The Savvy Wallet Podcast

• EP. 187 - Financial Advisor Reveals The 3 Ingredients To Build Lasting Wealth ft. Jerran Whyte

  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

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• EP. 186 - Fraud Expert Reveals The New AI Scams Emptying Your Bank Accounts In Minutes ft. Nick Stapleton

  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

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• EP. 185 - Money Expert: "They’re Wrong!" The 7 Money Habits That Quietly Build Wealth From A 9–5 Job ft. Natalie Scott

  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

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• [Bonus episode] - Money Experts Reveal The Smartest Way To Double Your Wealth In The Next 12 Months

  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

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• EP. 184 - “Buy and Hold Is Lazy” Investing Experts Debate Passive Investing vs Active Investing ft. Andrew Craig & Debodun Osekita

  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

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