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

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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 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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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:

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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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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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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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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

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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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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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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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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:

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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:

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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.⁠⁠

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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:

⁠https://invoicehome.com/to/savvy-wallet-audio

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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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