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Honest Money

Warren Ingram
South Africa
Investment Strategies
Financial Planning
Retirement Planning
Estate Planning
Investment Management
Retirement Funds
Debt Management
Diversification
Tax-Free Savings Accounts
Financial Freedom
Inflation
Personal Finance
Investing
Emerging Markets
Financial Goals
Financial Literacy
Budgeting
Unit Trusts
Interest Rates

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

PublishesTwice weeklyEpisodes348Founded7 years ago
Number of ListenersCategories
InvestingBusinessManagement

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Artwork for Honest Money

Latest Episodes

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.

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• 00:00 Introductio... more

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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 s... more

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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.

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00:00 Introduct... more

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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.

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00:00 Introduction to Trust... more

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Recent Guests

Dr. Ryan Murphy
Morningstar's global head of behavioral insights
Morningstar
Episode: Riding Out the Storm: Markets, Emotions, and Discipline
Chris Murphy
Chairperson of the Fiduciary Institute of Southern Africa (FISA)
FISA
Episode: Why Most People Don't Have Wills and Why They Should
Eben Nel
Counselor of the Fidicary Institute of Southern Africa and fiduciary advisor at PSG
Fiduciary Institute of Southern Africa; PSG
Episode: Trusts Uncovered: When and Why to Use Them
Robert Edwards
Chartered accountant, global traveler, author of Quit, Travel, Grow
Author
Episode: From London to the World: A Journey of Financial Freedom
Angélique Krügel
FISA counselor and director of Wealth and Legacy Group
FISA / Wealth and Legacy Group
Episode: Estate Planning Made Simple: Protect Your Legacy
Ruphert Hare
Head of multi-asset at Prestient Investment Management
Prestient Investment Management
Episode: The Future of AI in Business: Opportunities and Challenges
Ryan Murphy
Global Head of Behavioral Insights at Morningstar
Morningstar
Episode: Mind Over Markets: Practical Strategies for Long-Term Investment Success
Ray Mhere
Chief Executive Officer of Curate Investments
Curate Investments
Episode: The Behaviour Gap: Why Investors Underperform
Natalie Harrison
Head of distribution at Curate Investments
Curate Investments
Episode: The Art and Science of Investing: Active, Passive and Quality Strategies Explained

Hosts

Warren Ingram
Host of Honest Money; financial planner and author; appears across episodes providing investment guidance and financial planning insights.
Pieter De Villiers
Co-host; shares practical investment guidance and planning insights.

Reviews

4.8 out of 5 stars from 286 ratings
  • Valuable

    Such good advice on retirement. Real and kind, thank you!

    Apple Podcasts
    5
    Wilderness Dreaming
    South Africa10 months ago
  • Pure gold

    So glad I found this podcast! Wealth of information relative to South African economy. Very interesting topics, I’ve learnt a lot already!

    Apple Podcasts
    5
    dane ks
    United Statesa year ago
  • Thank you

    People pay good money for all this advice! almost too good to be true! Thanks Warren and team

    Apple Podcasts
    5
    Cvcjhb
    South Africaa year ago
  • Basic info that make a big change

    Thank you Warren and Pieter. Discussing insurance products (to help me understand these grudge purchases) and helping us understand Financial Freedom and that small amounts WILL make a big difference. When calculating how long it will take for my wife and I to reach FF, it will take another 20 years, but we will be 57 (if investments grow by 10%). Even though we have little now, but knowing that we will reach FF before retirement is comforting. Let’s hope the economy stays the course and inflati... more

    Apple Podcasts
    5
    JaunGuan
    South Africaa year ago
  • Brilliant Finance Podcast

    Warren answered all of my questions on his podcast in such a clear and simple manner! He's also straightforward and honest, exactly as the title describes! I love listening to the podcasts - they are unique and informative in an easy and understandable manner. A rarity in financial and wealth advisors!

    Apple Podcasts
    5
    Angela 2875
    South Africa2 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Guests and hosts provide no-nonsense guidance that helps demystify fees, offshore investing, and retirement planning.
Listeners appreciate clear, honest, and practical financial advice.
Content is accessible and easy to understand, with real-world relevance for SA investors.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

Why Most People Don't Have Wills and Why They Should
Q: What's the one myth around estate planning that you wish you could bust for South Africans?
Estate planning is not just for the wealthy; it is for everybody, and its purpose is to ensure the family is looked after quickly and efficiently after death, with planning covering guardianship, trusts, and financial arrangements.
Retiring Soon With Too Much In Shares? Watch This
Q: What are the main reasons people consider de-risking before retirement, and how valid are those reasons?
People often rely on rules of thumb (like age-based equity lines) or pension fund de-risking practices; while de-risking can reduce short-term volatility, it can also expose portfolios to inflation risk over long horizons. A nuanced approach keeps growth exposure while using a staged plan to manage risk and safeguard the income needs in retirement.
Retiring Soon With Too Much In Shares? Watch This
Q: How should someone 55 with 10 years to retirement think about asset allocation and de-risking?
Treat retirement as a transition, not an end, and avoid sweeping de-risking to cash right before retirement. Maintain a growth bias (around 75% in shares if tolerable) while gradually bulking up emergency cash and considering a diversified balance for the remainder; build the buffer over time rather than drastic shifts now.
Can Moving Mom's Money Into An RA Avoid Tax?
Q: So basically what Ruan is asking here is, his mom is a bit older, she's 83, and it sounds like most of the money just sits in savings and discretionary investments, so most likely all of that falls into a state. When the time comes, can I transfer all her money, savings and investments, into her retirement annuity to save on estate duty and executors fees?
The hosts explain that transferring all assets into a retirement annuity to avoid estate duty and executor costs is not advisable; withdrawals from an RA are taxed as personal income, there are annual deduction limits (27.5% of income or up to 430,000 rand per year), and over-contributing can lead to tax penalties. They also highlight that some benefits of RA involvement can be offset by estate dynamics and potential future taxation, and they discuss alternative strategies like structuring loans or endowments with proper estate planning. Overall, the consensus is that the move is not a simple win and should be considered within a broader life-and-tax planning context.
How To Start Investing On A Small Salary
Q: With 10,000 rand a month and 50% of it already spent, should I save first, invest first, or do both at the same time? What are the steps I should follow?
Start by eliminating debt if any, then build an emergency fund covering 3-6 months of expenses. If you already have no debt, save to build the emergency fund first, then move into investing. Be clear on your why and goals, and ensure you can sustain a saving habit; as income grows, maintain the discipline to save about half your salary and progressively invest, while avoiding financing big purchases from investments and prioritizing risk protection and financial education.

Audience Metrics

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Frequently Asked Questions About Honest Money

What is Honest Money about and what kind of topics does it cover?

A practical finance show focused on personal wealth, investing, and tax-conscious planning, with regular deep-dives into fees, offshore investing, retirement income, property decisions, and tax changes affecting everyday South Africans. Across episodes, practical tips, simple explanations, and transparent discussions on costs, global diversification, and disciplined investing stand out, often illustrated with listener questions and real-world scenarios. Noteworthy are sponsor-supported rundowns on fee structures, straightforward retirement planning guidance, and a consistent emphasis on long-term, low-cost strategies that aim to demystify complex financial topics for a broad audience.

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Which podcasts are similar to Honest Money?

These podcasts share a similar audience with Honest Money:

1. MoneywebNOW
2. The Money Show
3. BizNews Radio
4. SMWX
5. WorldWide Markets with Simon Brown

How many episodes of Honest Money are there?

Honest Money launched 7 years ago and published 348 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Honest Money?

Recent guests on Honest Money include:

1. Dr. Ryan Murphy
2. Chris Murphy
3. Eben Nel
4. Robert Edwards
5. Angélique Krügel
6. Ruphert Hare
7. Ryan Murphy
8. Ray Mhere

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