Live at the Morningstar Investment Conference, Ato speaks with 4 investing experts on how to build wealth through the stock market.

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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.⁠⁠⁠⁠⁠⁠

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Timestamps

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In this episode, Ato speaks with Ebenezer Ghanney, the Founder of WeWire a fintech company which helps to facilitate cross border payment and he’s also the former head of operations for Ghana at yellow card, the most funded cryptocurrency exchange in Africa.

- How WeWire solves the dollar crisis in Africa

- How WeWire has grown to a 7 figure business

- How to make your first £100,000 in your 9-5 or in a business

- The importance of financial discipline

- Millionaires in Africa and much more

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

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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.⁠⁠⁠⁠⁠

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Timestamps

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In this bonus episode, recorded live at the Morningstar Investment Conference, Ato speaks with Dan Kemp, Chief Research and Investment Officer 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.

In this episode we discuss:

- Why you should ignore the headlines and stay invested

- How to manage emotions during market turbulence

- The risks of reacting to short-term noise

- Morningstar’s long-term view on the UK stock market — and why it may be a hidden opportunity for investors

- A simple strategy for building long-term wealth

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

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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.⁠⁠⁠⁠⁠

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

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In this episode, Ato speaks with Lámidé Elizabeth a former banker at JP Morgan and Citibank, international real estate consultant and co-founder of professionElle network.

In this episode we discuss:

- Lámidé's key lessons from working in investment banking

- Why multiple streams of income is essential

- Building wealth with no borders

- The importance of discipline

- Key insights from millionaires & money experts she's spoken to and much more!

Connect with Lámidé:Instagram: https://www.instagram.com/lamide.elizabethYoutube: https://www.youtube.com/@Lamideelizabeth

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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.⁠⁠⁠⁠

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

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Capital at risk

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TIMESTAMPS

0:00 – Preview

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In this episode, Ato speaks with Julianah a property investor & developer with over 10 years experience in the property industry and has a property portfolio worth £2.1 million.

Connect with Julianah:

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🤝 Sponsor

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

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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.⁠⁠⁠

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

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Capital at risk

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Timestamps

53:28 - How to make a BRRR deal successful

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In this episode, Ato speaks with Chris Ball, a financial advisor, chartered accountant, and CEO of Hoxton Wealth, which provides borderless financial advice to high and ultra-high-net-worth clients, managing $2.7 billion in assets for over 7,000 clients globally.

Connect with Chris:

📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠http://eepurl.com/hJEcLL

🤝 Sponsor

Tide - Earn up to 4.48% 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 4.48% 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.⁠⁠

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

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TIMESTAMPS

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In this episode Ato has a conversation with Dr Andy Summers, who is an Associate Professor of Law at the London School of Economics. His research focuses on the evaluation and design of UK tax policies, particularly those affecting top earners and High Net Worth Individuals (HNWIs). He is the Director of the Centre for Analysis of Taxation (CenTax), a research center dedicated to contributing to the design of a more effective UK tax system.

In this episode we discuss

- The effectiveness of the current UK Tax System

- Who benefits the most and least from the current UK Tax System

- What changes need to be made to the UK Tax System

- How the UK could apply a Wealth Tax

- Whether a Wealth Tax would solve Wealth inequality and much more

Follow Dr Andy's work:

https://centax.org.uk

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Tide - Earn up to 4.48% AER Variable on your business savings here:

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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 4.48% 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.⁠

Invoice Home - Create a FREE invoice with hundreds of templates here:

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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

1:32 - Meet Tax Professor Dr Andy Summers

5:27 How does the UK tax wealth?

8:53 - How effective is the current UK Tax system?

14:38 - Is the current UK Tax system fair? 

17:22 - Tide Ad

18:51 - Why does the UK Tax system tax income differently? 

23:40 - What’s the best tax system for entrepreneurs?

25:18 - What groups gain the most and least from the UK Tax system?

31:14 - How do the rich take advantage of the UK Tax system?

36:47 - Do the rich pay their fair share of taxes?

39:01 - Invoice Home Ad

40:01 - How has the UK tax system contributed to wealth inequality?

42:19 - They’re not sharing the full picture on wealth inequality

47:41 - The proposal for taxing the wealthy and the rich

50:54 - What should be fixed first with the UK tax system

53:57 - How much could a wealth tax raise?

59:21 - At what threshold should a wealth tax apply?

1:05:01 - Will a wealth tax address wealth inequality?

1:08:04 - Should the UK have an exit tax ?

1:11:31 - Why the UK doesn’t have an exit tax 

1:17:46 - Is the current UK tax system suited to our economy

1:23:05 - What is the impact of making changes to the Tax system

1:26:21 - Could we lower income tax in the UK?

1:32:30 - Will the rich really leave if we introduce a wealth tax?

Factors 

1:40:38 - Final words

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In this episode we have Debodun Osekita, former trader at Goldman Sachs, founder of stock pickers academy a community that educates you on investing in the stock market, founder of coach cube that helps you prepare for job interviews, he is an investing coach and angel investor.

In this episode we discuss:

- Why you need to invest

- A simple way for you to start investing and building wealth today

- How just investing in the S&P 500 isn't enough

- S&P 500 vs Global ETF's/Index Funds

- Some metrics to consider when looking at investing in individual stocks

- Why Trumps tariffs on China is impacting the stock market and much more

Connect with Debodun:

Instagram: https://www.instagram.com/stockpickersacademy

Instagram personal: https://www.instagram.com/coachdebs.spa

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

http://eepurl.com/hJEcLL

🤝 Sponsor

Tide - Earn up to 4.48% 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 4.48% 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 ⚡️

http://hl.7eer.net/B0mz50

Capital at risk

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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

0:54 - Intro

1:30 - Meet Ex-Goldman Sachs Trader Debodun

5:31 - Lessons from working in Goldman Sachs 

11:44 - What is investing?

13:11 - Why should you invest? 

14:37 - Investing in the S&P 500 is not enough!

20:11 - Tide Ad

21:40 - Why people are scared of investing?

28:13 - Should everyone have S&P 500 and Global Index fund in their portfolio? 

32:12 - The truth about global index funds 

37:56 - The case for S&P 500 over Global Index Funds 

38:59 - At what point do you invest in individual stocks?

45:17 - The risks of investing in individual stocks 

50:42 - Some factors to consider before investing in individual stocks

54:47 - Apple is more valuable than the FTSE 100 

58:35 - The Bitcoin cycle

59:55 - Stock prices are irrational

1:05:21 - The impact of getting a stock at the wrong price

1:13:19 - Why is the US & China trade war happening? 

1:17:11 - Why are tariffs having an impact on the stock market 

1:27:32 - How to manage investing in the tariff situation

1:31:44 - Industries that thrive in difficult markets

1:35:29 - Building wealth from investing in the stock market

1:36:57 - Could the market drop more if more tariffs are introduced 

1:37:43 - Industries that I like for the future

1:40:49 - Find out more about stockpickers academy

1:44:59 - Final Words

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In this episode we have Frederick Afrifa who is a award winning global keynote speaker, TEDx public speaking coach, co-founder of communication coaching business “believe in greatness”, former professional athlete representing Italy and was a candidate on season 19 of The Apprentice 2025.

In this episode we discuss

- Frederik’s journey to becoming a pro athlete

- Hitting rock bottom and wanting to change his life

- Quitting athletics to become a public speaker

- Habits and techniques to make you a better speaker

- The do's and don'ts of speaking

- Why he applied twice to The Apprentice

- The unfiltered reality of being on The Apprentice

- Challenges he faced on The Apprentice and much more!

Connect with Frederick:

Instagram: https://www.instagram.com/f17_afrifa

Linkedin: https://uk.linkedin.com/in/frederick-afrifa-publicspeakingcoach

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http://eepurl.com/hJEcLL

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Tide - Earn up to 4.38% 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.

The more you save, the higher the rate—up to 4.38% AER (variable) on balances between £500K - £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate applies. For the full offer T&Cs visit tide.co/savings. Rate correct as of 1st April 2025

🤝Partners

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

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TIMESTAMPS

0:00 - Savvy Wallet Ad

0:18 - Preview

1:32 - Intro

2:08 - Meet Apprentice Star & Keynote speaker Frederick

4:03 - Growing up in Italy

7:33 - How I found myself

8:52 - How I got into athletics

11:25 - Getting my first pro contract at 21

16:52 - Tide Ad

18:15 - How athletics shaped my mindset 

19:35 - Why I quit athletics

24:31 - Working 2/3 jobs just to survive then this happened

25:19 - This accident led me to pursue public speaking

28:32 - Hitting rock bottom made me want to change things

30:34 - Challenges of getting into speaking

33:28 - I was working at 60 schools a month! 

34:47 - Tips to become a better speaker

37:04 - Speaking confidently as an introvert

39:01 - The do’s and don’ts of speaking 

41:37 - Speaking habits you shouldn’t ignore

44:45 - How speaking changed my life

46:08 - My vision as a speaker 

49:14 - Why I applied twice to The Apprentice

53:07 - Why I finally got selected for The Apprentice 

56:05 - The Apprentice is really intense!

59:17 - Biggest challenge of being on The Apprentice

1:03:35 - Which task was the most challenging on the apprentice 

1:08:25 - The most surprising thing about The Apprentice

1:12:06 - What’s Lord Sugar like in person?

1:14:50 - I don’t regret doing this on The Apprentice

1:17:45 - Was I happy with my portrayal on The Apprentice?

1:18:45 - Lord Sugar sharing my speaking pitch

1:20:41 - Memorable parts of the apprentice you didn’t get to see 

1:21:41 - Was my firing on The Apprentice fair?

1:26:14 - Dealing with the pressure on The Apprentice

1:27:57 - Who Frederick wants to win The Apprentice 

1:28:38 - The impact of being on The Apprentice

1:31:59 - Investing in myself to build wealth

1:38:03 - My plan to scale my wealth 

1:44:25 - How Frederick helps people with speaking 

1:48:00 - Final words

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In this episode we have Michael Berhane, a software engineer and founder of POCIT a career platform for the underrepresented in tech.

In this episode we discuss:

- How he scaled POCIT to 7 figures but then had to PIVOT the business

- Dealing with anxiety whilst growing the business

- How being a CEO is like being a parent

- Wealth building strategy to retire early

- Biggest surprises of 7 years of entrepreneurship

- How you're losing to people you're better than

- Impact AI will have in the next 5 years and more

Connect with Michael:

Instagram: https://www.instagram.com/michaelberhane_

Techish Podcast: https://www.youtube.com/@techishpod

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

http://eepurl.com/hJEcLL

🤝 Sponsor

Tide - Earn up to 4.38% 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.

The more you save, the higher the rate—up to 4.38% AER (variable) on balances between £500K - £1M. New Tide members receive these rates free for 6 months, then your Tide plan’s savings rate applies. For the full offer T&Cs visit tide.co/savings. Rate correct as of 1st April 2025

🤝Partners

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

⚡️Trading 212⚡️(The investing platform I use)

Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY

If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account.

When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply.

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Capital at risk

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TIMESTAMPS

0:00 - Savvy Wallet Ad

0:18 - Preview

1:27 - Intro

2:03 - Meet Entrepreneur Michael Berhane

3:34 - Growing up in North West London

9:37 - How my life experiences shaped me

13:03 - Why I started POCIT

16:46 - Tide Ad

18:10 - How I made me first $100 with my business

21:06 - Why Entrepreneurs should build an audience first!

28:37 - The book that made me quit my job

31:24 - Key Challenges in building my business

37:18 - Founder should share their business with their employees!

38:40 - Pro’s and cons of having a team

42:57 - We generated 7 figures but then how to pivot our business

47:23 - Vision for my business

50:34 - Biggest surprises from 7 years of entrepreneurship

52:55 - Habits, skills that enabled my business to flourish

57:13 - Biggest adversity as an entrepreneur

1:05:00 - Ingredients of a successful entrepreneur

1:09:25 - My building wealth strategy

1:13:34 - Cons of my wealth building strategy

1:18:08 - The plan to retire early!

1:20:45 - Investing startups

1:23:45 - Why I invested in Tressly Co- Founder, Antoinette

1:27:26 - What impact will AI have on the next 5 years

1:32:42 - Final words

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