Honest Money

Warren Ingram
  • 4.8 (187)
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  • UPDATED WEEKLY

Your personal guide to financial freedom, hosted by the bestselling author and award-winning financial planner, Warren Ingram.

  1. 1 DAY AGO

    Unit Trusts 101: How South Africans Can Choose the Right Fund for Their Future

    In this bonus episode, Warren Ingram and Ray Mhere discuss the complexities of selecting unit trusts for investment. They speak to the importance of understanding time horizons, matching investment goals with risk tolerance, and evaluating financial capacity. The conversation also covers the significance of investment fees and the necessity of staying invested for the long term to achieve financial goals. Takeaways Unit trusts are a popular investment choice for private investors.Understanding your time horizon is critical when investing.Investment goals dictate the appropriate time horizon.Risk tolerance affects investment decisions and choices.Financial capacity must be assessed before investing.Investment fees should be fair and justified based on services provided.A fund's track record is important for assessing performance.Investors should stay the course and not react to short-term market fluctuations.Long-term investing is essential for achieving financial goals.Investing should be viewed as a lifelong commitment. Learn more about how Curate Investments can help you here. Send us a text Have 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

    34 min

  2. 5 DAYS AGO

    The Road to Retirement: Smart Money Moves for South Africans in Their 50s

    In this episode, Warren Ingram and Pieter de Villers discusses the financial considerations for individuals in the sunset of their careers, focusing on debt management, investment strategies, and the importance of building emergency funds. They also speak about the need to eliminate debt before retirement, the psychological aspects of transitioning from work to retirement, and the significance of finding purpose beyond one's career. Takeaways Retirement becomes a reality around age 50.Debt is a weapon of wealth destruction.Aim to be debt-free by retirement age.Paying off your bond is a guaranteed return.Build an emergency fund of 3-6 months' expenses.Celebrate milestones like paying off your home loan.Invest in your social capital for a fulfilling life.Transitioning from work can be stressful; reduce financial pressures.Consider downsizing your home as kids move out.Focus on building wealth aggressively in your 50s. Learn more about how Curate Investments can help you here. Send us a text Have 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

    22 min

  3. 18 OCT

    When Money Meets Grief: Managing Inheritance With Purpose and Clarity

    In today's episode, Warren Ingram and Pieter de Villiers discuss the complexities of inheriting wealth, particularly in the context of grief and emotional connections. They chat through the importance of understanding the emotional ties to inherited money, taking time to process grief, and making informed financial decisions. The conversation also covers practical steps for managing inherited wealth, addressing feelings of guilt, and the necessity of creating a financial plan that aligns with personal values.  Takeaways Inheriting money often comes with emotional complexities.Understanding the source of inherited money is crucial.Time is essential in making financial decisions after a loss.Guilt can accompany inherited wealth; addressing it is important.Creating a financial plan should align with personal values.Professional guidance can help navigate financial decisions.It's important to process grief before making big financial choices.Giving back can alleviate feelings of guilt associated with inheritance.Financial education is key to managing inherited wealth effectively.Taking time to learn about money can empower decision-making.  Learn more about Prescient Investment Management here. Send us a text Have 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

    24 min

  4. 11 OCT

    From Nappies to Net Worth: Financial Planning for New Parents in SA

    In this episode of Honest Money, Warren Ingram and Pieter de Villiers discusses essential financial considerations for new parents. The conversation covers a checklist of must-haves for parents, including income protection, the importance of having a will, understanding life insurance needs, managing short-term risks, and preparing for the financial impact of parenthood. Takeaways Parents must have a financial checklist in place.Income protection is essential for family security.A will is crucial for asset distribution after death.Life insurance is a cost-effective way to protect your family.Medical expenses can increase significantly with children.Proactive planning is better than reactive measures.Teaching children financial responsibility is vital.Involve children in financial discussions early on.Understanding your insurance needs is key to financial security.Budgeting for a child's future is necessary.  Learn more about how Curate Investments can help you here. Send us a text Have 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

    28 min

  5. 4 OCT

    The Mid-Life Money Juggle: Why South Africans in Their Later Years Feel the Pressure

    In today's episode, Warren Ingram and Pieter de Villiers discus the challenges faced by the sandwich generation, who are responsible for both their children and aging parents. The conversation speaks to the importance of prioritizing financial independence, making informed educational choices, and having open discussions about financial responsibilities within the family. They also highlight the need for balance and intentionality in decision-making to avoid financial strain and resentment, ultimately advocating for a supportive family ecosystem. Takeaways This is the juggling stage of life.You have to put it on yourself first.You can't logically expect to have enough money if you start saving late.You can't take care of your children fully and your parents fully.Be intentional about your decisions regarding education.You don't have to fill all the gaps with money; presence matters.You need to prioritize yourself first before others.Resentment can build silently and lead to conflict.Success is different for everyone; define it for yourself.Create a balanced family ecosystem to support each other. Learn more about Prescient Investment Management here. Send us a text Have 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

    28 min

  6. 27 SEPT

    Time Is Ticking: How South Africans Aged 35–50 Can Still Build Lasting Wealth

    In this episode, Warren Ingram and Pieter de Villiers discuss the financial challenges faced by individuals in their mid-career stage, particularly those aged 35 to 50. They discuss common mistakes, the importance of setting financial objectives, managing debt, and the impact of lifestyle creep. They also touch on the need for budgeting, saving for retirement, and investing wisely while navigating the complexities of supporting both children and aging parents, often referred to as the sandwich generation. Takeaways Mid-career individuals often juggle multiple financial responsibilities.It's important to prioritize financial objectives and manage expectations.Debt can hinder financial growth if not managed properly.Lifestyle creep can lead to unsustainable spending habits.Budgeting is crucial for understanding financial capacity.Investing early can leverage the power of compound interest.Communication with partners about finances is essential.Balancing saving for children and retirement is a common challenge.Understanding your financial capacity helps avoid overcommitment.Regularly revisiting your financial plan is key to success. Learn more about Prescient Investment Management here. Send us a text Have 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

    27 min

  7. 20 SEPT

    From Debt to Growth: Your Money Roadmap in Your 20s & 30s

    In this episode, Warren Ingram and Pieter de Villiers discuss essential financial principles for young adults, focusing on the importance of paying off debt, the benefits of tax-free savings accounts, and long-term investment strategies. They speak to the significance of education in financial success and the need to choose the right retirement products.  Takeaways Investing is the fun part of managing money.Pay off bad debt before starting to invest.Tax-free savings accounts are a valuable tool.Long-term investments should focus on growth assets.Market volatility is normal; stay invested for the long term.Invest in your financial education for better returns.Avoid high-fee retirement products.Automate your investments for consistency.Don't get caught up in daily market fluctuations.Your ability to earn is your greatest asset.  Learn more about Prescient Investment Management here. Send us a text Have 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

    30 min

  8. 13 SEPT

    Budget Like a Pro: Spending Plans, Savings & the 50/30/20 Rule

    In this episode, Warren Ingram and Pieter de Villiers discuss the foundational aspects of financial planning, focusing on the importance of creating a spending plan, understanding needs versus wants, and establishing an emergency fund. They speak to practical tips for budgeting, the 50/30/20 rule, and the necessity of taking control of one's finances to achieve financial freedom. Takeaways Eight out of ten salary earners don't have a proper spending plan.Understanding needs versus wants is crucial for budgeting.A conscious spending plan allows for enjoyment while saving.Automating savings can simplify financial management.Building an emergency fund is essential for financial security.The 50/30/20 rule helps allocate income effectively.Tracking expenses is necessary to understand spending habits.Investing in healthy food can save money in the long run.Giving back can enhance personal satisfaction and financial well-being.Financial freedom requires taking control of your money. Learn more about Prescient Investment Management here. Send us a text Have 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

    31 min
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4.8
out of 5
187 Ratings

About

Your personal guide to financial freedom, hosted by the bestselling author and award-winning financial planner, Warren Ingram.

Information

  • Creator
    Warren Ingram
  • Years Active
    2020 - 2025
  • Episodes
    288
  • Rating
    Clean
  • Copyright
    © 2025 Honest Money
  • Show Website
    Honest Money

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