The Savvy Wallet Podcast

In this episode Ato speaks with Frederick Afrifa and Gordon K Williams — founders of leadership communication group and co-authors of Unmute Yourself.

They help people communicate with clarity, confidence and impact, using speaking as a powerful tool to unlock career and business opportunities.

We discuss:
- How to speak with confidence and clarity

- Why miscommunication is costing you more than you think

- Minimising nerves before you speak

- How to stop rambling and speak concisely

- The art of listening and much more!

🔗 Connect with Frederick:
Instagram: https://www.instagram.com/frederickafrifa_/

🔗 Connect with Gordon:
Instagram: https://www.instagram.com/gordonkwilliams.co/

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🗞️ Read Savvy Wallet: The Wealth Edit:
https://savvywallet.substack.com/
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🤝 Partners

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 Kazy — a property investor and developer behind Property by Kazy, with over a decade of experience in the UK property market.

We discuss:
- Big banks buying up property & what that means for you

- Why you don't need 7 streams of income

- The glamorisation of overworking (and how to have a better work life balance)

- Is buy to let dead in 2026?

- Best property strategies for beginners and much more

🔗 Connect with Kazy:
Instagram: https://www.instagram.com/propertybykazy/

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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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🤝 Partners

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

---

🤝 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.

---

🤝 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