July 28, 2025

EP.181 - Ex-Private Banker: If I Wanted To Go From Zero To Serious Wealth, I’d Do This! ft. Deborah Williams

1 hour 41 minutes

In this episode, Ato speaks with Deborah Williams is a seasoned financial professional who held roles in private banking and relationship management at top institutions including NatWest, Brown Shipley, Coutts, and C. Hoare & Co where she advised high-net-worth individuals.

She was a 2018 finalist for Private Banker of the Year at the Women in Finance Awards and now works as a financial coach and moderator with Female Invest and Black Girl Finance.

We discuss:

3 most surprising things she encountered working in private banking

Defining your wealth identity

The 5 stages of wealth: from zero to building wealth to leaving a legacy

Key accounts needed to build up your savings and wealth

What it really means to create a lasting legacy and much more

🔗 Connect with Deborah:

Linkedin: https://www.linkedin.com/in/deborah-williams-13a81981

Join Black Girl Finance Group: https://payhip.com/b/dmiTW

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Timestamps

0:00 - Preview

1:17 - Intro

1:28 - Meet Ex-Private Banker & Financial Coach Deborah

3:24 - Growing up in North-West London

6:08 - My relationship with money

11:43 - Financial mistakes that I made

16:20 - Why I pursued a career in banking

18:41 - 3 Things that surprised me about working in private banking

26:35 - Conversations the wealthy have that we don’t!

32:52 - People don’t believe you can become wealthy with a 9-5

35:53 - Do you need to see yourself as wealthy?

40:05 - Did you ever feel stuck financially?

42:16 - Traits that say you’re financially struggle

45:38 - How to stop being in denial

51:49 - How to develop your saving operating system

53:52 - Key accounts to build up your savings

58:24 - Traits that say you’re financially stable

1:01:59 - How to not slip back into bad money habits

1:04:48 - Do this when you’re financially stable

1:07:07 - Steps to grow your wealth

1:11:30 - Unconventional ways to generate more money!

1:16:42 - How to be comfortable building wealth over the long-term?

1:18:19 - Habits and routines to preserve your wealth

1:22:00 - How to figure out the right investments for you

1:24:22 - What does creating a lasting legacy really mean?

1:27:26 - What are the essential financial things you need to do!

1:30:04 - Working with a financial coach

1:31:36 - Final words

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By Savvy Wallet