The Savvy Wallet Podcast

• EP. 193 - Money & Psychology Experts: “It’s An Emergency!” The Hidden Wealth Crisis Breaking Men!

  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 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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• EP. 190 - Investment Manager: If I Started Investing In 2025, I’d Do This To Build Serious Wealth ft. Tsitsi Mutiti

  In this episode, Ato speaks with Tsitsi Mutiti is an Investment Manager at Charles Stanley with over 13 years of experience in wealth management. She specialises in building and managing portfolios for high-net-worth clients, supporting them across investments, pensions, and trusts. We discuss: - Growing up in Zimbabwe and how it shaped her - How she got herself out of £50,000 debt - The importance of knowing your "why" when investing - How to stay calm during stock market downturns - What is dividend investing and how it helps to build wealth - How investing changes when you need to live off the money - The 3 stages of wealth and much more 🔗 Connect with Tsitsi : Tsitsi's Linkedin: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ 🤝 Sponsors Lightyear Use code SAVVY or go to https://lightyear.com/savvywallet to get up to £100 in a US fractional share in your GIA. Capital at risk. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. Valid for new users who complete onboarding and deposit at least £100. The reward can be withdrawn 6 months after it’s credited. 🤝 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. TIMESTAMPS 0:00 - Preview 0:59 - Intro 1:10 - Meet Investment Manager, Tsitsi Mutiti 8:27 - How I got out of £50,000 debt  16:19 - My money lessons from growing up in Zimbabwe  20:58 - When I knew I could create wealth for myself  26:28 - Lightyear Ad 27:46 - Investing money with high net worth clients 31:49 - Pressure to invest other peoples money  34:50 - How I reassure my clients in stock market downturns 40:55 - What I’ve learnt from investing professionally 43:24 - What is a dividend portfolio  45:58 - Why is dividend helpful for financial freedom 49:13 - The importance of ISA’s 54:25 - The different ways to get dividends  58:01 - How to find out what the dividends you’ll get paid  1:01:00 - What helps people earn £1,000 a year from dividends  1:04:48 - The power of reinvesting dividends  1:07:01 - Exploring dividend approaches 1:08:08 - Common Pitfalls chasing dividend investments 1:11:22 - What can affect dividend investments 1:19:32 - How investing changes when you need the money 1:25:20 - Message if you want to build serious wealth 1:28:33 - 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. 189 - Financial Advisor: Saved Less Than £10k? Do This To Build Wealth From Scratch ft. Bola Sol

  In this episode, Ato speaks with Bola Sol who is a financial adviser, media personality and author of the books 'How to Save It' and 'Your Money Life'. She's passionate about making money simple, accessible and empowering people to take control of their finances and build wealth. We discuss: - Money Lesson's Bola learnt from her family - What's FU Money and why you need it - Why saving your first £10,000 is so important - The best income streams to build now - Helping women in your life with their finances - Why women need their own financial independence - How to close the gender investment gap - First steps to investing and much more 🔗 Connect with Bola: Bola's instagram: https://www.instagram.com/bola_sol/ 📩 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 1:24 - Intro 1:35 - Meet Financial Advisor Bola Sol 5:28 - Money lessons from my family 8:59 - What inspired me to become a financial advisor  11:56 - 3 most surprising things I’ve seen as a financial advisor  16:53 - What inspired me to teach people about money 19:43 - Get your money up!  21:59 - How to make your first £1,000 26:42 - What’s FU Money?  30:55 - How to go from £1,000 to £10,000 33:03 - Is there a way to make £10,000 passively?  34:54 - Why is the first £10,000 so important 36:15 - The roadmap to go from £10,000 to financial independence  40:14 - How to figure out your financial independence goal? 43:37 - Why does everything change after £100k 46:10 - The best income streams to build now 54:30 - Non-negotiables for building wealth? 54:57 - Barriers that make it harder for women to make their first £10k  58:56 - Women’s reduced earning power 1:00:53 - How to help the women in your life with their finances 1:04:33 - My personal experience with salary conversations 1:07:46 - Advice to get paid your worth 1:10:43 - Why talking about money makes women uncomfortable 1:17:00 - Why’s it important for woman to have their own financial independence 1:21:24 - Why retirement planning is so important for Women 1:25:17 - Practical ways to close the gender investment gap  1:28:45 - First steps of investing 1:30:57 - Generational wealth breaks historical money disadvantages 1:33:06 - How I help women with their money 1:33:43 - Your Money Life 1:35:00 - 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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