as a man 14:26 - The definition of wealth has changed 17:57 - XTB Ad - Free Rolls Royce Share 18:51 - How does expectation put pressure on Men 21:08 - How does a man stick to his purpose 34:46 - Do Men focus too much on getting rich quick? 44:49 - The average salary is not enough, it adds pressure 50:52 - I know someone that needs to make 50k a month to survive 55:12 - How keeping up with the jones impacts your finances 1:00:21 - Suicide is one of the top killers of Men 1:04:21 - Men will never admit they’re in debt 1:07:47 - How to get men to open up about money problems 1:11:19 - Men don’t know how to express love for each other 1:13:33 - Opening up as a man without feeling weak 1:18:00 - Should men still carry all of the finances in a relationship 1:28:50 - How should a man’s worth be redefined 1:39:14 - What’s the best way to approach building wealth 1:49:36 - Final words Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Toby Osborne, Head of Wealth Management at The Royal Mint which offers people secure ways to buy, sell, and store precious metals like gold, silver, and platinum. We discuss: In this episode, Ato speaks with Toby Osborne, Head of Wealth Management at The Royal Mint which offers people secure ways to buy, sell, and store precious metals like gold, silver, and platinum. We discuss: - Why the Gold price has surged in 2025 - The main reasons people invest in Gold - The 4 different types of way to invest and buy Gold - Investing in Gold vs Silver vs Platinum - Does Bitcoin threaten Gold standing as an investment - Will AI have an impact on Gold and much more! 🔗 Connect with Toby: Linkedin: https://www.linkedin.com/in/toby-osborne-1607/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. TIMESTAMPS 0:00 - Preview 1:24 - Intro 1:35 - Meet Gold Expert Toby Osborne 3:33 - Why should people listen to this conversation 5:56 - Most shocking things I’ve seen people do with Gold 9:08 - How did the royal mint get into selling Gold? 12:59 - Why do people buy Gold? 15:40 - XTB Ad - Free Rolls Royce Share 16:34 - Why does Gold have value? 22:36 - How much does cultural traditions drive gold 27:36 - Why has the price of Gold surged this year? 31:05 - Did tariffs impact the price of Gold? 36:49 - Is the price of Gold overvalued? 41:21 - What are the different type of Gold investments 48:18 - What’s the most secure way of buying and storing physical Gold 53:09 - How do you buy Digi-Gold? 55:16 - How to get Gold ETF’s? 55:52 - Physical vs Digital Gold 59:28 - Main risks with Gold 1:01:14 - How the Royal Mint stores it’s Gold 1:05:49 - Silver vs Platinum vs Gold 1:08:52 - Does Bitcoin threaten Gold? 1:11:25 - What’s the future of Gold? 1:14:16 - Will AI have an impact on Gold 1:18:21 - Final words Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Jacques Opoku an investment professional with 11 years of experience in asset management, where he worked on institutional portfolios and gained a deep understanding of how money is managed at scale. We discuss: - Why not everyone needs to invest in index funds - The best investment you can make for yourself - Lessons we can learn from institutional investors - How to be in the 30% of people building wealth from the stock market - Investing themes to consider for the future and much more! 🔗 Connect with Jacques : Jacque's instagram: https://www.instagram.com/jaxfinancial_uk/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs apply. 🤝 Partners 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 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. TIMESTAMPS 0:00 - Preview 1:07 - Intro 1:18 - Meet Investment Professional Jacques Opoku 2:52 - Why I left Investment Management 5:59 - What I think my purpose is 8:38 - One belief about money I wish more people understood 12:20 - XTB Ad - Free Rolls Royce Share 13:14 - How people approach building wealth 18:53 - What is institutional investing?  20:28 - Institutional investors vs retail investors  21:34 - Main advantages Institutional investors have 24:11 - Advantages retail investors have over Institutional investors 27:47 - How University of Oxford built it’s wealth  28:34 - What is a GILT? 30:41 - Do institutional investors always get it right? 36:47 - The different styles of  institutional investors 40:32 - Should retail investors copy institutional investors 50:13 - More than 70% retail investors don’t make money 53:33 - How to be more patient with the stock market 1:01:51 - How to find out what investing strategy works for you? 1:04:38 - Why does active investing still exist? 1:11:49 - Not everyone needs to be Warren Buffett  1:14:39 - What themes would I include in my portfolio today 1:19:31 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Tsitsi Mutiti is an Investment Manager at Charles Stanley with over 13 years of experience in wealth management. She specialises in building and managing portfolios for high-net-worth clients, supporting them across investments, pensions, and trusts. We discuss: - Growing up in Zimbabwe and how it shaped her - How she got herself out of £50,000 debt - The importance of knowing your "why" when investing - How to stay calm during stock market downturns - What is dividend investing and how it helps to build wealth - How investing changes when you need to live off the money - The 3 stages of wealth and much more 🔗 Connect with Tsitsi : Tsitsi's Linkedin: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ 🤝 Sponsors Lightyear Use code SAVVY or go to https://lightyear.com/savvywallet to get up to £100 in a US fractional share in your GIA. Capital at risk. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. Valid for new users who complete onboarding and deposit at least £100. The reward can be withdrawn 6 months after it’s credited. 🤝 Partners Black Business Show - Grab FREE tickets to UK Black Business Show (On Sat) or Black Women Business Talks/Black Men Business Talks with the code "SAVVYFREE" Get tickets: https://www.ukblackbusinessweek.com/tickets/ Use code "UKBB15" for 15% off all other events throughout the week 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: ⁠⁠⁠⁠⁠⁠⁠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. TIMESTAMPS 0:00 - Preview 0:59 - Intro 1:10 - Meet Investment Manager, Tsitsi Mutiti 8:27 - How I got out of £50,000 debt  16:19 - My money lessons from growing up in Zimbabwe  20:58 - When I knew I could create wealth for myself  26:28 - Lightyear Ad 27:46 - Investing money with high net worth clients 31:49 - Pressure to invest other peoples money  34:50 - How I reassure my clients in stock market downturns 40:55 - What I’ve learnt from investing professionally 43:24 - What is a dividend portfolio  45:58 - Why is dividend helpful for financial freedom 49:13 - The importance of ISA’s 54:25 - The different ways to get dividends  58:01 - How to find out what the dividends you’ll get paid  1:01:00 - What helps people earn £1,000 a year from dividends  1:04:48 - The power of reinvesting dividends  1:07:01 - Exploring dividend approaches 1:08:08 - Common Pitfalls chasing dividend investments 1:11:22 - What can affect dividend investments 1:19:32 - How investing changes when you need the money 1:25:20 - Message if you want to build serious wealth 1:28:33 - Final words Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Bola Sol who is a financial adviser, media personality and author of the books 'How to Save It' and 'Your Money Life'. She's passionate about making money simple, accessible and empowering people to take control of their finances and build wealth. We discuss: - Money Lesson's Bola learnt from her family - What's FU Money and why you need it - Why saving your first £10,000 is so important - The best income streams to build now - Helping women in your life with their finances - Why women need their own financial independence - How to close the gender investment gap - First steps to investing and much more 🔗 Connect with Bola: Bola's instagram: https://www.instagram.com/bola_sol/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Partners Xero - All-in-one accounting software for small businesses. Get 90% off for 6 months: https://xero.com/savvywallet Black Business Show - Grab FREE tickets to UK Black Business Show (On Sat) or Black Women Business Talks/Black Men Business Talks with the code "SAVVYFREE" Get tickets: https://www.ukblackbusinessweek.com/tickets/ Use code "UKBB15" for 15% off all other events throughout the week 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: ⁠⁠⁠⁠⁠⁠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. TIMESTAMPS 0:00 - Preview 1:24 - Intro 1:35 - Meet Financial Advisor Bola Sol 5:28 - Money lessons from my family 8:59 - What inspired me to become a financial advisor  11:56 - 3 most surprising things I’ve seen as a financial advisor  16:53 - What inspired me to teach people about money 19:43 - Get your money up!  21:59 - How to make your first £1,000 26:42 - What’s FU Money?  30:55 - How to go from £1,000 to £10,000 33:03 - Is there a way to make £10,000 passively?  34:54 - Why is the first £10,000 so important 36:15 - The roadmap to go from £10,000 to financial independence  40:14 - How to figure out your financial independence goal? 43:37 - Why does everything change after £100k 46:10 - The best income streams to build now 54:30 - Non-negotiables for building wealth? 54:57 - Barriers that make it harder for women to make their first £10k  58:56 - Women’s reduced earning power 1:00:53 - How to help the women in your life with their finances 1:04:33 - My personal experience with salary conversations 1:07:46 - Advice to get paid your worth 1:10:43 - Why talking about money makes women uncomfortable 1:17:00 - Why’s it important for woman to have their own financial independence 1:21:24 - Why retirement planning is so important for Women 1:25:17 - Practical ways to close the gender investment gap  1:28:45 - First steps of investing 1:30:57 - Generational wealth breaks historical money disadvantages 1:33:06 - How I help women with their money 1:33:43 - Your Money Life 1:35:00 - Final words Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation. Learn more about your ad choices. Visit megaphone.fm/adchoices

Live at the Birmingham Black Business Show, Ato speaks with 3 Money Experts on how to double your net worth in the next 12 months. In this episode we discuss: - How to start a business from nothing (even if you’re broke) - The smart way to scale without wasting money on the wrong hires - Why “crisis” can actually be the best opportunity to build wealth - The money trap most new founders fall into (and how to avoid it) - The simple habit that turns £500 into a thriving business - Why passion and resilience matter more than capital when starting out - The overlooked secret to spotting million-pound opportunities 🔗 Connect with Mark Linkedin: https://www.linkedin.com/in/markdalgety 🔗 Connect with Kyomi:Instagram: https://www.instagram.com/theksclinic/ 🔗 Connect with Errol: Linkedin: https://www.linkedin.com/in/errol-drummond-5810869/ 🤝 Partners Black Business Show - Grab FREE tickets to UK Black Business Show (On Sat) or Black Women Business Talks/Black Men Business Talks with the code "SAVVYFREE" Get tickets: https://www.ukblackbusinessweek.com/tickets/ Use code "UKBB15" for 15% off all other events throughout the week 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: ⁠⁠⁠⁠⁠⁠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. Learn more about your ad choices. Visit megaphone.fm/adchoices