The Rich Immigrant

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The podcast is back after an unplanned one month hiatus. In this episode, I answer a listener question about Health Savings Account (HSA). 

In episode 136, I shared that I learned about the HSA from my colleagues but It took me 9 years to fully get on board. But, I don't want my listeners to make the same mistake. So, we talk about

1. What a health savings account is

2. How it works and what the triple tax advantage is

3.  Who the HSA might be best suited for (it depends)

4. Common mistakes or pitfalls with HSA

5. How the HSA is actually used to build wealth

6. My personal HSA journey

I love getting and answering your questions. Please keep them coming ya'll!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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In this episode of the podcast, my guest and I have a much needed conversation on how to teach kids about money. In this episode, Amina and I Talk about:

• Her background and her aha moment with money
• When she started thinking about teaching her kids about money
• Age appropriate money lessons for kids
• What NOT to say to kids about money
• Raising sons in today's society
• Partnership in Parenting

It is such a rich conversation and I recommend it for all parents, and aspiring parents. 

Amina Odukoya works as a product manager in the finance industry, and before that spent several years in frontline roles across retail, small business, and corporate banking. She's also a mum to two boys.

Her interests sit  at the intersection of money, identity, and access, especially supporting first generation immigrants in the UK to understand money and financial systems in a way that actually makes sense, without jargon or shame. She also cares deeply about mentorship and helping people have an easier and less isolating career journey than many of us experienced.

Outside of work and parenting, she enjoyd dancing, travelling, cycling, writing poetry, crafting, and finding joy in ordinary, everyday life.

Follow Amina on instagram at  @amina.o, and she also shares money related reflections at @moneymondayswithamina. Give her a follow or join her accountability group to build community and wealth!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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Welcome to season 14 of the podcast and in this episode, I'm talking about how money conversations changed the course of my financial journey. My journey began at a time it wasnt cool to talk about money, so I dug my heels in and paid off my debt in silence. Then I had conversations

1. With a colleague whose parents bought her a home in cash
2. Another colleague who lived at home and started maxing out retirement accounts right away
3. Another colleague who introduced me to the Health Savings Account
4. Yet another colleague on brokerage accounts and investing for early retirement
5. With my friend on angel investing. 
6. The podcast today and more

These conversations all left me with something, they opened my eyes to possibilities and ultimately led to action on my end. I'm an advocate for healthy money conversations and I hope this encourages you to have more money conversations in your circle and beyond! Put your people on!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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If you've ever set goals in January that felt inspiring, and by March you were tired, behind, or quietly ashamed, then this episode is for you. 

In this episode, we are talking about a better way to set goals for 2026, one that actually fits your life. 

Instead of chasing goals that look impressive, we focus on goals that are supported by capacity, systems, and real life constraints, especially for immigrants navigating career, money, family obligations, and life abroad. 

You'll learn:

- Why most goals fail even when motivation is high

- How to filter goals through your capacity and non-negotiables

-The difference between outcomes and actions (and why actions matter more)

- Accountability rhythms that make goals stick

2026 doesnt need a new version of you. It needs a better supported version of you. 

Listen now, and set goals that actually stick!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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As we move toward the end of the year, it's tempting to rush into new goals. But before 2026 can be successful, it needs to be sustainable. 

In this episode, we slow down and focus on foundations - capacity, boundaries, trade-offs, and systems. These things allow high-achiveing, globally minded people to move forward with clarity and peace. 

In this episode, we talk about:

• Closing 2025 honestly
• Defining your real capacity
• Deciding what you're NOT optimising
• Building systems that actually support your life

Winning in 2026 isn't about hustling harder,. It is about sustainable rhythms, and clarity. This isn't about becoming someone new, it is about becoming more honest and intentional with the life you already have. Watch out for Part II next week!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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In this episode, we are diving into the unspoken rules that keep friendships intact when celebrations cross border, budgets, and big life moments. Whether  youare hosting an international milestone, or deciding whether to attend one, this episode will help you navigate expectations with honesty, grace, and clarity. 

I share my perspective as a personal finance enthusiast, an immigrant, someone who lives far from the people I love, someone who has traveled for celebrations, and soneone who recently hosted my own international celebration.

We'll cover everything from why an invite is NOT an obligation, to how to communicate early, what hosts should and shouldnt cover, gift expectation, tips on splitting costs, and so much more.

This episode is full of practical heartfelt advice and I hope you listen and share it. It just might save a friendship.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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Join me as I take a trip down memory lane to my 20s. The decade that adulting hit me! I share the biggest financial lessons (some I only learned after my 20s) so you don't have to learn them the hard way.

From taking calculated risks, fixing your relationship with money, to learning that looking rich is not the same thing as being rich - this episode is packed with insights to help you build a solid financial foundation. 

Whether you're in your 20s or you know someone who is, these lessons will help you grow wealth, confident, and financial freedom. Listen!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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We are back!!!! 

I turned 40 in September and handed over my mic to my sister friend, Kemi Onabanjo.  We skipped our annual podcast conversation last year but we made up for it with this conversation. 

This one's just like you're hanging out with us as we converse. There's a lot of banter, laughter, honesty, and depth. It's not us if we aren't reflecting on lessons!!

We touch on so much in this episode and I hope this episode meets you where you are. All I want for my birthday episode is that you share this podcast with someone in your world that you think needs this episode or any other episode.

Thank you for listening, and happy birthday to me!!!!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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In the very last episode of this season of the podcast, I answer listener questions and they cover the following

1. My thoughts on an mlm

2. If I would date or marry a man who made significantly less than I do

3. Would I get a prenup? How to broach the conversation with a potential partner

4. Paying down a mortgage faster or investing for children. Which would pay off better>

5. Legal insurance. 

And so much more!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'

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Becoming a parent changes everything, including your finances. In this episode, I sit with Charlene, a financial coach and mom, to talk about what it really takes to prepare financially for parenthood. We go beyond nurseries and baby showers to dig into the mindset shifts, practical steps, and money truths every parent should know. 

We cover:

• Where financial preparation for parenthood really begins
• How to balance dreams for your child with financial realities
• The biggest money mindset shirt new parents need
• Non-negotiable financial steps before having a baby
• Navigating roles in relationships as parents
• How to save for your child's futurw without neglecting your own
• The cultural and emotional pressures parents face around money

Whether you're planning for a baby, already parenting, or simply want to be more intentional with your finances, this episode will give you both the encouragement and the strategies to make confident money moves as you grow your family. 

Charlene Tilbanie is a chartered accountant, corporate vice president in the captive insurance industry, and a money coach who makes money management simple and sustainable for busy professionals and families.
With 20+ years in financial services, she blends behavioural insight with practical systems aimed at reducing financial stress and improve decision-making. After paying off her consumer debt in just 15 months, Charlene built practical frameworks that help clients create margin, build wealth, and live with purpose.
She coaches, leads workshops, and is authoring an upcoming book that translates complex finance into plain language. Based in the Cayman Islands, she serves audiences across thenCaribbean and beyond. Charlene can be found on Instagram and Threads under the namen“Charlene Money Coach.”

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs  to hear these conversations.  Please join our community online at www.therichimmigrant.com or on  Instagram at 'Therichimmigrant.'