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

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💼 What's in The Wallet

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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:

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💼 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

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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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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.

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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!

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💼 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.⁠⁠⁠⁠⁠⁠⁠

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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

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💼 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.⁠⁠⁠⁠⁠⁠

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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:

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Capital at risk

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Capital at risk

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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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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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🤝Partners

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.⁠⁠⁠⁠⁠⁠

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

⚡️Hargreaves Lansdown ⚡️

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Capital at risk

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Capital at risk

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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

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

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🤝 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:

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Capital at risk

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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

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

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🤝Partners

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.⁠⁠⁠⁠⁠

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

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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

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

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🤝 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

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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:

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

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🤝 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

53:28 - How to make a BRRR deal successful

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