Honest Money

Tlou Ledwaba (TJ) is the co-founder of Bright Path Business Consultants , an accounting practice that helps SMMEs grow into sustainable and profitable businesses. TJ was appointed as an Accounting Member of the Tax Court by the President and gives us advice on how small businesses can get funding.  Topics/ Questions:  How did you get appointed as an  Accounting Manager of the tax court by the pres...

When Tshepiso decided to quit his corporate job, he focused on getting his side hustle up and running by getting different revenue streams going. From selling hot water bottles during the Winter months and umbrellas during the Summer months, he managed to gain enough finances to focus on his software business, Axcelerate , which streamlines businesses through the implementation of Enterprise Resou...

Need some sound advice on where to start a business or how to find out more? Vuyo and Warren give you advice on the following:  What does M.E.A.L stand for The importance of planning and budgeting Advice on service, partnerships and networking  Where to find useful business resources Why joining a community will benefit you and  How the #SageForSmallBiz can help you  Got your own business or looki...

“Abit of small change saving becomes big change later”- Warren Ingram   On today's episode, we invite Grant Locke , head of OUTVest , to discuss why looking at fee structures is important before deciding to invest with certain institutes. Warren and Grant discuss everything from index-tracking, how fund managers work and the differences between EFTs and Unit Trust fee structures.  Questions/...

Andile and his business partner wanted to help their community gain access to affordable healthy food and saw an opportunity to start a business from a backyard in Soweto. From 1000 seedlings to 40,000 seedlings distributed weekly,   Evergrow now supplies to farmers around Johannesburg, Pretoria, Eastern Cape, and North West.  Feeling inspired, motivated and in awe at the sheer tenacity that comes...

Our next #SageForSmallBiz speaker is entrepreneur and influencer OP speaking about his personal story around how he started his business, how he helps others source investment opportunities for their business and explains frontier markets in Africa.   Warren Ingram and OP also speak about busting myths around starting a business in South Africa, where to start and things to consider when trying to...

To kick off our #SageForSmallBiz campaign, we have the inspiring Brian Malatji sharing his story on how he went from having R200 in his account to running a successful business that is worth R2.2 million.  “I was involved in an accident a few months after leaving my job. I had to use the pay-out to repair my car, which was only six months old. I was left with R200 and I started to panic. I had a p...

Today’s podcast welcomes Branden Dale speaking with Warren Ingram on how he started with his passion project in finance, how he overcame debt and gives wholesome advice on paying your debt off, saving and the importance of financial transparency with your partner.   Questions/ Topics :  How did you overcome your debt and what actions did you take to help pay it off?  What are some smart ways to he...

Everyone knows him as “The Tax Guru," in tis episode André Bothma joins Warren Ingram in discussing all things Tax from top mistakes to understanding structures, investment options and understanding how donations tax works. Questions/ Topics:  What are some of the biggest tax mistakes?  Understanding Tax structures and the implications involved  Things you should know about Tax  What would ha...

Warren Ingram answers your questions in the hopes that it gets you one step closer to achieving your financial goals so keep those questions coming. On today’s episode, Warren speaks about Section 12J investments and assisting a 17 year-old listener on how to make extra income for his investments.  Questions/ Topics:  What are the advantages of a 6-12 month Section 12J Investment?  What can a youn...

Did you know 8/10 of the participants that have signed up for an investment account with OUTVest has achieved 90% or more of their end financial goal? You’ve heard us rant and rave about the OUTVest Super Saver Competition but you haven't heard the reasons as to WHY we’re doing it. Join Warren Ingram and head of OUTVest, Grant Locke, speak about the sole purpose of this campaign and how it al...

We want to help you gain financial freedom so keep sending your questions through to our WhatsApp because ultimately your goal is ours. In today's episode, Warren Ingram answers your questions around how to ensure you don’t dip into your savings and what company information and trends you should look at when buying shares. Topics/ Questions: I try to invest my money but I end up falling short...

“You don’t need to be great to start, but you have to start to be great”. In this episode, Warren Ingram speaks to Thando from Small Steps To Freedom on her journey, how she started her career in finance and tips on how to invest with smaller amounts of money. Topics/ Questions:  What would be the starting amount to kick off your investments into the stock market?  What investment platforms are th...

Keeping Honest Money honest with your Q&As. In this week's episode Warren Ingram answers your questions around endowments, expense ratios and when your fees should be deducted. Topics/ Questions:  Investing in endowments: what you need to know, the benefits and things to look out for.  How do expense ratios work in different funds and when should your fees be deducted?  Got a question aft...

One of our most asked questions is how to settle debt and get closer to financial freedom. Warren Ingram speaks to Charles Hsuan on how he went from over 170k in debt to debt-free and shares his methods used, how he stayed motivated and how his mindset has changed since. Topics/ Questions:  How did you get into debt?  What was your driving factor to pay off your debt?  How has being in debt and no...

On today’s Honest Money podcast, Warren Ingram answers your questions around Tax-Free Savings Accounts, from best practices, finding the right institute and whether or not an RA is still necessary. Questions/ Topics:  As a young professional that’s starting their saving journey, should I have more than 1 tax free savings account? I am also a contractor and don’t have a retirement plan with my comp...

Warren Ingram answers your questions around feeder funds, leveraging off the exchange rate and factors around property investment.  Questions/ topics:  Investing your money in feeder funds: Rands vs Dollars and would you benefit from the exchange rate? Where should I invest my money currently? Is property investment still a good option?  Don’t forget to send us your Voice Note questions on WhatsAp...

Warren Ingram and George Robertson, Director of Galileo Advisory Services and Galileo Wills, educates us on Trusts and answers the following important questions:  What is a Trust and why do they exist?  How do I establish a Trust? How do I invest money into a living Trust and what are the tax implications?  What do I need to consider when putting assets into a Trust?  Why should I put assets into...

Warren Ingram and Grant Locke share some exciting news on an upcoming competition with OUTvest .  We want to help you build towards your financial goals by making it fun, the more you save towards your goal, the higher your chance is to WIN the grand prize of R10 000 deposited into your OUTvest Investment account. You can also stand the chance of winning R1000 monthly and a signed copy of Warren I...

Warren Ingram answers your questions around investments during the market crash due to COVID and investing your money locally vs offshore if you are emigrating.  Questions/topics: During March 2020 the stock markets dropped, does this affect my long term investments if I missed out on the opportunity during this time?  I will be emigrating in the next few months. I have capital under my portfolio...

A Will is one of the single most important documents a person can have;  yet, so many of us put off dealing with it for far too long. In this episode Warren Ingram speaks to expert, George Robertson, the CEO of Galileo Advisory Services, about the following:  What is a Will? Who needs a Will? What are the costs involved? How is it managed? Do I have to establish a trust? If you need a will please...

Warren Ingram shares advice on buying into retirement/provident funds vs. other discretionary investments, as well as on buying property during the current market conditions.  Questions/topics:  Should I max out my provident fund contribution for the year or should I make it a 12% - 15% contribution and then put the remaining savings into an ETF to gain global exposure?  Is it a good time to upgra...

Warren Ingram shares advice on diversification and how to build a more robust portfolio during turbulent times. He also answers a question about paying tax when withdrawing money from a TFSA (Tax Free Savings Account), if the investments are held in offshore assets like the S&P500.  Questions/topics:  How do investors construct a portfolio that is more robust during difficult times? Will I be...

For most of us the financial year-end is in February and in this episode Warren and Katlego Mei discuss the best investment decisions to consider during this period. Send us your Voice Note question on WhatsApp to (+27) 72 934 4218 and you could be featured in an upcoming episode with Warren. Follow us on twitter for more Financial Freedom content: https://twitter.com/HonestMoneyPod Send us Fan Ma...

Warren answers the following two questions from the listeners with the help of Katlego Mei (Para Planner at Galileo Capital): Questions: Where is the best place to get impartial advice to help me invest an amount of roughly R100k?  Are Global Equity Funds overheated (too expensive) or not?  Send us your Voice Note question on WhatsApp to (+27) 72 934 4218 and you could be featured in an upcoming e...