In this week's episode we have the founder of PensionCraft, Ramin Nakisa, who also was a strategist for 12 years at a Swiss investment bank.

In this episode we discuss:

- 2 Investments To Build and Grow Your Wealth In 2025

- Lessons from 15 Years in Investment Banking

- How Investment Banks Make Money

- The Psychology of Investing

- Steps to make your first investment today

- ETFs vs Index Funds

- Should You Invest In Global Index Funds and much more

*CORRECTION: I said at 1:07:06 that 3% of the population have a stocks and shares isa it's approximately about 6%. Apologies for that error

🔗 Connect with Ramin:

https://www.youtube.com/@Pensioncraft

https://pensioncraft.com

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

http://eepurl.com/hJEcLL

🤝Sponsors

Yesim - Get €5 off any plan with my code "savvy5"

https://bit.ly/41OAO6i

Tide - Earn 3.81% AER Variable on your business savings here:

https://glnk.io/91954/ato8fr

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.

New Tide members receive a 0.77% AER boost on the standard 3.04% AER on unlimited balances until 01/06/25, after that the standard rate applies with no interest earned on balances over £75,000. Rates correct as of 06/02/2025. Terms and conditions apply. Visit tide.co/savings for up to date rates.

➡️ Follow Savvy Wallet on:

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

TikTok: https://www.tiktok.com/@savvywallet

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.

TIMESTAMPS

00:00 - Preview

01:11 - Intro

01:47 - Meet Investing Expert & PensionCraft Founder Ramin Nakisa

05:41 - Working in a Swiss investment bank 

08:40 - Yesim Ad

10:12 - How do investment banks make their money?

15:23 - How the investment banking industry impacts you

17:23 - Sophisticated investors don’t have complex investment portfolios

18:20 - 15 years of lessons in investment banking 

21:01 - Tide Ad

24:21 - Even if you don’t borrow, interest rates affects you! 

25:50 - What really is investing? 

27:54 - What is risk free premium?

31:06 - What is an equity?

32:35 - How is a bond different to an equity?

36:54 - Why is it important to invest ?

37:22 - This is the first step to investing

42:34 - When is the right time to sell your investments? 

45:52 - The psychology of investing

50:42 - How to overcome the fear of the stock market crashing 

56:21 - You need to work out your risk capacity & risk appetite 

58:30 - How to be a more disciplined investor

01:01:17 - How to overcome the fear of investing?

01:02:32 - Steps to make your first investment today? 

01:08:00 - Make your child a Pension Millionaire

01:09:27 - The 4% rule 

01:11:10 - You only need 3 investments!

01:12:57 - Pitfalls for newer investors to avoid! 

01:14:41 - How to figure out what global fund to go for?

01:20:03 - Should you still invest in global index funds?

01:24:02 - Why is it so hard to beat the stock market?

01:30:44 - The benefits of investing in a global index fund 

01:34:22 - Risks to investing? 

01:35:27 - Key lessons from investing and working an investment banking 

01:37:12 - Why I invested in crypto 

01:40:36 - How Pension craft helps you

01:43:10 - Final words

#FinancialPlanning

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

Joining us in the booth this week is Gbemi Okunlola, founder of Alonuko, a leading luxury bridal brand featured in Vogue, Bridges, Insider and more!

In this episode we discuss:

- Key principles learnt from her parents

- Why she turned down 2 university offers to start her business

- How she started Alonuko at 20 by accident!

- Saving £15,000 & raising £15,000 to launch her first wedding collection

- The steps it took to build her multi-million luxury brand

- Vision for Alonuko and much more

🔗 Connect with Gbemi:

https://www.instagram.com/alonuko_bridal

https://www.instagram.com/gbemiokunlola

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

http://eepurl.com/hJEcLL

🤝Sponsor:

Yesim - https://bit.ly/41OAO6i

Get €5 off any plan with my code "savvy5"

➡️ Follow Savvy Wallet on:

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

TikTok: https://www.tiktok.com/@savvywallet

🤝Partners

Tide - Earn 3.81% AER Variable on your business savings here:

https://glnk.io/91954/ato8fr

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.

New Tide members receive a 0.77% AER boost on the standard 3.04% AER on unlimited balances until 01/06/25, after that the standard rate applies with no interest earned on balances over £75,000. Rates correct as of 06/02/2025. Terms and conditions apply. Visit tide.co/savings for up to date rates.

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.

⚡️Hargreaves Lansdown ⚡️

http://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

00:00 - Preview

01:13 - Intro

01:48 - Meet Alonuko founder Gbemi

05:51 - Yesim Ad

07:21 - Growing up, I thought my family was rich!

12:53 - Principles my parents taught me

19:16 - I taught myself sewing at 11!

24:04 - My first time selling clothes

26:59 - Why I turned down 2 university offers

31:15 - Telling my parents I’m not going to uni

33:45 - I started luxury brand Alonuko at 20 by accident!

43:12 - Making wedding dresses made me feel more purposeful

44:25 - Deciding to make my first wedding collection

46:47 - Why the name Alonuko

47:17 - I saved £15,000 from my first business to start Alonuko

48:18 - I raised another £15,000 to launch my first wedding collection

55:53 - Alonuko’s first year of business made this

57:29 - I worked from 7am-12am every weekday for a year to grow my business

01:01:39 - How my business went from £20,000 to £1.3 million

01:09:15 - This is why companies can fail early on!

01:11:42 - What differentiates Alonuko?

01:18:23 - How Alonuko manages high level of expectations as a luxury brand

01:26:07 - Danielle Brooks buying a wedding dress from Alonuko

01:32:49 - How I’ve made an impact to Alonuko

01:37:15 - Biggest entrepreneurship challenges I had to overcome

01:44:17 - My team are everything to me!

01:45:15 - My vision for Alonuko

01:45:49 - Final words

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

The Savvy Wallet Podcast will be on a short break and will return on the 13th January 2025.

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

Joining us in the booth this week are Elisabeth and Nitika who are the co-founders of Alia Money which is a fintech company on a mission to close the wealth gap.

In this episode we discuss:

🔗 Connect with Elisabeth and Nitika:

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

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

http://eepurl.com/hJEcLL

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.

⚡️Hargreaves Lansdown ⚡️

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

Capital at risk

⚡️Interactive Investor ⚡️

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

Capital at risk

Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business:

Tide - https://tide.onelink.me/IS48/SavvyWallet

T&Cs Apply.

Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:

📚Coursera

https://imp.i384100.net/savvywallet

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.

➡️ Follow Savvy Wallet on:

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

TikTok: https://www.tiktok.com/@savvywallet

TIMESTAMPS

00:00 - Preview

00:53 - Intro

01:29 - Meet Money Experts: Elisabeth & Nitika

05:14 - Gender wealth gap is over 7 generations

13:44 - What is a life goal & why is it important?

17:47 - How to define your life goals?

21:16 - Why you need to know the cost of your life goals? 

23:15 - We find it hard to think about our future selves 

26:58 - How to have the life goals conversation with your partner 

30:27 - Emotions people have with life goals 

34:00 - A simple way to break down your life/financial goals in 2025 

42:19 - How to talk to your friends and family about money?

46:25 - Do this if someone opens up to you about money!

47:25 - How your life goals translate to a financial plan

50:26 - Life goals vs financial goals

51:32 - 80% of people ditch their financial goals

56:18 - Reframe your expectations & money habits! 

01:01:35 - Systems you can use to help you achieve your goals

01:05:17 - Save your pay rise for your future self!

01:07:56 - Impact of the pension enrolment scheme

01:10:27 - How to spend less!

01:15:51 -How Elisabeth and Nitika improved their behaviour with money 

01:19:15 -Behavioural science and money! 

01:23:32 - How Aila money can help you 

01:27:48 - Final words

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

Joining us in the booth this week is Dr Amber Johnston, a director at Healthy Mind Psychology, she’s also a Clinical Psychologist and Neuropsychologist. With over 20 years working with patients in the areas of clinical, health, pain management, and neuropsychology.

In this episode we discuss:

- Steps to set realistic 2025 goals

- How to actually achieve your 2025 goals

- Why anyone can form new habits & how to get rid of old habits

- Overcoming limiting beliefs

- How our brains define our behaviour and actions

- How stress and alcohol impacts your brain and much more!

🔗 Connect with Dr Amber Johnston:

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

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

http://eepurl.com/hJEcLL

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.

⚡️Hargreaves Lansdown ⚡️

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

Capital at risk

⚡️Interactive Investor ⚡️

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

Capital at risk

Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business:

Tide - https://tide.onelink.me/IS48/SavvyWallet

T&Cs Apply.

Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:

📚Coursera

https://imp.i384100.net/savvywallet

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.

➡️ Follow Savvy Wallet on:

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

TikTok: https://www.tiktok.com/@savvywallet

00:00 - Savvy Wallet Ad

00:18 - Preview-

01:18 - Intro

01:54 - Meet Dr Amber Johnston

08:16 - What is neuropsychology? 

11:14 - What does a treatment plan for someone with a brain injury look like? 

15:17 - How our brains determine our behaviour and actions

22:48 - How are your first habits created?

27:14 - What impact will a concussion have on someone’s behaviour?

32:11 - How does stress impact your brain and your body? 

37:35 - Society doesn’t take stress seriously!

41:31 - Why we think we can’t achieve something?

44:27 - Defining your “why” for setting 2025 goals

46:37 - The importance of setting smaller 2025 goals

49:49 - Having flexibility with your goals

51:24 - Does it really take 66 days to form a new habit?

52:10 - How to set your 2025 Goals 

56:32 - How to overcome loss of motivation

01:00:58 - How to become more resilient keeping working on your 2025 goal

01:03:39 - Beating yourself up won’t help you achiever your 2025 goals

01:07:19 - How does the association with new years happen?

01:12:13 - What does a healthy brain look like?

01:16:00 - How to become more driven

01:21:00 - How to identify your existing habits

01:24:10 - Final words

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

Joining us in the booth this week is Financial Psychotherapist, Vicky Reynal, who is also author of the book: "Money On Your Mind:The Psychology Behind Your Financial Habits"

In this episode we discuss:

- How our relationship with money is formed

- The reason we have strong emotions for money

- How lack of financial literacy impacts your financial wellbeing

- Why people self-sabotage with money

- How to navigate societal pressure to spend big during the Christmas period

- Tips for form new money habits and much more!

🔗 Connect with Vicky:

Linkedin - https://www.linkedin.com/in/vicky-reynal-4070ba133

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

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

http://eepurl.com/hJEcLL

➡️ Follow Savvy Wallet on:

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

TikTok: https://www.tiktok.com/@savvywallet

Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business:

Tide - https://tide.onelink.me/IS48/SavvyWallet

T&Cs Apply.

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.

⚡️Hargreaves Lansdown ⚡️

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

Capital at risk

⚡️Interactive Investor ⚡️

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

Capital at risk

Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:

📚Coursera

https://imp.i384100.net/savvywallet

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

00:00 - Savvy Wallet Ad

00:18 - Preview

01:25 - Intro

02:01 - Meet Financial Psychotherapist Vicky Reynal 

06:02 - How Vicky became the person she is today

08:44 - Suffering in silence with money

09:52 - How is our relationship with money is developed

14:01 - Why do we have such strong emotions for money?

16:08 - What does a good level of financial wellbeing look like?

18:28 - How lack of financial literacy impacts your financial wellbeing

20:40 - How a positive or negative financial wellbeing impacts you 

21:45 - How to figure out how you feel about money

24:31 - How to develop better financial wellbeing 

26:53 - Why we self sabotage with money

31:45 - The balance of a saver and a spender 

33:57 - The impact of being a people pleaser with money

38:13 - Why some people feel like they constantly don’t have enough money

40:45 - A negative feeling isn’t always a bad financial choice! 

41:51 - Why people feel guilty about spending

45:10 - The gamblers mindset explained

49:16 - How to get out of the gamblers mindset 

52:55 - How does tension with money with couples happen!

55:38 - Arguments about money not really about money!

01:01:18 - How to talk to people about money?

01:04:28 - How to manage the societal pressure to spend at Christmas

01:09:22 - How are money habits formed?

01:12:58 - Tips to form new habits in the new year

01:15:01 - What to expect from the money on your mind book!

01:19:59 - Final words

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

Joining us in the booth this week is Oye, founder of The Real Debt Guy and has worked in the subject of UK debt for 18 years.

In this episode we discuss:

- How the UK debt system really works

- What will happen if you communicate or don't communicate with the lender

- Actions the lender can take to recover the debt

- How to manage negative feelings towards debt

- The impact of your spend circle

- How the debt buying business works

- How to leverage the UK debt system

- How to escape the UK debt cycle and much more

*CORRECTION*

At 42:33 - Oye said "non-priority" he meant to say "priority"

🔗 Connect with Oye:

Website: https://www.therealdebtguy.com

Youtube: https://www.youtube.com/@Oye_TheRealDebtGuy

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

http://eepurl.com/hJEcLL

➡️ Follow Savvy Wallet on:

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

TikTok: https://www.tiktok.com/@savvywallet

Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business:

Tide - https://tide.onelink.me/IS48/SavvyWallet

T&Cs Apply.

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.

⚡️Hargreaves Lansdown ⚡️

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

Capital at risk

⚡️Interactive Investor ⚡️

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

Capital at risk

Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:

📚Coursera

https://imp.i384100.net/savvywallet

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

00:00 - Savvy Wallet Ad

00:18 - Preview

01:41 - Intro

02:17 - Meet debt expert Oye

07:51 - How does the debt system work? 

12:31 - Relationship between the lender and the borrower

16:31 - Getting into the Debt cycle from university

22:11 - The impact on credit report for not paying credit repayments 

25:19 - What happens if you can’t pay your debts? 

31:31 - Fight the fear and open that debt letter!

33:51 - Do this if you’re struggling with your mortgage? 

35:57 - What actions can a lender take to recover their money? 

40:42 - What happens if you communicate with your lender?

43:17 - What protection do borrowers have?

45:46 - How does it get to the stage to Bailiffs 

50:55 - How does buying and selling debt work? 

58:51 - Why you should avoid bankruptcy!

01:02:12 - Why people feel negatively about debt 

01:06:26 - How to manage feelings towards debt? 

01:13:47 -How to navigate pressure to spend? 

01:17:39 - Good debt vs bad debt 

01:19:42 - How to leverage the debt system for your benefit? 

01:20:40 - Steps to get out of the debt cycle 

01:24:15 - Pitfalls to prevent you from getting into debt 

01:27:11 - How The Real Debt Guy can help you

01:29:37 - Final words

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

Joining us in the booth is investing and finance expert Ryan King, who has built an investment portfolio worth over £100,000+ in 7 years.

In this episode we discuss:

🔗 Connect with Ryan:

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

Youtube: https://www.youtube.com/@MakingMoneySimple

📚Grab a copy of Ryan's book " Stop Waiting, Start Investing": https://amzn.to/4i7YBnr

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

http://eepurl.com/hJEcLL

➡️ Follow Savvy Wallet on:

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

TikTok: https://www.tiktok.com/@savvywallet

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

⚡️Trading 212⚡️ (This is Ato's investing platform of choice)

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.

⚡️Hargreaves Lansdown ⚡️

http://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.

Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business:

Tide - https://tide.onelink.me/IS48/SavvyWallet

T&Cs Apply.

TIMESTAMPS

00:00 - Savvy Wallet Ad

00:18 - Preview

01:23 - Intro

01:59 - Meet investing expert and finance author Ryan King 

04:19 - Lessons learnt living in Australia

09:52 - What Ryan’s invested in and the value of his investment portfolio

15:02 - How do you actually make money from investing? 

19:49 - How much Ryan started investing with 

24:11 - The current amount Ryan invests in monthly

30:56 - The real reason why people can’t retire

36:00 - Becoming a millionaire is easy?!

39:31 - Why you should stop waiting and start investing 

44:18 - How to figure out what to invest in 

51:39 - The cons of investing in global index funds 

57:04 - How to deal with fear in the stock market 

01:01:33 - How to stay patient with investing 

01:09:57 - Biggest lessons learnt from investing 

01:11:39 - The exact blueprint to invest today

01:17:44 - The importance of automating your investments 

01:19:29 - How to minimise your investment fees 

01:21:47 - Bitcoin going to $100,000 and the future of crypto

01:30:01- What to expect from The Stop Waiting Start Investing Book

01:34:34 - Final words

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

Joining us in the booth this week is Wealth Manager and Financial planner, Natasha Percy-Baxter.

In this episode we discuss:

🔗 Connect with Natasha:

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

Website: https://partnership.sjp.co.uk/partner/percybaxter

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

http://eepurl.com/hJEcLL

Sponsor

Tide - Get an Instant Savings Account Earning 4.07% AER Variable for your Business:

https://tide.onelink.me/IS48/SavvyWallet

T&C's apply.

➡️ Follow Savvy Wallet on:

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

TikTok: https://www.tiktok.com/@savvywallet

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

⚡️Trading 212⚡️(This is Ato's investing platform of choice)

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.

⚡️Hargreaves Lansdown ⚡️

http://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

00:00 - Savvy Wallet Ad

00:18 - Preview

01:30 - Intro

02:05 - Meet Wealth Manager Natasha 

05:52 - Tide ad

07:09 - Growing up in Chelsea

11:07 - Natasha’s path to wealth management

18:22 - The life of a wealth manager 

22:49 - Money insights from a wealth manager

25:01 - What is the big difference being “rich” and being “wealthy” 

29:56 - Pitfalls of trying to appear rich!

33:08 - The steps to wealth

37:06 - Tools to help you build wealth ?

43:22 - How money causes breakdown in a relationship

48:38 - How transparent should you be with money in your relationship?

53:02 - Key questions couples need to ask themselves 

57:52 - What will happen if you don’t talk about money in your relationship 

01:01:42 - Other Financial red flags

01:03:45 Couples managing their finances

01:11:49 - What it’s like working with financial advisors

01:17:03 - Can a couple hire a financial advisor?

01:18:31 - How to build wealth together ?

01:21:32 - Final words

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

Joining us in the booth this week is certified financial planner and financial advisor, Michael Donkor who has worked in the finance industry for over a decade.

In this episode we discuss:

🔗 Connect with Michael:

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

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

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

http://eepurl.com/hJEcLL

Sponsor

Tide - Get an Instant Savings Account Earning 4.07% AER Variable for your Business:

https://tide.onelink.me/IS48/SavvyWallet

T&C's apply.

➡️ Follow Savvy Wallet on:

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

TikTok: https://www.tiktok.com/@savvywallet

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

⚡️Trading 212⚡️(This is Ato's investing platform of choice)

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.

⚡️Hargreaves Lansdown ⚡️

http://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

00:00 - Preview

01:18 - Intro

01:53 - Meet Financial Planner and Financial Advisor Michael

06:56 - Tide Ad

08:11 - Growing up in Hackney

13:44 - How I became a financial planner

21:32 - What’s the difference between a financial planner and financial advisor? 

27:15 - How my clients make money!

32:39 - My “aha” moments from working in finance for over a decade 

36:48 - Ways to build your wealth!

38:16 - Savvy Wallet Ad

42:10 - Benefits of investing in the stock market? 

48:23 - Risks of investing in the stock market 

50:37 - How to identify what to invest in?

52:50 - My client became a Millionaire!

57:38 - Benefits of a Stock and shares isa 

59:26 - Lessons learnt from investing for clients

01:01:28 - Sensible amount of money to invest every month?

01:03:55 - How do you save for a house and invest at the same time ? 

01:09:45 - This person wanted to become a millionaire in 5 years

01:12:33 - 2 actions to start investing today

01:14:37 - This is the number one investment

01:18:17 - Can you still become rich in the UK?

01:23:18 - Factors to decide if the UK is right for you?

01:27:11 - The Money System in Switzerland

01:31:28 - Final words

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