The Savvy Wallet Podcast
The Savvy Wallet Podcast features interviews with experts in personal finance, business, and health. New episodes are released every Monday at 8am GMT on various platforms including Spotify, Apple Podcasts, and YouTube. The podcast also has a strong social media presence on Instagram, TikTok, and YouTube.
Episodes
EP. 225 - Wealth Advisor to Africa's Super-Rich: Here's the Wealth Secret They Never Share ft. Bimpe Nkontchou
In this episode Ato sits down with Bimpe Nkontchou who is a lawyer, wealth advisor, and founder of W8 Advisory, where she advises high-net-worth African families on how to build, structure, and preserve wealth across generations.
We discuss:
- Bimpe’s journey from building a law firm to wealth management
- How to reinvent yourself every 10 years
- Principles every family should adopt
- The
EP. 224 - ISA Millionaire: If I Had To Become A Stock Market Millionaire Again, I'd Do This (Not SpaceX) ft. Leon Boros
In this episode, Ato speaks with Leon Boros, who is a private investor and former corporate financier who became an ISA Millionaire in 2013 (Meaning he built a £1M+ tax-free portfolio made up of stock investments) and he's been investing for over 30 years.
We discuss:
- The impact SpaceX, OpenAI & Anthropic will have on the market
- How to assess SpaceX as an investment
- What Leon looks for i
EP. 223 - Financial Advisor: The 5 Decisions That Determine Whether You Retire At 50 Or 67 ft. Pete Matthew (Meaningful Money)
In this episode Ato speaks with Pete Matthew is a Chartered Financial Planner with more than 27 years of experience helping people build wealth, plan for retirement and make smarter financial decisions.
He’s also the creator of Meaningful Money, one of the UK’s leading personal finance platforms where through hundreds of podcast episodes and videos, he’s helped millions better understand money
EP. 222 - 9-5 Millionaire: How I Built 7 Streams Of Income From A $36K Salary ft. Jemal King
In this episode Ato speaks with Jemal King is an entrepreneur, real estate investor, and author known as the “9 to 5 Millionaire.”
A former Chicago police officer, he built a multimillion-dollar portfolio while working full-time, growing into 400+ properties and multiple seven-figure businesses. Today, he teaches people how to turn income into assets and long-term wealth.
We discuss:
- How Je
EP. 221 - Property Investor: The New Way AI Is Helping People Build Wealth Through Property ft. Julianah Owusu
In this episode Ato speaks with Julianah Owusu, a Property Investor & Developer and Founder of RefurbMate.
We discuss:
- What people are misunderstanding about property in 2026
- How to use AI to buy and invest in property
- Property opportunities outside of London
- Investing in property in the healthcare industry and much more
🔗 Connect with Julianah:
Youtube: https://www.youtube.com/@P
EP. 220 - I Was The Lowest Paid Amongst My Friends. Lived On LEFTOVER FOOD. Then Became A Millionaire ft. Bola Sokunbi
In this episode Ato speaks with Bola Sokunbi, bestselling author, certified financial education instructor, and founder of Clever Girl Finance, one of the leading personal finance platforms helping women build wealth and financial independence.
She has written six books, including Clever Girl Millionaire, and is widely known for making money advice practical, relatable, and empowering.
We
EP. 219 - Financial Adviser Exposes: Many High Earners Are Closer To Broke Than You Think ft. Ryan Kingsley
In this episode Ato speaks with Ryan Kingsley a chartered financial adviser who supports high-earning professionals, entrepreneurs and international clients in structuring their wealth, pensions and long-term financial plans.
We discuss:
- From surviving being stabbed to becoming a financial advisor
- Client earning £500,000 salary with no savings & spending £40k on holiday
- How the wealthy th
EP. 218 - Ex-Goldman Sachs Trader: Last Time The US Stock Market Did This, People Made Nothing For 10 Years ft. Debodun Osekita
In this episode Ato speaks with Debodun Osekita a former trader at Goldman Sachs, where he operated in high-pressure global markets, managing risk and capital at scale. He's also the Founder of Stock Pickers Academy, a community that educates you on investing in the stock market.
We discuss:
- Lessons from Goldman Sachs Trading Floor
- Why the S&P 500 will return 0% over the next 10 years
- Why
EP. 217 - Communication Experts: Never Say This - The 3 Second Trick To Speak With Authority & Confidence ft. Frederick Afrifa and Gordon K Williams
In this episode Ato speaks with Frederick Afrifa and Gordon K Williams — founders of leadership communication group and co-authors of Unmute Yourself.
They help people communicate with clarity, confidence and impact, using speaking as a powerful tool to unlock career and business opportunities.
We discuss:
- How to speak with confidence and clarity
- Why miscommunication is costing you more t
EP. 216 - Property Expert: It Just Became 2x Harder To Get Property In The UK ft. Kazeem Alli-Balogun
In this episode Ato speaks with Kazy — a property investor and developer behind Property by Kazy, with over a decade of experience in the UK property market.
We discuss:
- Big banks buying up property & what that means for you
- Why you don't need 7 streams of income
- The glamorisation of overworking (and how to have a better work life balance)
- Is buy to let dead in 2026?
- Best property
EP. 215 - Ex-Banker: Moved To The UK In 2019. Rejected For £45k Job, Now My Assets Make That In A Month ft. Ruky Alabi-Oyelayo
In this episode Ato speaks with Ruky Alabi-Oyelayo, a former banker, entrepreneur, career strategist, investor, Author and founder of RKY Careers, a fast-growing training and education platform that has helped over 10,000 professionals reposition their careers and transition into higher-paying roles.
We discuss:
- Her journey and challenges of migrating from Nigeria to the UK
- Pivoting from Acc
EP. 214 - Financial Advisor Exposes The Middle Income System Designed To Keep You Working For Life ft. Emmanuel Asuquo
In this episode Ato speaks with Emmanuel Asuquo, a financial advisor, author, and wealth educator known for breaking down money in a way that’s practical, honest, and culturally relevant. Through his work, he helps professionals rethink their relationship with income, ownership, and long-term wealth.
We discuss:
- The Middle Income Trap keeping people broke
- How Uber and Deliveroo has tricked
EP. 213 - Investing Expert Warns: The Iran War Just Changed Your Financial Future (What You Must Know) ft. Dan Kemp
In this episode, Ato speaks with Daniel Kemp an investment strategist and former Chief Research and Investment Officer at Morningstar, where he helped oversee hundreds of billions in client assets.
He is now the founder of Portfolio Thinking, a research platform focused on helping investors navigate uncertainty, make better long-term decisions, and separate market signal from noise.
In this
EP. 212 - Accountant Reveals The 7 Red Flags That Triggers A Tax Investigation With HMRC ft. Rachel Harris
In this episode, Ato speaks with Rachel Harris an accountant and founder of a £2 million accountancy firm supporting over 700 UK businesses. She’s known for making complex tax rules simple and for giving honest insight into how HMRC really works.
Through her firm and online platform, she helps business owners navigate UK tax with confidence, structure smarter, and build long-term wealth.
In t
EP. 211 - Money Experts: The 6 Wealth Principles That Made Us Financially Free In Our 30’s ft. Ken and Mary Okoroafor (The Humble Penny)
In this episode, Ato speaks with Ken and Mary Okoroafor, Sunday Times bestselling authors, financial coaches, and founders of The Humble Penny. After becoming financially independent in their early 30s, they’ve dedicated their work to helping families build lasting wealth through disciplined habits and long-term thinking.
We discuss:
- How the pursuit of financial freedom has changed
- People n
EP. 210 - Mortgage Advisor: The Ultimate Guide To Getting A Mortgage In 2026 ft. Dan Knott
In this episode we have Dan Knott, who is a Mortgage Advisor, Dan Knott who has helped hundreds of first-time buyers secure their first mortgages and homeowners navigate one of the biggest financial decisions of their lives.
In this episode we discuss:
- How renting can help you buy a property
- UK Property being the cheapest it's been in years
- Why people are taking out longer mortgages
EP. 209 - “I'll Never Invest In The Stock Market” 3 Money Experts Clash On The Best Way to Build Wealth
In this episode, Ato speaks with Ajmal Mushtaq, the Founder of Boss Pizza. Julianah Owusu, a Property Investor & Developer and Founder of RefurbMate. Ian Dempsey, an Independent Financial Adviser, Financial Planner & Financial Coach.
We discuss:
- The best way to build wealth in 2026
- Does everyone need to contribute to a pension
- Can you still build wealth with property in 2026
- Why not ev
EP. 208 - Investing Expert: The Only 2 Investments You Need To Build Wealth In 2026 ft. Andrew Craig
In this episode, Ato speaks with Andrew Craig, an investor, best-selling finance author of “How to Own The World, and financial educator of 13 years and founder of personal finance website: Plain English Finance
We discuss:
- The 2 investments to build wealth in 2026
- What people are missing about the current world order
- The risk with global index funds
- How to navigate building wealth
EP. 207 - Why Intelligent People Stay Underpaid For Years (While "D" Students Get Rich) ft. Hayley Mulenda Record
In this episode, Ato speaks with Hayley Mulenda Record. She’s a best selling author, a multi-award winning international speaker, and someone who’s spent years helping people understand confidence, identity, and the inner voice that shapes how we show up in our lives and careers.
We discuss:
- Hayley breaking free from limitations she saw in her area
- How to build a wealthy identity
- Why so
EP. 206 - Investing Expert: 4 “Unloved” Investments That Could Quietly Beat the S&P 500 in 2026 ft. Mark Preskett
In this episode, Ato speaks with Mark Preskett, Senior Portfolio Manager from Morningstar. Mark spends his time looking at what’s really going on in global markets, cutting through the noise to help investors understand where risks and opportunities are actually building.
We discuss:
- What taught Mark the value of resilience
- How AI is more than about chatbots
- Wealth leaving the united
EP. 205 - Career Expert: The Exact Strategy I Used To Triple My Salary (£70k to £200k+) ft. Hannah Awonuga
In this episode, Ato speaks with Hannah Awonuga — a global career and leadership expert, former partner with over 20 years in banking, and now the founder helping organisations build truly inclusive, high-performing cultures.
We discuss:
- Hannah’s unconventional journey of getting into banking at 16
- What it really takes to get into senior leadership
- How she navigated corporate politics
EP. 204 - Ex-Private Banker: The Asset People Use to Keep Wealth Outside the Financial System ft. James Butterfill
In this episode, Ato speaks with James Butterfill is the Head of Research at CoinShares, Europe’s largest digital asset investment firm managing nearly $10 billion in assets.
With over 25 years in finance including time at Coutts, James has managed portfolios for ultra-high-net-worth clients and now leads data-driven research on Bitcoin, Ethereum, and the wider digital asset market.
We discus
EP. 203 - Investing Expert: The New Rules of Building Wealth in the Stock Market For 2026 ft. Lindsay James
In this episode, Ato speaks with Lindsay James an Investment Strategist from Quilter Investors. Her work focuses on helping people understand what really drives wealth over time and how to make confident, long-term financial decisions in a fast-changing world.
We discuss:
- Where the most new wealth will be created
- Biggest changes in the world you need to pay attention to
- The risks with Gl
EP. 202 - Private Banker Reveals How To Build Wealth Like The Ultra Rich ft. Aisha Adedeji
In this episode, Ato speaks with Aisha Adedeji a Private Banking and Wealth Management specialist with a decade of experience working across the UK, Nigeria, South Africa, and the UAE.
She has managed millions for high net worth and ultra high net worth clients, advising them on wealth creation, preservation, and cross-border financial strategy.
We discuss:
- Why she left the UK for Nigeria
EP. 201 - Ex-Banker: How I Retired In My 30s With Multiple Streams Of Passive Income ft. Jumoke Mi
In this episode, Ato speaks with Jumoke — an investor, wealth educator, and former investment banker at a top-tier global bank. After nearly two decades working with high-net-worth clients, she built her own path to financial freedom in her 30s
We discuss:
- What led Jumoke to pursue financial freedom
- The steps Jumoke took to retire in her 30's
- How to make £1,000 month passively
- 6 ty
EP. 200 - Financial Advisor: Why Wouldn’t You Do This? The Simplest Way To Build Lasting Wealth From Scratch ft. Ayo Noble
In this episode we have Ayo Noble, who is a financial protection specialist who teaches people how to build, protect, and pass on generational wealth.
In this episode we discuss:
- Most simplest way to secure wealth for you and your family
- Why money is game and how to play the game better
- Why parents shouldn't charge their children rent
- The truth about generational wealth no one talks
EP. 199 - Accountant: Building Wealth In The UK Just Became 10x Harder - Here's What You Need To Do ft. Benedicta
In this episode we have Benedicta, who is a CIMA Qualified Accountant with over 13 years experience working in Government Finance, she’s a Finance Management Consultant, Public speaker and the founder of Beniratio Finances.
In this episode we discuss:
- It feeling like the UK is pulling the ladder on wealth building
- Impact of the income tax/Personal allowance being frozen
- Cash ISA's going d
EP. 198 - Financial Advisor: 12 One-Percent Habits To Change Your Finances In 2026 ft. Lisa Conway-Hughes
In this episode, Ato speaks with Lisa Conway-Hughes, a Chartered Financial Adviser, wealth expert, and author known for helping people simplify money and build financial confidence.
With over 15 years’ experience advising clients at every income level, she specialises in pensions, long-term planning and turning small, practical decisions into meaningful wealth over time.
We discuss:
- How
EP. 197 - Ex-Goldman Sachs Banker: SpaceX Could Create The Biggest Wealth Transfer In History ft. Per Wimmer
In this episode, Ato speaks with Per Wimmer a financier, entrepreneur, and adventurer. A former Executive Director at Goldman Sachs, he now runs investment businesses spanning aerospace, real estate, and wealth management.
We discuss:
- Per's most life changing adventures in
- Why space will be the next wealth opportunity
- His best and worst space investments
- Lessons from working for Gol
EP. 196 - UK Property Has Changed Forever — Act Fast Or Lose Out ft. Tayo Oguntonade
In this episode, Ato speaks with Tayo Oguntonade, a property expert, financial commentator, and co-founder of BrickzWithTipz.
He bought his first property at 21, built a multi-property portfolio, and now combines his experience as a former mortgage advisor with regular appearances on Channel 4, BBC, and beyond to make property and finance simple and accessible for a new generation.
In this ep
EP. 195 - Forget Startups and Property, This Is A Faster Way to Build Wealth ft. Darren Johnson
In this episode, Ato speaks with Darren Johnson is the Global Chief Operating Officer at Impax Asset Management, a leading specialist in sustainable investing. Darren has also built a track record as an angel investor and business buyer. Having made more than 40 early-stage investments and acquired 2 businesses.
In this episode we discuss:
- Why you need an edge in everything that you do
- Pos
EP. 194 - The Greatest Wealth Shift of Our Lifetime Has Just Begun — Don’t Get Left Behind ft. Susannah Streeter
In this episode, Ato speaks with Susannah Streeter is a leading financial commentator and global markets expert. Formerly Head of Money & Markets at Hargreaves Lansdown, she is known for translating complex economic and geopolitical trends into clear, actionable insights.
We discuss:
- The biggest wealth shifts across the world over the next 5-10 years
- Why we may be in an AI bubble- How to
EP. 193 - How Smart Men Build Wealth (While Everyone Else Burns Out)
In this episode, Ato speaks with Dr Aaron Balick, a Psychotherapist with 20+ years in the industry and author of The Little Book of Calm, Ken Okoroafor, Co-Founder of award winning company “The Humble Penny”, he is a Financial Coach and best selling Author of the book “Financial Joy" and Emmanuel Jones, Wealth Protection Advisor.
We discuss:
- How money shaped their perspectives as men
- Soci
EP. 192 - Gold Expert Explains The 4 Simplest Ways To Buy Gold ft. Toby Osborne
In this episode, Ato speaks with Toby Osborne, Head of Wealth Management at The Royal Mint which offers people secure ways to buy, sell, and store precious metals like gold, silver, and platinum.
We discuss:
In this episode, Ato speaks with Toby Osborne, Head of Wealth Management at The Royal Mint which offers people secure ways to buy, sell, and store precious metals like gold, silver, and pla
EP. 191 - Wealth Advisor Reveals The No. 1 Way To Build Wealth In The Stock Market (On Any Budget) ft. Jacques Opoku
In this episode, Ato speaks with Jacques Opoku an investment professional with 11 years of experience in asset management, where he worked on institutional portfolios and gained a deep understanding of how money is managed at scale.
We discuss:
- Why not everyone needs to invest in index funds
- The best investment you can make for yourself
- Lessons we can learn from institutional investors
EP. 190 - Investment Manager: If I Started Investing In 2026, I’d Do This To Build Serious Wealth ft. Tsitsi Mutiti
In this episode, Ato speaks with Tsitsi Mutiti is an Investment Manager at Charles Stanley with over 13 years of experience in wealth management. She specialises in building and managing portfolios for high-net-worth clients, supporting them across investments, pensions, and trusts.
We discuss:
- Growing up in Zimbabwe and how it shaped her
- How she got herself out of £50,000 debt
- The
EP. 189 - Financial Advisor: No Savings? No Investments? Do This To Build Wealth From Scratch ft. Bola Sol
In this episode, Ato speaks with Bola Sol who is a financial adviser, media personality and author of the books 'How to Save It' and 'Your Money Life'. She's passionate about making money simple, accessible and empowering people to take control of their finances and build wealth.
We discuss:
- Money Lesson's Bola learnt from her family
- What's FU Money and why you need it
- Why saving your
[Bonus Episode] Business Experts Share Exactly How They’d Make Their First £100K
Live at the Birmingham Black Business Show, Ato speaks with 3 Money Experts on how to double your net worth in the next 12 months.
In this episode we discuss:
- How to start a business from nothing (even if you’re broke)
- The smart way to scale without wasting money on the wrong hires
- Why “crisis” can actually be the best opportunity to build wealth
- The money trap most new founders fall
EP. 188 - Money Psychologist: After 17 Years Studying The Rich, Here’s What I Found ft. Norma Cassius
In this episode, Ato speaks with Norma Cassius who is a Money Management Consultant, Psychotherapist, Author, and Life Coach. With over 20 years in the financial sector and 17 years as a qualified psychotherapist, she bridges the worlds of money and mental health.
We discuss:
- Psychological methods to break through your wealth ceiling
- How the brain reward system helps your finances
- How
EP. 187 - Financial Advisor Reveals The 3 Ingredients To Build Lasting Wealth ft. Jerran Whyte
In this episode, Ato speaks with Jerran Whyte is the Founder and Managing Director of Belvedere Wealth Management, an independent financial advisory firm helping clients to build, preserve, and pass on wealth. With over 15 years of experience in wealth management, he has guided entrepreneurs, professionals, and high-net-worth families through the complex realities of money, legacy, and financial f
EP. 186 - Fraud Expert Reveals The New AI Scams Emptying Your Bank Accounts In Minutes ft. Nick Stapleton
In this episode, Ato speaks with Nick Stapleton, who is a scam expert, award-winning investigative journalist and broadcaster, best known as the co-presenter of the BBC’s Scam Interceptors.
He’s spent years exposing how scammers operate and helping people understand how to protect themselves from scams. Nick also hosts the Scam Clinic podcast and is the author of How to Beat Scammers, sharing
EP. 185 - Money Expert: "They’re Wrong!" The 7 Money Habits That Quietly Build Wealth From A 9–5 Job ft. Natalie Scott
In this episode, Ato speaks with Natalie Scott, who is a certified money coach and money mindset expert.
She’s best known for empowering Millennials and Gen Z to break free from limiting money beliefs, build financial confidence, and take control of their future.
We discuss:
- Why you can build wealth with your 9-5
- Wealth building opportunities people overlook in their jobs
- How s
[Bonus episode] - Money Experts Reveal The Smartest Way To Double Your Wealth In The Next 12 Months
Live at the Birmingham Black Business Show, Ato speaks with 3 Money Experts on how to double your net worth in the next 12 months.
In this episode we discuss:
- How to go from £0 to £100k step by step
- The biggest financial mistakes people make (and how to avoid them)
- Why saving 10% of your income is not enough in today’s world
- The habits and rules money experts live by to build lasting
EP. 184 - “Buy and Hold Is Lazy” Investing Experts Debate Passive Investing vs Active Investing ft. Andrew Craig & Debodun Osekita
In this episode, Ato speaks with Andrew Craig, best-selling finance author of “How to Own The World, a financial educator of 13 years and founder of personal finance website: Plain English Finance and Debodun Osekita, former trader at Goldman Sachs, founder of stock pickers academy and investing coach.
We discuss:
- Passive Investing vs Active Investing in the stock market
- Global Index Fu
EP. 183 - From £200 To 7 Figures: How To Build Wealth On An Average Salary ft. Oyin Adebayo
In this episode, Ato speaks with Oyin Adebayo the founder and CEO of Niyo Group, the powerhouse behind Niyo Labs and Niyo Fest. From earning £200 a week as a hairdresser to building a company that’s generated over £2 million in revenue.
Through Niyo Labs, she’s helped hundreds upskill into tech roles, while Niyo Fest celebrates Black identity and joy on a major stage, drawing thousands each ye
EP. 182 - Stock Market Millionaire: How I Turned £500 A Month Into £1M+ (And How You Can Too!) ft. Leon Boros
In this episode, Ato speaks with Leon Boros, who is a private investor and former corporate financier who became an ISA Millionaire in 2013 (Meaning he built a £1M+ tax-free portfolio made up of stock investments).
We discuss:
- Key choices that shaped Leon's financial success
- How to become an ISA Millionaire
- How much he invested to become an ISA Millionaire
- Leon's investing framework
EP. 181 - Ex-Private Banker: If I Wanted To Go From Zero To Serious Wealth, I’d Do This! ft. Deborah Williams
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
EP. 180 - Tax Director Reveals Why Millionaires Are Fleeing The UK (And Where They’re Escaping To) ft. Peter Ferrigno
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.
We discuss:
- Why so many Millionaires are leaving the UK
- 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
EP. 179 - Financial Advisor Reveals The Best Ways To Retire In Your 40’s or 50’s ft. Michael Donkor
Michael is a certified financial planner and financial advisor with over a decade of experience in the financial services industry.
In this episode we discuss:
- How a client experienced changed Michael’s perspective on retirement
- 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
Podcast Update
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
[Bonus episode] - Money Mindset Expert: The #1 Mistake That Quietly Destroys Your Financial Future ft. Ryan Murphy
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.
In this episode we discuss:
- How your money mindset shapes financial decision
EP. 178 - Senior Director: My Best Career Advice For Reaching The Top Without Playing The Game ft. Joyce Idoniboye
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.
In this episode we discuss:
- Why Joyce risked everything to move to London
- How she went from working in a hotel to Chief People Officer
- How to stand out to your man
EP. 177 - Ex-Goldman Sachs Director: Earn Between £20k - £100k? Do This To Turn Your Salary Into Assets ft. Ayesha Ofori
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.
In this episode we discuss:
- Wealth lessons learnt from Ayesha's time at Goldman Sachs
- How she became an executive director at Goldman Sachs
- Was there pressure managing £500 million of client's mon
EP. 176 - Investing Expert: I’ve Been Investing For 37 years. In Your 20s, 30s, or 40s? Start Here ft. Mike Coop
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.
In this episode we discuss:
- Lessons from 37 years of investing
- How to build a well diversified stock portfolio
- S&P 500 vs Global Index Funds
- Is it too late to invest in AI?
-
EP. 175 - Financial Advisor: Why's Everyone So Obsessed With Buying A Home? ft. Joseph Obeng
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 lad
EP. 174 - Money Expert: I’m 63. If You're In Your 20’s, 30’s or 40’s Watch This Before It’s Too Late
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 propert
[Bonus episode] - 4 Investing Experts Reveal Their Top Tips to Build Wealth in the Stock Market (In 24 Mins)
Live at the Morningstar Investment Conference, Ato speaks with 4 investing experts on how to build wealth through the stock market.
In this video we discuss:
- How to build wealth through the stock market
- What they wished they had known sooner
- Their number one advice for investors
- Why waiting to invest can cost you
- Biggest mistakes investors make
- Where Morningstar see potential opportun
EP. 173 - How He Built A £1M+ Fintech Company In Ghana With £150 ft. Ebenezer Ghanney
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.
In this episode we discuss
- Money lessons that shaped Ebenezer
- How WeWire solves the dollar crisis in Africa
- How WeWire has grown to
[Bonus episode] - Investing Expert: What You Must Do If The Stock Market Crashes ft. Dan Kemp
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
EP. 172 - Ex-JP Morgan Banker Exposes The Secrets The 1% Use To Keep & Make More Money! ft. Lámidé Elizabeth
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 m
EP. 171 - £2M Property Investor REVEALS How To Become A Property Millionaire ft. Julianah
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.
In this episode we discuss:
- How Julianah scaled her property portfolio to 11 properties
- How to build wealth with property
- The pro's and con's of the BRRR strategy
- The opportunity to invest in property in UAE
- Wh
EP. 170 - Financial Advisor REVEALS The Best Asset To Build Your Wealth ft. Chris Ball
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.
In this episode we discuss:
- Starting Hoxton Wealth
- Money management is key to building wealth
- Why buying a property isn't the sma
EP. 169 - Tax Professor: UK Tax System Is Broken — It Was Never Meant For You To Build Wealth ft. Dr Andy Summers
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 t
EP. 168 - Ex-Goldman Sachs Trader Exposes How Anyone Can Get Rich From The Stock Market ft. Debodun Osekita
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
EP. 167 - I Was On The Apprentice 2025 — The Truth About Lord Sugar & What You Don’t See On TV ft. Frederick Afrifa
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 t
EP. 166 - £1M Entrepreneur: How Anyone Can Build a £1M+ Online Business ft. Michael Berhane
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 year
EP. 165 - Financial Advisor: Stop Overpaying Your Mortgage, Do This Instead! ft. Ian Dempsey
In this episode we Ian Dempsey, an independent financial advisor with nearly two decades of experience in the financial services industry. He brings a wealth of knowledge garnered from his extensive career, including roles in mortgage advising before venturing into financial advising.
In this episode we discuss:
- The proposed Cash ISA changes
- Overpaying your mortgage vs investing in the
EP. 164 - Accountant Exposes What You Must Do To Cut Your UK Taxes (It’s Simpler Than You Think!) ft. Benedicta Egbeme
In this episode we have Benedicta, who is a CIMA Qualified Accountant with over 13 years experience working in Government Finance, she’s a Finance Management Consultant, Public speaker and the founder of Beniratio Finances.
In this episode we discuss:
- Impact of Personal allowance being frozen
- Capital gains tax changes and what that means for you
- How businesses, employees and contract
EP. 163 - Top Rated Divorce Lawyer: What No One Tells You About Marriage & Money! ft. Priya Gill Liaudet
In this week's episode we have Priya Gill Liaudet, who is a divorce lawyer and a family law specialist. With over 10 years assisting couples who are forming a union and want an agreement in place to safeguard their future as much as possible.
In this episode we discuss:
- How the legal system views marriage and finances
- Why money causes a breakdown in marriage
- How a pre-nuptial and post-nupt
EP. 162 - £5M Entrepreneur: Don't Quit Your Job to Start A Business...Do THIS Instead! ft. Bejay Mulenga MBE
In this week's episode we have Bejay Mulenga MBE, who is the founder of the training, recruitment and development company, Supa Network where he has worked with brands such as Apple, Google, Amazon, Sony Music, Uber, Coca-Cola, Facebook, Nike and much more.
In this episode we discuss:
- Bejay's creating his first business at 14 and earning £200k at 18
- Building a training business and working wi
EP. 161 - UK’s First ISA Millionaire: How I Turned £657 a Month into £1M+ (My Exact Strategy Revealed!) ft. Lord John Lee
In this week's episode we have Lord John Lee, a House of Lords member, former MP, a Stock Market Investor with over 60 years of experience and author of the book “How To Make A Million Slowly Guiding Principles From A Lifetime of Investing”.
In this episode we discuss:
- Lessons John has learnt from 60 years of investing
- How he became the UK's First ISA Millionaire in 2003
- The strategy h
EP. 160 - Ex-Recruiter: Why You’re Not Getting Hired! The Exact Formula for Landing Your Dream Job! ft. Amie Touray
In this week's episode we have ex-recruiter and proposal manager Amie Touray who is a former pharmaceutical recruiter where she helped job seekers land roles in the industry. She is now a proposal manager in clinical research and the founder of For My Interview.
In this episode we discuss
- Why the Job market in the UK and globally is so tough
- How to effectively prepare for an interview
-
EP. 159 - Financial Advisor: Your UK Pension Won’t Be Enough If You Do This! ft. Pete Matthew (Meaningful Money)
In this episode we have Pete Matthew a 27-year veteran Chartered Financial Planner and the creator of Meaningful Money where he has developed over 600 videos and 550 podcast episodes, helping countless people understand how money works and how to make it work for them and he's the author of "The Meaningful Money Handbook".
In this episode we discuss:
- Stocks and Shares ISA vs Workplace Pensio
EP. 158 - Money Experts REVEAL How To Get Financially Free On An Average Salary ft. The Humble Penny
In this episode we have Ken and Mary Okoroafor, founders of award winning companies “The Humble Penny” and “Financial Joy Academy”, they are financial coaches, best selling author of the book “Financial Joy, a 10-week plan to help you banish debt, grow your money and unlock financial freedom” and international speakers.
In this episode we discuss:
- The importance of winning back some of yo
EP. 157 - Finance Author: You Won't Build True Wealth If You’re Doing This! ft. Sahil Bloom
In this episode we have Sahil Bloom is an inspirational writer providing actionable ideas to help people build a high performing, healthy, wealthy life. He’s also the author of the book "The 5 Types of Wealth"
In this episode we discuss:
- How we're playing the wrong wealth building game
- Working smart vs working hard
- The 5 types of wealth
- How to define your 'enough' life
- The dangers of j
EP. 156 - UK Mortgage Advisor: The Ultimate Guide To Getting A Mortgage In 2025! ft. Dan Knott
In this episode we have UK Mortgage Advisor, Dan Knott who has helped hundreds of first time buyers secure their first mortgages.
In this episode we discuss:
- How credit impacts your mortgage options
- Whether you can use stocks, crypto, pensions, side hustle income for a mortgage
- Getting a mortgage as a self-employed person
- What to do if you're a struggling landlord
- What to do if
EP. 155 - Expert Investor: ‘I Wish I Did This Sooner’—The Only 2 Investments You Need to Build Wealth & Get Rich! ft. Ramin Nakisa (Pensioncraft)
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 Ind
EP. 154 - £1.3M Entrepreneur: The Raw Truth About Building a Multi-Million Business From Nothing! ft. Gbemi Okunlola
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 collectio
About The Savvy Wallet Podcast
The Savvy Wallet Podcast will be on a short break and will return on the 13th January 2025.
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EP. 153 - Money Experts: Copy This Hack To Save More Money In 2025! Raising Kids In The UK Costs £223k! ft. Elisabeth & Nitika
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:
Why you need to define your life and money goals
The cost of your life goals and how it will determine your financial/money goals
A simple way to break down your money goals
Why 80% of people ditch their f
