Only 6% Invest: Steps to Build Your Wealth | S7 Ep.6 - The Sound of Accra Podcast

Episode Transcript
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(00:00):
For me, I like to invest. I I mean, it's no secret. I I like
to invest. Right? And I think that's where you really build wealth. Right? I think
pivoting is important, and taking some level of risk is also
important. That risk that you're taking is gonna pay off. I think I've always been
interested in making money and I, you
know, for me, it's really because I didn't really have much grown ups. Yeah. It

(00:22):
only mattered when post university I wanted to get a
Sony tablet, went to the shop, failed the credit check, and that
embarrassment kind of led me to okay. I said, you need to change your
way.
Hey, guys. I go by the name of Adrian Daniels. Welcome to the Sound of
Accra podcast. This is the show where we speak with top entrepreneurs,

(00:45):
creatives, founders from a Ghanaian background or interest
with the aim of leaving you behind a meaningful takeaways that you can apply
in your life, business and career. For today's show
notes, I'd like you to head over to
thesoundofaccra.com/ato. That's
thesoundofaccra.com/ato for
all of today's links, references, resources, and nuggets.

(01:08):
If you're watching YouTube, please hit the subscribe button, leave a
comment below, and let us know what you think of today's episode. A five star
review is very much appreciated if you're listening on Apple, Spotify,
and all the podcasting platforms. Alright, so I think that's housekeeping out the
way. Guys, look who's in the studio. Look who's in
the studio. Wow. Crazy. Ato from Savvy

(01:30):
Wallet. I'm sure you guys have been watching Savvy Wallet. Some of you may have
seen Savvy Wallet. You guys are thinking, he's not doing. What are you
doing on the show? He's not doing. But he went to Ghana.
He went to Ghana last was it last year you went to Ghana? It was
last year. August. Yeah. Time has flown by. No. Ato, thanks for coming on,
bro. Welcome, bro. It's a pleasure. You know? You know, we've been out I

(01:52):
know this has been Yeah. In the making for a while, but, I'm
glad to to come on your podcast because you came on mine. Absolutely. I had
to return the favour. I had to return the favour. I really did. But, of
course, nevertheless, you're my friend now. So I think we've formed a
relationship on the back of London Podcast Show. Not this year, but last year. Last
year is one. Yes. Yes. Yes. It has grown a lot. Right? Like, especially our

(02:13):
relationship. We talk a lot about, you know, how
the podcast space is changing, how we see ourselves in it.
And I think a lot has changed in two years.
I would say a lot has changed for me in this year. A lot has
changed. It has. You know? And I'm only just excited for more more in the
future as well. So Yeah. Has a lot has changed for you, especially when,

(02:35):
you know, that episode of you and Benedict is it Benedicta or Benedicta?
Benedicta. Yeah. When that went half a million views. I remember being
in Ghana, seeing I was like, what's up? What's going on here? What's going on
there? Is is is someone messing with the numbers? Is is someone manipulated the
numbers? Election fraud. What's happening? Election fraud.
What's going on? What's going on? But, guys, if you don't know, Atto, he's senior

(02:57):
tech consultant and is the host of Savvy Wallet podcast where he interviews the top
minds in business, finance, mindset, and more. We will leave a link
below in the description and in the show notes for more information about his
podcast. You can go watch, subscribe, listen to it, all of that good stuff.
Yes. So yes. So, of course, you may have heard we've met on we met
at the podcast show last year, the London podcast show, and then, of course, we've

(03:19):
gone to form a friendship. On top of that, Ata
went to Ghana. Ata, Ata, you know what? Tell me about your trip to Ghana.
I know you weren't there for too long, but I think but I'm I'm but
you've you've mentioned that you see a lot of potential Yeah. Out there,
and it's a place really that you feel you can thrive. Talk talk to me,
bro. Well, I think that yeah. You know what? Yeah. So I went to Ghana

(03:40):
last year, August, for my friend's, wedding. So I went to two places
in Ghana. So we got to our craft first, and we were
there for about, from memory, a week.
So we did, you know, we did a few kind of excursions. We did,
the tree tree what was it? Tree walk? Tree walk. Oh, okay.
You know, I don't like heights. Bark. Really? Yeah. I don't like heights. So that

(04:03):
was terrifying. Terrified you. It was and it was raining.
So surprised you can I'm surprised you persevered. Because some people would have checked. Some
people some people would have Some people would have tripped their chicken
out. Yeah. But, like, I mean, look. I'm with my wife. So, you know
You got you got me the match up. You got me the alpha male. You
gotta do it. Do you know what I mean? Because she's not scared of heights.

(04:23):
So I'm like, how am I looking like you're all kidding? And I'm like yeah.
I mean, I'm just like, you know, well, don't get too sick. My my ankles
were shaking, man. Like, something out like a cartoon. And, Yeah. But it was
it was very beautiful, like, you know. So landing at Accra,
we we we landed there. Okay. And, we stayed not
in the center of Accra, but we stayed a little bit on the outskirts. I

(04:45):
think it was, like, a maybe fifteen, twenty minute taxi. Right? That's not too bad.
Into Accra. So it was alright. We, you know, we went to
the shopping malls. What's the shopping mall called? What's the main one? Accra
mall? No. The other one. The South African one. South African one. Is that is
that not mall. South African shop. South African shop? It's a big
it's a big one. Oh my god. Oh, the shop was it ShopRite? Was it

(05:07):
games? ShopRite. Supermarket. Yeah. Yeah. Yeah. So we yeah. Because,
so so we went to ShopRite. Right? And, I think that was my first
I like that. ShopRite. Right? You just that's what you just did. ShopRite. Right?
Yeah. So we went there. And that was it's quite cool because it's it's it's
like basically like an ASDA for here. So it's it's it's quite different, like, to
see something like that. But I think for me, Ghana, what I really liked about

(05:29):
it was that I felt very safe there. It was very safe.
People so friendly. Very absolutely friendly.
And, you know, I've gone to other places. I'm not gonna mention not even in
Africa. I've just mean just generally where people will ask you
for money. In Ghana, it never happened. And I was like, this is
crazy. Really? You never had someone approach you for money? Really? Lucky. No. No. No.

(05:52):
I think they just knew they just knew you weren't one of us, man. No.
Soon as I got out of the airports Really? They want they want money. They
want something. Can you give me some some something small? Yes. If you're in the
car, they might try and go. You know what? Maybe I was too, like
because you know the thing is, I travel a lot. So yeah.
Okay. You could kinda tell that, you know, I'm from The UK

(06:12):
or, you know, I don't live in Africa. But That's the whole thing. How to
blend in, though. That's the whole way. They smell money. We're just from The UK.
You know? They smell it. We're all black. So come on. They smell
it. I know how to blend in, man. Trust me. I'm like, look. Like, I
know how to blend in. I like blending in. I like, you know, enjoying the
culture. But, yeah, no. I just felt like it was it was very safe. And,

(06:34):
there's a lot of, you know, like, a lot to do. Like, well, from a
you know, in terms of clubs, partying, the buildings were amazing.
The architecture was amazing. Mhmm. Electricity was stable.
Do you know what I mean? Like You're lucky. Because now they're having issues. Is
it? Yeah. They're having issues now. Look. I mean, they got to
somewhere. Right? So they got to somewhere. So that tells me that you can kinda

(06:56):
get there. So I feel like that kind of infrastructure really
is it kind of enables you to be able to build off it. Like,
okay. So I I spoke to a few people there. Right? And they kinda say,
oh, like, you know, there's not a lot of opportunities and stuff like that. Mhmm.
But I feel like when things are so
difficult at a difficulty, I feel like that's when that's the best time for
opportunity. That's where you if there's a problem, figure out how to

(07:19):
solve it. Right? So for me, I'm like, okay. Well, you've got the infrastructure. There's
a stable electricity. Great Internet. You know, people are friendly.
Right? It's safe. To me, okay, that's the backbone of starting
something. Right? So why not think about a business that can solve some of the
problems of so so some of the what people were saying to me was, oh,
we can't, you know, there's not enough jobs. Okay. Create jobs. Right?

(07:41):
That's what I would that's how I would think. Right? I'm a very I'm a
optimistic person. Think about how can you create jobs.
Right? Like, if you think, okay. This sector's not working. Well,
lean into the sector. That's gonna be working. There's gonna be something somewhere, and
it's just about thinking about it. You know? So, yeah, I'm
very big on that. I'm very big on being optimistic. I'm very

(08:02):
big on if there's a problem, you're gonna solve it. So yeah. So I
think there's a lot of opportunity going on, and I really liked it. For me,
I was like, yeah. Like, I could definitely see myself living there. I can definitely
see myself, you know, setting up a business there. So yeah. Yeah.
Well, you've got an entrepreneur mindset because that's what you need to
thrive in Ghana. Because Ghana, when it comes to jobs, usually they give the

(08:23):
jobs to people that, that they want a favour, usually.
Or maybe it's hard for you to get a job. But if you're coming with
a mindset of creating jobs or creating your own business,
then you're more likely to thrive because if you're just going to rely on opportunities
being given to you in Ghana, then it's not always going to be the
case. So you have to think about opportunities that you can create because

(08:45):
of the way the country is. Yeah. So, yeah, I think you've got an
entrepreneurial mindset. Of course, if that comes from you, you know, being who you
are and running the podcast that you have, which we're gonna talk about in just
a moment. So, yeah, I think I can see you thriving in Ghana because you've
got the, you know, the the, determination, especially as you
quest Kakum National Park. Even though you're scared of heights, you have that

(09:07):
determination despite all the odds. If I'll go again, man. But, yeah, it's not
even just for me. I I think for even the people listening that are
in Ghana, I would say that, you know, if it's,
like, something where you feel like there's no opportunities, I would just say encourage
you to create those opportunities for yourself. You know? I think
it's, again, it's very important. I think if you see, like, if you think

(09:29):
about a lot of, like, entrepreneurs, that's what that's what they did. Right? Like,
they create opportunities out of almost nothing. So I was
watching, a film of Martha Stewart with my wife
yesterday on Netflix. Right? It's a it's a great, great, great film. And
it was about her ups and downs. Right? And, again, I don't wanna, like,
spoil it. But if

(09:51):
you if you saw so she kind of, she was one of
those kind of people that did a cooking show. Right? So if you say, okay.
Cooking show. How can you kind of evolve that into a
business? But she managed to. Right? She managed to evolve that
into magazines. She managed to, evolve
that into just more more than a show. Do you get what I'm trying to

(10:11):
say? Right? So I think these things are possible. It's just about
trying, and it's about thinking outside of the box. You know? Really, I think
it's very important to be able to do that and also being brave
when when other people are not really
people might not play in a certain space, that doesn't mean that there's no opportunity
there. Right? Like and I and I use my journey as that because, you know,

(10:34):
again, in podcasting, and I'm sure you you feel the same. Right? Like,
sometimes, just because somebody's not in that space doesn't mean that there's no opportunity. You
might just need to be the first. Right? And I think you have to be
brave to be the first. You have to be quite resilient. You know?
So yeah. Yeah. No. I think pivoting
is important, and taking some level of risk is also important.

(10:55):
You know? And being brave to be able to take that risk and
having being optimistic, as we've talked about before, that, you
know, that risk that you're taking is gonna pay off. I think that's really, really
important. Yeah. Let's let's go to the podcast as you
mentioned there. Let's let's double tap on the Atto. So,
your podcast, I know it focuses on business people, finance,

(11:18):
and mindset. And I've seen you pivot pivot your podcast a little
bit because now I can see now you're more focused on wealth creation,
finance, and then mindset. Whereas before, it was a little bit,
varied in terms of the kind of guests you're getting. So now I think you've
kind of got yourself in a good little niche, and now you as a result,
you're paying off from that. Yeah. Talk me through I want you to

(11:40):
talk me through some of the guests that you've had on. So
in terms of, like, the tips that some of the best tips that
you've got from guests in terms of, you know, these areas, you know, like
wealth creation, running a business, and then also personal
finance. Yeah. And then I think we'll probably go into some of your personal experience
just from you as a person, like, aside of the podcast.

(12:02):
Okay. Yeah. So, I think one of actually, it's
one of my most watched episodes, so with
Andrew. So he is the author of a book called
How to Own the World, and I had read that book before I
had interviewed him. Right? And, I thought, oh, you know what?
Let me reach out to him. And then the funny thing is

(12:24):
we had been speaking before we had done the podcast,
maybe three months, three, four months before we had that organized. Yeah. You
know? So, you know, behind the scenes, some some people don't see, like, what
it kind of takes to kinda get some of
these kind of interviews, but he's he's no. He's a great guy,
and it it was a great conversation. And, really, with him,

(12:47):
the premise of what we or the premise of what I wanted
to get across with that episode was
the fact that, you know, anybody can invest. Anybody can kinda
build wealth and that, actually, a lot of the people in The UK were
not building wealth. And I've got some stats I wanna talk about. Right? Please do.
Please do. And, really, what he

(13:22):
progress for us. Right? Before, it was smartphones. You know? Before that, it
was the Internet. You know? We we've had so many progresses in, you
know, human history, boats, planes, for example. And he's
saying that by getting involved in that, you're able
to take a share of the wealth. Right? Because as as, you know, as we
progress and we build all these products and services, right, they are making money. So

(13:44):
why not take why not be involved in that? And a lot of people are
are missing out on that. I would say, you know, in my stats, right, it's
it's about 9090%, ninety six %, actually, of
people. Yeah. Yeah. Yeah. I'm missing out on that. Right? So wealth. Wow.
It's, you know, they're missing out on being able to build
wealth, and it's it's much more easier than it was before.

(14:06):
In the past, it was, you know, you had to know
somebody. Right? You had to know a stockbroker. They'll make the call. Now we have
apps. You can you can, you know, you can invest from as little as as
£1. So, really, the advice from him was you can,
again, you could invest very small, $10.15,
£20 per month, and then that will grow over time. And, yes, maybe

(14:28):
that's not a lot right now. But as your wage increases,
you're able to add you're able to invest more. So, actually, maybe
in year one, you're investing £10 a month. Maybe in year five, you're it's a
thousand because your your income has gone up over that.
And by doing that, you're also able to,
you know, take advantage of compounding, right, which really takes

(14:50):
effect, you know, over a long period, of
of of time. Mhmm. So, so that was the main
message with with with Andrew. And how you kind of do that, how you kind
of capture human progress, as he was saying, is
you own the world. That's what his book's about, how to own the world. So
and there's various ways of how you can, own the world, from an investment

(15:13):
point of view. So those are things like global funds. Oh, it's great. It's
it's great because it's such it's it's a truth. It's a truth. When you're
investing in things like global index funds, global ETFs,
and stuff like that, so they're they're called exchange, traded funds,
you are yeah. You're essentially, You know, you're
essentially, owning part of, you know, the world economy

(15:35):
growth. So if the world is if the economy global economy is growing by
2%, you are taking part in that in that growth. And that's
how you how you kinda think about it over the long term. So, you
know, it's it it yeah. It's for me, investing is one of my favorite
parts of personal finance, and I really advocate for it. Again,
because not that many people invest. They're very, you know,

(15:56):
getting shot. I think I said I said 96. Right? You did. Yeah. You did.
I said 96%. Let me let me actually let me actually double clarify.
That is actually, you know what? No. No. 94%. So it's not it's not
far. So 6% of the population are investing.
So, basically, in in The UK, we have, so what we
have is individual savings account. Right? So these are basically

(16:17):
accounts where you essentially, you
don't get taxed on your profits or your interest. Right? You
don't get taxed on it. And you have a threshold every tax year.
So you can put into these accounts about 20,000 every tax year.
And, a lot of people ain't taking advantage of it. So in
total in The UK so The UK population about 68,000,000.

(16:41):
20 two million people in The UK have an
ISA, one of these individual savings accounts. So it means about 60%
of people are Not taking advantage of them. Might
be paying tax on their savings. They are not taking
advantage of, you know, investing potentially because if they don't have
a stocks in shares ISA, then it's likely they're not potentially not

(17:03):
investing. And then within that within those that
22,000,000, right, it's about
3,900,000 hold a stocks and shares ISA. Right? So that's
about 6% of the population, which, in my opinion, that's
poor. That's very bad. Six percent of people,
you're telling me, are investing in stocks and shares

(17:25):
ISA out of The UK. So what's the other 94% of people doing? Do
you think it's due to lack of education? Yeah. Definitely. Wow. Definitely. Wow. Wow.
Wow. Definitely. Well, I'm we're happy that podcast like yours exists.
Yes. I mean, we need to close the gap because if you if you think
about a lot of you know, we talk, and I I wanna try to talk
more about it on a podcast, but we talk about, you know, the

(17:47):
wealth gap and all these things. The wealth gap is because of that, of investing.
Right? So I saw something like, I hope you
don't mind, but, the
you know, right now, the election just happened. Mhmm. Trump's just happened. And I literally
saw an article where it says, it was
something along the lines of, supporters of Trump

(18:10):
wealthy supporters of Trump. Their their net worth has increased
by x billions. Right? And that net worth being increased by x
billions is because they invested in the stock market. That's why.
Right? So this is how this is how the wealth gap happens. If you are
not investing, right, and the wealthiest are investing
Yeah. You're missing out. There's you cannot it's very hard to

(18:32):
beat that. It's very hard to beat because they're not having to work harder. They
they they're still making an income in a way where
in terms of their their businesses generate income, they're working for the income,
but then some of their other income is working for itself. So it's very
hard to you can't beat something that's automated.
Right? Yeah. Yeah. Yeah. So that's how you have to kinda see it. So that's

(18:54):
why the wealth gap keeps on getting bigger because of the lack of financial
literacy and because people aren't investing. They're not taking the opportunity to invest
in the stock market. So, yeah, that was one of the tips from from Andrew.
That's what I, you know, that's what I've really been advocating really for.
So That's some great tips in terms of wealth creation and
personal finance. Mhmm. Really do appreciate that. Yeah. I

(19:16):
think it's, it's an interesting one because I think there is
a lot of people who aren't really getting educated, and there's a
lot of people who probably don't know where to start and think that it's
rocket science to to invest or to build wealth or
even things like personal finance. I think some people just aren't good at it or
they just don't have access to the to the education. Mhmm. There's lack of financial,

(19:40):
education out there, but I think podcasts like yours are really
important to help people Thank become aware of all of this. And I think
it's really I think, you know, this is why finance, podcasts
are really, taken off because I think everyone's becoming more
conscious of spending their money, investing, and what's happening in the economy.
Mhmm. And they wanna get more out of it. Yeah. I think we can now

(20:02):
see that people wanna live certain lifestyles, and wealth creation and
personal finances is key to that. Yeah. Cool. Now, I mean, those are really good
examples. Thanks for that. We'll probably come back, get more from your personal
experience. I've got more people. Don't worry. I was I know that lots of people.
We'll we'll we'll come back to that. Let's let's let's take a little diversion. Mhmm.
Let's go to you. So Mhmm. What is it that prompted you to

(20:25):
start this podcast? Like, what and what what is it
regarding those three areas, wealth, personal finance, and
running a business Yeah. Prompting you to start this podcast? Tell me about a bit
about that journey. Yeah. So for me, so I left uni
with a little bit of debt. Mhmm. It wasn't a crazy
amount. You know? I always tell this story to to guests that come on the

(20:45):
podcast. But, so I left with about £500, you
know, overdraft debt. Okay. What happened was
that during my time at university, I used the
£500. I didn't
keep the account active, so they closed it the account. Right? So I'm
keeping, the long story short. So they they they closed the

(21:07):
account, and, because, basically, I was breaking the terms and conditions.
I was supposed to put my student loan in there. I was supposed to keep
the account active. I wasn't doing that. So they say, therefore, we're gonna
close the account, and now you're in default. Wow. They really understand what
that meant at the time you're a student. You don't really care. Yeah. Funny thing
is, the funny parallel was I was working at a phone

(21:28):
shop as well Yeah. Where I was dealing with people with credit, but not from
a point of view like I understood, like, what your credit score was. I just
knew that, okay. If you can't get a phone, you got bad credit. If you
can, you got good credit. Yeah. But for me, because credit at that
point didn't really matter I know. Right? Student. How's
that? Okay. What do I need to know this for? Right? Yeah. It only
mattered when post university, I wanted to get a Sony

(21:51):
tablet, went to the shop, failed
the credit check, and that embarrassment kind of led me to okay. That's
what you need to change your way. But, funnily enough, I was already
following, like, money related content. So at that time, there was no
Instagram pages, of course. There was no YouTube channels talking about this. It was
The Motley Fool. I subscribed to Motley Fool for some reason. I think I've always

(22:13):
been interested in making money, and I
you know, for me, it's really because I didn't really have much growing up. So
I think for me, I was always there was always that interest of, you know,
I wanna make money. So Motley Fool and,
Money Saving Expert, actually, I was signed up when it was called Martin's Money. Yeah.
I signed up. I'm one of the early people. Wow. Everybody now is that money

(22:34):
saving extra. I was when it was Martin's Money. Yeah. So I've
I've been signed up to to, Martin for a long
time. And, yeah, I just picked up tips here and there. So, you know, how
to better save, you know, how to kind of improve your
credit score. And, really, I focused on, paying off
the, the debt repayment plan. Basically, I was putting a repay

(22:57):
repayment plan for that £500 overdraft. Mhmm. So I focused on repaying that. It
did take me long. I think it took me a few years. I wasn't paying
that much Okay. Of it. And then I set myself a
goal of I wanna, buy a property. Right? Mhmm. So I saved
up enough deposit. I think it took me, like, six, seven
years to do that. Mhmm. Bought a property. And then for me, that was a

(23:19):
real $1.80 as, okay, your guy that came
from you know, you were a little bit of debt, poor credit, and now
you've able to manage to save enough, you know, deposit
Yeah. For, you know, property, and you're quite good in terms of
managing your your money. So at that point, I was
like, okay. I wanna start a side hustle. And for me, for some

(23:42):
reason, teaching people about personal finance just kept sticking out.
I wrote a list of it, like, selling things online. But teaching people about
personal finance really stuck out to me. Yeah. So I decided, you know what? Let
me, create a YouTube channel.
That was that's that was the inception of Savvy Wallet. I had loads of
names, but everybody's like, yeah. Savvy Wallet is dope. That's the one. That's the one.

(24:04):
Okay. Cool. We're gonna go with Savvy Wallet. And I almost wasn't gonna
post my first video, but I remember my friends at work. I was working at
KPMG at this point. Mhmm. I just remember them saying to me, no. You gotta
do it. You gotta do it. Like, it's a good idea. Do it. Do it.
And, yeah, we posted posted my first, it's a five minute
video, but that took me hours. I was sweating. Wow. I

(24:24):
was wearing a turtleneck. Oh my god. I was so nervous. Like, it was
yeah. I was mad nervous. I was so nervous. It was it was crazy. But,
yeah, that was that was the beginning of Saudi wallet Wow. To be honest. You
you just you have, like, your peers or your work colleagues saying, do it. Do
it. Do it. And then you eventually did it. Yeah. Yeah. I mean, I wanted
to do it, and then I almost backed out. You know when you got a

(24:45):
lot of energy to do something? Mhmm. But when it comes to actually execute,
that's where people really struggle executing. So I'm
fortunate that I had that support around me,
of people telling me to to do it. You know? My friends, my wife, their
you know, family. Like, do it. Go out. Why not do it? Right? It's important.
It does. So I remember when I dropped the first episodes of The Sound of

(25:07):
a Crown, January 2020, in a Ghanaian community platform.
The feedback I got gave me the momentum to go to episode two and
so on and so forth. So I think it's really, really, really, really important.
Yeah. You know, that you have people behind you that are encouraging you to
go ahead with whatever it is that you're trying to do. I agree. I think
I think you definitely definitely need that support. You

(25:29):
definitely need you know what it is. Right? I think getting started I
know it's a cliche, but it's true. Because once you get
started, it's just momentum taking you. There are two
okay. If I'm I'm gonna be very honest. From a podcasting point of
view, there are two let me call them kind of pitfalls,
things that you gotta kinda be aware of. First is I

(25:51):
think it can be a bit tough getting started.
Like, you you got a buzzer. I wanna start a podcast, and, you know, you
have a lot of energy towards it. But then when it comes to doing the
first episode, that's your first sort of, oh, am I really sure?
What if it goes wrong? What's the people? Because that that that was all the
thoughts I had in in my head. Right? Like, was it people that like it?
Oh, I don't wanna put myself on the Internet. Yeah. All of these kind of

(26:15):
things, all of these negative thoughts. That's the first one that you have to overcome.
The second one you have to overcome is after all the
enthusiasm dies. Because once you get over that past, you're mad. It's like, oh,
yeah. You're two, three, four. And then when it
now turns into this is what you have to consistently do on
whatever cadence it is, whether it's one week, two weeks, a

(26:37):
year no. Sorry. A year. Sorry. A month or however whatever
cadence you're doing biweekly. When it needs to get into that process
of doing that, that's the second hurdle you need to really
get past because that's where it's that's where it's really tough. Right? Yeah.
Because, again, there's gonna be some weeks you're
not motivated. And at that point, motivation,

(26:59):
for me, is not important. It's like, for for
you, it's getting into the mind frame of
it's it's gotta be done. For me, I don't I'd say to people, I don't
need to be motivated. It's coming out Monday. That's what I'd say to people. Yeah.
It's coming out. Come rain or shine. It's a week. It's a week. It's a
week. It's a week. It's a week. It's a week. It's a week. It's a
week. It's a week. It's a week. It's a week. It's a week

(27:20):
locked in. People are expecting it. That's my duty.
Right? People show up for me, so I will show up for them. Right? Mhmm.
And do you know what I mean? Do you know what the hardest part of
that was? Right? What's the hardest part for you? The hardest part was when it
when I was first starting, when I was getting, like, five
people listening. But you know what? Yeah. I had to get myself out of

(27:41):
that mindset very quick where I was like, even if it's five
people, that's still five people listening to you It is. That decided that
they wanna give up their day and time. Do you know what I mean? Like
Yeah. You shouldn't think, oh, yeah. Okay. When it's a hundred,
then I'm gonna decide to touch up because that's no. That's the wrong attitude.
You won't do that. Right? You do it you do it when it's one. You

(28:03):
do it when it's two. You do it when it's hundred. That's how it is.
You're building the habits. If you know, you're not gonna just switch it on and
be like, okay. Now it's gonna be a hundred. Right? It doesn't it doesn't work
like that. And, also, you will never get to a hundred because you didn't put
in the right habits. You didn't put in the right attitudes. You didn't put in
the right processes. So you would never get to a hundred anyway. Right? If you
were if it was sporadic. Right? If you were doing, let's say, one episode a

(28:27):
year Yeah. You gotta get to a hundred listeners? Yeah. You know, immediately? No.
So I think all of these things are, like, steps. I think you have to
kinda see them steps. I'm sorry. I've kind of got on a tangent, but I
just I just wanted to kind of say that because I'm I think I'm quite
because of the experiences I've gone through, I can kind of I haven't
talked so much about it. I can kinda say, okay. I know what it takes,

(28:50):
but I also want people to be prepared for
yes. This stuff is fun, is exciting, but there are gonna be times where you're
just gonna have to be able to go over the hurdle and get yourself into
a frame of mind where you're like, this needs to be done.
Whether I like it or not, it needs to be done. That's how you have
to think. It's not like, oh, I'm not feeling it today, so I'm not doing

(29:13):
it. Yeah. You know? Yeah. I totally agree. I mean, when it comes
to podcasting, and I think I think some of these principles that you've just
shared, they can be applied to lots of different things. So whether it's wealth
creation, wealth creation, running a
business, or personal finance, There's steps to this. Yeah. And
there's patience required, and there's longevity required. Mhmm. And I say

(29:35):
your podcasting, for example, that's that's one example. It's
not a sprint. It's a marathon. Yeah. You have to if you if
you're seeing it as a sprint is, you know, relying on
enthusiasm from other people to cheer you on. Yeah. But once you start
losing energy, are you gonna continue to run? Are you gonna continue to persist
to the finish line? Or are you gonna just walk away because you haven't

(29:57):
seen, you know, the views or the values that you want? So I totally
agree. I totally agree. And, you know, congrats to you. I know Thank you. I
think maybe some months back, you did the episode talking about your hundredth episode
and lessons that you've learned through doing your hundredth
episodes. And I think it's really important for people that want to maybe
start podcasts, whether that whether they wanna use that as a vehicle for

(30:19):
wealth creation or, you know, running a business or whatever it is, these
tips that you shared are really, really, really important. Honestly, they're really
important. Thank you. Yeah. I wanna kind of
continue on, and I wanna discuss your
personal experiences in terms of
building wealth Mhmm. And, you know,

(30:43):
personal finance. Like, your personal tips. And then we'll probably kind
of come back to some of the guests that you've you've interviewed. Could you share
some of your personal because I know so far you've you've spoken about ETFs. You've
spoken about, stocks and things like that. Are there
any other personal from your personal experience, tips that you wanna give to the
audience in terms of personal finance? I think you mentioned I think you've spoken about

(31:04):
one. Yeah. You know where I'm I'm going a little bit more? And I'm
gonna be talking a bit more with, like, therapists, psychotherapists,
psychologists, about this. I think it's really I think
it's understanding who you are and what kind of person you are, I think,
in regards to money. I think you have to
understand how you kind of feel around that.

(31:27):
Because, for example, I could say to, you know, I could say to you right
now, you know, do budget,
I don't know, eat beans and toast every day, and you're
like, no. That's I can't do that. Right?
So I would say I think you have to understand who you are, what
kind of person you are. Right? Like, figure out a high level.

(31:49):
Is it easy for you to budget? Is it easy for you to be a
spender? Figure out for me, I was a spender. Right? So I knew because
I'm a spender, I I need to kind of put in guardrails
to prevent me from spending. So what one of those
guardrails, for example, is, okay, I put a certain amount of money in my account.
The rest goes into a savings account. Yeah. Or it goes into

(32:11):
another bank, for example. Right? So let's say I have two banks. Right?
Maybe I've bank a is where my salary goes
in. Bank b is where, like, maybe my spending money goes for the month.
So it's about thinking about who you are and then putting in the potential
kind of guardrail. So, yeah, for me, again, that was one of the spending kind
of things that I kinda did.

(32:34):
Yeah. I I I do I've got loads of tips that of things I wanna
say, but I'm just I'm what I wanna do is I wanna be mindful that,
again, personal finance is personal. Right? So Mhmm. I always wanna
say to people, whenever I'm saying what I'm saying, you also gotta figure out what
works for you and what doesn't. Because it it doesn't work holistically for everybody.
Right? So for example, I speak to somebody two

(32:56):
days ago. Right? And they were like to me, I'm not doing that budget
lifestyle. Like, yeah. You know what? I'm gonna work my job, and I'm gonna have
a business because I like the lifestyle. When when I say they're not
saying that they're gonna budget, they will they do budget,
but they they're saying that they don't wanna lower their expenses. So because they
don't wanna lower their expenses, they just they'd rather just make more money.

(33:19):
Right? So figure out, are you that type of person? Are you the type of
person that, you know what? I like that. I like that. I like that stuff.
But I'm willing to work way more. I'm willing to have
a side hustle. I'm willing to to do whatever Yeah. To finance that
and more. Right? I think the most important thing is that, you know, you
always do have a surplus. Right? I think that's, like, a high level. You need

(33:40):
to always have a surplus because that surplus is what's gonna enable you
to to build wealth. Right? So for me, right, on months
where it's not hectic and I'm not traveling for weddings
or, you know, holidays and stuff like that, for me, I like
to invest. I I mean, it's no secret. I I like to invest. Right?
And I think that's where you really build wealth. Right? I think there's

(34:02):
there's there's two sort of avenues where you build wealth. Right? It's really if you're
not somebody who wants to be an entrepreneur, then your avenue is gonna be in
a stock market. Right? Stock market or property, for example,
crypto, if you're if you're risky. Those are gonna be your avenues in
terms of building wealth if you don't wanna be an entrepreneur. And you're, like, you're
happy, you know, at nine to five. But you need to ensure that there's enough

(34:23):
surplus that you can use, right,
to invest in these in these things. Right? Now if
it's if you wanna create wealth, not the stock market, not
the, property route, then, yeah, it's gotta be entrepreneur. Right? That's
another route for you to potentially create wealth. I I technically, I'm kinda
doing both. Right? I've, you know, I've got my nine to five. I've got

(34:46):
my business in in terms of the podcast, and I'm still investing. So I'm
doing both. Right? And, you
know, I think you could do both. I think both is good because then it
means you accelerate, right, as well. Right? You got the one that's a bit more
long term. Maybe that takes care of you, I don't know, between 40 and
60. And then maybe the wealth you rapidly create now,

(35:07):
you know, takes you up to 40. I don't know. You have to kinda figure
that out for for for yourself. So I think really, again, it's really
understanding who you are. And then from that, always making,
ensuring that you understand how to kinda manage your finances.
Right? I think it's very important. People don't like the word budget.
There's there's loads of different ways you can call it. There's have to be a

(35:29):
budget. You can call it a plan. You can call it
whatever you want. I think what's important is is
that you have an eye on what's coming in and what's going out,
and you make sure there's a surplus for you to put that
to work. And, you know, what's crazy is the surplus also does have to be
put into the stock market. It could also be used to start a business.

(35:51):
Right? You know? Or used to quit your job to start a business.
Right? So the doing that
just gives you the flexibility. That's what you have to see. Having a surplus gives
you the flexibility. You have to see in that kind of in that kind of
way. So, yeah, for me, it's really mindset knowing who you are. You
know, if I'm if I was to number it, I think really understand who you

(36:12):
are. You're a spender? Are you naturally a saver? Right? Are you doing these
things of do you have visibility of your finances? If you don't, okay,
get visibility of your finances. Okay. Cool. You've got visibility of your
finances. Are you, you know, do you have a surplus? Right? Are
you making more than you're spending? Cool. Okay. What you doing in
the surplus? Right? And that's how I think if you structure it in that way,

(36:34):
you're gonna you're gonna be able to to kind of build wealth. And that's what
that's how I think think about it. Obviously, there are other things you can do.
There's loads of things. We've got pensions as well that I would
say. And I'll briefly mention it because when I was young, I
didn't really, take it seriously. But a lot of companies these days are
doing matches. Company matches. So that's another a

(36:55):
pension is wealth, by the way. I mean, the the government. I can't say too
much because I haven't read it in there. But the government are gonna start going
after people's pensions because you can also pass that on as
well. It is wealth. So if a company is saying they will match up to
5% of your your salary, that's
5% they're giving you for free. So look out

(37:17):
for a lot of these free things. A lot of things I did. Right? Right?
And then, again, now now the more I'm doing it, I remember. I just took
advantage of all the free money that was out there. So when I say for
my deposit, lifetime ISA, I took advantage of that. It was I got
an extra $3. That's free money. Yeah. Why not? Right? Who
does all the free money? So I was taking advantage of all of these things.

(37:38):
I lived in a housing association building, which gave
20% off. Mhmm. I just was using the
system. You have to use the system, but, also, right,
the system won't tell you about these things. So nobody this this, it was
intermediate rent. Nobody told me about it. I found it by accident. I was like,
oh my my god. This is great. Accent. Okay. Used that. I was like, yeah.

(37:59):
Well, 20% off the private rent. Okay. Cool. I can afford to live
on my own. It's a bit cheaper than what it would be normal. Okay.
I wanna say for for mortgage deposit. Okay. Free money here. So, yeah, I mean,
so I think it's it's taken advantage of that pension. You know? Got my employer
paying into my pension. So it's it's taken advantage of all of these things, I
think, as well. It's important. I mean, these are more than fantastic tips.

(38:22):
These are great tips for at least even a beginner.
Honestly, these are fantastic. Thanks for sharing this, Atul. And,
I think all of these all of these tips, I think, for someone
to take them on is really gonna do a lot for them. Yeah. I hope
so. Yeah. Yeah. But I think I also wanna mention that, of course, you're not
a financial adviser? I'm not. Yes. I'm not a

(38:43):
financial adviser. Let's make sure that so this is no advice.
This is, I wouldn't even say guidance. This is us just
talking. Yeah. We're just talking. Exactly. I would always say do your own
research, especially when it comes to, you know, whether it's investing,
pensions, accounts, all of that stuff. Always do your own research. That's why I say
personal finance is personal. Just understand, again, at high level,

(39:05):
who you are, and then use
podcasts like this to guide you,
to find your way, but always make sure it's personalized to you. This is
more information. This is information you're talking about. So it's no different to,
like, if I saw, if I wanted to invest in a global fund, and it
had the fact they normally have a fact sheet, and it tells you, okay. This

(39:28):
global fund's invest in this, this, this, and that.
You know? That's what this is. This is just pure information.
Mhmm. You're not telling to act on it. You kind of just kinda use it
to figure out what you need to do. That's fantastic. Honestly.
Wow. I think there's a lot of people can take from that. And I think
some of the the books and some of the things that you mentioned, we will

(39:50):
try and link it down, in the description. So you could guys can go check
out some of this stuff and, of course, this podcast. Mhmm. I wanna
kind of go go through maybe one of the guests that you've had on that
you've learned something from. Is there is there one that you can share? Yeah. You
know what? I would say I could share all a 45. If any of my
guests are listening We wish we can. If any of my guests are listening, I

(40:12):
appreciate you all. You know? I appreciate you all. And,
this right me showing this is not a favoritism. I just wanna make that clear
that they've all been they've all been great. Right? Yeah. I I'm just
maybe it's recency biased because, you know, it's easier for me to think of the
most recent ones. But, actually, you know what? I'll I'll I'll speak about somebody who's
actually gone in, Franklin. His his episode was brilliant. Right?

(40:34):
He was. Yeah. And
he what I really liked about that conversation, what I kind
of learned, and I think what many people say that they kind of learned from
that conversation Mhmm. Is I think what he was trying to come what he was
trying to get across was that, you know, if you want money, it is out
there. Right? That's that's exactly what he was saying in in the episode.

(40:56):
Right? And, really, for you to get that, you just need to make sure that
you're there in the arena where that money is circling.
Right? So it's all it's always thinking about being okay.
Is this is this a sector or career or,
you know, that has that has
money in it, that is abundant with money? That's how you kinda have to think

(41:19):
about it. And, also, you don't necessarily need to be at the top
of the the the ladder. What he was saying basically is that if you think
about any kind of industry, any kind of sector, people at the top of those
sectors are wealthy, like, crazy amount.
Okay. For example, right, like, McDonald's. Right? A lot of people are, oh, I ain't
gonna work at McDonald's. Right? But the CEO of McDonald's is

(41:41):
probably making millions. Absolutely. Right? Absolutely.
Exactly. Right? So money's out there. Right?
At the end of the day, right, it's it's about thinking about what
sector you're in, where are you on on that ladder? And you don't
necessarily need to be at the top because even the people at the middle if
it's if it's a if it's a sector where there's a lot of money, let's

(42:02):
say, for example, like AI cybersecurity, even if you're mid level, you could be getting
6 figures for sure. Mhmm. For sure. For sure. For for example,
I'm I I I work in tech. Right? As I said, I was tech consultant.
You did. Yeah. So in technology, software engineers, yeah, a lot of them get six
figures. Hundred 50, hundred 40 Yeah. A year. Do you know what I
mean? Yeah. You know, some of them can get more if we include, like, where

(42:23):
you have stock options and stuff like that. Mhmm. So it's about being in
and that's just from a nine to five point of view, not even a business.
It's just about being in the arena. If you really want money, it's
out there, basically. So that's what I kind of learned from him,
thinking a lot about that and trying to it's almost
like cutting loose ends. If the if this arena is

(42:45):
dry of money, let's let's leave that. Let's go to arena,
like technology, AI, you know, something maybe green, you know,
green energy in the future is probably gonna be Sustainability. You know, sustainability.
That's probably gonna be huge amounts of money. Right? That's that's how
you have to kind of think and position yourself, whether it's a
business or whether, it's a nine to five. The other thing that we spoke

(43:08):
about that I I think is very important for people to to
hear is about main maintaining a certain
level. So, for example, a lot of people wanna be
millionaires. Right? But let's say you had a million in your account.
Cool. Yeah. You're a millionaire, but you're not gonna live a millionaire
lifestyle because if you live the millionaire lifestyle, you'll be broken a year.

(43:31):
Absolutely. Right? So It's all relative. Exactly. So a lot of
people don't think about this. They think about the end goal, but they don't think
about the other side of how do you
actually man what actual instead of thinking about
the the just a number, think about the
lifestyle. Yeah. What lifestyle do you want?

(43:52):
Okay. I want a I don't know. 2 thou
this is sound great. I want a $5 a month lifestyle
where that in terms of expenses. Right? Yeah. Okay.
You want to be able to, let's say, sustain that without any issues.
Let's say five to ten years. Again, no no financial advice. I'm just giving just

(44:12):
numbers out here as an example. Right? Let's say that's something you wanna
be able to sustain over five, ten years. Right? Mhmm. How
much do you need to sustain it? That's how you should be thinking. True.
Not the other way around of I just want some random figure of 10,000,000. Because
it's likely when you get to the million, okay. Let me buy the
500 k k house or 600 k house. Depends on where you live in London.

(44:34):
Some house, say a million. True. You might just buy it, and you've got nothing.
It's gone. Oh, I want the expensive car. And then before you know it, oh,
damn. You know what happens? Engineer it, don't you? Exactly. A lot of
people don't think of the other side. Side. It's always the I need to get
there. Okay? When you get there let's say we gave you a million now. What's
the lifestyle like? Oh, you're gonna increase that lifestyle, or are you gonna

(44:55):
maintain that lifestyle? Live a tech care life lifestyle. A million. They're gonna
try and live a million lifestyle a million. That's what happens. Yeah. That's it's
foolishness. I mean, I just had a millionaire sit in your seat Yeah. Not not
too long ago. And when you when you speak to him,
when you see the lifestyle he lives, he doesn't look like he's blowing that money.
He's look like he's very savvy, no no pun intended, of your podcast, with his

(45:16):
money. You know? So I think it really does come
down to the mindset. Yeah. Because that's one thing he talk about, the
mindset that, you know, you can get to a certain amount of money, but
you have to have the mindset to be able to manage and leverage it
Exactly. And not just to blow it and spend it. Exactly. Exactly. It's very important.
It's very, very important. Very, very important indeed. I do agree with you. Now this

(45:37):
has been fantastic. There's a lot of tips that you've given to our audience,
and I think they can get a lot from this. I wanna
discuss, before we wrap up, I wanna discuss some
myths that people have because I I remember watching your
appearance on Penny's to Palace podcast. Okay. Yes. And they were
discussing some myths. Okay. So could you tell us what I don't remember the myths,

(46:00):
though. What are the only myths that you that you know that people have
about investing or personal finance? Are there any myths that you have in your mind?
Yeah. Yeah. Yeah. So, I think people think that you have to be
rich to invest. You can invest for £1, so you don't need to. I think
people have that. I
think people think that because before,

(46:23):
when you used to invest, you did have to have a certain amount. But now
with the, you know, advent of apps out there, you know,
has brought the, you know, the, I'll say, the entry
criteria down. So Mhmm. You don't no longer need a lot of money to invest.
You can start investing from, as little as £1. Again,
in terms of investing, a lot of people see it

(46:46):
as,
let's say, maybe a scam or it's risky. Yes. There's an
element of risk in investing. Mhmm. But if you're
investing in something that's well diversified, especially if
you're a beginner. Right? Mhmm. Again, there's lots of literature around this. We
talked about how to earn the world global index funds. If you're investing in

(47:09):
something like that as as a beginner, low cost,
it's automated, and you do it over the long term when we say long term,
we don't mean a year. We mean minimum five years, ideally, ten,
fifteen years. When you do it over that time, it's unlikely
you'll lose money. Actually, as you invest
longer, the likelihood of you losing money

(47:31):
is kind of reduces in a way. Right? Again, let me
caveat this by I'm not talking about just individual stocks that's different. I'm
talking about just generally if you were to invest in the global economy.
The global economy has grown over time. Right? Yes. It's
gone down, but overall, it's increased. We've,
you know, in terms of our GDP, it's it's it's increased

(47:53):
over the years. So, yeah, people have that myth, as well.
Budgeting, again, call it whatever you want. You can call it a plan.
Let's say planning. People think planning means that you you live
a restrictive lifestyle. It's not gonna be fun.
It's not going to be exciting. That's not true. Having a
plan just means you have an understanding. That's how you have to see.

(48:17):
It's an understanding of what comes in, what comes out. And the
reason why you wanna have that understanding is I'll give you an
example, actually. And I was I was talking to somebody about this
yesterday. I think it's great. If anybody steals it, it came from me. Because this
is a real story. Go on. So I sold my car. I had a Renault
Clio, right, at university. Mhmm. I got it in cash.

(48:39):
Yeah. The person gave it to me in a
bag. It was about £800 in a
bag. Yeah. Right? Accepted it. Whatever.
I got home. I put it up in a cupboard, left it
there. And then whenever I went out, I would just take out from
it. If I wanted to go out, eat, I would just take out from it.

(49:00):
However, I never knew how much was left. I was just
taken out. Right? Until one day, I went there. Oh, it's
empty. That's how you have to see planet. It's exactly
like that. Right? Yeah. If you don't have any visibility
of what's you probably know what's coming in. But if you don't have any
visibility of what's coming out, you could just be in serious

(49:23):
debt. You'd just be zero, and you don't know why. Right? That's how you have
to see use that analogy to understand why it's important. Now if
I had maybe every week, I said to myself, okay, Ato.
Every week, you gotta check or every day, let's say, every day, you gotta check
how much is left. Maybe I would have reduced my spending. Maybe I would have
been like, actually, I'm not going out tonight. Or maybe I should put

(49:44):
this in a bank. There would have been an intervention. Right? I think when you
have the visibility, there's an intervention. Without that, there was no I just I
just kept on drawing until it was empty. Right? So Yeah. So that's the
analogy that, yeah, I would like to use to paint that picture of why you
need to be able to plan your finances because it really will allow
you to intervene when you need to. Absolutely. I think, you know, having a

(50:06):
idea of a cash flow forecast, you know, your profit
loss, whatever it is, just the basics, balance sheet. I think just
having those basics. Mhmm. Not necessarily say you have to have a business, but
just approaching it in that way. Mhmm. You can be more savvy about how you
go about using your money, saving your money, and spending your money Exactly. And investing
your money as well. Ato it's been a fantastic conversation. Thank you.

(50:28):
Enjoyed it. Yeah. Yeah. I've enjoyed it too. It's been great. Finally
having finally had you on the on the podcast. Any final
any final tips you wanna give to the audience, a book that you wanna
recommend and any announcements, please go ahead and where people can connect with
you. Yeah. Sure. I would just say to people listening to this,
money can be overwhelming. Personal finance can be overwhelming. But just take

(50:49):
it slow. Just take it in baby steps. That that's how I started. I I
took it in baby steps. You don't have to try and learn
everything straight away. I would say try to learn the basics.
So understand how to plan your finances in terms of, you
know, budgeting. Again, you don't have to use the word budgeting. Find a word that's
favorable for you. Set a date. So a lot of

(51:11):
people have had come on the podcast and say, like, have a money date, you
know, with your with your money. It's up to you if you wanna do that
or not. Right? But just set something where you're
able to do it consistently. So if it's if it's once a month, then
that's okay for you. If you feel like you spend too much, maybe you wanna
do it once a week. And then see if you could do that with somebody
you trust that can hold you accountable where you can both kinda do

(51:34):
it. The it's not easy. Right? You know, talking about money is not easy. I'm
very comfortable. So Yeah. Yeah. I also wanna just caveat. Although I'm I'm
comfortable, I also understand it's a very difficult conversation to have with people. It's
very because it's very personal. Right? Money, for some reason, is very
Yeah. Personal with with with people. So,
so it's it's, I understand that.

(51:56):
Right? I definitely understand that. So I would say just take it very slow. Understand
the basics. You know? First, you know, how to budget. Okay. You got
your surplus. Okay. Figure out how to, you know, save every
month. Right? And and things like that. And then once you're quite comfortable with
that, okay, let's start investing, but maybe we invest very little, maybe just
£10 a month. You're very comfortable with that. You're very comfortable with your

(52:17):
education. Then you kind of move. So think of it like steps
of a ladder, you know, very, very similar to, like, money ladder, which is actually
a a great book that I would say that you should definitely, serve from Franklin
Asante. You should definitely check that out. What link that below? Check out definitely
How to Own the World. That's also very, very great
book. Mhmm. You know, teaches you about investing and how to own the

(52:39):
world as well. So, yeah, I would just say baby steps. That's
that's my that's that's my tip. If people wanna,
obviously, you know, check out a podcast, they can find me, on YouTube,
Spotify, Apple, Savvy Wallet podcast. Mhmm. Or if you just type Savvy
Wallet, you you should be able to find it. Ato, thank you so much. Welcome.
You've been a great guest. Thank you. So there you have it, guys. Ato from

(53:01):
the Savvy wallet podcast. We'll leave all the links in the description
below or head over to the sound of accra podcast dot come slash ato.
That's for all of the tips, nuggets, links, and
references from today's show. And that's it for today's episode
guys, we'll catch you in the next one. Thank you so much for watching. Take
care. Bye bye.

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Only 6% Invest: Steps to Build Your Wealth | S7 Ep.6

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.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}Only 6% Invest: Steps to Build Your Wealth | S7 Ep.6