The Savvy Wallet Podcast

• [Bonus episode] - Money Mindset Expert: The #1 Mistake That Quietly Destroys Your Financial Future ft. Ryan Murphy

  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

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• EP. 178 - C-Level Executive - Aged 21–50? Here's How To Climb The Corporate Ladder Without Playing The Game ft. Joyce Idoniboye

  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

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• EP. 177 - Ex-Goldman Sachs Director: Earn Between £20k - £100k? Do This To Turn Your Salary Into Assets ft. Ayesha Ofori

  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

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• EP. 176 - Investing Expert: I’ve Been Investing For 37 years. In Your 20s, 30s, or 40s? Start Here ft. Mike Coop

  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

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• EP. 175 - Financial Advisor: Why's Everyone So Obsessed With Buying A Home? ft. Joseph Obeng

  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

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