The Savvy Wallet Podcast

• EP. 195 - Forget Startups and Property, This Is A Faster Way to Build Wealth ft. Darren Johnson

  In this episode, Ato speaks with Darren Johnson is the Global Chief Operating Officer at Impax Asset Management, a leading specialist in sustainable investing. Darren has also built a track record as an angel investor and business buyer. Having made more than 40 early-stage investments and acquired 2 businesses. In this episode we discuss: - Why you need an edge in everything that you do - Positioning yourself to earn more money - Darren's experience of angel investin - An alternative way to build wealth outside of buying houses or startups - How you can use the 4 C's to your advantage and much more 🔗 Connect with Darren: Linkedin: https://www.linkedin.com/in/darren-johnson-905a8b1a/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs apply. Xero Get 90% off of Xero for 6 months by visiting: 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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• EP. 194 - The Greatest Wealth Shift of Our Lifetime Has Just Begun — Don’t Get Left Behind ft. Susannah Streeter

  In this episode, Ato speaks with Susannah Streeter is a leading financial commentator and global markets expert. Formerly Head of Money & Markets at Hargreaves Lansdown, she is known for translating complex economic and geopolitical trends into clear, actionable insights. We discuss: - The biggest wealth shifts across the world over the next 5-10 years - Why we may be in an AI bubble- How to start investing in the stock market - Tips to manage your emotions during a stock market crash - Why people are worried about central bank digital currencies and much more 🔗 Connect with Susannah: Linkedin: https://www.linkedin.com/in/susannah-streeter-05a82624/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs 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. TIMESTAMPS 0:00 - Preview 1:06 - Intro 1:17 - Meet global markets experts Susannah Streeter 2:20 - The values and lessons that shaped me 5:50 - My biggest financial wake up call 10:33- How I became the head of money and markets at Hagreaves Lansdown 18:06 - XTB Ad - Free Rolls Royce Share 19:00 - This will be the biggest shift in global markets 21:46 - Why are we in such a fractured world? 25:01 - What regions will dominate wealth creation over the next decade 27:37 - Is cybersecurity a long-term investment opportunity? 30:03 - The scary reality of AI 36:29 - Why do investors like Europe over the US 37:13 - What is de-dollarisation? 42:16 - How can investors build a resilience portfolio 44:35 - S&P 500 VS Global Index Funds 48:13 - What mistakes do investors make? 50:00 - What I look for in my investments 55:19 - Where you should begin investing ? 1:00:42 - What asset will attract the most money? 1:06:42 - Lessons learnt from market crashes 1:11:00 - Look past the noise and start investing 1:12:21 - Why are people worried about Central Bank Digital Currency 1:16:37 - Bitcoin vs Ethereum 1:24:26 - 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. 193 - How Smart Men Build Wealth (While Everyone Else Burns Out)

  In this episode, Ato speaks with Dr Aaron Balick, a Psychotherapist with 20+ years in the industry and author of The Little Book of Calm, Ken Okoroafor, Co-Founder of award winning company “The Humble Penny”, he is a Financial Coach and best selling Author of the book “Financial Joy" and Emmanuel Jones, Wealth Protection Advisor. We discuss: - How money shaped their perspectives as men - Society's expectations are breaking men - Why men focus too much on getting rich quick - Why Men will rather suffer in silence than ask for help - Best approach to build wealth and much more 🔗 Connect with Ken: Website: https://thehumblepenny.com Youtube: https://www.youtube.com/thehumblepenny Linkedin: https://www.linkedin.com/in/ken-okoroafor/ Financial Joy Academy: https://financialjoyacademy.com Pre-order his book "The Wealth Habit" today - https://geni.us/TheWealthHabit 🔗 Connect with Dr Aaron: Website: https://www.aaronbalick.com/ Instagram: https://www.instagram.com/draaronb Linkedin: https://www.linkedin.com/in/draaronb/ 🔗 Connect with Emmanuel: Instagram: https://www.instagram.com/moneysavingparent/ Linkedin: https://www.linkedin.com/in/emmanuel-jones1188/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs 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. Timestamps 0:00 - Preview 2:16 - Intro 2:41 - Meet Psychotherapist, Dr Aaron Balick 3:50 - Meet Protection Advisor, Emmanuel Jones 4:28 - Meet Money Expert, Ken Okoroafor 6:06 - How money shaped my perspective as a man 12:34 - First sense of responsibility as a man 14:26 - The definition of wealth has changed 17:57 - XTB Ad - Free Rolls Royce Share 18:51 - How does expectation put pressure on Men 21:08 - How does a man stick to his purpose 34:46 - Do Men focus too much on getting rich quick? 44:49 - The average salary is not enough, it adds pressure 50:52 - I know someone that needs to make 50k a month to survive 55:12 - How keeping up with the jones impacts your finances 1:00:21 - Suicide is one of the top killers of Men 1:04:21 - Men will never admit they’re in debt 1:07:47 - How to get men to open up about money problems 1:11:19 - Men don’t know how to express love for each other 1:13:33 - Opening up as a man without feeling weak 1:18:00 - Should men still carry all of the finances in a relationship 1:28:50 - How should a man’s worth be redefined 1:39:14 - What’s the best way to approach building wealth 1:49:36 - 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

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• EP. 192 - Gold Expert: 4 Ways to Invest In Gold That No One Is Talking About ft. Toby Osborne

  In this episode, Ato speaks with Toby Osborne, Head of Wealth Management at The Royal Mint which offers people secure ways to buy, sell, and store precious metals like gold, silver, and platinum. We discuss: In this episode, Ato speaks with Toby Osborne, Head of Wealth Management at The Royal Mint which offers people secure ways to buy, sell, and store precious metals like gold, silver, and platinum. We discuss: - Why the Gold price has surged in 2025 - The main reasons people invest in Gold - The 4 different types of way to invest and buy Gold - Investing in Gold vs Silver vs Platinum - Does Bitcoin threaten Gold standing as an investment - Will AI have an impact on Gold and much more! 🔗 Connect with Toby: Linkedin: https://www.linkedin.com/in/toby-osborne-1607/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs 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. TIMESTAMPS 0:00 - Preview 1:24 - Intro 1:35 - Meet Gold Expert Toby Osborne 3:33 - Why should people listen to this conversation 5:56 - Most shocking things I’ve seen people do with Gold 9:08 - How did the royal mint get into selling Gold? 12:59 - Why do people buy Gold? 15:40 - XTB Ad - Free Rolls Royce Share 16:34 - Why does Gold have value? 22:36 - How much does cultural traditions drive gold 27:36 - Why has the price of Gold surged this year? 31:05 - Did tariffs impact the price of Gold? 36:49 - Is the price of Gold overvalued? 41:21 - What are the different type of Gold investments 48:18 - What’s the most secure way of buying and storing physical Gold 53:09 - How do you buy Digi-Gold? 55:16 - How to get Gold ETF’s? 55:52 - Physical vs Digital Gold 59:28 - Main risks with Gold 1:01:14 - How the Royal Mint stores it’s Gold 1:05:49 - Silver vs Platinum vs Gold 1:08:52 - Does Bitcoin threaten Gold? 1:11:25 - What’s the future of Gold? 1:14:16 - Will AI have an impact on Gold 1:18:21 - 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. 191 - Wealth Advisor Reveals The No. 1 Way To Build Wealth In The Stock Market (On Any Budget) ft. Jacques Opoku

  In this episode, Ato speaks with Jacques Opoku an investment professional with 11 years of experience in asset management, where he worked on institutional portfolios and gained a deep understanding of how money is managed at scale. We discuss: - Why not everyone needs to invest in index funds - The best investment you can make for yourself - Lessons we can learn from institutional investors - How to be in the 30% of people building wealth from the stock market - Investing themes to consider for the future and much more! 🔗 Connect with Jacques : Jacque's instagram: https://www.instagram.com/jaxfinancial_uk/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Sponsors XTB Get your free share of Rolls Royce by signing up to XTB and using code "SAVVY" or go to https://link-pso.xtb.com/pso/vPgQK Please note the free stock promotion applies to the United Kingdom only. Your capital is at risk. The value of the stock may fluctuate. Limited availability. T&Cs 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. TIMESTAMPS 0:00 - Preview 1:07 - Intro 1:18 - Meet Investment Professional Jacques Opoku 2:52 - Why I left Investment Management 5:59 - What I think my purpose is 8:38 - One belief about money I wish more people understood 12:20 - XTB Ad - Free Rolls Royce Share 13:14 - How people approach building wealth 18:53 - What is institutional investing?  20:28 - Institutional investors vs retail investors  21:34 - Main advantages Institutional investors have 24:11 - Advantages retail investors have over Institutional investors 27:47 - How University of Oxford built it’s wealth  28:34 - What is a GILT? 30:41 - Do institutional investors always get it right? 36:47 - The different styles of  institutional investors 40:32 - Should retail investors copy institutional investors 50:13 - More than 70% retail investors don’t make money 53:33 - How to be more patient with the stock market 1:01:51 - How to find out what investing strategy works for you? 1:04:38 - Why does active investing still exist? 1:11:49 - Not everyone needs to be Warren Buffett  1:14:39 - What themes would I include in my portfolio today 1:19:31 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices

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