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The Savvy Wallet Podcast

Podcast The Savvy Wallet Podcast
Savvy Wallet
Welcome to the The Savvy Wallet Podcast, where I talk to the brightest minds in personal finance, business, health and more. Episodes released every Monday at 8...
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5 of 158
  • EP. 150 - Debt Expert: The Truth About The UK Debt System! This Is How They Trap You in The Debt Cycle! ft. Oye
    Joining us in the booth this week is Oye, founder of The Real Debt Guy and has worked in the subject of UK debt for 18 years. In this episode we discuss: - How the UK debt system really works - What will happen if you communicate or don't communicate with the lender - Actions the lender can take to recover the debt - How to manage negative feelings towards debt - The impact of your spend circle - How the debt buying business works - How to leverage the UK debt system - How to escape the UK debt cycle and much more *CORRECTION* At 42:33 - Oye said "non-priority" he meant to say "priority" 🔗 Connect with Oye: Website: https://www.therealdebtguy.com Youtube: https://www.youtube.com/@Oye_TheRealDebtGuy 📩 Sign up to my mailing list to be the first to know about upcoming events: http://eepurl.com/hJEcLL ➡️ Follow Savvy Wallet on: Instagram: https://www.instagram.com/savvywallet TikTok: https://www.tiktok.com/@savvywallet Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business: Tide - https://tide.onelink.me/IS48/SavvyWallet T&Cs Apply. Check out our partners who offer Stocks and Shares ISA and more: ⚡️Trading 212⚡️ (The investing platform I use) Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account. When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply. ⚡️Hargreaves Lansdown ⚡️ http://hl.7eer.net/B0mz50 Capital at risk ⚡️Interactive Investor ⚡️ https://prf.hn/click/camref:1101l3RTLM/ar:SW Capital at risk Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 📚Coursera 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 00:00 - Savvy Wallet Ad 00:18 - Preview 01:41 - Intro 02:17 - Meet debt expert Oye 07:51 - How does the debt system work?  12:31 - Relationship between the lender and the borrower 16:31 - Getting into the Debt cycle from university 22:11 - The impact on credit report for not paying credit repayments  25:19 - What happens if you can’t pay your debts?  31:31 - Fight the fear and open that debt letter! 33:51 - Do this if you’re struggling with your mortgage?  35:57 - What actions can a lender take to recover their money?  40:42 - What happens if you communicate with your lender? 43:17 - What protection do borrowers have? 45:46 - How does it get to the stage to Bailiffs  50:55 - How does buying and selling debt work?  58:51 - Why you should avoid bankruptcy! 01:02:12 - Why people feel negatively about debt  01:06:26 - How to manage feelings towards debt?  01:13:47 -How to navigate pressure to spend?  01:17:39 - Good debt vs bad debt  01:19:42 - How to leverage the debt system for your benefit?  01:20:40 - Steps to get out of the debt cycle  01:24:15 - Pitfalls to prevent you from getting into debt  01:27:11 - How The Real Debt Guy can help you 01:29:37 - Final words 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. 149 - Investing Expert: Becoming A Millionaire Is Simple! This ONE Investment Will Make Me Rich! ft. Ryan King (Making Money Simple)
    Joining us in the booth is investing and finance expert Ryan King, who has built an investment portfolio worth over £100,000+ in 7 years. In this episode we discuss: Why becoming a millionaire is ‘simple’ How Ryan built a £100,000 investment portfolio in 7 years The one investment that will make Ryan a Millionaire How compound interest can help you build serious wealth How to deal with fear in the stock market Investing in Bitcoin and the future of crypto 3 step blueprint to invest today and much more 🔗 Connect with Ryan: Instagram: https://www.instagram.com/makingmoneysimple Youtube: https://www.youtube.com/@MakingMoneySimple 📚Grab a copy of Ryan's book " Stop Waiting, Start Investing": https://amzn.to/4i7YBnr 📩 Sign up to my mailing list to be the first to know about upcoming events: http://eepurl.com/hJEcLL ➡️ Follow Savvy Wallet on: Instagram: https://www.instagram.com/savvywallet TikTok: https://www.tiktok.com/@savvywallet Check out our partners who offer Stocks and Shares ISA and more: ⚡️Trading 212⚡️ (This is Ato's investing platform of choice) Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account. When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply. ⚡️Hargreaves Lansdown ⚡️ http://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. Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business: Tide - https://tide.onelink.me/IS48/SavvyWallet T&Cs Apply. TIMESTAMPS 00:00 - Savvy Wallet Ad 00:18 - Preview 01:23 - Intro 01:59 - Meet investing expert and finance author Ryan King  04:19 - Lessons learnt living in Australia 09:52 - What Ryan’s invested in and the value of his investment portfolio 15:02 - How do you actually make money from investing?  19:49 - How much Ryan started investing with  24:11 - The current amount Ryan invests in monthly 30:56 - The real reason why people can’t retire 36:00 - Becoming a millionaire is easy?! 39:31 - Why you should stop waiting and start investing  44:18 - How to figure out what to invest in  51:39 - The cons of investing in global index funds  57:04 - How to deal with fear in the stock market  01:01:33 - How to stay patient with investing  01:09:57 - Biggest lessons learnt from investing  01:11:39 - The exact blueprint to invest today 01:17:44 - The importance of automating your investments  01:19:29 - How to minimise your investment fees  01:21:47 - Bitcoin going to $100,000 and the future of crypto 01:30:01- What to expect from The Stop Waiting Start Investing Book 01:34:34 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices
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  • EP. 148 - Wealth Manager: Don’t Aim To Be Rich! The Truth About Splitting Bills In A Relationship! ft. Natasha Percy-Baxter
    Joining us in the booth this week is Wealth Manager and Financial planner, Natasha Percy-Baxter. In this episode we discuss: A wealth manager’s perspective on money Being Rich vs being wealthy Pitfalls of trying to be rich Tools to build wealth The state pension crisis How money causes breakdown in a relationship Financial red flags in relationships Couples and families building wealth together and much more 🔗 Connect with Natasha: Instagram: https://www.instagram.com/percybaxter_wealth_management Website: https://partnership.sjp.co.uk/partner/percybaxter 📩 Sign up to my mailing list to be the first to know about upcoming events: http://eepurl.com/hJEcLL Sponsor Tide - Get an Instant Savings Account Earning 4.07% AER Variable for your Business: https://tide.onelink.me/IS48/SavvyWallet T&C's apply. ➡️ Follow Savvy Wallet on: Instagram: https://www.instagram.com/savvywallet TikTok: https://www.tiktok.com/@savvywallet Check out our partners who offer Stocks and Shares ISA and more: ⚡️Trading 212⚡️(This is Ato's investing platform of choice) Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account. When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply. ⚡️Hargreaves Lansdown ⚡️ http://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 00:00 - Savvy Wallet Ad 00:18 - Preview 01:30 - Intro 02:05 - Meet Wealth Manager Natasha  05:52 - Tide ad 07:09 - Growing up in Chelsea 11:07 - Natasha’s path to wealth management 18:22 - The life of a wealth manager  22:49 - Money insights from a wealth manager 25:01 - What is the big difference being “rich” and being “wealthy”  29:56 - Pitfalls of trying to appear rich! 33:08 - The steps to wealth 37:06 - Tools to help you build wealth ? 43:22 - How money causes breakdown in a relationship 48:38 - How transparent should you be with money in your relationship? 53:02 - Key questions couples need to ask themselves  57:52 - What will happen if you don’t talk about money in your relationship  01:01:42 - Other Financial red flags 01:03:45 Couples managing their finances 01:11:49 - What it’s like working with financial advisors 01:17:03 - Can a couple hire a financial advisor? 01:18:31 - How to build wealth together ? 01:21:32 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices
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  • EP. 147 - Financial Advisor: The Truth About Getting Rich In the UK And Building Wealth! ft. Michael Donkor
    Joining us in the booth this week is certified financial planner and financial advisor, Michael Donkor who has worked in the finance industry for over a decade. In this episode we discuss: Can you still become rich in the UK? The pro’s and con’s of investing and how it can help you build wealth Michael’s 10 year lessons of working in finance How Michael’s client became a millionaire in their 20’s The difference between “rich” and “wealthy” Why retirement planning needs to be balanced! 2 actions to start investing today and much more 🔗 Connect with Michael: Instagram: https://www.instagram.com/mikegdonkor Linkedin: https://www.linkedin.com/in/michaelgdonkor 📩 Sign up to my mailing list to be the first to know about upcoming events: http://eepurl.com/hJEcLL Sponsor Tide - Get an Instant Savings Account Earning 4.07% AER Variable for your Business: https://tide.onelink.me/IS48/SavvyWallet T&C's apply. ➡️ Follow Savvy Wallet on: Instagram: https://www.instagram.com/savvywallet TikTok: https://www.tiktok.com/@savvywallet Check out our partners who offer Stocks and Shares ISA and more: ⚡️Trading 212⚡️(This is Ato's investing platform of choice) Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account. When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply. ⚡️Hargreaves Lansdown ⚡️ http://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 00:00 - Preview 01:18 - Intro 01:53 - Meet Financial Planner and Financial Advisor Michael 06:56 - Tide Ad 08:11 - Growing up in Hackney 13:44 - How I became a financial planner 21:32 - What’s the difference between a financial planner and financial advisor?  27:15 - How my clients make money! 32:39 - My “aha” moments from working in finance for over a decade  36:48 - Ways to build your wealth! 38:16 - Savvy Wallet Ad 42:10 - Benefits of investing in the stock market?  48:23 - Risks of investing in the stock market  50:37 - How to identify what to invest in? 52:50 - My client became a Millionaire! 57:38 - Benefits of a Stock and shares isa  59:26 - Lessons learnt from investing for clients 01:01:28 - Sensible amount of money to invest every month? 01:03:55 - How do you save for a house and invest at the same time ?  01:09:45 - This person wanted to become a millionaire in 5 years 01:12:33 - 2 actions to start investing today 01:14:37 - This is the number one investment 01:18:17 - Can you still become rich in the UK? 01:23:18 - Factors to decide if the UK is right for you? 01:27:11 - The Money System in Switzerland 01:31:28 - Final words 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. 146 - Tech Career Experts: Recruiters Are Hiding Jobs! How To Land Your Next Tech Role! ft, Roxanne & Joanna (Tech Talk Uk)
    In this episode we have Roxanne who is a Go To Market Leader driving growth in a fintech company and Joanna who is a Marketing Leader leading the marketing effort and tech startups and they are the founders of Tech Talk. In this episode we discuss: - How to land your first tech role - Non-coding tech roles you don’t know about - Deciding the right company for you - How you can earn more working for a scale-up than in big tech - How to access the hidden job market - Tips to actually land your next dream job and much more! 🔗 Connect with Tech Talk UK: Instagram: https://www.instagram.com/techtalkuk 📩 Sign up to my mailing list to be the first to know about upcoming events: http://eepurl.com/hJEcLL ➡️ Follow Savvy Wallet on: Instagram: https://www.instagram.com/savvywallet TikTok: https://www.tiktok.com/@savvywallet Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: 📚Coursera https://imp.i384100.net/savvywallet Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business: Tide - https://tide.onelink.me/IS48/SavvyWallet T&Cs Apply. Check out our partners who offer Stocks and Shares ISA and more: ⚡️Trading 212⚡️ Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account. When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply. ⚡️Hargreaves Lansdown ⚡️ http://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 00:00 - Preview 00:57 - Intro 01:32 - Meet Tech Career Experts Roxanne and Joanna 04:08 - Joanna growing up in Brazil  05:22 - Roxanne growing up in South Africa  07:29 - How their environments shaped them  10:23 - The challenges of living in Beijing, China for 6 months  17:05 - How Roxanne became a GTM leader for a fintech company 23:34 - How Joanna became a marketing leader 28:40 - Actionable steps that enabled us to get our roles in Tech  32:04 - The hidden job market  36:57 - Mistakes we’ve made in our careers 42:06 - How to get your first tech role 45:38 - Non-coding tech roles you don’t know about 49:31 - How to decide the right company for you  55:35 - How to access the secret job market  01:06:24 - How to actually pass an interview and secure your next job 01:14:16 - What to expect from Tech Talk  01:17:12 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices
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