As we step into 2026, many people are setting financial goals: save more, invest better, stop living pay-to-pay. But if 2025 taught us anything, it’s this wealth is rarely built through one big decision. It’s built through small, consistent habits, repeated over time.In this reflective solo episode, Arlyne Chinyanganya, Founder of Roots to Froots and host of From Roots to Froots, shares the two most powerful money lessons she’s learned from working with individuals and families throughout 2025:1. Money success is behavioural, not mathematical2. Tracking and awareness create controlIf you’re serious about growing your wealth and building a healthier relationship with money, 2026 isn’t about doing more — it’s about doing better.What You’ll Learn in This Episode• Why wealth starts with awareness, not willpower• How tracking your money creates clarity without shame• The real reason high earners still struggle financially• Why starting small beats waiting to feel “ready”• How long-term thinking and simple habits lead to sustainable wealthArlyne breaks down why paying attention to your money matters more than earning more, and how compounding, patience, and consistency outperform quick wins every time.Key Habits to Take Into 2026• Spend 10 minutes a week reviewing your finances no judgement, just facts• Focus on consistency over perfection• Start where you are it’s never too late to build wealthWhether you’re just beginning your financial journey or looking to reset after a challenging year, this episode will help you approach 2026 with clarity, confidence, and intention.🎧 Listen now and start building wealth from the roots up.

Episode 53 is here, and we’re diving deep into the world of property investment and development with Julianah Owusu — founder of Property By Jewels.

Julianah has spent years building her expertise in property, from buy-to-let to development, and today she opens up about the mindset, challenges, and strategies behind her journey.

In this episode, we explore:Julianah’s Journey

🚀How she started her path into property investing and development

🚀The moment she found the confidence to build her own business

🚀Her attitude towards money and wealth-building

🚀The biggest challenges she has faced as a property developer

Property Investing: What You Need to Know

💰How much money you actually need to get started

💰Unexpected costs new investors are often shocked by

💰How economic changes, inflation and interest rates have impacted the property world

💰The different property investment routes and strategies

The most common mistakes new investors make!

📚Julianah’s book recommendation: The Bible

📚Insight into her mentorship programme

How you can connect with Julianah: Linktree: https://linktr.ee/propertybyjewels

Whether you're thinking about your first investment or looking to grow your portfolio, this conversation gives you practical guidance and real-life wisdom from someone who’s walked the path.

Listen, learn, and take your financial journey to the next level.

In this episode, we sit down with Matthew Addai — entrepreneur, day trader, and the visionary cofounder of CashBlack & Afrofiliate, the UK’s first cashback platform dedicated to supporting Black-owned businesses.**Matthew shares how a simple idea born from his trading background grew into a powerful economic engine designed to keep more pounds circulating in the Black community. From mindset to money, business ecosystems to generational wealth, this conversation is full of gems. 💎What We Cover in This Episode🔥 The origin story of Cash Black🔥 How Matthew went from day trading to founding a fintech platform🔥 The huge spending power of the Black community — and why it rarely stays within it🔥 How cashback rewards can drive real economic change🔥 Navigating entrepreneurship while building a mission-driven brand🔥 Why supporting Black-owned businesses is bigger than just “being Black”🔥 The mindset shifts that help people grow wealth🔥 Matthew’s long-term vision for Cash Black and community empowerment His mission? To build a stronger economic ecosystem for Black communities through everyday spending.🔗 Connect With MatthewWebsite: https://www.cashblack.comInstagram: @cashblackhqLinkedIn: https://www.linkedin.com/in/mattyaddai/🌱 About From Roots to FrootsFrom Roots to Froots is a financial wellbeing platform empowering individuals, families and communities with real, relatable conversations about money, wealth-building and financial confidence. Hosted by Arlyne Chinyanganya.❤️ If you enjoy the episode…✔️ Like✔️ Comment✔️ Subscribe✔️ Share with someone building wealth!

From Accountant to Entrepreneur | My Honest Career Change Story. In this video, I share the real, unfiltered journey of pivoting from a stable finance career to launching my own financial wellness company, Roots to Froots.If you’ve ever felt called to change direction — even later in life — but fear, uncertainty, or imposter syndrome held you back… this one is for you. 💛We explore:🔸 Why I pivoted after 12+ years in finance🔸 The emotional and practical challenges of starting a business🔸 How to discover and define your “why”🔸 The realities of winning contracts & attracting sponsors🔸 The role of resilience and what kept me going🔸 Lessons for accountants and professionals considering a switch🔸 What I wish I knew before taking the leapWhether you’re thinking about starting a business, switching industries, or rediscovering your purpose, this conversation will give you clarity, courage, and direction.✨ You’re not behind. You’re right on time.And your next chapter might just be your most powerful one.⸻🙌 Join the conversation!Comment below: Are you considering a career pivot? What’s holding you back?Subscribe for more content on career transitions, financial wellness, and building the life you want.#CareerPivot #EntrepreneurJourney #AccountingToEntrepreneur #RootsToFroots #WomenInBusiness #FinanceCareer #CareerChange #BusinessJourney #Motivation #FinancialWellness

Founder of Finance Is Fun With Rach | Commercial Finance Manager | Financial Educator

Today’s episode features the incredible Rachael Aluko, the creator behind Finance Is Fun With Rach — a platform dedicated to simplifying money and empowering people to take control of their finances. Rachael is known for breaking down complex financial concepts on TikTok and Instagram in a way that’s fun, engaging, and easy to understand.

In this conversation, we dive into her journey, mindset, and practical advice, all while playing Connect Four to make finance even more fun.

📚 Recommendations from Rach

• Book: Money Explained

• Show/Documentary: The Laundromat

⸻

🎓 Rachael’s linktree

Learn more about how to manage your money, build financial confidence, and understand key money concepts through her excel spreadsheet https://linktr.ee/Financeisfunwithrach?utm_source=linktree_profile_share

⸻

🤝 Connect with Rachael Aluko

TikTok: @financeisfunwithrach

Instagram: @financeisfunwithrach

⸻

🔗 Connect with the Podcast

Follow, subscribe, and leave a review if this episode helped you level up!

In this powerful solo episode, From Roots to Froots host Arlyne Chinyanganya — financial wellness coach, qualified accountant, and 2024 Top 50 Woman in Accounting — unpacks the hidden gender gap in pensions and what it really means for women’s financial futures.

Inspired by Dr. Hayley James’ groundbreaking book Pension Saving in a Gendered Lifecourse, Arlyne explores how gender, life stages, and societal expectations quietly shape the way we save, invest, and prepare for retirement.

Whether you’re in your 20s, 40s, or beyond, this episode will help you understand why pensions aren’t just about money — they’re about freedom, independence, and the power to live life on your own terms.

In this episode, you’ll learn:
💡 Why pensions reflect your life story — not just your salary
💡 How career breaks, childcare, and part-time work affect retirement wealth
💡 Why women’s financial experiences are shaped by culture and expectation
💡 How to build financial confidence, no matter your age or income
💡 Simple steps to start preparing for your retirement today

Key takeaway:
Your pension is not just a savings pot — it’s a mirror of your journey, your resilience, and your future freedom.

Mentioned in this episode:
📘 Pension Saving in a Gendered Lifecourse by Dr. Hayley James
🌿 From Roots to Froots Financial Wellness Workshops — www.rootstofroots.com
🎉 EmpowerHer 2026 – Celebrating women’s financial confidence and independence

Connect with Arlyne:
Instagram: @fromrootstofroots
LinkedIn: Arlyne Chinyanganya
YouTube: From Roots to Froots

Host: Arlyne Chinyanganya
Duration: 45 mins

In this episode, Arlyne explores the world of sponsorship — what it really means, how to attract the right partners, and how to create win-win collaborations that grow your business or community project.

💬 Highlights:
00:00 – Introduction: Rethinking sponsorship as partnership
03:15 – Defining your value proposition
06:30 – Building a sponsorship deck that stands out
10:45 – Finding the right sponsors (and where to look)
13:00 – How to pitch with confidence
16:50 – Delivering value and building long-term partnerships
18:00 – Common mistakes to avoid
22:30 – Seeds to Sow: Final reflections on clarity and confidence

🌿 Key Takeaway:
Sponsorship isn’t about asking for help — it’s about creating shared value. When you clearly communicate your purpose and impact, brands will want to partner with you.

📌 Resources Mentioned:

• HubSpot Sponsorship Proposal Template

• Canva and Notion Deck Builders

• LinkedIn for Networking

🔗 Connect with From Roots to Froots:
Instagram: @fromrootstofroots
LinkedIn: Roots to Froots

Subscribe and share if you found this valuable!

In this episode of From Roots to Froots, we sit down with property investor Ernest Lukovnikovas, whose journey from low-paying jobs and long hours to financial freedom through real estate is nothing short of inspiring. 💼🏡

Ernest shares how he went from listening to Rich Dad Poor Dad during food delivery shifts to becoming an award-winning estate agent and a successful property investor. Along the way, he learned key lessons about mindset, valuation, and the power of leveraged growth — and now he’s helping others transform their futures through smart investing.

✨ In this episode, we explore:

• Ernest’s journey into property investing and early lessons learned

• The key skills from estate agency that give investors a winning edge

• Different property investment strategies: Buy-to-Let, HMO, Flips, Rent-to-Rent & more

• Common mistakes new investors make (and how to avoid them!)

• The value of mentorship and working with professionals vs. going solo

• How to choose the right wealth-building vehicle — property, stocks, crypto, or something else

• Why mindset, patience, and research matter more than hype

💡 Whether you’re a first-time buyer, aspiring investor, or entrepreneur looking to diversify your income, this conversation offers practical, real-world advice you can start applying today.

📚 Mentioned in this episode:

• Rich Dad Poor Dad by Robert Kiyosaki

• Ernest’s LinkedIn

• Property solicitor timeline (available on Ernest’s LinkedIn page)

  
  

🔔 Subscribe to From Roots to Froots for more empowering conversations on finance, entrepreneurship, and building generational wealth.

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In this episode, Arlyne explores the alarming rise of online scams and cryptocurrency fraud targeting the African diaspora. As digital finance becomes more accessible, so too have scams evolved — exploiting trust, cultural networks, and promises of quick financial growth. With advanced technology and AI-driven fraud, these crimes are harder to detect and even harder to prosecute.

We discuss how financial literacy, community education, and critical thinking can protect individuals from falling victim to scams — and why these digital threats are more than just financial losses; they’re an issue of trust, identity, and empowerment.

1. The Digital Trap: How Technology Has Transformed Scam: Scammers now use deepfakes, cloned websites, and AI chatbots to appear legitimate.

   • Cryptocurrency “investment clubs” and fake trading platforms are on the rise across WhatsApp and Telegram.

2. Why the African Diaspora Is Particularly Vulnerable.

   • Community trust networks are manipulated through social proof (“friends” or family members sharing fake success stories).

   • Financial exclusion and limited access to credible investment advice increase exposure to unregulated schemes.

3. Crypto Scams: The New Frontier

   • Fake exchanges and “celebrity-endorsed” crypto tokens have become common traps.

   • Victims often lose thousands through “get-rich-quick” programs advertised via social media influencers.

4. Financial Literacy as Defence

   • Empowering communities through education and open dialogue is key.

   • Encouraging people to verify registration of financial platforms (e.g., FCA register).

   • Promoting peer accountability and transparent money discussions.

5. Building Trust in a Digital Age

   • Community-led financial education programs (like Roots to Froots) help individuals make informed digital finance decisions.

     
     

• Verify before you invest: Always check if the company is FCA regulated.

• Be cautious of unsolicited investment offers and “guaranteed returns.”

• Discuss money openly with trusted peers — secrecy benefits scammers.

• Use secure, traceable payment methods — avoid crypto transfers to unverified wallets.

• FCA Warning List on Investment Scams (UK)

• World Bank: Migration and Remittances Data

• The Guardian – “Crypto Scams on the Rise Amid Cost of Living Crisis” (2024)

• BBC News – “The New Wave of African Crypto Scams” (2023)

• Reuters – “How AI Is Powering the Next Generation of Financial Fraud” (2024)

🌱 From Roots to Froots | Faith, Finances & Freedom with Benedicta Egbeme

In this inspiring episode, Arlyne sits down with Benedicta Egbeme — financial adviser, wealth strategist, and Apostle to the marketplace — to explore the deep connection between faith, mindset, and money.

Together, they discuss:

✨ How Benedicta’s journey led her from traditional financial advising to helping individuals and business owners align spiritual wellbeing with financial success

💡 The first money lesson that changed her life — and how your own mindset can transform your wealth

🧘🏽‍♀️ Why fear, shame, and scarcity often block abundance — and how spirituality can open the door to financial freedom

💰 The biggest money mistakes entrepreneurs make and how to avoid them

👩🏽‍💼 The unique challenges women face with money — and how mentorship and community can change everything

🌍 What “wealth transformation” truly means — and how to start building legacy wealth right where you are

🎧 Tune in to learn how to combine practical money management with purpose, faith, and alignment.

Recommended Resources:Book: The Bible for timeless financial wisdom.

YouTube: https://www.youtube.com/@BenedictaEgbeme

Don't forget to follow ⁠Benedicta https://www.benedictaegbeme.com on social media

Join us next week for more Seeds to Sew!

📌 Don't forget to LIKE, COMMENT & SUBSCRIBE for more insights on financial growth! 

📩 Email us at [email protected]

🎟️ Join our next in-person workshop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Eventbrite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Keep Shining 🚀🤩#FinancialWellness #FaithAndFinance #WomenInBusiness #MoneyMindset #WealthTransformation #FromRootsToFroots