Honest Money
- Episodes
- 353
- Released
- weekly
- Latest episode
- Nov 14, 2026
About the podcast
Your personal guide to financial freedom, hosted by the bestselling author and award-winning financial planner, Warren Ingram.
Episodes 353
Navigating Parental Financial Responsibilities
In this episode, Warren Ingram and Ray Mhere, CEO of Curate Investments, discuss how parents can fund children’s education without sacrificing their own financial security. They cover choosing schooling within …
Show notes
In this episode, Warren Ingram and Ray Mhere, CEO of Curate Investments, discuss how parents can fund children’s education without sacrificing their own financial security. They cover choosing schooling within your means, starting and automating investments early, involving children in money decisions, and prioritizing high-interest debt and retirement savings.
Chapters- 00:00 The challenge of balancing children’s needs and parents’ futures
- 01:56 Why education spending should fit the family’s means
- 05:32 Expensive schooling is not the same as better schooling
- 08:31 Start early: using time and tax-free savings for education
- 09:51 Turning birthdays into an investment opportunity
- 14:50 Tax-free savings first, then consider a unit trust
- 16:24 Preparing children to manage investments at 18
- 21:47 Pay off costly debt before saving for education
- 23:28 Retirement security is not selfish
- 26:12 Make money conversations part of financial education
- 27:05 Automate contributions and review goals over time
Learn more about how Curate Investments can help you here.
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
Would You Trust AI With R11 Million?
In this episode, Warren Ingram and Pieter de Villiers respond to a recently retired listener with about R11.6 million in retirement savings, a R500,000 cash buffer, and a plan to draw R35,000 a month. They …
Show notes
In this episode, Warren Ingram and Pieter de Villiers respond to a recently retired listener with about R11.6 million in retirement savings, a R500,000 cash buffer, and a plan to draw R35,000 a month. They explain why inflation, concentrated Nasdaq exposure, AI-generated guidance, and advice from friends all deserve scrutiny when building a retirement strategy that may need to last 30 years or more.
Chapters- 00:00 Listener asks for feedback on retirement portfolio
- 02:20 Retirement savings, monthly spending, and the missing portfolio
- 03:41 Why cash and bonds may fall behind inflation
- 05:32 Long horizons and the case for meaningful share exposure
- 06:17 Why a friend’s advice is not enough for a 30-year plan
- 07:06 Nasdaq concentration versus broad diversification
- 09:30 Peter on learning, AI, and financial opinions
- 11:18 Inflation, equities, and choosing a balanced fund
- 13:08 When to seek professional financial advice
- 14:40 Retirement resources and next steps for the listener
Learn more about how Curate Investments can help you here.
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
How to Choose the Best RA Fund in South Africa
In this episode, Warren Ingram and Pieter de Villiers explore how to choose the right investment funds for your retirement, focusing on asset allocation, fees, and performance. We also discuss upcoming …
Show notes
In this episode, Warren Ingram and Pieter de Villiers explore how to choose the right investment funds for your retirement, focusing on asset allocation, fees, and performance. We also discuss upcoming innovations like live Q&A sessions to better serve our community.
Chapters
- 00:00 Introduction and episode overview
- 02:06 Understanding asset allocation and risk
- 04:44 Regulation 28 and fund mandates
- 07:13 Fund categories and their objectives
- 09:27 Performance, fees, and past results
- 11:22 Focus on growth and psychological tolerance
- 12:39 Fund size, costs, and performance
- 13:23 Stick to your strategy and avoid short-term trading
- 14:43 Increasing contributions and long-term wealth building
- 15:16 Upcoming live Q&A sessions and community engagement
Learn more about Prescient Investment Management here.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
The Truth About Paying Off Debt Versus Investing
In this episode, Warren Ingram and Pieter de Villiers explore a comprehensive approach to personal finance, focusing on property investment, debt management, and tax-efficient strategies, with insights from a …
Show notes
In this episode, Warren Ingram and Pieter de Villiers explore a comprehensive approach to personal finance, focusing on property investment, debt management, and tax-efficient strategies, with insights from a seasoned financial advisor.
Chapters- 00:00 Introduction to the episode and guest
- 01:57 Assessing property value and yield
- 04:06 The role of debt and tax deductions in property investment
- 06:12 Diversification and risk management in property portfolios
- 07:52 Long-term strategies for building property wealth
- 10:09 Psychological aspects of debt and investment choices
- 12:06 Summary and final thoughts
Learn more about how Curate Investments can help you here.
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
The Truth About Lump Sum vs Monthly Investing
In this episode, Warren Ingram and Pieter de Villiers explore the nuances of investment timing, the psychological factors influencing investment decisions, and practical strategies for phased investing …
Show notes
In this episode, Warren Ingram and Pieter de Villiers explore the nuances of investment timing, the psychological factors influencing investment decisions, and practical strategies for phased investing, featuring insights from a seasoned financial advisor.
Chapters
- 00:00 Introduction and episode overview
- 02:21 When to consider lump sum investing during market downturns
- 06:02 Long-term market trends and statistical insights
- 07:20 Psychological considerations in investment decisions
- 08:43 The importance of self-awareness and risk tolerance
- 10:05 The role of patience and market timing
- 11:16 The value of understanding personal biases and emotional responses
- 12:37 The human element in investing and emotional resilience
- 13:26 Practical advice for phased investing and self-knowledge
- 14:16 Closing remarks and encouragement for listeners
Learn more about Prescient Investment Management here.
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
How To Invest R 200 000 For A 5 Year Goal
In this episode, Warren Ingram and Pieter de Villiers explore investment strategies for medium-term goals like funding a child's education, discussing risk management, expected returns, and suitable …
Show notes
In this episode, Warren Ingram and Pieter de Villiers explore investment strategies for medium-term goals like funding a child's education, discussing risk management, expected returns, and suitable investment vehicles.
Chapters- 00:00 Introduction to investment planning for education
- 02:05 Difference between information and advice in investments
- 04:12 Understanding fixed-interest bonds and their returns
- 06:44 Balanced funds and asset allocation for medium-term goals
- 09:14 Tax considerations for different investment types
- 11:10 Market fluctuations and managing expectations
- 12:07 Long-term vs short-term investment strategies
- 13:00 Avoiding over-engineering investment decisions
- 13:52 Gradual reduction of risk as goal approaches
- 14:30 Closing remarks and listener engagement
Learn more about how Curate Investments can help you here.
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
How To Start Investing On A Small Salary
In this episode, Warren Ingram and Pieter de Villiers explore how young professionals can navigate saving and investing with limited income, emphasizing the importance of understanding your 'why&apos …
Show notes
In this episode, Warren Ingram and Pieter de Villiers explore how young professionals can navigate saving and investing with limited income, emphasizing the importance of understanding your 'why', building an emergency fund, and the fundamentals of smart investing.
Chapters
- 00:00 Introduction and episode overview
- 00:02 The importance of knowing your 'why' in financial planning
- 00:14 Steps to build an emergency fund and manage debt
- 00:41 Balancing saving and investing at a low income
- 01:06 The significance of risk cover and income protection
- 01:31 The habit of saving 50% and its long-term benefits
- 01:59 Basic principles of investing: growth, tax efficiency, cost
- 02:02 Filtering information and avoiding noise in investing
- 02:27 The value of financial literacy and self-education
- 02:52 Encouragement and ongoing journey of financial growth
Learn more about Prescient Investment Management here.
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
Are You Paying For Insurance You Don't Need?
In this episode, Warren Ingram and Pieter de Villiers discuss how to evaluate investment platforms, the importance of transparency in fees, and strategies for managing insurance and benefits when changing jobs …
Show notes
In this episode, Warren Ingram and Pieter de Villiers discuss how to evaluate investment platforms, the importance of transparency in fees, and strategies for managing insurance and benefits when changing jobs or employers.
Chapters
00:00 Introduction to the episode and main topics
02:22 The role of aggregation in reducing fees
05:15 The longevity and reliability of investment platforms
08:07 Risks of reward programs and long-term commitments
10:26 Managing insurance when changing jobs
11:02 The benefits of group insurance schemes
12:17 Portability of insurance policies and continuation options
14:26 Avoiding overinsurance and unnecessary premiums
15:22 Reviewing insurance policies regularly
16:24 Final thoughts and questions from listenersLearn more about how Curate Investments can help you here.
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
The Trust Myth That Costs Families Millions
In this episode, Warren Ingram and Pieter de Villiers discuss the strategic use of trusts for estate planning, tax efficiency, and asset protection, clarifying common misconceptions and practical …
Show notes
In this episode, Warren Ingram and Pieter de Villiers discuss the strategic use of trusts for estate planning, tax efficiency, and asset protection, clarifying common misconceptions and practical considerations.
Chapters
00:00 Introduction to Trusts and Their Purpose
00:49 Why Trusts Are Not Primarily Tax-Saving Vehicles
02:06 When to Use a Trust for Asset Transfer
03:39 Practical Aspects of Transferring Assets into Trusts
05:34 Tax Implications of Trusts and Distributions
07:21 Avoiding High Tax Rates and Estate Duty
08:37 Tax-Effective Investment Vehicles for Trusts
10:36 Layering Trusts with Companies for Property Portfolios
12:36 Final Advice and When Trusts Make SenseLearn more about Prescient Investment Management here.
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
Retiring Soon With Too Much In Shares? Watch This
In this episode, Warren Ingram and Pieter de Villiers explore how individuals approaching retirement can strategically de-risk their portfolios, balancing growth and safety. Our experts discuss asset …
Show notes
In this episode, Warren Ingram and Pieter de Villiers explore how individuals approaching retirement can strategically de-risk their portfolios, balancing growth and safety. Our experts discuss asset allocation, risk management, and practical steps for a smooth transition into retirement.
Chapters
- 00:00 Introduction to Retirement Portfolio Strategies
- 01:58 Common Mistakes in Retirement Planning
- 04:04 The Importance of Asset Diversification
- 05:48 Rules of Thumb for Asset Allocation
- 08:08 Understanding Sequence of Return Risk
- 09:59 Mitigating Risks with Emergency Funds
- 12:07 The Changing Landscape of Retirement Funds
- 12:58 Final Tips for a Smooth Transition into Retirement
Learn more about how Curate Investments can help you here.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
Riding Out the Storm: Markets, Emotions, and Discipline
In this episode, Warren Ingram and Ryan Murphy, Global Head of Behavioral Insights at Morningstar, discuss the importance of behavioral insights in investing, how to manage anxiety and uncertainty, and the role …
Show notes
In this episode, Warren Ingram and Ryan Murphy, Global Head of Behavioral Insights at Morningstar, discuss the importance of behavioral insights in investing, how to manage anxiety and uncertainty, and the role of financial advisors in guiding long-term investment success.
Chapters
- 00:00 Introduction to Behavioral Insights in Investing
- 02:09 The Irrational Crowd and Market Behavior
- 03:53 Managing Anxiety and Uncertainty in Markets
- 05:55 Long-Term Investing and Market Cycles
- 08:05 The Role of Financial Advisors in Emotional Support
- 09:55 Planning for Market Volatility and Recessions
- 12:07 Building Resilience Through Proper Planning
- 13:55 Understanding Market History and Long-Term Trends
- 16:04 Questions to Ask Your Financial Advisor
- 18:01 The True Value of Behavioral Coaching
Learn more about Prescient Investment Management here.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 With No Retirement Savings? You're Not Behind
In this episode, Warren Ingram and Pieter de Villiers discuss balancing emergency savings and retirement investing after life setbacks, emphasizing the importance of a strong financial foundation and peace of …
Show notes
In this episode, Warren Ingram and Pieter de Villiers discuss balancing emergency savings and retirement investing after life setbacks, emphasizing the importance of a strong financial foundation and peace of mind.
Chapters
00:00 Introduction to the episode and guest
00:02 The importance of emergency funds and peace of mind
00:19 Balancing emergency savings with retirement contributions
00:46 The emotional and psychological aspects of financial planning
01:14 The impact of life setbacks and rebuilding wealth
01:42 The compounding effect of consistent investing over time
01:51 The analogy of emergency funds as safety features in a car
02:09 Encouragement to focus on what can be controlled
02:38 Patience and persistence in wealth accumulation
02:59 Final advice and encouragement for listenersLearn more about Prescient Investment Management here.
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
Can Moving Mom's Money Into An RA Avoid Tax?
In this episode, Warren Ingram and Pieter de Villiers discuss the complexities of estate planning, retirement annuities, and tax strategies, addressing common misconceptions and practical considerations for …
Show notes
In this episode, Warren Ingram and Pieter de Villiers discuss the complexities of estate planning, retirement annuities, and tax strategies, addressing common misconceptions and practical considerations for managing assets and minimizing taxes.
Chapters
00:00 Introduction to estate planning and common questions
02:08 Why transferring assets to an RA at an old age can be problematic
03:07 Tax implications of estate duty and retirement fund withdrawals
04:29 Risks of over-contributing to an RA and estate implications
06:20 How retirement fund payouts are regulated and their impact on estate
07:18 The role of trustees and nomination in retirement fund payouts
08:39 Alternative strategies to mitigate estate duty and fees
09:25 Balancing estate planning with quality of life for the elderly
11:22 When and why to consider an RA after retirement
12:53 Additional considerations: estate duty abatement and inheritance planningLearn more about how Curate Investments can help you here.
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
Why Most People Don't Have Wills and Why They Should
In this final FISA episode, Warren Ingram speaks to Chris Murphy, Director of Legacy Fiduciary Services and chairperson of FISA, about estate planning. They discuss common myths, the importance of having a …
Show notes
In this final FISA episode, Warren Ingram speaks to Chris Murphy, Director of Legacy Fiduciary Services and chairperson of FISA, about estate planning. They discuss common myths, the importance of having a will, and practical tips for protecting your family and assets.
Chapters
- 00:00 Introduction to Estate Planning
- 01:08 Busting Myths About Estate Planning
- 04:21 The Importance of Having a Will
- 04:52 Consequences of Dying Intestate
- 07:24 Guardianship and Minor Children
- 10:47 Financial Considerations in Estate Planning
- 13:26 Choosing the Right Executor
- 18:21 Finding Professional Help for Estate Planning
Learn more about how FISA can help you here.
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
The Retirement Annuity Myth That's Costing You Wealth
In this episode, Warren Ingram and Pieter de Villiers discuss the nuances of retirement planning, the role of retirement annuities, and how to make informed investment decisions in a changing regulatory …
Show notes
In this episode, Warren Ingram and Pieter de Villiers discuss the nuances of retirement planning, the role of retirement annuities, and how to make informed investment decisions in a changing regulatory landscape.
Chapters- 00:00 Introduction to Retirement Planning and Common Questions
- 00:27 Guest Introduction and Main Question on Retirement Annuities
- 00:53 Analysis of Retirement Savings and Withdrawal Strategies
- 01:19 The Cost and Fees of Retirement Annuities Today
- 02:19 Investment Choices and Regulation 28 Changes
- 04:01 Tax Benefits and Flexibility of Retirement Funds
- 06:04 Comparing RA and Discretionary Investments Long-term Performance
- 07:21 Tax Implications of Different Investment Vehicles
- 08:39 Risks of Government Regulation and Prescribed Assets
- 10:09 Post-apartheid Changes in Retirement Fund Regulations
- 11:25 The Flexibility of Living Annuities and Asset Allocation
- 13:10 Balancing Retirement and Discretionary Investments
- 14:43 The Importance of Diversification and Multiple Investment Vehicles
- 16:37 Practical Considerations for Dying and Inheritance
- 17:25 The Benefits of Nomination and Fast Access to Funds
- 18:20 Avoiding Strong Opinions and Embracing Evolving Products
- 19:09 The Role of Content and Personal Filtering in Investment Decisions
- 20:12 The Value of a Balanced, Multi-vehicle Investment Approach
- 21:04 Closing Remarks and Audience Engagement
Learn more about Prescient Investment Management here.
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
Trusts Uncovered: When and Why to Use Them
In this episode, Pieter de Villiers and Eben Nel, FISA Councillor and Fiduciary Adviser at PSG Wealth, discuss the complexities of estate planning through trusts, including when they make sense, their benefits …
Show notes
In this episode, Pieter de Villiers and Eben Nel, FISA Councillor and Fiduciary Adviser at PSG Wealth, discuss the complexities of estate planning through trusts, including when they make sense, their benefits, and legal considerations. Learn how trusts can protect wealth, facilitate long-term planning, and the importance of proper setup and management.
Chapters- 00:00 Introduction to Trusts and Estate Planning
- 01:11 Understanding the Purpose of Trusts
- 05:25 When to Consider a Trust
- 08:32 Evaluating Wealth and Trust Necessity
- 10:27 The Role of Testamentary Trusts
- 11:24 Legal Implications of Trust Control
- 18:06 Managing Dormant Trusts and Responsibilities
Learn more about how FISA can help you here.
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
The 3 Taxes Quietly Eating Your Investment Returns
In this episode, Warren Ingram and Pieter de Villiers explore the complexities of investment taxes, including income tax, dividends tax, and capital gains tax, and how they impact your investment returns over …
Show notes
In this episode, Warren Ingram and Pieter de Villiers explore the complexities of investment taxes, including income tax, dividends tax, and capital gains tax, and how they impact your investment returns over time. Our experts clarify common misconceptions and provide practical insights on managing tax efficiently in your investment strategy.
Chapters
00:00 Introduction to Investment Taxes and Their Importance
02:16 Practical Overview of How Taxes Work on Shares
05:02 Income Tax and Its Impact on Investments
06:21 Comparison of Different Tax Types on Investment Returns
07:09 Additional Taxes and Indirect Tax Considerations
08:58 Investment Strategy: Growth First, Tax Second
10:14 The Cost of Paying Excessive Tax on Interest
12:04 Retirement and De-Risking Investment Portfolios
13:24 Asset Allocation and Tax-Efficient Investing
14:23 Conclusion and Key Takeaways on Investment Taxes
Learn more about how Curate Investments can help you here.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
Avoid These Estate Planning Errors
In this episode, Pieter de Villiers and Ricky Opperman Knipe, Director of Marketing and Communications at Sentinel International Group, and Counselor of FISA, discuss the critical importance of wills, common …
Show notes
In this episode, Pieter de Villiers and Ricky Opperman Knipe, Director of Marketing and Communications at Sentinel International Group, and Counselor of FISA, discuss the critical importance of wills, common mistakes, and how to properly plan for estate succession, especially for parents and business owners.
Chapters
- 00:00 Introduction to estate planning and the importance of wills
- 00:29 Why a will is one of the most important documents in your life
- 02:15 Consequences of passing away without a will
- 04:37 Handling estate assets for parents with minor children
- 05:57 What happens to business shares without a will
- 09:19 Legal requirements for a valid will in South Africa
- 13:07 Common mistakes in drafting a will and how to avoid them
- 17:46 Dealing with offshore assets and international estates
- 26:30 When and how to review and update your will
- 34:03 Managing crypto assets and digital inheritance
- 36:37 Best practices for storing and safeguarding your will
Learn more about how FISA can help you here.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
From London to the World: A Journey of Financial Freedom
In this episode, Warren Ingram invites Robert Edwards to speak about his inspiring journey from a successful career in London to traveling the world and writing his book 'Quit, Travel, Grow.' Discover …
Show notes
In this episode, Warren Ingram invites Robert Edwards to speak about his inspiring journey from a successful career in London to traveling the world and writing his book 'Quit, Travel, Grow.' Discover insights on financial independence, intentional living, and the transformative power of travel.
Chapters- 0:00 Meet Robert Edwards and his unusual career path
- 1:37 Why Robert wrote Quit, Travel, Grow
- 2:56 Financial discipline and the power of being intentional
- 4:05 London life, lifestyle trade-offs, and the real cost of earning more
- 6:57 The mid-30s plateau and the urge for change
- 8:25 How a quick decision became a 12-month travel journey
- 9:18 Why Robert chose countries off the usual travel path
- 10:17 Money, culture, and what people want everywhere
- 11:59 Getting mugged in Colombia and what it taught him
- 13:26 Why perspective matters when comparing South Africa to the world
- 16:09 Ending the trip and coming home after a year away
- 17:19 Best-value destinations for South Africans to travel to
- 22:10 What financial freedom really means
- 24:01 The lesson Robert would teach his 21-year-old self
- 25:56 Final thoughts and book title reveal
Want a copy of Robert's book? Find a physical copy here or the ebook version here.
Learn more about Prescient Investment Management here.
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
Estate Planning Made Simple: Protect Your Legacy
In this episode, Pieter de Villiers and guest speaker Angélique Krügel, FISA counselor and director of Wealth and Legacy Group, break down estate planning into simple terms, explaining its importance, process …
Show notes
In this episode, Pieter de Villiers and guest speaker Angélique Krügel, FISA counselor and director of Wealth and Legacy Group, break down estate planning into simple terms, explaining its importance, process, and common pitfalls. Perfect for anyone looking to understand how to protect their assets and ensure their wishes are honored after passing.
Chapters- 00:00 Introduction to estate planning and guest introduction
- 01:10 What is estate planning? Simplified explanation
- 02:23 Why estate planning is often overlooked
- 02:54 What happens when you pass away? The estate process
- 03:47 Assets involved in estate planning: property, aircraft, and financial products
- 05:46 The relationship between wills and estate planning
- 07:07 Nomination of beneficiaries and the role of trustees
- 07:59 Liquidity issues in estate management
- 09:19 Tax implications: estate duty, capital gains tax, and transfer costs
- 10:50 Handling estate liquidity shortfalls and asset liquidation
- 12:21 Legal considerations for guardians and minors
- 14:24 The importance of updating estate plans regularly
- 15:26 Dealing with debt and insolvency in estate planning
- 16:18 Loans, trusts, and asset transfers in estate planning
- 18:01 International assets and cross-jurisdiction estate planning
- 22:38 Common mistakes in estate planning and how to prevent them
- 23:53 The importance of professional guidance and early planning
- 25:21 Final thoughts: estate planning for everyone
Learn more about how FISA can help you here.
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
How to Know When You Need a Financial Advisor
In this episode, Warren Ingram and Pieter de Villiers discuss when and why to seek professional financial advice, the different types of engagement with financial planners, and how to determine the right …
Show notes
In this episode, Warren Ingram and Pieter de Villiers discuss when and why to seek professional financial advice, the different types of engagement with financial planners, and how to determine the right approach for your life stage and personality.
Chapters- 00:00 Introduction and overview of questions about financial advice
- 00:28 The importance of understanding your own financial personality
- 02:06 When does it make sense to seek professional financial help?
- 03:18 The three broad personality groups: DIYers, delegators, and validators
- 04:44 The control and control aversion in financial decision-making
- 07:28 The value of financial literacy and continuous learning
- 11:47 Life stages and their impact on financial planning needs
- 14:34 Different ways to engage with a financial planner
- 17:18 The importance of accountability and external perspectives
- 20:50 The risks of overconfidence and blind trust in financial decisions
- 23:47 The analogy of medical advice and the importance of professional guidance
- 25:40 How to choose the right financial advisor and engagement model
- 27:04 Closing remarks and encouragement to ask questions
Learn more about how Curate Investments can help you here.
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
Why Most South Africans Get Estate Planning Wrong
In this episode, Warren Ingram invites Jan du Plessis, CEO of the Fiduciary Institute of Southern Africa (FISA), to do a series on the importance of estate planning for all South Africans. They discuss common …
Show notes
In this episode, Warren Ingram invites Jan du Plessis, CEO of the Fiduciary Institute of Southern Africa (FISA), to do a series on the importance of estate planning for all South Africans. They discuss common pitfalls, legal requirements, and practical tips to ensure your estate is in order and your loved ones are protected.
Chapters
- 00:00 Why Estate Planning Matters for Everyone
- 02:01 The Most Common Estate Planning Mistakes
- 04:25 Why Wills Need Regular Updates
- 07:58 Guardianship, Children, and Trusts
- 12:07 Divorce and Invalid Wills
- 13:21 What Makes a Will Legally Valid
- 16:04 Undue Influence and Inheritance Disputes
- 20:49 Why Fiduciary Professionals Matter
- 23:35 Final Advice: Don’t Leave It to Chance
Learn more about how FISA can help you here.
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
The Science of Winning: George Kusche's Journey to Comrades Record
In this episode, Warren Ingram and Pieter de Villiers invite guest speaker George Kusche to talk through his remarkable journey of winning the Comrades Marathon while balancing full-time studies in actuarial …
Show notes
In this episode, Warren Ingram and Pieter de Villiers invite guest speaker George Kusche to talk through his remarkable journey of winning the Comrades Marathon while balancing full-time studies in actuarial science, family, and personal development. Discover how he maintains focus, consistency, and purpose across multiple demanding areas of life.
Chapters- 00:00 Introduction to George Kusher
- 02:23 Balancing Life and Ambition
- 05:43 The Path to Becoming a Comrades Champion
- 10:27 Mental Strategies During Races
- 15:29 The Journey vs. Destination
- 20:43 Overcoming Challenges and Finding Fulfillment
- 22:35 The Science of Training and Sharing Knowledge
Learn more about Prescient Investment Management here.
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
What Actually Happens to Your Debt When You Die?
In this episode, Warren Ingram and Pieter de Villiers explore the complexities of money personalities, the implications of debt, and how different life choices impact financial well-being. They discuss …
Show notes
In this episode, Warren Ingram and Pieter de Villiers explore the complexities of money personalities, the implications of debt, and how different life choices impact financial well-being. They discuss practical scenarios, psychological perspectives, and the importance of balance in personal finance.
Chapters:- 00:36- The importance of conversations around money
- 01:48- Long-term consequences of debt and estate implications
- 02:18- Exploring the four main money personalities
- 04:06- Risks associated with debt behaviors and lifestyle choices
- 04:35- The impact of personality on wealth accumulation and life satisfaction
- 06:00- Practicalities of debt at death and estate settlement process
- 07:15- How banks evaluate creditworthiness and the role of insurance
- 09:16- Estate priorities and typical debt repayment sequences
- 10:14- Selling assets to settle estates and consequences for beneficiaries
- 12:20- Risks for joint estates and shared debt liability
- 15:07- Living for today versus planning for future security
- 16:40- The influence of childhood and environment on money habits
- 17:08- Finding a balance: enjoying life and being prepared
- 18:30- Recognizing the value of both saving and savoring the moment
- 21:53- The concept of life phases and prioritizing accordingly
- 22:46- Encouraging open conversations and sharing different perspectives
Learn more about how Curate Investments can help you here.
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
Carrying Your Partner's Debt Is Destroying Your Wealth
In 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 …
Show notes
In this episode, Warren Ingram and Pieter de Villiers discuss managing financial relationships, debt, and planning for education savings, emphasizing open communication and strategic planning.
Chapters
- 00:00 Introduction to the episode and guest
- 00:26 Question from listener about partner debt and savings
- 02:10 The importance of self-care and financial boundaries
- 03:59 Managing relationship dynamics and money personalities
- 07:36 The role of open communication and professional help
- 08:45 Building shared financial goals and avoiding resentment
- 11:34 Strategies for saving for children's education
- 13:29 Paying off mortgage as a financial anchor
- 15:41 Investment vehicles for education savings
- 18:21 The importance of discipline and avoiding costly policies
- 20:07 Conclusion and encouragement for ongoing dialogue
Learn more about Prescient Investment Management here.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
Mastering Diversification: Building Resilient Investment Portfolios
In 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 …
Show notes
In 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.
Chapters
- 00:00 Introduction to Diversification
- 01:31 Understanding True Diversification
- 05:15 Types of Diversification
- 10:06 The Role of Balanced Funds
- 14:41 Monitoring and Adjusting Your Portfolio
- 18:08 Building a Diversified Portfolio
- 22:00 Long-Term Investment Strategies for Children
- 26:52 Final Thoughts on Early Investment
Learn more about how Curate Investments can help you here.
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
How To Switch Funds Within A TFSA
In 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 …
Show notes
In 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.
Chapters- 00:00 Introduction to tax-free savings questions
- 02:09 Setting up a tax-free account for a child
- 04:03 Contributions and donations tax considerations
- 06:25 Switching investments within a tax-free account
- 08:09 Transferring and consolidating accounts
- 09:02 Implications of switching ETFs and funds
- 10:49 How to transfer funds between providers
- 12:03 Encouragement for questions and future topics
Learn more about how Curate Investments can help you here.
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
How Much Fees Should I Be Paying On My Investments?
In 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 …
Show notes
In 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.
Chapters
- 00:00: Introduction to the fee question
- 01:55 :What effective annual cost means
- 02:24: Investment management fees: active vs passive
- 05:04: Performance fees and realistic fund fee ranges
- 07:11: How to compare fund performance fairly
- 09:03: Admin fees and platform types
- 10:01: LISPs vs brokerage platforms
- 12:53: Why index trusts can be cheaper than brokerages
- 14:42: Service quality, tax reporting, and hidden costs
- 17:04: Advisor fees and compensation models
- 18:21: Why commission-based advice is problematic
- 19:17: Flat fees, hourly fees, and ongoing retainers
- 24:06: Why an advisor can add value beyond picking funds
- 26:28: Practical fee ranges for total costs
- 28:24: Final takeaway: price vs value
Learn more about Prescient Investment Management here.
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
How To Invest Directly Offshore As A South African
In 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 …
Show notes
In 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.
Chapters- 00:00 Introduction and episode overview
- 00:25 The importance of offshore investment domicile
- 02:52 Choosing the right jurisdiction for offshore ETFs
- 04:38 Mechanics of currency conversion and transaction costs
- 06:28 Long-term investment strategies and asset allocation
- 08:44 Risks of individual stocks vs. index funds
- 10:11 Timing and market considerations for offshore investing
- 11:33 Helping others build financial literacy and savings
- 13:58 Starting conversations about financial goals
- 15:53 The ripple effect of financial education
- 17:29 Practical tips for small investors
- 21:21 Closing remarks and engagement encouragement
Learn more about how Curate Investments can help you here.
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
How To Choose A Global Index Fund As A South African
In 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 …
Show notes
In 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 Purpose
- 00:24 Listener Questions and Engagement
- 01:12 Investing in MSCI ACWI ETF for Long-Term Growth
- 02:05 Maximizing Tax-Free Savings and Contribution Limits
- 02:47 Choosing the Right Diversified ETF for Retirement
- 05:44 Funding Education with Tax-Free Accounts
- 07:23 Managing Investment Risks for Short and Long Term
- 09:37 Teaching Kids Financial Literacy and Involving Them in Investments
- 10:28 Expat Investing: Tax and Currency Considerations
- 13:17 Importance of Tax Planning for International Investors
- 14:34 Understanding MSCI All Country World Index (ACWI) and JSE
- 16:18 US Domicile ETFs and Tax Implications
- 17:41 Asset Allocation and Global Diversification Strategies
- 18:39 Retirement Contributions and Offshore Income
- 20:00 Managing Offshore Investments and Tax Laws
- 21:50 Final Advice and Encouragement for Investors
Learn more about Prescient Investment Management here.
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
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