Honest Money
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Your personal guide to financial freedom, hosted by the bestselling author and award-winning financial planner, Warren Ingram.
280 Episodes
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In this episode, Warren Ingram and Pieter De Villiers discuss the critical topic of debt, particularly for young adults in their 20s and 30s. They explore the different types of debt, emphasizing the importance of understanding good debt versus bad debt, and the societal pressures that often lead to poor financial decisions. They cover practical advice on managing car loans, the dangers of emotional spending, and the necessity of making informed financial choices. Takeaways Debt can derail ...
In this episode, Warren Ingram and Pieter de Villiers discuss essential financial principles for young adults aged 20 to 30. They cover topics such as managing your first paycheck, the importance of budgeting, avoiding debt, and the impact of lifestyle inflation. The conversation speaks to the significance of making informed financial decisions early in life to set the foundation for future wealth and well-being. Takeaways Your first paycheck is a blank canvas for financial decisions.Avoid ac...
In this final episode of the investment series, Warren Ingram and Pieter de Villiers discus the importance of personalized investment strategies across different life stages. The conversation covers practical case studies for individuals aged 20-35, 35-50, and 50-65, emphasizing the need for budgeting, emergency funds, and retirement planning. They highlight the significance of living below one's means, the impact of lifestyle choices on financial health, and the necessity of adapting investm...
In this episode, Warren Ingram and Pieter de Villiers discuss discretionary investments, focusing on their flexibility and tax implications. They explore the concept of endowments as a hybrid investment option that combines features of retirement annuities and discretionary funds. The conversation delves into the tax benefits of endowments, particularly for high-income earners, and the strategic use of these investments for long-term financial planning. Takeaways Discretionary investments o...
In this episode, Warren Ingram and Pieter de Villiers discusses tax-free savings accounts, highlighting their importance as investment vehicles rather than mere savings accounts. They speak to the mechanics of how these accounts work, the benefits of early contributions, especially for children, and the necessity of educating the next generation about financial responsibility. The conversation also addresses common misconceptions about tax-free accounts, strategies for maximizing contribution...
In this episode, Warren Ingram and Pieter de Villiers discuss the importance of understanding various investment vehicles, particularly retirement funds. They emphasize the significance of tax efficiency, the different types of retirement funds available, and the necessity of planning for the future. The conversation highlights the benefits of retirement funds, including tax-free growth and protection from creditors, while also addressing common misconceptions and the importance of making inf...
In this episode of Honest Money, Warren Ingram and Pieter de Villiers dive into the complexities of financial advisory fees, exploring the evolution of the financial planning industry, the importance of transparency in client-advisor relationships, and the value of investing in financial education. They discuss various fee structures, including commission-based models and subscription services, while emphasizing the need for clients to understand what they are paying for and the value they re...
In this weeks episode, Warren Ingram and Pieter de Villiers explore the financial planning journey, when to manage your own money, when to work with a financial advisor, and how to know when it’s time to move on from an advisor who no longer serves your best interests. Key takeaways: The pros and cons of DIY investing vs. hiring a financial advisorSigns it’s time to consult a financial plannerWhen it’s better to fire your financial advisorWhy education, transparency, and respect matter in fin...
In this episode Warren Ingram and Pieter de Villers discuss the critical aspects of estate planning, particularly focusing on marriage contracts and their implications on financial planning. They explore the importance of understanding different types of marriage contracts, including those with and without accrual, and the community of property system. The conversation emphasizes the need for couples to have open discussions about their financial futures and the potential impacts of marriage ...
In today's episode Warren Ingram & Pieter de Villiers speak to the intricacies of trusts, exploring their significance in estate planning and wealth preservation, discussing the different types of trusts, including living and testamentary trusts, and the importance of asset management within these structures. They also highlight the tax implications and costs associated with setting up and maintaining trusts, as well as the role of trustees. Takeaways Trusts serve as a foundation fo...
In this episode, Warren Ingram and Pieter de Villiers discuss the complexities and costs associated with estate planning, understanding the importance of forward planning to minimize financial burdens on loved ones after death. They explore various strategies for efficient estate planning, including the role of retirement funds, the benefits of donations, and the implications of offshore assets. Takeaways Understanding the costs involved in estate planning is crucial.Estate duty can s...
In today's episode, Warren Ingram and Pieter de Villiers discuss the critical importance of estate planning, focusing on Wills. Regardless of age or wealth, everyone needs a Will to ensure their wishes are honored after death. The conversation covers the consequences of not having a Will, the process of setting one up, appointing executors and guardians, and the necessity of reviewing and updating Wills regularly. They also touch on the complexities of foreign Wills for assets held outs...
In this episode Warren Ingram invites Chris Rule, Head of Products and Client Solutions at CoreShares 10X, to discuss the evolving themes in the asset management industry, particularly focusing on the concept of investment solutions. They explore the distinction between genuine investment solutions and marketing jargon, the importance of goal-oriented investing, and the differences between alpha and beta investments. Takeaways Investment themes evolve over time, some fade while others...
In this episode, Warren Ingram and Pieter de Villiers delve into the complexities of investment fees, discussing various types of fees including investment management fees, platform fees, and advisor fees. They speak to the importance of understanding these fees and their impact on long-term investment returns. The conversation also highlights the need for transparency in fee structures and the value that financial advisors can provide beyond just managing investments. Takeaways Under...
In this episode, Warren Ingram and Pieter de Villiers discuss the critical concept of diversification in investing. They explore its benefits, the risks of over-diversification, and strategies for effective asset allocation. They touch on the importance of balancing index and active management, simplifying investment strategies, and embracing uncertainty as a key component of successful investing. Takeaways Diversification is essential for long-term investment success.Over-diversification c...
In this episode Warren Ingram and Pieter de Villiers delve into the concept of investment risk, exploring various types of risks that investors face, including volatility and inflation risk. They speak through the importance of understanding personal inflation rates and how they can impact financial goals, the significance of having a well-structured investment strategy and the opportunity costs associated with market timing and the necessity of staying invested to capitalize on market recove...
In this episode, Warren Ingram and Pieter de Villiers discuss the challenges and strategies associated with achieving financial freedom, particularly during market downturns. Talking through the psychological aspects of investing, the importance of planning for withdrawals during retirement, and the need to find purpose and income post-retirement. Takeaways Achieving financial freedom can be daunting during market downturns.Panic selling is one of the worst mistakes investors can make.Unders...
In this episode of Honest Money, Warren Ingram and Pieter de Villiers discuss the concept of financial freedom and how to calculate your financial freedom number. They touch on the importance of understanding personal lifestyle costs, the 4% rule for sustainable withdrawals, and the need for flexibility in financial planning. The conversation also touches on the balance between enjoying life now and saving for the future, as well as the significance of tracking progress towards financial goal...
In this episode Warren Ingram and Pieter de Villiers discuss the critical aspects of insurance, focusing on disability insurance and life assurance. They emphasize the importance of protecting one's ability to earn an income and ensuring financial security for loved ones in the event of death. The conversation covers the complexities of insurance products, the significance of underwriting, and the need for regular evaluations of insurance needs as life circumstances change. Takeaways Yo...
In this episode Warren Ingram and Pieter de Villiers discuss the critical role of insurance in financial planning. They explore various types of insurance, including short-term and long-term options, and emphasize the importance of health insurance and medical aid. The conversation also covers strategies for reducing insurance costs and the need for comprehensive coverage as life circumstances change. Takeaways Insurance is essential for financial security.Understanding the risks you fa...
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