The Savvy Wallet Podcast (Formerly The Take Off Experience Podcast)

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

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 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 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 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 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 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 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 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 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 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 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 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 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 Follow me on: Instagram and Tiktok Check out: https://www.youtube.com/savvywallet for the video version 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 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 Follow me on: Instagram and Tiktok Check out: https://www.youtube.com/savvywallet for the video version 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 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 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Joining us in the booth this week is Benedicta Egbeme, who is a CIMA Qualified Accountant, Management Consultant and Business Finance Coach. In this episode we discuss: - The income tax allowance - How much you get taxed and at what salary - The UK Tax system incentivising business owners - Government getting rid of the dividend allowance - How employees can reduce their tax liabilities - The impact of the income tax allowance being frozen till 2028 - What to do once you've received your tax code - HMRC targeting people with side hustles and much more Follow Benedicta 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 Learn more about your ad choices. Visit megaphone.fm/adchoices