Podcast
Honest Money
Hosted by Warren Ingram · EN
Your personal guide to financial freedom, hosted by the bestselling author and award-winning financial planner, Warren Ingram.
13episodes
Episodes
Newest firstAll episodes
Carrying Your Partner's Debt Is Destroying Your Wealth
1w ago00:23:52Tap to summarizeIn this episode, Warren Ingram and Pieter de Villiers discuss managing financial relationships, debt, and planning for education savings, emphasizing open communication and strategic planning.Chapters00:00 Introduction to the episode and guest00:26 Question from listener about partner debt and savings02:10 The importance of self-care and financial boundaries03:59 Managing relationship dynamics and money personalities07:36 The role of open communication and professional help08:45 Building shared financial goals and avoiding resentment11:34 Strategies for saving for children's education13:29 Paying off mortgage as a financial anchor15:41 Investment vehicles for education savings18:21 The importance of discipline and avoiding costly policies20:07 Conclusion and encouragement for ongoing dialogueLearn more about Prescient Investment Management here.Send us Fan MailLeadership Lessons From The Great BooksUnderstanding great literature is better than trying to read and understand (yet)...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
Transcribe →Mastering Diversification: Building Resilient Investment Portfolios
1w ago00:31:24Tap to summarizeIn this bonus episode, Warren Ingram and Ray Mhere, CEO of Curate Investments, explore the intricacies of investment diversification, asset allocation, and long-term financial planning. They share practical insights on building resilient portfolios, avoiding common pitfalls, and educating the next generation about wealth management.Chapters00:00 Introduction to Diversification01:31 Understanding True Diversification05:15 Types of Diversification10:06 The Role of Balanced Funds14:41 Monitoring and Adjusting Your Portfolio18:08 Building a Diversified Portfolio22:00 Long-Term Investment Strategies for Children26:52 Final Thoughts on Early InvestmentLearn more about how Curate Investments can help you here.Send us Fan MailLeadership Lessons From The Great BooksUnderstanding great literature is better than trying to read and understand (yet)...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
Transcribe →How To Switch Funds Within A TFSA
2w ago00:14:24Tap to summarizeIn this episode, Warren Ingram and Pieter de Villiers answer your questions about tax-free savings accounts, including setup for children, investment switching, and transfer rules, providing practical insights to maximize benefits.Chapters00:00 Introduction to tax-free savings questions02:09 Setting up a tax-free account for a child04:03 Contributions and donations tax considerations06:25 Switching investments within a tax-free account08:09 Transferring and consolidating accounts09:02 Implications of switching ETFs and funds10:49 How to transfer funds between providers12:03 Encouragement for questions and future topicsLearn more about how Curate Investments can help you here.Send us Fan MailHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
Transcribe →How Much Fees Should I Be Paying On My Investments?
3w ago00:30:36Tap to summarizeIn this episode, Warren Ingram and Pieter de Villiers break down one of the most confusing parts of investing: total fees. They explain how to understand the full cost of investing through effective annual cost, including investment management fees, platform/admin fees, and advisor fees.Chapters00:00: Introduction to the fee question01:55 :What effective annual cost means02:24: Investment management fees: active vs passive05:04: Performance fees and realistic fund fee ranges07:11: How to compare fund performance fairly09:03: Admin fees and platform types10:01: LISPs vs brokerage platforms12:53: Why index trusts can be cheaper than brokerages14:42: Service quality, tax reporting, and hidden costs17:04: Advisor fees and compensation models18:21: Why commission-based advice is problematic19:17: Flat fees, hourly fees, and ongoing retainers24:06: Why an advisor can add value beyond picking funds26:28: Practical fee ranges for total costs28:24: Final takeaway: price vs valueLearn more about Prescient Investment Management here.Send us Fan MailLeadership Lessons From The Great BooksUnderstanding great literature is better than trying to read and understand (yet)...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
Transcribe →How To Invest Directly Offshore As A South African
4w ago00:24:21Tap to summarizeIn this episode, Warren Ingram and Pieter de Villiers discuss offshore investing strategies, building financial literacy, and helping others with savings and retirement planning. They explore practical tips for long-term wealth building and the importance of financial education.Chapters00:00 Introduction and episode overview00:25 The importance of offshore investment domicile02:52 Choosing the right jurisdiction for offshore ETFs04:38 Mechanics of currency conversion and transaction costs06:28 Long-term investment strategies and asset allocation08:44 Risks of individual stocks vs. index funds10:11 Timing and market considerations for offshore investing11:33 Helping others build financial literacy and savings13:58 Starting conversations about financial goals15:53 The ripple effect of financial education17:29 Practical tips for small investors21:21 Closing remarks and engagement encouragementLearn more about how Curate Investments can help you here.Send us Fan MailLeadership Lessons From The Great BooksUnderstanding great literature is better than trying to read and understand (yet)...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
Transcribe →How To Choose A Global Index Fund As A South African
Jun 1300:25:43Tap to summarizeIn this episode, Warren Ingram and Pieter de Villiers discuss strategic investment choices, tax-efficient savings, and financial planning for expatriates and young investors. The conversation covers diversified ETFs, tax-free accounts, and offshore investments, providing practical advice for long-term wealth building.Chapters: 00:00 Introduction and Episode Purpose00:24 Listener Questions and Engagement01:12 Investing in MSCI ACWI ETF for Long-Term Growth02:05 Maximizing Tax-Free Savings and Contribution Limits02:47 Choosing the Right Diversified ETF for Retirement05:44 Funding Education with Tax-Free Accounts07:23 Managing Investment Risks for Short and Long Term09:37 Teaching Kids Financial Literacy and Involving Them in Investments10:28 Expat Investing: Tax and Currency Considerations13:17 Importance of Tax Planning for International Investors14:34 Understanding MSCI All Country World Index (ACWI) and JSE16:18 US Domicile ETFs and Tax Implications17:41 Asset Allocation and Global Diversification Strategies18:39 Retirement Contributions and Offshore Income20:00 Managing Offshore Investments and Tax Laws21:50 Final Advice and Encouragement for InvestorsLearn more about Prescient Investment Management here.Send us Fan MailLeadership Lessons From The Great BooksUnderstanding great literature is better than trying to read and understand (yet)...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
Transcribe →Should I Invest In Silver As a South African?
Jun 600:29:22Tap to summarizeIn this episode, Warren Ingram and Pieter de Villiers cover investing in precious metals like gold and silver, and managing car loans effectively. Experts share insights on diversification, the role of commodities in portfolios, and practical advice on vehicle ownership and debt management in this Q&A.Chapters00:00 Introduction and Audience Engagement00:22 Questions from the Audience on Precious Metals02:15 Investing in Gold and Silver: Perspectives and Strategies03:40 The Wealthy Families' Approach to Precious Metals05:28 Gold and Silver: Hedge Against Fear and Inflation07:21 ETFs vs Physical Assets: Pros and Cons08:44 Diversification Limits and Market Exposure10:34 Simplifying Portfolio Management and Avoiding Overengineering11:34 Doomsday Preppers and Asset Choices13:07 Audience Question on Car Loan Management15:21 Strategies for Managing Car Ownership and Loans22:48 Cost-effective Car Ownership and Maintenance Tips25:42 Final Thoughts and Audience EngagementLearn more about how Curate Investments can help you here.Send us Fan MailLeadership Lessons From The Great BooksUnderstanding great literature is better than trying to read and understand (yet)...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
Transcribe →
The Future of AI in Business: Opportunities and Challenges
May 3000:28:32Tap to summarizeIn this episode, Warren Ingram and Ruphert Hare explore the impact of artificial intelligence on various industries, emphasizing its current applications, future potential, and the importance of staying updated. Rupert from Prestient Investment Management shares insights on AI integration, misconceptions, and the evolving job landscape.Chapters00:00 Introduction to AI in Financial Services02:47 The Evolution of AI and Its Impact05:14 Job Displacement and Economic Growth07:50 The Role of Human Touch in AI10:49 Future-Proofing Careers in an AI World13:21 The Rise of Craftsmanship and Niche Skills15:56 Democratization of Skills and Services18:50 The Future of Financial Planning21:17 Conclusion and Final ThoughtsLearn more about Prescient Investment Management here.Send us Fan MailLeadership Lessons From The Great BooksUnderstanding great literature is better than trying to read and understand (yet)...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
Transcribe →Buying vs Renting Property In Cape Town
May 2300:20:27Tap to summarizeIn this episode of Honest Money, Warren Ingram and Pieter de Villiers explore the complex considerations behind buying versus renting property, especially in high-value markets like Cape Town. They discuss lifestyle versus investment goals, market risks, costs involved, and how personal circumstances influence these decisions.Timestamps:00:23 - Q&A scenario: Paid-off Durban property and considering Cape Town01:35 - Property as a side hustle versus primary occupation02:32 - Market trends in Cape Town and why historical performance isn't a guarantee03:54 - The debate: property as an investment vs. lifestyle choice04:24 - Advantages of ownership for lifestyle versus investing motives05:23 - Common regrets about property investment from retirees06:18 - Capital growth and cash flow strategies in different markets like Cape Town and Johannesburg07:12 - Structuring property ownership: trusts, personal names, and portfolios07:41 - How long to hold property and the importance of testing the waters08:37 - Lifestyle vs. investment: All about personal goals and market research09:06 - Challenges of managing property and related costs10:22 - Municipal rates and rising costs in Cape Town11:20 - Transaction costs, legal fees, and the true expenses of buying and selling12:15 - Mortgages, deposit strategies, and bank offers12:45 - The rising cost of property ownership and the importance of planning for it14:10 - Comparing property investment to stock market investing16:24 - Simplicity in life: personal preference for low-debt property ownership16:52 - Planning for future property investments and lifestyle goals17:21 - Final advice: patience, research, and understanding market nuancesLearn more about how Curate Investments can help you here.Send us Fan MailHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
Transcribe →How To Build A Simple Retirement Income Plan In SA
May 1600:19:17Tap to summarizeIn this episode, Warren Ingram and Pieter de Villiers explore retirement income strategies, focusing on how to structure your investments during the accumulation phase and transition into retirement. It emphasizes the importance of simplicity, proper planning, and tax efficiency in managing retirement funds.Chapters00:00 Introduction and Episode Context01:20 Retirement Income Strategies for Accumulating Wealth02:20 Structuring Multiple Retirement Accounts and ETFs04:17 The Importance of Simplicity in Retirement Planning08:34 Managing Living Annuities and Discretionary Assets12:36 Tax-Efficient Income Strategies in Retirement14:27 Creating a Simple, Effective Retirement Plan16:01 Closing RemarksLearn more about Prescient Investment Management here.Send us Fan MailHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
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