Joining us in the booth this week is Dominic, a career expert and commercial contract manager.

In this episode we discuss:

• Why Dominic turned down a training contract from a legal firm
• How 9-5ers can increase their income to £100k+ with their existing skills
• The importance of analysing what you want from your career
• How you can build wealth into the millions with your 9-5
• Why you should and shouldn't pursue a contract role
• How Dominic has been contracting for 5 years even in a tough market
• Top Skills & industries that command a high income
• Why you shouldn't start a random side hustle but instead utilise your existing skills
• The importance of building a network in your career and much more

Connect with Dom on Instagram here - https://www.instagram.com/soambitiousdom

Connect with Dom on TikTok here - https://www.tiktok.com/@soambitiousdomm

Check out Dom's newsletter the Career Guard here - https://thecareerguard.com/subscribe

Follow me on: 

• Instagram - https://www.instagram.com/savvywallet
• Tiktok - https://www.tiktok.com/@savvywallet

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Hey all,

Ats here! After careful consideration I've decided to rebrand 'The Take Off Experience' to "The Savvy Wallet Podcast".

Aside from the name and artwork change, everything else will stay the same, We will still have the same authentic, relatable, inclusive conversations with great people! The Savvy Wallet podcast will begin with EP. 120 and will be published tomorrow at 8am GMT!

Thanks for all your support! It's so appreciated!

Ats

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us back in the booth is life & health insurance expert, Emmanuel Jones aka Ejay.

In this episode we discuss:

• The key benefits of health insurance, income protection & critical illness cover
• The importance of checking benefits you get with your employer
• Should you get health/critical illness insurance if you have it through work?
• Health insurance vs critical illness cover vs income protection
• Typical costs for health insurance & critical illness cover
• Insurance companies really wanting to pay out money to you
• The most importance insurance to protect yourself
• The importance of financial literacy at schools
• What is life insurance in a trust and why you would do this and much more!

Connect with Ejay on Instagram here -https://www.instagram.com/ejay_diamond1

Connect with Ejay on TikTok here -https://www.tiktok.com/@moneysavingdad

Follow me on: 

• Instagram - https://www.instagram.com/savvywallet
• Tiktok - https://www.tiktok.com/@savvywallet

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

This episode is sponsored by Unbiased a platform that connects you easily and quickly with over 27,000 FCA regulated financial advisors, accountants and mortgage brokers.

Connect with a financial advisor for FREE by visiting Unbiased here: https://www.unbiased.co.uk/savvywallet

Joining us in the booth this week is Zee who is a chartered accountant and EX-KPMG auditor.

In this episode we discuss:

- How Zee became an accountant accidentally

- Why accounting is the plumbing of a business

- Why people on £60,000 are struggling!

- Tips to weather the cost of living crisis

- Why it’s important to engage with your local government

- Possible solutions to the cost of living crisis

- How the wealthy pay less tax!

- What are our taxes used for?

- Is our tax money being used efficiently ?

- How to save taxes with your 9-5?

- The pro’s and con’s of capitalism and much more

Connect with Zee on Instagram here - https://www.instagram.com/thereluctantaccountant

Connect with Zee on TikTok here -https://www.tiktok.com/@thereluctantaccountant

Follow me on: Instagram and Tiktok

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

This episode is sponsored by Unbiased a platform that connects you easily and quickly with over 27,000 FCA regulated financial advisors, accountants and mortgage brokers. 

Connect with a financial advisor for FREE by visiting Unbiased here: https://www.unbiased.co.uk/savvywallet

*NOTE: As of April 2024 the Full UK State Pension has increased to £11,502*

Joining us in the booth this week is Godfrey Asare, a FCA regulated financial advisor.

In this episode we discuss:

• Why Godfrey decided to become a financial advisor
• Money lessons that he learnt from himself 
• The difference between State pension, company pensions and private pensions
• Is it worth getting a private pension if you have a company pension?
• The tax benefits of having a pension as an employee and business owner
• How much you can put into a pension before you lose tax benefits
• Reasons why you shouldn’t solely rely on the state pension
• How contributing to a pension can help you with child tax benefits
• The minimum age you can get the state pension & your company/private pension
• Thoughts on whether the state and private pension age may increase in the future and much more

Connect with Godfrey on Linkedin here

Connect with Godfrey through his website here

Follow me on: Instagram and Tiktok

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Joseph Obeng, a qualified financial advisor with over 11 years in the financial services industry.

In this episode we discuss:

- Why making more money won't necessarily make you more wealthy!

- What true wealth is and steps to achieve it

- Why you need to 'design your life'

- Identifying your relationship with money

- The importance of good money allocation and tips to allocate your money better

- Good debt vs bad debt

- How to build wealth with your 9-5

- Money and non-money lessons Joseph learnt from his clients and much more

Follow Joseph on Instagram here

Get a copy of Joseph's book here

Follow me on: Instagram and Tiktok

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Sophia, who is a Medical Herbalist & qualified Endobiogenic Practitioner.

In this episode we discuss:

- What is herbal medicine?

- The differences between herbal medicine and traditional medicine?

- The pro's and cons of herbal medicine

- Why people are scared of herbal medicine

- How herbal medicine can help with stress and sleep

- Can herbal medicine actually cure you?

- The pillars of health

- What is Endobiogenic Medicine and much more!

Follow Sophia on Instagram here

Follow me on: Instagram and Tiktok

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Kazy, an experienced property developer and property investor with over 10 years experience in the property industry and Alfred Dzadey a property investor with a £4 million + property portfolio.

In this episode we discuss:

• Is deal sourcing the best place to start in property?
• Rent to rent doesn’t offer financial freedom! 
• Only the top 1% of rent to renters make real money?!
• Only the top 1% are successful in raising money?!
• Steps to investing into property
• Property Flipping vs HMO investing
• Spring Budget impact on property
• Predictions for property in 2024 and much more!

Follow Kazy on Instagram here

Follow Alfred here

Follow me on: Instagram and Tiktok

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Adelle Thompson a HR & Recruitment expert with over 13 years experience in the industry.

In this episode we discuss:

- How Adelle transitioned from Teaching to Recruitment

- Steps to change careers

- Rules for answering what are your salary expectations!

- Does prior salary have an impact on future salary

- Things to avoid saying in a job interview…!

- Negotiating your salary, annual leave & more!

- What companies are looking for in your CV & Interviews

- How to get a pay rise within 6 months of a new role and more!

Follow Adelle on Instagram here

Follow me on: Instagram and Tiktok

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Crosby Enninful a chartered FCCA accountant with over 12 years experience and founder of Egbenn Accountancy Services which he has been running for 5 years.

In this episode we discuss:

- The importance of being strategic with your career

- Why you should value learning skills over money

- How Crosby went from £18,000 to over six figures

- 4 habits you need to adopt to help you build wealth

- Creating an automated system around your money

- How to not let your budget diminish your quality of life

- How to avoid lifestyle inflation

- The importance of passive income and the dangers if you don’t have one

- People being good at creating wealth but not preserving it and much more

Follow Crosby on Instagram here

Follow me on: Instagram and Tiktok

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Kazy, an experienced property developer and property investor with over 10 years experience in the property industry. 

In this episode we discuss:

• The importance of balance in your life
• The impact of chasing success
• Doing business in Dubai with companies like Coach and Sephora
• Rental market in London being strong
• Buying 4 properties from auction in Feb
• How long a typical property flip takes
• Best property strategies for 2024
• 3 Legal changes that have money making potential with property and much more

Follow Kazy on Instagram here

Follow me on: Instagram , Tiktok, Twitter

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Benedicta Egbeme, who is a CIMA Qualified Accountant, Management Consultant and Business Finance Coach.

In this episode we discuss:

- The income tax allowance

- How much you get taxed and at what salary

- The UK Tax system incentivising business owners

- Government getting rid of the dividend allowance

- How employees can reduce their tax liabilities

- The impact of the income tax allowance being frozen till 2028

- What to do once you've received your tax code

- HMRC targeting people with side hustles and much more

Follow Benedicta on Instagram here

Follow me on: Instagram , Tiktok, Twitter

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Maya Saffron, who is a technical architect and founder of the maya’s minutes podcast.

In this episode we discuss: 

• The differences between growing up in East London vs North London
• Why going to Uni isn’t essential
• Why she became a PT and quit that to get into Tech
• The exact steps of how Maya got a tech role without a uni degree
• Pro’s and cons of working in the tech industry
• Navigating the tech industry as a woman
• Most valuable tech skills to learn in 2024 (with salaries)
• Tips on how you can land your next tech role 
• The future of the tech industry and much more

Follow Maya on Instagram

Follow me on: Instagram , Tiktok, Twitter

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

The podcast will be on a short break and will resume on the 12th February. Thanks for your patience.

Ato

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is David Olusegun, founder of creative control ventures that has partnered with celebrities like Krept & Sasha to launch Nala’s Baby Skincare and Aitch to launch Syps. 

David has worked at the likes of Warner Music, MTV, Nickelodeon, Kobalt Music, HIT entertainment and founded two companies prior to creative control.

In this episode we discuss:

• How South London prepared him for the business world
• Travelling opening his eyes to more
• Losing out on millions from his first business
• Working for MTV and Hit Entertainment
• Starting a record label under Warner Music UK
• Why David sold his two businesses
• Working with Krept and Sasha on Nala’s Baby Skincare
• Reasons Nala’s baby products sold out within 10 minutes
• Working with Aitch on Syps
• Lessons in branding and product all businesses should follow and more!

Follow David on Instagram here

Follow me on: Instagram , Tiktok, Twitter

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Antoinette Ale, the founder of Tressly which is a Website builder & booking software for hairstylists.

In this episode we discuss:

• Life growing up in Ghana and the difficult of transitioning to the UK
• Tressly & how it seeks to disrupt the hair industry and support hairstylists to grow their business
• Why getting customer feedback on your product is vital to it's success
• Lessons learnt from doing accelerators with Barclays, Sky & Google
• The importance of knowing the future of the industry
• The decline of the salon model
• Lack of formal education on diverse hair
• Debate: Natural hair vs Non-natural hair
• Pro's and con's of having a co-founder
• How to stop getting distracted and much more!

Follow Antoinette on Instagram here

Follow Tressly on Instagram here

Follow me on: Instagram , Tiktok, Twitter

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Dan Knott, a mortgage advisor who focuses on helping first time buyers get their first home.

In this episode we discuss:

• 2023 having the lowest first time buyers in 10 years
• The average age of a first time buyer in the UK
• The 4 questions you should ask yourself before buying property
• Where mortgage interest rates could go in 2024
• Should you overpay your mortgage?
• What to do if you're struggling with mortgage payments
• Why 5% mortgages might be suitable for you
• Benefits of the Lifetime ISA
• Getting property with bad credit and much more

Follow Dan on Instagram here

Follow me on: Instagram , Tiktok, Twitter

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

In this episode we welcome back Amri Celeste, who is a interview coach and recruitment/HR specialist, teaching people how to pass a job interview and secure their dream job. She has worked for the likes of Coca-Cola, Sky and British Airways.

In this episode we discuss:

• The state of the jobs market in the UK in 2024
• Big tech redundancies in 2023
• Why salaries are stagnant
• The future of remote working
• How AI may impact the job market in the future
• The second best time to apply for a job
• 3 Tips to Land Your Next Interview

Follow Amri on YouTube here

Follow Amri on Instagram here

Follow me on: Instagram , Tiktok, Twitter

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Hope you had an amazing Christmas and Happy New Year! Wishing you all the best in 2024 in every area of your life! Let's get it!

In this episode we're joined by the man himself Ato who is the founder of Savvy Wallet and the host of The Take Off Experience Podcast.

In this episode he shares five things that he has learnt from doing over 100 podcast episodes.

Follow me on: Instagram , Tiktok, Twitter

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Joining us in the booth this week is Money Mindset Expert, Money Coach and Financial Wellbeing Speaker, Laura Ann Moore.

In this episode we discuss:

- When you relationship with money is formed

- The danger with hustle culture

- The importance of good financial habits

- Tips to get an abundance mindset with money

- How to not feel guilty about being bad with money

- How to not feel guilty about wanting more money and much more

Follow Laura on Instagram here

Follow me on: Instagram , Tiktok, Twitter

Check out: https://www.youtube.com/savvywallet for the video version

Support this podcast at — https://redcircle.com/the-take-off/donations

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy