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Honest Money

Warren Ingram
South Africa
Investment Strategies
Financial Planning
Retirement Planning
Investment Management
Retirement Funds
Estate Planning
Debt Management
Diversification
Tax-Free Savings Accounts
Inflation
Personal Finance
Financial Freedom
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 weeklyEpisodes345Founded7 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 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 Trust... more

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 f... more

YouTube

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-t... more

YouTube

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 th... more

YouTube

Key Facts

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Recent Guests

Pieter de Villiers
Guest on Q&A episode
Episode: How To Choose A Global Index Fund As A South African
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
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
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
Clinical psychologist and co-author of 'Small Changes for Big Results'
Episode: Rational Wealth: Managing Fear for Smarter Financial Choices

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 284 ratings
  • Valuable

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

    Apple Podcasts
    5
    Wilderness Dreaming
    South Africa9 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.

Apple Podcasts
#200
Germany/Business/Investing
Apple Podcasts
#138
South Africa/Top Podcasts
Apple Podcasts
#5
South Africa/Business/Investing
Apple Podcasts
#11
South Africa/Business
Apple Podcasts
#61
Ukraine/Business/Investing
Apple Podcasts
#126
Colombia/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

34 With No Retirement Savings? You're Not Behind
Q: Hi Warren and Pieter. Big fan of the show. I was retrenched and unemployed for three years, up to my eyeballs in debt, and I'm 34 with no retirement savings. Is there a financially smart way to do both building an emergency fund and starting retirement savings, or should I stick to the baby steps?
There isn't one universal path; focus on building a solid emergency fund first to gain peace of mind, then start allocating free cash flow to retirement once you've established that foundation. Given your age and situation, you can begin modestly (e.g., small monthly contributions) while continuing to grow the emergency fund, and gradually increase retirement contributions as your fund strengthens.
How Much Fees Should I Be Paying On My Investments?
Q: What is a reasonable effective annual fee for all my investments, including fund management, admin, and advisor fees?
A sensible range for a balanced mix of actively managed and index-tracking options is about 1% to 2% for active funds and around 0.2% to 0.6% for index trackers, with admin and platform fees adding about 0.2% to 0.6%. For larger portfolios, a combined total around 1.2% to 1.5% plus VAT is feasible if you consolidate on a capable platform and use a transparent advisory model.
How To Choose A Global Index Fund As A South African
Q: If I earn in US dollars while living abroad, should I keep investments in dollars via EasyEquities USD or convert to rand and invest locally, considering tax and estate implications?
Investing in US-domiciled funds can create estate and tax complications; generally, it's better to use non-US-domiciled ETFs (e.g., Irish-domiciled) when available and keep the core allocation in the currency of your tax residency. If possible, invest in a dollar-based, globally diversified fund and avoid unnecessary currency conversions that add cost and risk.
How To Choose A Global Index Fund As A South African
Q: I've been contributing to a tax-free savings account and am deciding between MSCI World, emerging markets, and JSE Top 40—should I mix them or stick with one core approach?
A simple, long-term strategy often works best: pick a core core global fund like MSCI World or MSCI Acqui for broad diversification, and optionally add a local component such as JSE Top 40 to capture local growth. Avoid excessive overlap by limiting to a small number of funds, and tailor the mix to your time horizon and tax situation.
How To Invest Directly Offshore As A South African
Q: How should a nanny's retirement savings be set up—RA or an ETF—and how to balance debt reduction with investing for future security?
Start with a retirement-focused approach that preserves liquidity where appropriate, consider a retirement annuity for protection against early withdrawals, and address high-interest debt first through education and a structured plan; once debt is under control, automate savings via tax-free accounts or RA to build long-term wealth.

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?

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. WorldWide Markets with Simon Brown
5. Maya on Money

How many episodes of Honest Money are there?

Honest Money launched 7 years ago and published 345 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. Pieter de Villiers
2. Ruphert Hare
3. Ryan Murphy
4. Natalie Harrison
5. Bastian Teichgreeber
6. Ray Mhere
7. David Hurford
8. Michelle Green

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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