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: 

🔗 Connect with Deborah:

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

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

📩 Sign up to my mailing list to be the first to know about upcoming events:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠

💼 What's in The Wallet

Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠⁠

🤝 Partners

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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In this episode, Ato speaks with Peter Ferrigno, Director of Tax Services at Henley & Partners who is the global leader in residence and citizenship planning.

- How Millionaires leaving the UK impact it’s economy

- The countries with the lowest tax rates

- What you should consider before moving abroad

- How to protect your financial future and much more

🔗 Connect with Peter:

Linkedin: https://www.linkedin.com/in/peterferrigno1

📩 Sign up to my mailing list to be the first to know about upcoming events:

⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠

💼 What's in The Wallet

Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠

🤝 Partners

TIMESTAMPS

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

Michael is a certified financial planner and financial advisor with over a decade of experience in the financial services industry.

- Pro’s and cons of using a pension for retirement

- What you need to do differently to speed up your retirement

- What are RSU’s and stock options and how to build wealth with them

- Building a balanced retirement portfolio and much more

🔗 Connect with Michael:

📩 Sign up to my mailing list to be the first to know about upcoming events:

⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠

💼 What's in The Wallet

Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠

🤝 Partners

TIMESTAMPS

0:00 - Preview

1:01 - Intro

1:12 - Meet Financial Advisor, Michael

4:49 - When I thought wealth was possible for me 

12:07 - Client story that changed my perspective on life

18:27 - When you retire you grieve your job

22: 30 - How serious is the retirement problem for previous generations 

28:45 - What does retirement mean for you? 

30:58 - When should you contribute to your pensions? 

34:59 - Invest in things you’re interested in

39:44 - S&P 500 & Global index funds in your pensions

42:25 - How to retire with a pension

47:36 - When you can no longer get tax benefits from a pension 

50:15 - How to utilise the stock market to retire earlier 

55:16 - What you need to do differently to retire earlier? 

1:02:38 - The approach to the stock market to retire earlier 

1:04:01 - What are stock options and RSU’s and how to build wealth with them 

1:09:50 - The downsides of RSU’s

1:14:24 - How to use property for retirement?

1:18:55 - A balanced retirement plan

1:20:02 - What’s in The Wallet 

1:23:14 - Final Words

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Hey Folks!

I hope you’re enjoying the weekend!

Just to let you know the podcast will be on a short break for 1 week and will return on the 14th July. 

I need a short break to replenish my battery and go strong for the second half of the year. In the meantime why not check out previous episodes that you've missed.

I’ve got so many amazing conversations coming up so please stayed tuned and I’ll see you soon!

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In this bonus episode, recorded live at the Morningstar Investment Conference, Ato speaks with Ryan Murphy, Global Head of Behavioral Insights at Morningstar — a leading global investment research and management firm known for its trusted data, analysis, and expert insights that help investors make informed decisions.

📩 Sign up to my mailing list to be the first to know about upcoming events:

⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠

💼 What's in The Wallet

Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠

🤝 Sponsor

Tide - Earn up to 4.22% AER Variable on your business savings here:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply.

Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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.

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In this episode, Ato speaks with Joyce Idoniboye, Chief People Officer at Oxfam GB she is an accomplished Human Resources leader with over 20 years of experience spanning the non-profit, investment banking, and legal sectors.

- How she went from working in a hotel to Chief People Officer

- How to stand out to your manager and get promoted

- Negotiating your salary

- Career Skills that will be valuable in an AI world

- How to stand out in the job market and much more

📩 Sign up to my mailing list to be the first to know about upcoming events:

⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠

💼 What's in The Wallet

Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠

🤝 Sponsor

Tide - Earn up to 4.22% AER Variable on your business savings here:

⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠⁠⁠⁠

You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply.

Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠⁠⁠⁠

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.

TIMESTAMPS

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In this episode, Ato speaks with Ayesha Ofori a multi-award-winning business woman, property investor, angel investor, and the founder & CEO of Propelle, a female-focused investment platform.

- How she became an executive director at Goldman Sachs

- Was there pressure managing £500 million of client's money

- Can you becoming wealth from a 9-5?

- Turning your salary into assets

- A portfolio approach to Investing in startups and much more

🔗 Connect with Ayesha:

📩 Sign up to my mailing list to be the first to know about upcoming events:

⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠

💼 What's in The Wallet

Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠https://tally.so/r/w5gzdE⁠⁠

🤝 Sponsor

Tide - Earn up to 4.22% AER Variable on your business savings here:

⁠⁠⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠⁠⁠

You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply.

Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠⁠⁠

🤝Partners

Check out our partners who offer Stocks and Shares ISA and more:

⚡️Hargreaves Lansdown ⚡️

⁠⁠⁠https://hl.7eer.net/B0mz50⁠⁠⁠

Capital at risk

⚡️Interactive Investor ⚡️

⁠⁠⁠⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠⁠⁠⁠

Capital at risk

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.

TIMESTAMPS

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 Mike Coop is the Chief Investment Officer for Morningstar Investment Management in Europe, the Middle East, and Africa, with over 37 years of experience in financial services.

- How to build a well diversified stock portfolio

- S&P 500 vs Global Index Funds

- Is it too late to invest in AI?

- What’s the future of the magnificent 7 (Tesla, Apple, Microsoft, Google, Meta etc)

- How can investing build your wealth and much more!

📩 Sign up to my mailing list to be the first to know about upcoming events:

⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠

💼 What's in The Wallet

Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠https://tally.so/r/w5gzdE⁠

🤝 Sponsor

Tide - Earn up to 4.22% AER Variable on your business savings here:

⁠⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠⁠

You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply.

Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠⁠

🤝Partners

Check out our partners who offer Stocks and Shares ISA and more:

⚡️Hargreaves Lansdown ⚡️

⁠⁠https://hl.7eer.net/B0mz50⁠⁠

Capital at risk

⚡️Interactive Investor ⚡️

⁠⁠⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠⁠⁠

Capital at risk

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.

TIMESTAMPS

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Joseph Obeng is a qualified financial advisor with over 12 years in the financial services industry. He’s the author of Flow State Money, a book that blends psychology and personal finance to help you manage money with clarity and confidence.

In this episode we discuss:

- The obsession with buying property

- The societal pressure of getting on the property ladder

- Investing in property vs investing in the stock market- Is renting throwing away money?

- How the stock market could fast-track your financial freedom

- How to design the life you want and much more

Connect with Joseph:

Instagram - https://www.instagram.com/joefinancialplanning

Grab a copy of Joseph's book "Flow State Money" here: https://amzn.to/45fDf3p

📩 Sign up to my mailing list to be the first to know about upcoming events:

⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠

💼 What's in The Wallet

Submit any question anonymously and it may get answered in future episodes. Drop your question here: https://tally.so/r/w5gzdE

🤝 Sponsor

Tide - Earn up to 4.22% AER Variable on your business savings here:

⁠⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠⁠

You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply.

Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠⁠

🤝Partners

Black Business Show - Get 15% of tickets with the code "UKBB15"

Check out our partners who offer Stocks and Shares ISA and more:

⚡️Hargreaves Lansdown ⚡️

⁠https://hl.7eer.net/B0mz50⁠

Capital at risk

⚡️Interactive Investor ⚡️

⁠⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠⁠

Capital at risk

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.

Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Ato speaks with Perry, a cab driver, property entrepreneur, author and went on the journey of financial independence at the age of 57 and he achieved financial independence (light) in 3 years.

In this episode we discuss:

- Why Perry decide to change his life at 57

- Shifting from 40 hours a week or 80 hours a week to make extra income

- How he managed to buy multiple properties on a minimum wage

- How he achieved financial freedom 'light' in 3 years

- The mindset required to attain a wealthy life

- How anyone can change their financial life and gain financial freedom much more

Connect with Perry:

📩 Sign up to my mailing list to be the first to know about upcoming events:

⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠

🤝 Sponsor

Tide - Earn up to 4.22% AER Variable on your business savings here:

⁠⁠⁠⁠⁠https://www.tide.co/offers/savvywallet/⁠⁠⁠⁠⁠

You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply.

Save more, earn more—up to 4.22% AER (variable). Interest rates are tiered, with the top rate for balances over £1M. Each tiered rate applies to the portion within that range. New Tide members get these rates free for 6 months; after that, your Tide plan’s rates apply. For the full offer T&Cs visit ⁠⁠⁠⁠⁠tide.co/savings.⁠⁠⁠⁠⁠

🤝Partners

Black Business Show - Grab FREE tickets with the code "SAVVYFREE"

Check out our partners who offer Stocks and Shares ISA and more:

⚡️Hargreaves Lansdown ⚡️

⁠https://hl.7eer.net/B0mz50⁠

Capital at risk

⚡️Interactive Investor ⚡️

⁠⁠⁠⁠⁠https://prf.hn/click/camref:1101l3RTLM/ar:SW⁠⁠⁠⁠⁠

Capital at risk

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.

TIMESTAMPS

0:00 - Preview

0:56 - Intro

1:31 - Meet Property Investor Perry Wilson

6:12 - Why I stopped working as a bartender

11:45 - I started working 80 hours a week

14:02 - Why I decided to buy a property & how much it cost

15:48 - Tide Ad

21:05 - Becoming financially free light

22:16 - This property was a nightmare!

24:45 - How I learnt to raise money for property

26:13 - Buying a 10 property deal

29:20 - Losing 40% of my rental income

31:56 - Millionaire mindset

34:16 - Why I decided to use the buy to let strategy

38:46 - Challenges with scaling my buy to let portfolio

45:12 - Can you really buy property with minimum wage?

50:51 - Steps to financial independence

55:17 - How much should you roughly save for a first rental property?

59:08 - Second jobs/side hustles will supercharge your earnings

1:07:28 - Why I’m so disciplined

1:09:50 - My retirement goal

1:15:15 - How to start raising money for your property

1:22:00 - Is buy to let still viable in 2025?

1:23:08 - Perry’s book: “Minimum Wage Millionaire”

1:26:44 - Final words

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