Honest Money

40 Episodes
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By: Warren Ingram

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

Advice on Purchasing a Car and Using Overdrafts for Investments (Q&A With Warren Ingram)
Last Saturday at 2:00 AM

In today’s episode, Warren Ingram does a Q&A around using overdrafts for investments and provides financial advice around purchasing a car that is best for your pocket. 

Questions/ Topics: 

How can I use my overdraft to benefit me in terms of investing or getting financial gain? What financial advice do you have around buying a car? 

Got a question after listening to this episode? Don’t forget to send us your Voice Note questions on WhatsApp to (+27) 72 934 4218 and follow us on Twitter, LinkedIn and Subscribe to our YouTube channel for more Fin...


Want To Become A Financial Planner? Here’s What You Need To Know (Q&A with Warren Ingram)
09/04/2021

We got a great question from a follower about becoming a financial planner and is there a need for financial planners in the South African economy. Listen to what Warren Ingram has to say in this interesting Q&A episode. 

Topics/ Questions: 

What are the pros and cons of becoming a financial planner? What is the current state of the industry and is there a need for financial planners in the South African economy? What type of person is best suited to become a financial planner? 

Got a question after listening to this episode? Don’t...


Breaking Down Income Protection, What It Means and Does It Cover COVID/ Other Illnesses.
08/28/2021

An interesting topic that is relevant to most South Africans, what is income protection and why would I need it? Warren Ingram and Elmarie Samuel, Senior Technical Marketing Specialist at FMI, speak about the ins and outs of income protection and answer questions around COVID related protection, the difference between lump-sum disability and more.  

Topics/ Questions: 

What is income protection for? What are some of the most common reasons for loss of income based on statistics?Would I be protected with income insurance if I got COVID? What’s the difference between lump-sum disability protection and income...


Transferring Your Retirement Annuity From Insurance Company to Index or Unit Trust Provider | Bond Refinancing, Where to Invest the Financial Difference and What to Consider (Q&A With Warren Ingram)
08/21/2021

Today’s episode is beneficial to most listeners looking at transferring your retirement annuity from an insurance company to an index or unit trust provider. Warren Ingram also answers questions around bond refinancing, where to invest the financial difference and what to consider when doing it.

Questions/ Topics: 

Should I move my retirement annuity over to an investment company and is it worth paying the fees/ tax involved?Understanding bond refinancing, where to invest the financial difference and what to consider when doing it 


Have any questions? Don’t forget to send questi...


How To Be More Than Just a Business with Mashudu Modau
08/14/2021

Today’s podcast is filled with motivation, words of wisdom and the importance of building a community, not just a business. Mashudu Modau shares his views with Warren Ingram on how passion, loyalty and integrity are the foundations to building and supporting businesses. 

Questions and topics: 

1. What is a community for an entrepreneur? 

2. How is building a community good for brand loyalty? 

3. Advice from Warren on what he thinks sustained him throughout his entrepreneurial journey 

4. How is building a community linked to having integrity and being t...


Is It Worth Paying a Financial Planner to Assist With Your Investment Portfolio?
08/12/2021

We welcome back Grant Locke, head of OUTVest, to talk to Warren Ingram about the impact of financial planners in the investment industry, what studies show and the fairness of fee structures based on clients portfolios. 

Topics/ Questions: 

Do financial planners add value to your portfolios? What do Vanguard and Morningstar studies show on where financial planners add value? About Vanguard and Morningstar How are fees determined for financial advisor services? Why do we have percentage-based fees? What is a fair fee structure? 

Have you heard about the OUTVest competition where you can win R10 000 invested...


How Can Businesses Apply For Funding?
08/07/2021

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 president? How can businesses apply for funding assistance? Before applying for funding, what do businesses need to know? What institutes are most likely to help small businesses with funding? What am...


Funding Your Business Through Your Side Hustles, Tshepiso Shares His Success Story
07/31/2021

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 Resource Planning (ERP), Advisory, Bookkeeping, Payroll, Tax, Accounting and Financial Management.

Get tips and advice on the “blind spots” business owners need to look out for and how to make your side hustle a success in this podc...


Business Resources, Networking & Top Tips for SME’s with Vuyo Dubese
07/26/2021

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 forThe importance of planning and budgetingAdvice on service, partnerships and networking Where to find useful business resourcesWhy joining a community will benefit you and How the #SageForSmallBiz can help you 

Got your own business or looking at starting one? Sign-up for Sage’s 30-day free trial and see how their software can help take your business further: https://bit.ly/3djWTiW

Send us your q...


Why Researching Fee Structures is Important For Your Investments
07/22/2021

“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/ Topics: 

Why are fees important? What are the effects on short-term and long-term investments? What would reducing your fees do to your investments?What is index investing & how can fund managers assist? W...


From a Backyard Business to Supplying Farmers With 40 000 Seedlings Per Week, Andile Shares His Story
07/19/2021

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 from making a dream a reality, Andile shares his story on how he went from seed to start-up! 

Got your own business or looking at starting one? Sign-up for Sage’s 30-day free trial and see ho...


OP Shares Advice On How To Start Your Own Business, Busting Myths About Investing In The African Market & More
07/12/2021

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 reach your goals. 

Got your own business or looking at starting one? Sign-up for Sage’s 30-day free trial and see how their software can help take your business further: https://bit.ly/3djWT...


From R200 to R2.2 million, Brian Shares His Success Story
07/05/2021

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 poor credit history and no capital. I tried to find another job, with no luck.”

Refusing to give up, B...


Top Tips On Paying Off Debt, Saving and Understanding Money In Relationships
06/24/2021

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 help pay off debt and save? How to use group mentality to make your savings journey funUnderstanding money in relationships What advice do you have for your yo...


All Your Tax Questions Answered by Tax Guru, Andre Bothma, and Warren Ingram
06/17/2021

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 happen if we didn’t have Tax? How to save money within the Tax laws Investment options that assist with Tax reductions What is donations tax and how can this assist those that are caring for m...


How to Make Extra Income on Your Investments (Q&A with Warren Ingram)
06/14/2021

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 young person do to generate extra money to put towards their investment portfolio? 


Don’t forget to send questions through to our WhatsApp on (+27) 72 934 4218. Follow us on Tw...


Learn How OUTVest Can Help You Reach Your Financial Goals & You Could WIN R10 000
06/07/2021


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 aligns with Honest Money. 

Questions/ Topics: 

Why are we doing the Super Saver Competition? What OUTVest investment accounts are on offer? ...


How to Avoid Dipping Into Your Savings and What Company Information Should You Research Before Buying Shares (Q&A With Warren Ingram)
05/31/2021

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 every month, how can I overcome this problem?I'm looking at investing in single shares, what are the key components I ne...


How to Invest With Smaller Amounts of Money With Guest Speaker, Thando
05/24/2021

“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 there?  Investing in livestock Stock market and cryptocurrency investment advice Thando’s journey with money About the FIRE movement 


Don’t forget t...


Investing in Endowments and How Expense Ratios Work (Q&A With Warren Ingram)
05/17/2021

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 after listening to this episode? Don’t forget to send us your Voice Note questions on WhatsApp to (+27) 72 934 4218 and follow us on Twitter, Linke...


From 170k in Debt to Being Debt Free: Charles Hsuan Shares His Personal Finance Story
05/10/2021

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 now debt-free impacted the way you run your business? How did those around you support you in paying your debt off...


Everything You Need to Know About Tax-Free Savings Accounts (Q&A With Warren Ingram)
05/03/2021

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 company, am I limited to an RA or will a tax free savings account suffice? I'm starting my investment journey and I want to invest in a tax fr...


Understanding Feeder Funds, Leveraging Off the Exchange Rate and Investment Properties (Q&A With Warren Ingram)
04/26/2021

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 WhatsApp to (+27) 72 934 4218 and you could be featured in an upcoming episode with Warren.

Follow us on Twitter, LinkedIn and Subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod


Everything You Need to Know About Trusts
04/19/2021

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 a Trust? Is there a financial benchmark that I should reach before building a Trust? What are the costs of establishing a Trust? What do I need...


Super Saver Competition With Outvest and Honest Money
04/12/2021

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 Ingrams book. 

No investment is too small… So what are you waiting for? Sign up today: https://bit.ly/3wEMBlB

P.s. Want to f...


Investments During the Market Crash and How to Invest Your Money if You’re Emigrating
04/05/2021

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 and don’t know whether I should take my money offshore or invest locally? 

Send us your Voice Note question on WhatsApp to (+27) 72 934 4218 and you could be featured in an upcom...


What Is a Will and Why Do I Need One?
03/29/2021

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 visit https://www.galileowills.co.za/


Contributing to Retirement Funds vs. Other Discretionary Investments; Is It a Good Time to Buy a Bigger Property? (Q&A With Warren Ingram)
03/23/2021

Warren Ingram shares advice

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 upgrade your smaller property and/or buy a bigger property?


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:

 @HonestMoneyPod


Diversifying Your Portfolio During Turbulent Times and Understanding Tax When Withdrawing From a TFSA (Q&A With Warren Ingram)
03/15/2021

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 liable to pay tax when I withdraw money from my TFSA (Tax Free Savings Account) if my investments are in offshore ETFs like the S&...


End-of-Year Investing Strategies
03/08/2021

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


Where Do I Go to Get Impartial Financial Advice? Are Global Equity Funds Overheated? (Q&A With Warren Ingram)
03/01/2021

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 episode with Warren.

Follow us on twitter for more Financial Freedom content:
https://twitter.com...


Budget Speech 2021: Warren Ingram Shares His Thoughts
02/25/2021

In this episode Warren Ingram offers a reaction to the 2021 Budget Speech made by Minister of Finance Tito Mboweni.


Warren Ingram Interviews the Co-Founder of WeBuyCars, Faan Van Der Walt.
02/22/2021

Faan Van Der Walt is the co-founder and executive director of WeBuyCars, one  of SA's leading car sales brands. 

Faan shares his entrepreneurial story of him and his team built the company over 20+ years. He also gives his personal advice on how you can get the best value for money when buying a car in SA. 

Follow  us on twitter for more Financial Freedom content:

https://twitter.com/HonestMoneyPod


Warren Ingram Interviews the Co-Founder of WeBuyCars, Faan Van Der Walt.
02/22/2021

Faan Van Der Walt is the co-founder and executive director of WeBuyCars, one  of SA's leading car sales brands. 

Faan shares his entrepreneurial story of him and his team built the company over 20+ years. He also gives his personal advice on how you can get the best value for money when buying a car in SA. 

Follow  us on twitter for more Financial Freedom content:

https://twitter.com/HonestMoneyPod


Q&A With Warren Ingram: How to Invest Offshore; Earning Passive Income From a Lump Sum of Capital; Benefitting From Compound Interest
02/15/2021

Warren answers 3 important questions from the listeners with the help of Katlego Mei, who is a Para Planner at Galileo Capital.

Questions/topics: 

As a farmer with most of my assets tied up in land and livestock in SA, how do I diversify my portfolio and invest offshore?What is the best way to preserve a large amount of capital for passive income?Where can I invest if I want to benefit from compound interest? 


Send us your Voice Note question on WhatsApp to (+27) 72 934 4218 and you...


Managing Your Money With a Mobile App
02/07/2021

Warren interviews Jikku Joseph, Managing Director at 22seven, to find out how South Africans can manage their money more effectively using their mobile app.

Follow Honest Money on twitter for more Financial Freedom content:
www.twitter.com/HonestMoneyPod


2021: Important Personal Finance and Investing Advice
02/01/2021

Warren speaks to Katlego Mei, Para Planner at Galileo Capital, about the most important things you should be thinking about going into 2021. 

Topics of discussion:

2021 Emergency fundsBudgetingUpdating your WillDiscretionary  investmentsDiversification of assetsOffshore portfolio


Join us on twitter for more #FinancialFreedom content:

https://twitter.com/HonestMoneyPod 


7-Minutes to Kickstart Your 2021
01/18/2021

Some of the best pieces of advice shared by Warren Ingram and the Honest Money guests in 2020.

Follow us on twitter for more #FinancialFreedom content: 

@HonestMoneyPodhttps://twitter.com/HonestMoneyPod





How to Tell if You're on Track to Achieving Financial Freedom
11/30/2020

In this episode Warren answers two important questions from the Honest Money listeners: 

How do I navigate a lump sum investing in current market conditions? How can I tell whether I'm on the right track to achieving financial freedom or not? 


Follow us on twitter for more #FinancialFreedom content: 

@HonestMoneyPodhttps://twitter.com/HonestMoneyPod


Can I Use My Access Bond as an Emergency Fund?
11/22/2020

An access bond is a type of home loan that allows borrowers who have paid extra money into their bond to withdraw the extra money should they need it. 

In this episode Warren answers questions from the listeners and shares advice on investing in property funds vs. global equities as well as how you can use an access bond as an emergency fund.

Follow us on twitter for more #FinancialFreedom content:

@HonestMoneyPodhttps://twitter.com/HonestMoneyPod