The Savvy Wallet Podcast

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

In this episode, Ato speaks with Norma Cassius who is a Money Management Consultant, Psychotherapist, Author, and Life Coach. With over 20 years in the financial sector and 17 years as a qualified psychotherapist, she bridges the worlds of money and mental health. We discuss: - Psychological methods to break through your wealth ceiling - How the brain reward system helps your finances - How to move from money stress to financial peace - Traps to avoid if you want true financial freedom - How hustle culture is making you poorer and much more 🔗 Connect with Norma: Norma's Instagram: https://www.instagram.com/think.like.a.bank Website: https://www.normacassius.com/ 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🤝 Partners Lightyear – Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: ⁠⁠⁠⁠⁠⁠https://lightyear.com/savvywallet⁠ or enter the code: "SAVVY" manually in the Promotions section. Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. 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 1:10 - Intro 1:21 - Meet Money Psychologist Norma 3:56 - My relationship with money  5:17 - The psychology of money 11:18 - Why people are scared to invest or take risk 16:55 - How the brain reward system can help your finances 22:42 - How to get through the motivation dip 24:19 - Ways people block themselves from earning more money 28:15 - How people sabotage themselves financially 31:23 - How to break your wealth ceiling 35:16 - People who have money but no financial peace 41:25 - How do financial struggles impact our health? 47:04 - How to move from money stress to financial peace 49:20 - Why financial freedom can be an illusion 54:51 - The downgrade fear & how it can impact you 1:02:15 - UK Black Business Show 1:03:34 - Traps to avoid if you want true financial freedom  1:06:47 - Debt is killing people’s wealth potential  1:07:45 - How to break free from debt?  1:09:28 - Is hustle culture making people poorer? 1:12:03 - How to build wealth without burning out? 1:13:24 - Investing in property in Miami  1:18:59 - Think and attract wealth 1:20:20 - Rewriting the rules on money and wealth 1:21:23 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Jerran Whyte is the Founder and Managing Director of Belvedere Wealth Management, an independent financial advisory firm helping clients to build, preserve, and pass on wealth. With over 15 years of experience in wealth management, he has guided entrepreneurs, professionals, and high-net-worth families through the complex realities of money, legacy, and financial freedom. We discuss: - Why he left the UK in his 20's to work in Germany - What inspired him to work in wealth management - The ingredients to build lasting wealth - Motivation for starting his financial advisory firm - The 4 key pillars of wealth - Passing down money & principles through generations - How to start investing and much more 🔗 Connect with Jerran: Linkedin: https://www.linkedin.com/in/jerranwhyte/ Belvedere's Linkedin: https://www.linkedin.com/company/belvederewm/ Belvedere's Instagram: https://www.instagram.com/belvederewm/ Belvedere's Website: https://www.belvederewm.com/ 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🤝 Partners Lightyear – Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: ⁠⁠⁠https://lightyear.com/savvywallet or enter the code: "SAVVY" manually in the Promotions section. Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. 📚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 1:14 - Intro 1:25 - Meet Managing Director - Jerran Whyte 7:31 - How I saw wealth in my own reality 9:47 - What inspired me to work in wealth management 13:06 - Why I left the UK in my 20’s 16:30 - My journey to financial advisory wasn’t easy! 20:11 - Lessons from 15 years of wealth management 23:30 - How do people lose wealth 26:18 - The Truths about money and wealth 28:50 - My thoughts on money before & after being in the industry 31:55 - Why I launched Belvedere Wealth Management 37:11 - Biggest challenges of setting up my own wealth advisory firm 40:25 - What sets Belvedere Wealth Management apart 48:35 - What are the 4 key pillars of wealth? 49:33 - 3 things I’ve seen in Nambia 52:23 - Biggest psychology barriers that stop people building wealth 56:42 - How does ego affect financial decisions 58:39 - Investments to build wealth 1:00:36 - How to start investing 1:04:41 - The risks of S&P 500 1:15:45 - How to think about diversifying your portfolio + crypto 1:23:08 - How do different families grow and protect wealth across the globe 1:25:21 - Passing down principles through generations 1:30:31 - 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 Nick Stapleton, who is a scam expert, award-winning investigative journalist and broadcaster, best known as the co-presenter of the BBC’s Scam Interceptors. He’s spent years exposing how scammers operate and helping people understand how to protect themselves from scams. Nick also hosts the Scam Clinic podcast and is the author of How to Beat Scammers, sharing insights from his frontline work fighting fraud. We discuss: - The impact of AI on scams - Why people fall for investment scams - How to recover your money from scams - The most devastating scams Nick has come across - The dark psychology behind romance scams - How to protect your passwords and online accounts from scammers - Why job scams are on the rise and much more 🔗 Connect with Nick: Instagram: https://www.instagram.com/staplenick/ 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🤝 Sponsors Lightyear – Grow your cash or build wealth on Lightyear’s simple-to-use platform. Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: ⁠⁠https://lightyear.com/savvywallet or enter the code: "SAVVY" manually in the Promotions section. Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. 🤝 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 1:22 - Intro 1:33 - Meet Scam Expert Nick Stapleton 4:13 - Scammers target 16-34 year olds 7:50 - Most devastating scam I know 13:19 - The impact of AI on scams 19:34 - Why aren’t social media companies stopping scams? 21:56 - Lightyear Ad 23:18 - How to spot a scam on social media 25:15 - What is a bank transfer scam? 28:49 - Psychology techniques of a romance scammer 34:21 - Many romance scammers operate here 36:39 - Many romance scammers target the UK & US 38:53 - The link between colonialism and scams 40:27 - Why are Romance scams so successful 43:13 - The most valuable thing in the scam community 44:55 - More than 40% of crime is scams and fraud 49:48 - How to get money back from scams 51:26 - Most devastating bank transfer scam 55:16 - What is phishing ? 58:01 - What is a recovery scams 58:50 - Common signs of phishing emails 1:03:33 - The devastating job scams 1:07:17 - Jobs scams on the rise 1:12:05 - How to protect your email addresses 1:13:50 - Why more phones are being stolen 1:15:58 - Why do people fall for investment scams 1:17:18 - Investment scam red flags 1:22:27 - What can you do if you lose money to an investment scam? 1:27:16 - Passwords being sold on the dark web 1:29:55 - Are password managers useful? 1:30:53 - Is your money at risk with the 16 billion data breach? 1:31:47 - How much has scams cost the UK? 1:34:24 - What can be done about scams globally? 1:40:20 - Scam clinic podcast 1:43:09 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Natalie Scott, who is a certified money coach and money mindset expert. She’s best known for empowering Millennials and Gen Z to break free from limiting money beliefs, build financial confidence, and take control of their future. We discuss: - Why you can build wealth with your 9-5 - Wealth building opportunities people overlook in their jobs - How social media makes you spend more - The ugly side of business they won't tell you - How money worries affect your body - How to get around the "ego" of saying I can't afford this - Key mindset shifts to build wealth and much more 🔗 Connect with Natalie: Instagram: https://www.instagram.com/nataliescottempowers/ 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🤝 Sponsors Lightyear – Grow your cash or build wealth on Lightyear’s simple-to-use platform. Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: ⁠https://lightyear.com/savvywallet⁠ or enter the code: "SAVVY" manually in the Promotions section. Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. 🤝 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 1:19 - Intro 1:30 - Meet Money Coach Natalie Scott 7:25 - Feeling out of depth with money 9:30 - How to get better at managing your money 13:22 - The boldest financial decision I’ve made 17:05 - Lightyear Ad 18:27 - The pressure to be financially successful 22:59 - I was wrong about entrepreneurship 27:29 - Quitting business full time and getting a job 31:37 - Ugly side of business people won’t tell you 34:14 - You’re not successful if you work a 9-5 38:23 - One financial truth I learnt going back into work  40:53 - Wealth building opportunities people overlook in their 9-5 46:07 - Should you save for a property or invest? 48:15 - A simple way to save more money 51:03 - The best way to budget for yourself  53:59 - Why do we spend so recklessly 56:33 - Why it’s important to have a fun fund  58:51 - How wealth building accelerates when you have a job 1:00:41 - First steps to start investing 1:07:10 - How to think more about your future? 1:09:43 - If you’re fearful of investing watch this  1:10:27 - Don’t sacrifice too much for the future 1:12:34 - How social media makes you spend more  1:15:56 - How to say I can’t afford this 1:21:13 - Financial difficulty with friends 1:25:39 - How does money mindset affect your body? 1:30:17 - How to deal with money worries? 1:32:51 - Key mindset shifts to build wealth 1:35:04 - Final words 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 go from £0 to £100k step by step - The biggest financial mistakes people make (and how to avoid them) - Why saving 10% of your income is not enough in today’s world - The habits and rules money experts live by to build lasting wealth - Smart ways to double your net worth in 12 months, from skills to investments and much more 🔗 Connect with Emmanuel: Instagram: https://www.instagram.com/moneysavingparent/ 🔗 Connect with Leonard: Instagram: https://www.instagram.com/leonard_fom/ 🔗 Connect with Ayo: Instagram: https://www.instagram.com/ayonoble_/ 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🤝 Partners Black Business Show - Grab FREE tickets to Black Women Business Talks, Black Men Business Talks or UK Black Business Show with the code "SAVVYFREE" 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 1:06 - Intro 1:21 - Meet Insurance Broker - Emmanuel Jones 6:58 - UK Black Business Show 8:13 - Meet Fractional Chief Financial Officer & Founder, FinOps Squad - Leonard Fom 19:21 - Meet Financial Advisor - Ayo Noble 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 Andrew Craig, best-selling finance author of “How to Own The World, a financial educator of 13 years and founder of personal finance website: Plain English Finance and Debodun Osekita, former trader at Goldman Sachs, founder of stock pickers academy and investing coach. We discuss: - Passive Investing vs Active Investing in the stock market - Global Index Funds vs S&P 500 Index Funds - Should Crypto be part of your investing portfolio? - Future opportunities in the stock market - How to achieve financial freedom in the stock market and much more 🔗 Connect with Andrew: Linkedin: https://www.linkedin.com/in/andrewcraigpef/ Website: https://plainenglishfinance.co.uk Youtube channel: https://www.youtube.com/c/plainenglishfinance 🔗 Connect with Debodun: Instagram: https://www.instagram.com/stockpickersacademy Instagram personal: https://www.instagram.com/coachdebs.spa 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠⁠⁠⁠ 🤝 Partners Lightyear – Grow your cash or build wealth on Lightyear’s simple-to-use platform. Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: https://lightyear.com/savvywallet⁠ or enter the code: "SAVVY" manually in the Promotions section. Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. 📚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 Investing Expert & Author, Andrew Craig 2:55 - Meet Former Goldman Sachs Trader, Debodun Osekita 4:30 - What you NEED to know about investing 10:50 - Stocks vs Index Funds/ETFS: Which is the smartest path to build wealth? 13:41 - Single stock investing is a degree worth of knowledge 19:34 - Single stock investing is like trading! 19:48 - Buying and holding an investment is lazy 21:32 - 8-10% return is life changing for most people 35:08 - Where is single stock investing ranked? 39:46 - 80% of people have lost money in crypto 43:25 - Are Goldman Sachs, Blackrock, JP Morgan embracing Crypto? 47:16 - Andrew Craig’s stance on Crypto  48:57 - Stock market contributes wealth to the economy Crypto doesn’t  58:54 - Global index funds vs S&P 500  1:05:07 - Will the S&P 500 stop returning 10% a year? 1:06:21 - The FTSE ALL share (UK) will outperform the S&P 500 (US) 1:09:38 - Future opportunities in investing  1:10:24 - How to achieve financial freedom from the stock market? 1:14:00 - 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

In this episode, Ato speaks with Oyin Adebayo the founder and CEO of Niyo Group, the powerhouse behind Niyo Labs and Niyo Fest. From earning £200 a week as a hairdresser to building a company that’s generated over £2 million in revenue. Through Niyo Labs, she’s helped hundreds upskill into tech roles, while Niyo Fest celebrates Black identity and joy on a major stage, drawing thousands each year. We discuss: - How her relationship with money helped her succes - How she scaled Niyo group from £200 per week to £2 Million - What they don't tell you about making millions in business - How your relationships can help you achieve your goals - The truth about Debt vs equity to grow your business - Framework for creating a sustainable side hustle - How she would build a £1 million business in a year and much more 🔗 Connect with Oyin: Instagram: https://www.instagram.com/oyinadebayo_ 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠⁠⁠ 🤝 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 0:50 - Intro 1:01 - Meet tech entrepreneur Oyin 4:00 - Growing up in Nigeria 6:44 - Pivotal moments that put me on this path 8:55 - Why I created Niyo Group 11:18 - My real relationship with money 16:36 - How my definition of money & success has changed 18:38 - How Niyo Group builds tech with human brilliance 21:39 - Your relationships will define your success 26:11 - I started Niyo Group with No Money! 26:42 - How I scaled Niyo Group to £2 Million 29:03 - People don’t tell you the truth about business 34:40 - How does Niyo labs and Niyo fest connect to build wealth? 35:43 - Using debt to grow my business 40:19 - What people get wrong about creating an event 44:45 - Sacrifices I’ve had to make for my business to succeed 47:26 - How it felt spending my savings for my business 49:33- Highest return investment I’ve made? 50:54 - How do you spot money making opportunities? 54:16 - Framework for creating a sustainable side hustle 58:27 - How I would build a million pound business in a year 1:00:49 - What’s in the wallet ? 1:05:32 - What does success look like for me? 1:06:05 - 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 Leon Boros, who is a private investor and former corporate financier who became an ISA Millionaire in 2013 (Meaning he built a £1M+ tax-free portfolio made up of stock investments). We discuss: - Key choices that shaped Leon's financial success - How to become an ISA Millionaire - How much he invested to become an ISA Millionaire - Leon's investing framework that made him an ISA Millionaire - Investing through stock market crashes - Is it still possible to beat the stock market - Potential investment opportunities in the stock market - Best place to start investing and much more 🔗 Connect with Leon: X/Twitter: https://x.com/boros10 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠⁠⁠ 🤝 Sponsors Lightyear – Grow your cash or build wealth on Lightyear’s simple-to-use platform. Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: https://lightyear.com/savvywallet⁠ or enter the code: "SAVVY" manually in the Promotions section. Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. 🤝 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 1:02 - Intro 1:13 - Meet Private Investor Leon Boros 7:10 - This decision shaped my financial success the most 10:34 - Why I started investing in my teens 14:07 - People get too emotional about the Stock Market 17:10 - Lightyear Ad 18:31 - What’s a stocks and shares ISA? 22:51 - Time + compounding can make you an ISA Millionaire 23:51 - How much should you put in a Stocks and Shares ISA? 25:50 - The earlier you start investing the better 31:04 - Why are there such few ISA’s Millionaires 37:11 - When I believed I could be a Stock Market Millionaire 39:52 - How I became an ISA Millionaire 48:09 - The truth about a diverse stock portfolio 54:36 - How much I invested to become an ISA Millionaire 58:21 - One of my best performing investments 59:42 - My investing framework that made me millions in the Stock Market 1:08:02 - Biggest investing mistakes 1:13:19 - Lessons learnt from my mistakes 1:17:36 - Investing through Stock Market crashes 1:22:21 - Skills to be a good Stock Market investor 1:25:52 - What would I do differently in the Stock Market? 1:27:25 - Is it still possible to beat the Stock Market 1:30:09 - Investment opportunities I’m looking at 1:32:49 - Best place to start investing in the Stock Market 1:35:13 - 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 Deborah Williams is a seasoned financial professional who held roles in private banking and relationship management at top institutions including NatWest, Brown Shipley, Coutts, and C. Hoare & Co where she advised high-net-worth individuals. She was a 2018 finalist for Private Banker of the Year at the Women in Finance Awards and now works as a financial coach and moderator with Female Invest and Black Girl Finance. We discuss:  3 most surprising things she encountered working in private banking Defining your wealth identity The 5 stages of wealth: from zero to building wealth to leaving a legacy Key accounts needed to build up your savings and wealth What it really means to create a lasting legacy and much more 🔗 Connect with Deborah: Linkedin: https://www.linkedin.com/in/deborah-williams-13a81981 Join Black Girl Finance Group: https://payhip.com/b/dmiTW 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠⁠ 🤝 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 1:17 - Intro 1:28 - Meet Ex-Private Banker & Financial Coach Deborah 3:24 - Growing up in North-West London 6:08 - My relationship with money  11:43 - Financial mistakes that I made 16:20 - Why I pursued a career in banking 18:41 - 3 Things that surprised me about working in private banking 26:35 - Conversations the wealthy have that we don’t! 32:52 - People don’t believe you can become wealthy with a 9-5  35:53 - Do you need to see yourself as wealthy? 40:05 - Did you ever feel stuck financially? 42:16 - Traits that say you’re financially struggle 45:38 - How to stop being in denial 51:49 - How to develop your saving operating system 53:52 - Key accounts to build up your savings 58:24 - Traits that say you’re financially stable 1:01:59 - How to not slip back into bad money habits  1:04:48 - Do this when you’re financially stable 1:07:07 - Steps to grow your wealth  1:11:30 - Unconventional ways to generate more money!  1:16:42 - How to be comfortable building wealth over the long-term?  1:18:19 - Habits and routines to preserve your wealth 1:22:00 - How to figure out the right investments for you 1:24:22 - What does creating a lasting legacy really mean?  1:27:26 - What are the essential financial things you need to do!  1:30:04 - Working with a financial coach 1:31:36 - 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 Peter Ferrigno, Director of Tax Services at Henley & Partners who is the global leader in residence and citizenship planning. We discuss: - Why so many Millionaires are leaving the UK - How Millionaires leaving the UK impact it’s economy - The countries with the lowest tax rates - What you should consider before moving abroad - How to protect your financial future and much more 🔗 Connect with Peter: Linkedin: https://www.linkedin.com/in/peterferrigno1 Instagram: https://www.instagram.com/peter.ferrigno 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠ 🤝 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 1:11 - Intro 1:22 - Meet Tax Director, Peter Ferrigno 6:53 - Are more people leaving the UK now? 9:40 - The UK lost 16,500 Millionaires 15:03 - Why Capital Gains Tax Is Lower 23:12 - How do millionaires leaving the UK impact us? 28:26 - Should we care about millionaire leaving the UK? 34:04 - How many more millionaires will leave the UK in 2025? 34:24 - Where are millionaires moving to? 42:22 - Getting citizenship by investment 43:11 - The Italian Tax System 43:59 - Why do countries want millionaires ? 48:21 - Why is the every day person leaving the UK? 50:23 - Opportunities of staying in the UK? 53:05 - People are coming to the UK 54:28 - Impact of scrapping Capital Gains Tax 56:12 - The 60% tax trap 59:09 - Don’t reduce peoples personal allowances! 1:02:54 - Make it easy for people to spend money 1:06:27 - Countries in the world with the highest taxes 1:12:54 - Practical steps to protect your financial future 1:19:07 - Budgeting and financial planning 1:23:44 - Simple ways to reduce tax 1:26:16 - Common tax pitfalls to be aware of 1:28:29 - What would stop people from leaving the UK? 1:35:49 - Key lessons from 35 years in tax 1:38:36 - Advice for moving abroad 1:40:59 - Which countries has the lowest tax rates in the world 1:45:04 - 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

Michael is a certified financial planner and financial advisor with over a decade of experience in the financial services industry. In this episode we discuss: - How a client experienced changed Michael’s perspective on retirement - Pro’s and cons of using a pension for retirement - What you need to do differently to speed up your retirement - What are RSU’s and stock options and how to build wealth with them - Building a balanced retirement portfolio and much more 🔗 Connect with Michael: Linkedin: https://www.linkedin.com/in/michaelgdonkor Instagram: https://www.instagram.com/mikegdonkor 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠ 🤝 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 1:01 - Intro 1:12 - Meet Financial Advisor, Michael 4:49 - When I thought wealth was possible for me  12:07 - Client story that changed my perspective on life 18:27 - When you retire you grieve your job 22: 30 - How serious is the retirement problem for previous generations  28:45 - What does retirement mean for you?  30:58 - When should you contribute to your pensions?  34:59 - Invest in things you’re interested in 39:44 - S&P 500 & Global index funds in your pensions 42:25 - How to retire with a pension 47:36 - When you can no longer get tax benefits from a pension  50:15 - How to utilise the stock market to retire earlier  55:16 - What you need to do differently to retire earlier?  1:02:38 - The approach to the stock market to retire earlier  1:04:01 - What are stock options and RSU’s and how to build wealth with them  1:09:50 - The downsides of RSU’s 1:14:24 - How to use property for retirement? 1:18:55 - A balanced retirement plan 1:20:02 - What’s in The Wallet  1:23:14 - Final Words Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey Folks! I hope you’re enjoying the weekend! Just to let you know the podcast will be on a short break for 1 week and will return on the 14th July.  I need a short break to replenish my battery and go strong for the second half of the year. In the meantime why not check out previous episodes that you've missed. I’ve got so many amazing conversations coming up so please stayed tuned and I’ll see you soon! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this bonus episode, recorded live at the Morningstar Investment Conference, Ato speaks with Ryan Murphy, Global Head of Behavioral Insights at Morningstar — a leading global investment research and management firm known for its trusted data, analysis, and expert insights that help investors make informed decisions. In this episode we discuss: - How your money mindset shapes financial decisions and long-term success - Simple strategies to avoid common behavioural mistakes with investing - Why taking a long-term view helps you stay calm during market volatility - Practical steps to define your true financial goals and take action and much more Connect with Ryan Murphy: https://www.linkedin.com/in/ryan-murphy-77245b2 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠ 🤝 Sponsor Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 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 Joyce Idoniboye, Chief People Officer at Oxfam GB she is an accomplished Human Resources leader with over 20 years of experience spanning the non-profit, investment banking, and legal sectors. In this episode we discuss: - Why Joyce risked everything to move to London - How she went from working in a hotel to Chief People Officer - How to stand out to your manager and get promoted - Negotiating your salary - Career Skills that will be valuable in an AI world - How to stand out in the job market and much more 🔗 Connect with Joyce: Linkedin: http://www.linkedin.com/in/joyce-idoniboye-a6068219 Instagram: https://www.instagram.com/thejoyceoutloud 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠ 🤝 Sponsor Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠⁠⁠⁠ You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠⁠⁠⁠ 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 1:10 - Intro 1:21 - Meet Chief People Officer, Joyce 3:18 - Growing up in foster care 7:01 - Reconnecting with my sister was a miracle 10:23 - From homeless to working in a hotel 14:58 - Why I wanted more for myself 18:26 - If you’re hungry people will help you 21:43 - Tide Ad 23:02 - Key steps to becoming a Chief People Officer 34:10 - How to be your authentic self at work 41:44 - What I do as a Chief People Officer 47:45 - Dealing with imposter syndrome 53:59 - Savvy Wallet Ad 54:08 - How to stand out to your manager 59:56 - How to show value to your company even if you work from home 1:03:04 - Is working hard or selling yourself more important at your job 1:07:51 - Signs your company won’t promote you 1:11:18 - Key steps to get promoted at work 1:17:02 - Does job hopping help your career? 1:19:50 - Skills that will always be relevant in an AI world 1:24:40 - How to negotiate your salary 1:28:04 - How I would get a job in this tough job market 1:31:01 - Key lessons learnt from a 20+ year career 1:32:55 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Ayesha Ofori a multi-award-winning business woman, property investor, angel investor, and the founder & CEO of Propelle, a female-focused investment platform. In this episode we discuss: - Wealth lessons learnt from Ayesha's time at Goldman Sachs - How she became an executive director at Goldman Sachs - Was there pressure managing £500 million of client's money - Can you becoming wealth from a 9-5? - Turning your salary into assets - A portfolio approach to Investing in startups and much more 🔗 Connect with Ayesha: Instagram: https://www.instagram.com/ayesha.ofori 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠https://tally.so/r/w5gzdE⁠⁠ 🤝 Sponsor Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠⁠⁠ You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠⁠⁠ 🤝Partners Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠⁠⁠https://hl.7eer.net/B0mz50⁠⁠⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠⁠⁠⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠⁠⁠⁠ Capital at risk 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 1:05 - Intro 1:40 - Meet Propelle Founder & CEO, Ayesha 8:42 - Getting my first job at Morgan Stanley 11:19 - Day in life of a ultra high net worth advisor Goldman Sachs 16:32 - How I became an executive director at Goldman Sachs 20:49 - Where does the work ethic come from? 24:54 - Tide Ad 26:13 - The pressure of managing £500 million 30:56 - Can you become wealthy with your 9-5? 37:27 - Financial tools and strategies only at Goldman sachs 44:02 - Turning your salary into assets 48:43 - Alternative assets to property 50:35 - Lessons learnt from investing & losing £80,000 in a startup 52:17 - A portfolio approach for investing in startups 56:52 - How I would advise my clients on trump tariffs 1:02:44 - Ayesha’s criteria for investing in a startup 1:08:36 - One unconventional habit that has paid dividends 1:14:01 - Why I started Propelle 1:21:18 - The vision for Propelle 1:23:31 - What’s in The Wallet? 1:24:58 - 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 Mike Coop is the Chief Investment Officer for Morningstar Investment Management in Europe, the Middle East, and Africa, with over 37 years of experience in financial services. In this episode we discuss: - Lessons from 37 years of investing - How to build a well diversified stock portfolio - S&P 500 vs Global Index Funds - Is it too late to invest in AI? - What’s the future of the magnificent 7 (Tesla, Apple, Microsoft, Google, Meta etc) - How can investing build your wealth and much more! 🔗 Connect with Mike Coop: Linkedin - https://www.linkedin.com/in/mike-coop-morningstar 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠https://tally.so/r/w5gzdE⁠ 🤝 Sponsor Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠⁠ You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠⁠ 🤝Partners Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠⁠https://hl.7eer.net/B0mz50⁠⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠⁠⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠⁠⁠ Capital at risk 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 00:49 - Intro 1:25 - Meet Chief investment Officer Mike Coop 6:36 - Lessons from 37 years of investing 12:02 - How can investing build your wealth 16:01 - What makes an investment go up in value 22:44 - Tide Ad 24:03 - Which countries or sectors are undervalued? 27:13 - What makes the UK undervalued? 33:08 - Why investors think Brazil is undervalued 37:45 - China’s Market: Undervalued or Risky? 40:46 - Is politics affecting the stock market too much? 48:19 - What’s the future of the magnificent 7 (Tesla, Apple, Microsoft, Google, Meta etc) 53:05 - Is the stock market rebound sustainable? 57:59 - Building a well diversified stock portfolio 1:03:45 - S&P 500 vs Global Index Funds 1:06:07 - What would I do differently if I started today 1:07:25 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Joseph Obeng is a qualified financial advisor with over 12 years in the financial services industry. He’s the author of Flow State Money, a book that blends psychology and personal finance to help you manage money with clarity and confidence. In this episode we discuss: - The obsession with buying property - The societal pressure of getting on the property ladder - Investing in property vs investing in the stock market- Is renting throwing away money? - How the stock market could fast-track your financial freedom - How to design the life you want and much more Connect with Joseph: Instagram - https://www.instagram.com/joefinancialplanning Grab a copy of Joseph's book "Flow State Money" here: https://amzn.to/45fDf3p 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: https://tally.so/r/w5gzdE 🤝 Sponsor Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠ You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠ 🤝Partners Black Business Show - Get 15% of tickets with the code "UKBB15" https://www.birminghamblackbusinessshow.co.uk Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠https://hl.7eer.net/B0mz50⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠⁠ Capital at risk 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 Perry, a cab driver, property entrepreneur, author and went on the journey of financial independence at the age of 57 and he achieved financial independence (light) in 3 years. In this episode we discuss: - Why Perry decide to change his life at 57 - Shifting from 40 hours a week or 80 hours a week to make extra income - How he managed to buy multiple properties on a minimum wage - How he achieved financial freedom 'light' in 3 years - The mindset required to attain a wealthy life - How anyone can change their financial life and gain financial freedom much more Connect with Perry: https://www.youtube.com/@StupidIsTheNorm Grab a copy of Perry's book "Minimum Wage Millionaire" here: https://amzn.to/3SsC3Cf 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠ 🤝 Sponsor Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠ You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠ 🤝Partners Black Business Show - Grab FREE tickets with the code "SAVVYFREE" https://www.birminghamblackbusinessshow.co.uk Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠https://hl.7eer.net/B0mz50⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠ Capital at risk 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 0:56 - Intro 1:31 - Meet Property Investor Perry Wilson 6:12 - Why I stopped working as a bartender 11:45 - I started working 80 hours a week 14:02 - Why I decided to buy a property & how much it cost 15:48 - Tide Ad 21:05 - Becoming financially free light 22:16 - This property was a nightmare! 24:45 - How I learnt to raise money for property 26:13 - Buying a 10 property deal 29:20 - Losing 40% of my rental income 31:56 - Millionaire mindset 34:16 - Why I decided to use the buy to let strategy 38:46 - Challenges with scaling my buy to let portfolio 45:12 - Can you really buy property with minimum wage? 50:51 - Steps to financial independence 55:17 - How much should you roughly save for a first rental property? 59:08 - Second jobs/side hustles will supercharge your earnings 1:07:28 - Why I’m so disciplined 1:09:50 - My retirement goal 1:15:15 - How to start raising money for your property 1:22:00 - Is buy to let still viable in 2025? 1:23:08 - Perry’s book: “Minimum Wage Millionaire” 1:26:44 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices

Live at the Morningstar Investment Conference, Ato speaks with 4 investing experts on how to build wealth through the stock market. In this video we discuss: - How to build wealth through the stock market - What they wished they had known sooner - Their number one advice for investors - Why waiting to invest can cost you - Biggest mistakes investors make - Where Morningstar see potential opportunities in the stock market and much more Connect with Ruli Viljoen https://www.linkedin.com/in/ruli-viljoen-056907103 Connect with Saftar Sarwar https://www.linkedin.com/in/saftar Connect with Mark Sanderson https://www.linkedin.com/in/mark-sanderson Connect with Mark Preskett https://www.linkedin.com/in/mark-preskett-cfa-577b3113 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠ 🤝Partners Tide - Earn up to 4.22% AER Variable on your business savings here: ⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠ You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠ Check out our partners who offer Stocks and Shares ISA and more: ⚡️Hargreaves Lansdown ⚡️ ⁠https://hl.7eer.net/B0mz50⁠ Capital at risk ⚡️Interactive Investor ⚡️ ⁠⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠⁠ Capital at risk 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 0:47 - Intro 1:00 - Meet Head of Manager Selection - Ruli Viljoen 9:16 - Meet Chief Investment Officer - Saftar Sarwar 15:57 - Meet Managing Director - Mark Sanderson 20:15 - Meet Senior Portfolio Manager - Mark Preskett Learn more about your ad choices. Visit megaphone.fm/adchoices