Money Espresso - no-froth conversations exploring money and life

In this episode I chat to Tina Kothari. Tina came to England as a small baby. She tells her story from getting a Philosophy Degree, to commerce and banking, to becoming a counsellor and trainer working with people with addiction and eating disorders in Europe and the USA, before working with executives at Blue Chip companies. She explains how her life experiences fired her passion for Human Rights. She has combined this passion with her love of film to launch Another Way Now, an organisation dedicated to shining a light on human rights abuses, changing conversations, and bringing action, to what is happening in the world.

Tina shares her experience of the power of stories to motivate and educate. We speak about the difference between money and currency and why money is such a cause of angst in relationships. She explains the three principles that guide her spending on her (adult) children.

She finishes off with her best money purchase for around £30 and her Money Pearls of Wisdom.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

Tina can be found at Another Way Now - https://www.anotherwaynow.org/team or on Instagram @anotherwaynow

Tommy talks about life growing up as the son of a professional footballer and his early money and life lessons. We talk about his career in finance, both in the UK and Singapore, before becoming a Client Manager and Co-Leader of the London Team for Paradigm Norton.

Tommy tells us about falling out of, and back in, love with Financial Planning. He shares the wisdom he learned from his upbringing around money, the importance of stability and the simple pleasures in life. We learn about how he and his wife are planning their financial future, managing expenditure drift and we debate the meaning of ‘enough’.

Finally, Tommy shares his best money purchase for around £30 (and the bittersweet experience of being an Evertonian!) and his Money Pearls of Wisdom.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

• You can find Tommy at Paradigm Norton here- https://www.paradigmnorton.co.uk/meet-the-team/tommy-watson and on Twitter at @tommywatsonFPFS

If you would like to talk about your money matters do feel free to contact me at:

• Twitter @RuthSturkey

• LinkedIn @RuthSturkey

In this episode I chat to Mark Cuddigan who shares his journey from tennis coach and DJ to CEO of Ella’s Kitchen and his passion for using business as a force for good.

Mark joined Ella’s Kitchen in 2011, drawn to a company whose founding mission is to improve children’s lives through developing healthy relationships with food. This purpose permeates the business to this day.

We talk about BCorps and the role that business, not just government, can and should stand for to change our world for the better. How doing the right thing and treating people well ultimately creates and builds a better and more successful business. We speak about how Mark is helping his children understand what fulfilment means and his most successful investment that has nothing to do with money.

Finally, Mark shares his best money purchase for around £30 and his Money Pearls of Wisdom, one of which might literally just change the world for the better for all of us.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

• Mark can be found at Linked In here and Twitter @CuddiganMark

• Find out more about Ella’s Kitchen here https://www.ellaskitchen.co.uk/

• Learn more about BCorps here https://bcorporation.net/

If you would like to talk about your money matters do feel free to contact me at:

• Twitter @RuthSturkey

• LinkedIn @RuthSturkey

Or

• Find out about the great work my colleagues at Paradigm Norton are up to by visiting the website here www.paradigmnorton.co.uk

Genevieve talks about winning the Women’s Rugby World cup in 1994 and the challenge of playing amateur sport at the highest level whilst building a career.

She speaks about her rise to Chief Information Officer at Pearson Plc in a time when there were few female FTSE 100 Directors. She shares her wisdom around people management, how small breaks can ‘lift’ the trajectory of a life, the importance of mentors, the ‘generosity gene’, the madness of the corporate world and working out what is ‘enough’. Fast forward to now when she lives in the Highlands running her property and food and wine business and holds a number of Non Executive Director roles, including the Rugby Football Union (RFU).

Finally, Genevieve shares her best money purchase for around £30 and her Money Pearls of Wisdom and asks how we can ease the fear of ageing and loneliness.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

• You can find Genevieve on Twitter at @GenevieveShore or learn more about her businesses on Instagram @dornochstores and @thedornochcollection.com

If you would like to talk about your money matters do feel free to contact me at:

• Twitter @RuthSturkey

• LinkedIn @RuthSturkey

Or

• Find out about the great work my colleagues at Paradigm Norton are up to by visiting the website here: www.paradigmnorton.co.uk

In this episode I chat to Martin Ruskin. Martin is a Client Director at Paradigm Norton and Board Member of the Chartered Institute of Securities & Investments (CISI).

Why am I chatting to one of my colleagues at Paradigm Norton? Well, if I am expecting our guests to share their money stories and wisdom, it’s only right that we ask one of the Client Directors of our sponsor to do so too!

In this open and honest conversation Martin shares glimpses into his early money memories, his business journey and his time as a Pastor. Martin corrects the oft misquoted ‘money is the root of all evil’ verse as we explore the relationship between money and religion.

We also discuss the cost and potential burden of school fees and the importance of seeking help when the best-laid plans get sidelined.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

Martin can be found at Paradigm Norton or on LinkedIn here: https://www.linkedin.com/in/martin-ruskin-cfp-96258019/

If you would like to talk about your money matters do feel free to contact me at:

Twitter @RuthSturkey

Or

Find out about the great work my colleagues at Paradigm Norton are up to by visiting the website www.paradigmnorton.co.uk

In this episode I chat to Holly Mackay, finance and investment expert, and founder and Managing Director of Boring Money. She talks about her mission to democratise finance and the opportunity costs of being an entrepreneur and mother to two young children.

Our conversation covers her love for language and desire to banish financial gobbledygook. The sacrifices of an entrepreneur. How covid has been a ‘feast or famine’ for many. Her crush on Mark Carney and the risk of not thinking sustainably when investing. And we philosophise around the purpose of money, what really matters and how emotions trump rational thinking when making lifestyle decisions.

Finally Holly shares her best money purchase for around £30 (or in Holly’s case a tad more!) and her Money Pearls of Wisdom.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

Holly can be found on LinkedIn here - https://www.linkedin.com/in/holly-mackay-independent-investment-expert-9044524/

If you would like to talk about your money matters do feel free to contact me at:

• Twitter - twitter.com/RuthSturkey

• LinkedIn - www.linkedin.com/in/ruthsturkey

In this episode I chat to William Adoasi about his journey from a council estate in South London to founding the innovative watch brand, Vitae London, a brand which is sold in over 30 countries, endorsed by celebrities worldwide with a mission to ‘remove as many barriers to education as humanely possible’

William is a British-Ghanaian entrepreneur, TEDx speaker, philanthropist, role model and fashion designer who is the founder and CEO of Vitae London.

William speaks about his scholarship to a Boarding School where he became aware of difference and inequality, and the power of exposure and awareness.

He talks about the opportunity in struggle and the importance of mindset and role models in achieving personal possibility. He speaks of his experience of overly identifying with money which served as his springboard to find a higher purpose in work.

Listen out for his story of meeting and dining with Prince Charles and being mentored by Richard Branson.

Finally, William shares his best money purchase for around £30 and his Money Pearls of Wisdom.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

•William can be found on Twitter & Instagram @WilliamAdoasi

•Find out more about Vitae London @VitaeLondon on Twitter and Instagram

If you would like to talk about your money matters do feel free to contact me at:

• Twitter - twitter.com/RuthSturkey

• LinkedIn - www.linkedin.com/in/ruthsturkey

In this episode I chat to Sarah Lord who shares her journey from a Medical Biochemistry degree, to Financial Planner, to President of the Personal Finance Society (PFS) via the Middle East!

Sarah found financial services and financial planning soon after leaving University where she quickly saw the good that money, well managed, can do. Her experience has included working for an insurance company, a small IFA, an Investment Manager, an accountancy practice and latterly a national financial services ‘consolidator’. All of which provided a solid grounding for her current Presidency role.

We discuss Sarah’s passion for Financial Planning and to improve the public’s confidence around money; the lessons she learned from her parents; juggling work, children and family commitments; educating her children around the value of money and the yin and yang of married life.

Finally Sarah shares her best money purchase for around £30 and her Money Pearls of Wisdom.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

Sarah can be found on LinkedIn here - https://www.linkedin.com/in/sarahlord/ or at The Personal Finance Society - https://www.thepfs.org/about-us/governance/meet-the-board/sarah-lord-biography/

Find out more about Go Henry and educating children around money here - https://www.gohenry.com/uk/

If you would like to talk about your money matters do feel free to contact me at:

• Twitter - https://twitter.com/RuthSturkey

• LinkedIn - https://www.linkedin.com/in/ruthsturkey

In this episode I chat to Carl Richards, a Certified Financial Planner, international keynote speaker and thought leader. Carl simplifies the complex using sketches and stories. His Sketch Guy column has appeared weekly in the New York Times for the past 10 years.

In this thought-provoking conversation Carl explains why money is not just about spreadsheets and ‘math’, it’s about feelings and emotions. How we spend our money is not just fact, it tells a story of our life and values. He speaks about the scarcity of money growing up, the importance of recognising the ‘rat race’ and making sure the race we each run is the one that represents our own truths and values.

Finally, Carl shares his best money purchase for around £30 and his Money Pearls of Wisdom.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

Carl can be found on Linked - https://www.linkedin.com/in/thinkingcarl/ or Twitter @behaviorgap

Check out his website, Behavior Gap (https://behaviorgap.com/)and sign up to his weekly letter

You can find his book, The One Page Financial Plan here - https://www.amazon.co.uk/One-Page-Financial-Plan-Simple-Smart/dp/1591847559

If you would like to talk about your money matters do feel free to contact me on:

Twitter - https://twitter.com/ruthsturkey

LinkedIn - https://www.linkedin.com/in/ruthsturkey/

In this episode I chat to Paula Higgleton who shares her inspiring career journey, her people management success and money and life wisdom.

Paula left school at 16 to a job in the VAT office in Southend, where she grew up. A discerning manager noticed her talent and encouraged her to join the Civil Service Day Release scheme to study for a BTEC in Business Studies. From there she joined the Inland Revenue in the then newly formed Self-Assessment team. Her desire to learn more took her to a local accountancy practice where she started her professional qualifications, then to a mid-tier firm before being approached by PWC (then Coopers and Lybrand) and five years later Deloitte where she rose from Partner to Senior Partner and Vice Chair before she retired in May 2020.

We discuss the hard work principles she learned from her parents, her money values, how to have a good night out on a fiver, how she has helped ultra-wealthy families deal with tax and legacy, embracing retirement, her passion for education and social mobility and desire to visit as many countries in the word as possible.

At the end of our conversation Paula shares her guilty money secret and her Money Pearls of Wisdom.

Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation.

Paula can be found on LinkedIn here - https://www.linkedin.com/in/paula-higgleton-6425a610