Honest Money

Hosted by Warren Ingram

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Episodes

350

Latest episode

Oct 2026

Language

EN-US

About the show

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

Listen to episodes

60 recent

October 24, 202616 min

The Truth About Paying Off Debt Versus Investing

In this episode, Warren Ingram and Pieter de Villiers explore a comprehensive approach to personal finance, focusing on property investment, debt management, and tax-efficient strategies, with insights from a seasoned financial advisor. Chapters 00:00 Introduction to the episode and guest 01:57 Assessing property value and yield 04:06 The role of debt and tax deductions in property investment 06:12 Diversification and risk management in property portfolios 07:52 Long-term strategies for building property wealth 10:09 Psychological aspects of debt and investment choices 12:06 Summary and final thoughts Learn more about how Curate Investments can help you here . 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 17, 202615 min

The Truth About Lump Sum vs Monthly Investing

In this episode, Warren Ingram and Pieter de Villiers explore the nuances of investment timing, the psychological factors influencing investment decisions, and practical strategies for phased investing, featuring insights from a seasoned financial advisor. Chapters 00:00 Introduction and episode overview 02:21 When to consider lump sum investing during market downturns 06:02 Long-term market trends and statistical insights 07:20 Psychological considerations in investment decisions 08:43 The importance of self-awareness and risk tolerance 10:05 The role of patience and market timing 11:16 The value of understanding personal biases and emotional responses 12:37 The human element in investing and emotional resilience 13:26 Practical advice for phased investing and self-knowledge 14:16 Closing remarks and encouragement for listeners Learn more about Prescient Investment Management here . 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 10, 202616 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, 202611 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, 202618 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, 202614 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, 202615 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, 202624 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, 202615 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, 202615 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