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Honest Money

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

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

PublishesWeeklyEpisodes320Founded6 years ago
Number of ListenersCategories
ManagementBusinessInvesting

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Artwork for Honest Money

Latest Episodes

In this episode, Warren Ingram and Pieter de Villiers explore retirement income strategies, focusing on how to structure your investments during the accumulation phase and transition into retirement. It emphasizes the importance of simplicity, proper... more

YouTube

In this episode, Warren Ingram & Pieter de Villiers answers listener questions on personal finance, covering topics like debt management, investment diversification, and offshore investing strategies. Gain practical insights to optimize your financia... more

YouTube

In this episode, Warren Ingram and Pieter de Villiers discuss the nuances of investing in ETFs, active management, and the potential of individual stock picking for young investors. They explore strategies for diversification, the importance of simpl... more

YouTube

This episode, Warren Ingram and Pieter de Villiers address key financial considerations for South Africans moving overseas for work, including tax implications, investment strategies, and practical logistics like banking and medical aid.

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Recent Guests

Ryan Murphy
Global Head of Behavioral Insights at Morningstar
Morningstar
Episode: Mind Over Markets: Practical Strategies for Long-Term Investment Success
Natalie Harrison
Head of distribution at Curate Investments
Curate Investments
Episode: The Art and Science of Investing: Active, Passive and Quality Strategies Explained
Bastian Teichgreeber
Chief Investment Officer of Prescient Investment Management
Prescient Investment Management
Episode: Rate Cuts Explained: How Lower Interest Rates Could Boost SA Consumers & the Economy
Ray Mhere
CEO of Curate Investments
Curate Investments
Episode: Unit Trusts 101: How South Africans Can Choose the Right Fund for Their Future
Pieter de Villiers
Financial expert and co-host of Honest Money
Money Marks
Episode: Trusts 101 for South Africans: How the Wealthy Legally Protect Their Money in SA
David Hurford
Chief Executive Officer of Fairhead Benefits Services
Fairhead Benefits Services
Episode: Estate Planning Essentials: Protecting Your Retirement Funds for Loved Ones
Michelle Green
Credit analyst and chair of the ESG committee at Prescient Investment Management
Prescient Investment Management
Episode: Sustainable Wealth: How ESG Principles Are Shaping Smarter Investments
Dr. Marc Rogatschnig
Co-author of the book Small Changes, for Big Results and a psychologist.
Episode: Imposter Syndrome and Your Wallet: Breaking the Cycle of Emotional Spending
Henk Kotze
Head of cash and income at Prescient Investment Management
Prescient Investment Management
Episode: Emerging Markets & Global ETFs: Capitalizing on Decreasing Interest Rates

Host

Warren Ingram
Host of Honest Money

Reviews

4.8 out of 5 stars from 279 ratings
  • Valuable

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

    Apple Podcasts
    5
    Wilderness Dreaming
    South Africa5 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 States9 months 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 Africa10 months 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.

Audiences appreciate the blend of personal finance and investing topics, plus real-world examples from the SA market.
Valuable and practical retirement advice delivered with kindness and clarity.
The show is seen as a trustworthy source for building wealth and navigating financial decisions in South Africa.
Listeners consistently praise the straightforward, honest guidance and the SA-focused financial perspective.
Guests and hosts provide accessible explanations of complex topics, with practical budgeting and planning tips.

Chart Rankings

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

Talking Points

Recent interactions between the hosts and their guests.

What To Do With A Large Lump Sum of Money In South Africa
Q: What should I do with a 2 million rand cash windfall from selling property — offshore diversification or a brokerage account offshore/global exposure?
They recommend global diversification, potentially via a rand-denominated offshore feeder fund or directly offshore, with a focus on remaining invested for the long term and managing currency risk.
What To Do With A Large Lump Sum of Money In South Africa
Q: Should I continue with my car installment or take the money and invest it into a traded fund to fund my two-year-old daughter's tuition?
The hosts suggest balancing debt payoff with building long-term goals, keeping an emergency fund, and prioritizing long-term growth through TFSA and education funding while considering the psychological comfort of debt reduction.
How To Build A Simple Local ETF Portfolio In SA
Q: Given my time constraints and current allocation, is it worth adding individual stocks to my portfolio, or should I stay with a global ETF core and some active exposure?
If you have the time and conviction, a small allocation (around 5%) to individual stocks can be educational and potentially rewarding, but you must limit risk, maintain diversification, and be prepared to monitor and adjust as needed; otherwise, sticking to low-cost global ETFs with a measured portion of active management is a solid, lower-risk approach.
Local vs Offshore: Finding The Right Balance
Q: Moving funds between MSCI World and MSCI ACWI—what's best: sell and move, or start fresh with new contributions and leave the old funds as is?
They discuss that neither World nor ACWI is wrong, but avoid being overconcentrated in a single region or index. You can gradually adjust via reallocating contributions, potentially increasing exposure to emerging markets through ACWI or a separate EM ETF, while not forcing a full sale of existing holdings if capital gains taxes are a concern. The emphasis is on a balanced, long-term strategy rather than a quick, tax-heavy rearrangement.
Local vs Offshore: Finding The Right Balance
Q: Hi Warren, I have a question about local versus offshore exposure in a tax-free investment account, with an emergency fund in local and a provident fund, and I'd like to balance this in my TFSA.
The hosts explain there's no single right answer and that you should consider your personal style, overall portfolio mix, and preference for simplicity or complexity. A suggested approach is to blend local SA bonds with a global equity component in the TFSA to achieve balance, possibly keeping 50% in a balanced or diversified fund and ensuring the TFSA remains long-term oriented, while keeping within tax-advantaged parameters.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

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Frequently Asked Questions About Honest Money

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

Offers practical personal-finance guidance focused on South Africa, with conversations led by a seasoned financial planner and author. Episodes commonly tackle budgeting, retirement planning, investing strategies (including diversification, active vs. passive approaches, and risk management), debt and spending psychology, and navigating South African financial products and regulations. The hosts frequently translate global financial concepts into local context, share actionable tips, and emphasize disciplined planning, measurable goals, and clarity in financial decision-making. A standout aspect is the accessible, no-nonsense delivery from a highly regarded practitioner, often supported by sponsor connections and guest perspectives that dee... more

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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. WorldWide Markets with Simon Brown
5. Investec Focus Radio SA

How many episodes of Honest Money are there?

Honest Money launched 6 years ago and published 320 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. Ryan Murphy
2. Natalie Harrison
3. Bastian Teichgreeber
4. Ray Mhere
5. Pieter de Villiers
6. David Hurford
7. Michelle Green
8. Dr. Marc Rogatschnig

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