The Savvy Wallet Podcast

In this episode Ato speaks with Ruky Alabi-Oyelayo, a former banker, entrepreneur, career strategist, investor, Author and founder of RKY Careers, a fast-growing training and education platform that has helped over 10,000 professionals reposition their careers and transition into higher-paying roles.

We discuss:
- Her journey and challenges of migrating from Nigeria to the UK

- Pivoting from Accountancy to Financial Technology

- How she utilised her salary to build multiple streams of income (and how you can too)

- How she saved 70% of her salary

- Owning 10 rental properties in Nigeria

- Steps to pivot in your career and increase your salary

- Steps she took to quit her job & scale her business to 7 figures and much more

🔗 Connect with Ruky:
Instagram: https://www.instagram.com/coachruky/
Linkedin: https://www.linkedin.com/in/rukayat-alabi-21a63a75/

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🤝 Sponsors

Tide
Get £50 cashback when you open a FREE business account with Tide and spend £100. Make sure to use code "SAVVYMTD" during sign-up.

If you’re self-employed, Tide can help you prepare for Making Tax Digital with simple tools to track your finances, estimate tax in real time, and keep everything organised in one place.

Sign up here: https://www.tide.co/offers/savvymtd/

Terms & Conditions apply.

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🤝 Partners
📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:
https://imp.i384100.net/savvywallet

Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.

Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation.
Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Ato speaks with Emmanuel Asuquo, a financial advisor, author, and wealth educator known for breaking down money in a way that’s practical, honest, and culturally relevant. Through his work, he helps professionals rethink their relationship with income, ownership, and long-term wealth.

We discuss:
- The Middle Income Trap keeping people broke

- How Uber and Deliveroo has tricked us into thinking we're rich

- Steps to building wealth starting with £1,000

- Owning property vs stocks vs business

- How to stop living paycheque to paycheque and much more

🔗 Connect with Emmanuel:
Instagram: https://www.instagram.com/theemaneffectuk/

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📩 Sign up to my mailing list to be the first to know about upcoming events:
https://eepurl.com/hJEcLL

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🤝 Sponsors

21Shares
AD - 21shares is a Swiss-based firm founded in 2018 that builds exchange-listed crypto ETPs, designed for traditional investment platforms. Crypto is a high-risk investment and may result in the total loss of the capital invested. Please inform yourself in advance about the risks – for more information on these risks, please visit the 21Shares website: https://bit.ly/408jdUO

Tide
Get £50 cashback when you open a FREE business account with Tide and spend £100. Make sure to use code "SAVVYMTD" during sign-up.

If you’re self-employed, Tide can help you prepare for Making Tax Digital with simple tools to track your finances, estimate tax in real time, and keep everything organised in one place.

Sign up here: https://www.tide.co/offers/savvymtd/

Terms & Conditions apply.

---

🤝 Partners
📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:
https://imp.i384100.net/savvywallet

Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.

Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation.
Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Daniel Kemp an investment strategist and former Chief Research and Investment Officer at Morningstar, where he helped oversee hundreds of billions in client assets.

He is now the founder of Portfolio Thinking, a research platform focused on helping investors navigate uncertainty, make better long-term decisions, and separate market signal from noise.

In this episode we discuss:
- How investors should interpret the Iran War

- The Impact of the Iran War on the UK & US Stock Market

- Impact the Middle East Conflict could have on the US economy

- Investing £1,000 vs £10,000 vs £100,000

- How to use AI for investing and much more

🔗 Connect with Dan:
Linkedin: https://www.linkedin.com/in/dan-kemp-b6779437/

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📩 Sign up to my mailing list to be the first to know about upcoming events:
https://eepurl.com/hJEcLL

---

🤝 Sponsors

21Shares
AD - 21shares is a Swiss-based firm founded in 2018 that builds exchange-listed crypto ETPs, designed for traditional investment platforms. Crypto is a high-risk investment and may result in the total loss of the capital invested. Please inform yourself in advance about the risks – for more information on these risks, please visit the 21Shares website: https://bit.ly/408jdUO

Tide
Get £50 cashback when you open a FREE business account with Tide and spend £100. Make sure to use code "SAVVYMTD" during sign-up.

If you’re self-employed, Tide can help you prepare for Making Tax Digital with simple tools to track your finances, estimate tax in real time, and keep everything organised in one place.

Sign up here: https://www.tide.co/offers/savvymtd/

Terms & Conditions apply.

---

🤝 Partners
📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:
https://imp.i384100.net/savvywallet

Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.

Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation.
Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Rachel Harris an accountant and founder of a £2 million accountancy firm supporting over 700 UK businesses. She’s known for making complex tax rules simple and for giving honest insight into how HMRC really works.

Through her firm and online platform, she helps business owners navigate UK tax with confidence, structure smarter, and build long-term wealth.

In this episode we discuss:
- Red flags that trigger an investigation with HMRC

- Biggest tax mistakes people make

- What financial data HMRC can access

- Smartest director salaries for 2026/27

- Rachel's top 4 tax tips

- What is making tax digital and much more

🔗 Connect with Rachel

Instagram: https://www.instagram.com/accountant_she/

Linkedin: https://www.linkedin.com/in/rachel-harris-a3192372/

---

📩 Sign up to my mailing list to be the first to know about upcoming events:
https://eepurl.com/hJEcLL

---

🤝 Sponsors

21Shares
AD - 21shares is a Swiss-based firm founded in 2018 that builds exchange-listed crypto ETPs, designed for traditional investment platforms. Crypto is a high-risk investment and may result in the total loss of the capital invested. Please inform yourself in advance about the risks – for more information on these risks, please visit the 21Shares website: https://bit.ly/408jdUO

Tide
Get £50 cashback when you open a FREE business account with Tide and spend £100. Make sure to use code "SAVVYMTD" during sign-up.

If you’re self-employed, Tide can help you prepare for Making Tax Digital with simple tools to track your finances, estimate tax in real time, and keep everything organised in one place.

Sign up here: https://www.tide.co/offers/savvymtd/

Terms & Conditions apply.

---

🤝 Partners
📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:
https://imp.i384100.net/savvywallet

Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.

Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation.
Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Ken and Mary Okoroafor, Sunday Times bestselling authors, financial coaches, and founders of The Humble Penny. After becoming financially independent in their early 30s, they’ve dedicated their work to helping families build lasting wealth through disciplined habits and long-term thinking.

We discuss:
- How the pursuit of financial freedom has changed

- People needing permission to get a second income stream

- Moving from employee mindset to wealth builder

- Importance of investing your first £1,000

- Actually achieving financial joy and much more!

🔗 Connect with Ken and Mary:
Website: https://thehumblepenny.com

Instagram: https://www.instagram.com/thehumblepenny/

YouTube: https://youtube.com/thehumblepenny

TikTok: https://www.tiktok.com/@thehumblepenny

LinkedIn (Ken): https://www.linkedin.com/in/ken-okoroafor/

LinkedIn (Mary): https://www.linkedin.com/in/mary-okoroafor

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📩 Sign up to my mailing list to be the first to know about upcoming events:
https://eepurl.com/hJEcLL

---

🤝 Sponsors

21Shares
AD - 21shares is a Swiss-based firm founded in 2018 that builds exchange-listed crypto ETPs, designed for traditional investment platforms. Crypto is a high-risk investment and may result in the total loss of the capital invested. Please inform yourself in advance about the risks – for more information on these risks, please visit the 21Shares website: https://bit.ly/408jdUO

Xero - All-in-one accounting software for small businesses.
Get 90% off of Xero for 6 months by visiting: https://xero.com/savvywallet

Terms & Conditions apply.

---

🤝 Partners
📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:
https://imp.i384100.net/savvywallet

Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.

Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation.
Learn more about your ad choices. Visit megaphone.fm/adchoices