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Honest Money

Warren Ingram

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

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30 episodes
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Saturday · 16 min
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 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. Send us Fan Mail 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
October 3 · 11 min
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', 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. Send us Fan Mail 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
September 26 · 18 min
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 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 listeners Learn more about how Curate Investments can help you here. Send us Fan Mail 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
September 19 · 14 min
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 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 Sense Learn more about Prescient Investment Management here. Send us Fan Mail 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
September 12 · 15 min
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 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. Send us Fan Mail 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
September 9 · 24 min
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 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. Send us Fan Mail 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
September 5 · 15 min
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 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 listeners Learn more about Prescient Investment Management here. Send us Fan Mail 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
August 29 · 15 min
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 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 planning Learn more about how Curate Investments can help you here. Send us Fan Mail 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
August 26 · 23 min
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 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. Send us Fan Mail 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
August 22 · 23 min
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 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. Send us Fan Mail 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
August 19 · 25 min
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, 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. Send us Fan Mail 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
August 15 · 17 min
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 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. Send us Fan Mail 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
August 12 · 41 min
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 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. Send us Fan Mail 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
August 8 · 23 min
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 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. Send us Fan Mail 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
August 5 · 27 min
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, 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. Send us Fan Mail 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
August 1 · 27 min
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 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. Send us Fan Mail 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
July 29 · 26 min
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 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. Send us Fan Mail 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
July 25 · 29 min
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 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 https://www.gorunmore.com Learn more about Prescient Investment Management here. Send us Fan Mail 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
July 18 · 24 min
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 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. Send us Fan Mail 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
July 11 · 23 min
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. 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. Send us Fan Mail 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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