Money Espresso - no-froth conversations exploring money and life

In this, my final episode as host of Money Espresso, I reflect on some recurring themes from a selection of the wonderful guests who joined me on Season Two. These themes focus on enjoying the now, contentment, legacy, giving, joy and recognising your own value. We hear from Cathi Harrison, Holly Ryan, Clare Fielding, Neil Bage, Tom Ilube, Chris Budd, Nick Elston with some powerful closing words from Sue Baker. I close with my personal thanks to our sponsors Paradigm Norton, our guests, you, the listener, and give you a little intro to our next hosts who will be carrying on the conversations. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the reflections If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/ruthsturkey • LinkedIn - linkedin.com/in/ruthsturkey/

In this episode I chat to Tom Ilube who shares his incredible achievements as a serial entrepreneur, philanthropist and the first black Chair of the RFU. Coming from a mixed race family Tom speaks about his upbringing between London, Uganda and Nigeria and the resilience and techniques that taught him which would become formative in his business success. We speak about the racism he faced as a young black man in London in the 70s and the long arc of change. He explains how he found himself in computing before most of us knew what they were and how he has approached philanthropy in an entrepreneurial way to maximise the impact he can make in STEM (Science Technology Engineering and Mathematics) education both in the UK and for young women in Africa. His aim is to change the narrative. He also gives me some wonderful advice about having better philanthropic conversations. Finally, Tom talks about his vision for rugby in the UK and in particular the women's game and shares his best money purchase for around £30 and his Money Pearl of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Tom can be found on LinkedIn here - https://www.linkedin.com/in/tomilube/ • Find out about Tom's African Gifted Foundation here - https://www.africangifted.org/our-founder • Listen to his Desert Island Discs episode here - https://www.bbc.co.uk/programmes/m00106jx If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/RuthSturkey/ • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to Nick Elston who shares his journey from burnout to becoming a Mental Health Advocate, Inspirational Speaker and Transformational Speaking Coach. Nick talks openly about his childhood Obsessive Compulsive Disorder which led to a mental health breakdown in adulthood. He explains the liberation of having nothing to lose and how talking openly about his experience enabled him to find community and commonality with those around him. Nick explains how he sees his life in chapters, the circularity of life and the importance of being properly selfish. He also shares his love of country music and puts me on the spot to name my ‘walk on' song! Finally, Nick shares his best money purchase for around £30 and his thought provoking Money Pearl of Wisdom around knowing your own value in price negotiations. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Nick can be found on LinkedIn here - https://www.linkedin.com/in/nickelston/ • Find out more about Nick on his website here - https://nickelston.com/ • You can find Nick's brilliant podcast here - https://podcasts.apple.com/gb/podcast/the-nick-elston-show/id1565104808 If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/RuthSturkey/ • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to Cathi Harrison, founder and CEO of The Verve Group of companies, on her journey from ‘no money' as one of six children to a single mother, to running a business of 70 people with ambitions for far more to come. Cathi's achievements by age 40 are remarkable. She oozes grit & determination. From being a freelance Para Planner 13 years ago, to running 4 companies and one not for profit now, Cathi is intent on changing the face of financial services. Coming from a background of scarcity she speaks of her drive to control her own destiny and making change happen. Hear how her she doubled the size of the business during lockdown, the challenges she has faced, why women feel the need to get qualified to overcome gender discrimination and her views on building a workplace culture. She tells me her highly evolved definition of ‘real success', her desire for societal change around money and financial services and her kernel of idea to change another fusty industry. Finally Cathi shares her best money purchase for around £30 and her Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Cathi can be found on LinkedIn here - https://www.linkedin.com/in/cathiharrison/ • At The Verve Group here - https://weareverve.co.uk/our-group-overview/our-people/ • Listen to Cathi's podcast ‘That Mint Podcast' - https://thatmintpodcast.co.uk/ • Learn about the We Are Change movement here - https://weareverve.co.uk/the-verve-foundation/we-are-change/ Glossary: Cathi uses a few abbreviations during our conversation, here's what they mean: • Para Planner – a technical expert who analyses data and information to formulate financial advice • Chartered Insurance Institute – the professional body for most financial advisers and financial planners. • RDR – Retail Distribution Review – basically the banning of commission on most financial products in favour of fees. • AR – Appointed Representative – which basically means an advisory firm who's compliance decisions are governed by a third parties interpretation of the FCA's guidelines • FCA – The Financial Conduct Authority – the regulator for financial advice. If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/RuthSturkey/ • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to Neil Bage who shares his journey from life guard and compère at Butlins in Bognor Regis to co-founding Shaping Wealth, a learning technology platform transforming the human experience of money. He has served as a Chief Behavioral Officer in the UK and was the founder of a multi-award-winning behavioural technology business. Neil speaks with passion about his fascination around human behaviour and the tech based tool he developed to help financial planners really understand their clients. He explains how the financial services industry should be inverted to really focus on the clients and the power of better conversations. Neil shares his experience of ‘real success' and shares a deeply personal story to illustrate the beauty of contentment and the yin and yang of life. Finally, Neil shares his best money purchase for around £30 and his Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Neil can be found on LinkedIn here - https://www.linkedin.com/in/neilbage/ • Find out more about Shaping Wealth here - https://www.shapingwealth.com/ • You can find Neil's excellent Bitesize Behaviour podcast here - https://podcasts.apple.com/sg/podcast/bitesize-behaviour-podcast/id1534284786 If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/RuthSturkey/ • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to Bobby White who shares how his passion for making, cars, motion and diamonds led to a jewellery apprenticeship, buying his bosses business at 21 and making statement jewellery pieces for the stars. Bobby's is an artist with 100% commitment to design, craftmanship and making the very best and beautiful works of art. Bobby tells about the high and lows of his journey, the recent opening of his Mayfair boutique and how he harnessed You Tube to reach over 650,000 subscribers, expand his customer base and show first-hand the personality of his brand and the creation of his iconic pieces. Bobby's story is fascinating, be prepared to yearn for one of his gorgeous pieces by the end of it. Finally, Bobby shares best money purchase for around £30 and his Money Pearl of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Bobby can be found at www.bobbywhite.com • Insta @Bobbywhite • Find Bobby's You Tube channel here - https://www.youtube.com/c/BobbyWhite/ If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/RuthSturkey/ • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to Holly Ryan who shares her journey of loss, courage and a determination to be entirely herself. She tells me how she fulfilled her greatest life ambition of motherhood as a single woman using a donor and the fertility treatment roller coaster ride, both emotionally and financially. And how, when denied the right to work from home 1 day a week, she ‘got out of her own way', quit her job and, with a pocketful of ambition, began her own TV agency as a brand new Mum and businesswoman. Finally, Holly shares best money purchases for around £30 and her Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Holly can be found at the In Crowd Agency here -http://www.incrowdagency.com/ If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/RuthSturkey/ • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to Chris Budd who shares his journey of personal discovery, selling his financial planning business to its employees and how a random tweet led him to found the Initiative for Financial Wellbeing (IFW). Chris is a man of many talents; business founder, author, speaker, podcaster, coach, musician and force behind the IFW. He generously shares the events that shaped his life, made him ‘moderately successful' and led him to understand that life is not about accumulating money, it's about finding what truly makes you happy and using money, which is often less than we think, to support that end. Chris is on a mission to equip more financial advisers, planners and coaches to support their clients to find their true meaning and happiness. Finally, Chris shares his best money purchase for around £30 and his two Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Chris can be found on LinkedIn here- https://www.linkedin.com/in/chris-budd-80b75413/ • Find out more about the Initiative for Financial Wellbeing here - https://initiativeforfinancialwellbeing.org.uk/ • Buy Chris' book ‘The Financial Wellbeing Book' here - https://shop.pennybrohn.org.uk/products/the-financial-wellbeing-book with all proceeds going to the Penny Brohn UK Cancer charity • You can find The Book of Joy by the Dalai Lama and Desmond Tutu here - https://uk.bookshop.org/books/the-book-of-joy-the-sunday-times-bestseller/9781786330444 If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/RuthSturkey/ • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to Patrick Hunt, a perfect guest for Money Espresso as the creator and designer of the Rok Hand Press Espresso machine, with a fascination for coffee, people and money. Patrick is a product designer with a passion for beauty and sustainability. It was such a treat to speak with someone who makes things! We cover a whole array of topics in our chat ranging from making the perfect espresso, helping his children understand money by watching It's a Wonderful Life, breaking the ‘Gold Standard', crypto, what it means to feel rich, the challenges of running a small business post BREXIT and Covid, how we need a ‘bottom up' approach to decarbonising our lives, the concept of ‘give and take' and the satisfaction of repairing things to travel with you on life's journey. Finally, Patrick shares his best money purchase for around £30 and his Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Patrick can be found at Rok Coffee here - https://www.rok.coffee/ or on Instagram @rok.coffee If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/RuthSturkey/ • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to an incredibly inspiring woman, serial entrepreneur, author, TED X speaker and founder of Leaders Quest and Co Leader of Future Stewards, Lindsay Levin. Lindsay tells me how she combined her fascination with people, leadership and travel, with a burning desire to use her business skills to help businesses do and be better, to create the not-for-profit Leaders Quest. Lindsay has sat with prisoners on death row, worked with community leaders in the slums of Mumbai and brokered talks between Israelis and Palestinians. She eloquently describes our shared humanity. She has seen at first hand the impact of climate change inspiring her to co-lead the launch of Future Leaders alongside Christiana Figueres after the Paris Climate Agreement in 2016. In this role she spearheaded the launch of TED Countdown a global partnership to accelerate solutions to the climate crisis. If you are looking to be inspired, this is the episode for you. Finally, in a relevant twist on my normal closing questions, Lindsay shares her best non money purchases for around £30 and her Climate Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Lindsay can be found on LinkedIn here - https://www.linkedin.com/in/lindsaylevin/ or at Leaders Quest here - https://leadersquest.org/who-we-are/people/lindsay-levin/ • Find out more about Countdown2022 - https://countdown.ted.com/ • Watch Lindsay's powerful TEDx talk here - https://www.tedxexeter.com/speakers/lindsay-levin/ If you would like to talk about your money matters do feel free to contact me on: • Twitter - twitter.com/RuthSturkey/ • LinkedIn - http://www.linkedin.com/in/ruthsturkey/

Davey was part of the Premiership winning team Exeter Chiefs in 2016 before finishing his playing career at Harlequins. Davey tells me about the grit, determination and hard work that led to his professional career, the thrill of looking up from the scrum to see Jonny Wilkinson, the importance of family and his foresight to plan for a career in financial planning before his first career ended. Finally, Davey shares his best money purchase for around £30 and his Money Pearl of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Davey can be found on LinkedIn here - https://www.linkedin.com/in/davelewisfinancialplanner/ If you would like to talk about your money matters do feel free to contact me at: • Twitter - twitter.com/RuthSturkey • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to George Kinder who shares his journey to becoming an international thought leader, ‘the Father of Life Planning' and his vision of a Golden Civilisation. Early in George's career he recognised that his client's had unfulfilled dreams and longings. So he crafted his famous ‘3 Questions' to inspire and deliver people into the life they were meant to live and travelled the world to teach financial planners how to do the same. Author of 7 books, including 3 on money and 2 on poetry and photography, be prepared to put your preconceptions of financial advice aside and learn how it can and should be done. And for those already familiar with the 3 Questions, listen out for George's answer to the third. Finally, George shares his best money purchase for a sum we can all afford and his Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • George can be found on LinkedIn here - https://www.linkedin.com/in/george-d-kinder-0749196/ • Register for George's book ‘Reflections on Spectacle Pond' at www.GeorgeKinder.com • Find out more about The Kinder Institute of Life Planning here - https://www.kinderinstitute.com/ If you would like to talk about your money matters do feel free to contact me at: • Twitter - twitter.com/RuthSturkey • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to Clare Fielding who eloquently and sensitively explains her journey to co-found and become, we believe, the first trans woman Managing Partner of a City law firm. Clare, the newly appointed Managing Partner of Town Legal, generously shares her story of acceptance that nature had misplaced her gender and how she became the person she was born to be. She tells us about her dream to have her own business and how the stars aligned to make that so and the dynamic and fresh, coaching led law firm she and her colleagues are creating. And why empathy and compassion wins the day. Finally, Clare shares her best money purchase for around £30 and her Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Clare can be found on LinkedIn here - https://www.linkedin.com/in/clare-fielding-67a0685/ or at Town Legal here - https://www.townlegal.com/ If you would like to talk about your money matters do feel free to contact me at: • Twitter: https://twitter.com/RuthSturkey • LinkedIn: https://www.linkedin.com/in/ruthsturkey/

Sue Baker, OBE, mental health campaigner and founder of Mind's Time to Change ground breaking movement, shares her journey of public service and surviving a terminal cancer prognosis on the same day as, after 8 years of trying, her partner was told she was finally pregnant. Sue talks frankly about her values and how she navigated treatment for terminal cancer whilst she and her partner prepared for the birth of their first child. She tells us why she returned to work after her treatment and how she now lives life through a shortened lens. She speaks about the challenges of stepping away from a monthly salary to set up her own global mental health consultancy, Changing Minds Globally, and what real success looks like for her. Finally, Sue shares her 2 best money purchases for around £30, her Money Pearls of Wisdom and vital advice for anyone suffering with mental health issues related to money. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Sue can be found on LinkedIn here - https://www.linkedin.com/in/sue-baker-obe-3329061ba/ or on Twitter @suebakerTTC Find out more about ‘Mental Health and Money Advice' here - https://www.mentalhealthandmoneyadvice.org/en/ If you would like to talk about your money matters do feel free to contact me at: • Twitter @RuthSturkey • Linked In @RuthSturkey

Welcome to the final episode of Series One of Money Espresso and it's a Christmas Bonus Episode! Now if you're anything like me you leave your Christmas present buying until well into December, not quite last minute but about ‘ten to' the Christmas hour. Fortunately for you and me this bonus episode is focussed on what has turned into one of the favourite bits of Money Espresso, the ‘Best Buys' for under £30, ish. It turns out that my guests purchases fall into a few general categories; exercise and play, eating, drinking, grooming and gadgets. Not sure what that says about my choice of guests or their Best Buys! Some have been super useful. Many surprising and some have just made me laugh out loud. Pour yourself a cup of coffee, sit back and enjoy these super useful last minute Christmas Present ideas. Merry Christmas! If you would like to talk about your money matters do feel free to contact me at: • twitter.com/ruthSturkey • linkedin.com/in/ruthsturkey/

As we draw our first series to a close, welcome to the second Bonus episode of Money Espresso. I have spoken to a fabulous bunch of guests from all walks and stages of life. The one thing they all had in common was their generosity to share their personal stories and wisdom. These two bonus shows shine a light on some of the key messages and learnings from those conversations. The first one looked at debt, planning, budgeting, saving, investing and giving. This second episode focuses on some of the more profound and philosophical conversations I had with my guests around money and life.

As we draw our first series of Money Espresso to a close I have been reflecting on the broad array of amazing guests that have joined me for our 16 episodes. I've had tremendous guests from all walks of life representing a huge amount of diversity whether that be ages, professions, gender, ethnicity and of course experiences all who have generously shared their learnings and wisdom with me. My next two episodes shine a light on some of the key messages and learnings that we can all take from them.

In this episode I chat with Stephanie Brobbey. A Londoner, born to Ghanian parents, Stephanie recently gave up an offer of Partnership in a law firm to found The Good Ancestor Movement. Stephanie speaks about her upbringing in Shepherds Bush where money was tight and her early exposure to those with less. She explains how she managed her own experience of money scarcity and how coaching and therapy have helped her step away from a burgeoning career in law to live in alignment with her values to achieve a purposeful life. We explore how her views on philanthropy have evolved as she delved deeper into the issues of wealth, social justice, inequality and climate change and her dream of a world where philanthropy no longer needs to exist. She introduces us to The Good Ancestor Movement which exists to help the very wealthy decide on their financial ‘ceiling' and to develop strategies to radically redistribute wealth which are both reparative and regenerative. Finally, Stephanie tells me about her Best Buy under £30 and a truly thought provoking Money Pearl of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Stephanie can be found on LinkedIn here - https://www.linkedin.com/in/stephanie-brobbey-01a07416/ • And Twitter - https://twitter.com/steph_brobbey If you would like to talk about your money matters do feel free to contact me at: • Twitter - twitter.com/RuthSturkey • LinkedIn - www.linkedin.com/in/ruthsturkey/

In this episode I chat to Emmanuel Gobillot who shares his journey from a ‘railway estate' in Burgundy to becoming one of Europe's most sought after Key Note Speakers, author and consultant in Leadership and Collaboration Emmanuel talks about luck and the teacher who spotted his talent which changed the trajectory of his life. We speak about status signalling, how using an Incentive Scheme to teach his daughter about the value of money backfired and why money is not the best way to motivate people. We ask why so few people have mature conversations around money and conclude that all change starts with a conversation. Finally, Emmanuel shares his best money purchase for around £30 and his Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Emmanuel can be found at https://www.emmanuelgobillot.com/ • Watch Emmanuel in speaking - https://bit.ly/3ASSdcR If you would like to talk about your money matters do feel free to contact me at: • Twitter - https://twitter.com/RuthSturkey • LinkedIn - https://www.linkedin.com/in/ruthsturkey/

In this episode I chat to William about his life and money journey in an episode that is ram packed with wisdom. William is the co-founder of Paradigm Norton, as well as being a Chartered Accountant and Chartered and Certified Financial Planner. His qualifications and life experience, make him a great Client Relationship Manager and Board Director for Paradigm Norton. William talks about the excitement of setting up a new business alongside the tough financial practicalities. He explains his relationship with money and hard work and imparts some practical thinking around educating his teenage daughters about money in preparation for University and life. He speaks about finding balance in his family's money life, being a ‘liberated spender' and why for many money remains a taboo subject. Finally, William shares his thoughts on how he would change the UK tax system, his best money purchase for around £30 and his Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • William can be found on Linkedin here - https://www.linkedin.com/in/william-pratt-b7680017/ or at Paradigm Norton here - https://www.paradigmnorton.co.uk/meet-the-team/william-pratt If you would like to talk about your money matters do feel free to contact me at: • Twitter - https://twitter.com/RuthSturkey • LinkedIn - https://www.linkedin.com/in/ruthsturkey/

In this episode I chat to Tina Kothari. Tina came to England as a small baby. She tells her story from getting a Philosophy Degree, to commerce and banking, to becoming a counsellor and trainer working with people with addiction and eating disorders in Europe and the USA, before working with executives at Blue Chip companies. She explains how her life experiences fired her passion for Human Rights. She has combined this passion with her love of film to launch Another Way Now, an organisation dedicated to shining a light on human rights abuses, changing conversations, and bringing action, to what is happening in the world. Tina shares her experience of the power of stories to motivate and educate. We speak about the difference between money and currency and why money is such a cause of angst in relationships. She explains the three principles that guide her spending on her (adult) children. She finishes off with her best money purchase for around £30 and her Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Tina can be found at Another Way Now - https://www.anotherwaynow.org/team or on Instagram @anotherwaynow

Tommy talks about life growing up as the son of a professional footballer and his early money and life lessons. We talk about his career in finance, both in the UK and Singapore, before becoming a Client Manager and Co-Leader of the London Team for Paradigm Norton. Tommy tells us about falling out of, and back in, love with Financial Planning. He shares the wisdom he learned from his upbringing around money, the importance of stability and the simple pleasures in life. We learn about how he and his wife are planning their financial future, managing expenditure drift and we debate the meaning of ‘enough'. Finally, Tommy shares his best money purchase for around £30 (and the bittersweet experience of being an Evertonian!) and his Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • You can find Tommy at Paradigm Norton here- https://www.paradigmnorton.co.uk/meet-the-team/tommy-watson and on Twitter at @tommywatsonFPFS If you would like to talk about your money matters do feel free to contact me at: • Twitter @RuthSturkey • LinkedIn @RuthSturkey

In this episode I chat to Mark Cuddigan who shares his journey from tennis coach and DJ to CEO of Ella's Kitchen and his passion for using business as a force for good. Mark joined Ella's Kitchen in 2011, drawn to a company whose founding mission is to improve children's lives through developing healthy relationships with food. This purpose permeates the business to this day. We talk about BCorps and the role that business, not just government, can and should stand for to change our world for the better. How doing the right thing and treating people well ultimately creates and builds a better and more successful business. We speak about how Mark is helping his children understand what fulfilment means and his most successful investment that has nothing to do with money. Finally, Mark shares his best money purchase for around £30 and his Money Pearls of Wisdom, one of which might literally just change the world for the better for all of us. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • Mark can be found at Linked In here and Twitter @CuddiganMark • Find out more about Ella's Kitchen here https://www.ellaskitchen.co.uk/ • Learn more about BCorps here https://bcorporation.net/ If you would like to talk about your money matters do feel free to contact me at: • Twitter @RuthSturkey • LinkedIn @RuthSturkey Or • Find out about the great work my colleagues at Paradigm Norton are up to by visiting the website here www.paradigmnorton.co.uk

Genevieve talks about winning the Women's Rugby World cup in 1994 and the challenge of playing amateur sport at the highest level whilst building a career. She speaks about her rise to Chief Information Officer at Pearson Plc in a time when there were few female FTSE 100 Directors. She shares her wisdom around people management, how small breaks can ‘lift' the trajectory of a life, the importance of mentors, the ‘generosity gene', the madness of the corporate world and working out what is ‘enough'. Fast forward to now when she lives in the Highlands running her property and food and wine business and holds a number of Non Executive Director roles, including the Rugby Football Union (RFU). Finally, Genevieve shares her best money purchase for around £30 and her Money Pearls of Wisdom and asks how we can ease the fear of ageing and loneliness. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. • You can find Genevieve on Twitter at @GenevieveShore or learn more about her businesses on Instagram @dornochstores and @thedornochcollection.com If you would like to talk about your money matters do feel free to contact me at: • Twitter @RuthSturkey • LinkedIn @RuthSturkey Or • Find out about the great work my colleagues at Paradigm Norton are up to by visiting the website here: www.paradigmnorton.co.uk

In this episode I chat to Martin Ruskin. Martin is a Client Director at Paradigm Norton and Board Member of the Chartered Institute of Securities & Investments (CISI). Why am I chatting to one of my colleagues at Paradigm Norton? Well, if I am expecting our guests to share their money stories and wisdom, it's only right that we ask one of the Client Directors of our sponsor to do so too! In this open and honest conversation Martin shares glimpses into his early money memories, his business journey and his time as a Pastor. Martin corrects the oft misquoted ‘money is the root of all evil' verse as we explore the relationship between money and religion. We also discuss the cost and potential burden of school fees and the importance of seeking help when the best-laid plans get sidelined. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Martin can be found at Paradigm Norton or on LinkedIn here: https://www.linkedin.com/in/martin-ruskin-cfp-96258019/ If you would like to talk about your money matters do feel free to contact me at: Twitter @RuthSturkey Or Find out about the great work my colleagues at Paradigm Norton are up to by visiting the website www.paradigmnorton.co.uk

In this episode I chat to Holly Mackay, finance and investment expert, and founder and Managing Director of Boring Money. She talks about her mission to democratise finance and the opportunity costs of being an entrepreneur and mother to two young children. Our conversation covers her love for language and desire to banish financial gobbledygook. The sacrifices of an entrepreneur. How covid has been a ‘feast or famine' for many. Her crush on Mark Carney and the risk of not thinking sustainably when investing. And we philosophise around the purpose of money, what really matters and how emotions trump rational thinking when making lifestyle decisions. Finally Holly shares her best money purchase for around £30 (or in Holly's case a tad more!) and her Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Holly can be found on LinkedIn here - https://www.linkedin.com/in/holly-mackay-independent-investment-expert-9044524/ If you would like to talk about your money matters do feel free to contact me at: • Twitter - twitter.com/RuthSturkey • LinkedIn - www.linkedin.com/in/ruthsturkey

In this episode I chat to William Adoasi about his journey from a council estate in South London to founding the innovative watch brand, Vitae London, a brand which is sold in over 30 countries, endorsed by celebrities worldwide with a mission to ‘remove as many barriers to education as humanely possible' William is a British-Ghanaian entrepreneur, TEDx speaker, philanthropist, role model and fashion designer who is the founder and CEO of Vitae London. William speaks about his scholarship to a Boarding School where he became aware of difference and inequality, and the power of exposure and awareness. He talks about the opportunity in struggle and the importance of mindset and role models in achieving personal possibility. He speaks of his experience of overly identifying with money which served as his springboard to find a higher purpose in work. Listen out for his story of meeting and dining with Prince Charles and being mentored by Richard Branson. Finally, William shares his best money purchase for around £30 and his Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. •William can be found on Twitter & Instagram @WilliamAdoasi •Find out more about Vitae London @VitaeLondon on Twitter and Instagram If you would like to talk about your money matters do feel free to contact me at: • Twitter - twitter.com/RuthSturkey • LinkedIn - www.linkedin.com/in/ruthsturkey

In this episode I chat to Sarah Lord who shares her journey from a Medical Biochemistry degree, to Financial Planner, to President of the Personal Finance Society (PFS) via the Middle East! Sarah found financial services and financial planning soon after leaving University where she quickly saw the good that money, well managed, can do. Her experience has included working for an insurance company, a small IFA, an Investment Manager, an accountancy practice and latterly a national financial services ‘consolidator'. All of which provided a solid grounding for her current Presidency role. We discuss Sarah's passion for Financial Planning and to improve the public's confidence around money; the lessons she learned from her parents; juggling work, children and family commitments; educating her children around the value of money and the yin and yang of married life. Finally Sarah shares her best money purchase for around £30 and her Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Sarah can be found on LinkedIn here - https://www.linkedin.com/in/sarahlord/ or at The Personal Finance Society - https://www.thepfs.org/about-us/governance/meet-the-board/sarah-lord-biography/ Find out more about Go Henry and educating children around money here - https://www.gohenry.com/uk/ If you would like to talk about your money matters do feel free to contact me at: • Twitter - https://twitter.com/RuthSturkey • LinkedIn - https://www.linkedin.com/in/ruthsturkey

In this episode I chat to Carl Richards, a Certified Financial Planner, international keynote speaker and thought leader. Carl simplifies the complex using sketches and stories. His Sketch Guy column has appeared weekly in the New York Times for the past 10 years. In this thought-provoking conversation Carl explains why money is not just about spreadsheets and ‘math', it's about feelings and emotions. How we spend our money is not just fact, it tells a story of our life and values. He speaks about the scarcity of money growing up, the importance of recognising the ‘rat race' and making sure the race we each run is the one that represents our own truths and values. Finally, Carl shares his best money purchase for around £30 and his Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Carl can be found on Linked - https://www.linkedin.com/in/thinkingcarl/ or Twitter @behaviorgap Check out his website, Behavior Gap (https://behaviorgap.com/)and sign up to his weekly letter You can find his book, The One Page Financial Plan here - https://www.amazon.co.uk/One-Page-Financial-Plan-Simple-Smart/dp/1591847559 If you would like to talk about your money matters do feel free to contact me on: Twitter - https://twitter.com/ruthsturkey LinkedIn - https://www.linkedin.com/in/ruthsturkey/

In this episode I chat to Paula Higgleton who shares her inspiring career journey, her people management success and money and life wisdom. Paula left school at 16 to a job in the VAT office in Southend, where she grew up. A discerning manager noticed her talent and encouraged her to join the Civil Service Day Release scheme to study for a BTEC in Business Studies. From there she joined the Inland Revenue in the then newly formed Self-Assessment team. Her desire to learn more took her to a local accountancy practice where she started her professional qualifications, then to a mid-tier firm before being approached by PWC (then Coopers and Lybrand) and five years later Deloitte where she rose from Partner to Senior Partner and Vice Chair before she retired in May 2020. We discuss the hard work principles she learned from her parents, her money values, how to have a good night out on a fiver, how she has helped ultra-wealthy families deal with tax and legacy, embracing retirement, her passion for education and social mobility and desire to visit as many countries in the word as possible. At the end of our conversation Paula shares her guilty money secret and her Money Pearls of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Paula can be found on LinkedIn here - https://www.linkedin.com/in/paula-higgleton-6425a610

In this episode I chat to Tim Hale, Founder and Managing Director of Albion Strategic Consulting to learn why an active fund manager came to see a better way to invest. Tim started life in Corporate Banking in Hong Kong where he witnessed the drive and urgency money can bring. After achieving an MBA from Cranfield School of management Tim moved into the investment world working for Chase Asset Management, now part of JP Morgan. It was during this time that Tim noticed the randomness of investment outcomes and saw the real prize was the capture of investment market returns, not beating the market. This, and Tim's realisation that he had little desire for more material possessions caused him to leave investment management. He set up Albion to use his experience and knowledge to help investors make better decisions and get better outcomes. We discuss damaging money behaviours, Jack Bogle, the zero sum game and the belief that paying more must lead to better investment outcomes. Tim shares his personal money habits, his spending choices and he calls out the psychology deployed by supermarkets to influence our buying decisions. At the end of our conversation Tim shares his guilty money secret and his Money Pearl of Wisdom. Albion Consulting is Paradigm Norton's external investment consultants. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Tim can be found on Linked - https://www.linkedin.com/in/tim-hale-4b67ba24/ Find out more about Albion Strategic Consulting - https://www.albionstrategic.com/ Learn more about Tim's book ‘Smarter Investing; Simpler Decisions for Better Results - https://www.amazon.co.uk/Smarter-Investing-Simpler-Decisions-Financial/dp/0273785370 If you would like to talk about your money matters do feel free to contact me on Twitter - https://twitter.com/ruthsturkey

In this episode I chat to Michelle Cracknell, CBE. After studying Civil Engineering at Imperial College Michelle pursued a career in finance training as an actuary before becoming a Director at a number of financial advice firms, providers and an insurance company. She was CEO of The Pensions Advisory Service from 2013 to 2018 and was awarded a CBE by the Queen in June 2019 for her services to the pensions industry. Michelle now holds several NEDs and is working on a Start Up. We talk about the good money habits Michelle learned from her father, and the privilege and sense of achievement that comes from building and re-engineering people's money, career and business lives. We discuss why pensions have a poor reputation and Michelle generously shares the struggles she has faced in her career and the pride and joy of being awarded a CBE. At the end of our conversation Michelle shares her guilty money secret and her Money Pearl of Wisdom. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Michelle can be found on Linked here - https://www.linkedin.com/in/michelle-cracknell-33a11a5/ If you would like to talk about your money matters do feel free to contact me on Twitter twitter.com/ruthsturkey

In this episode I chat to Barry Horner. Barry is Co Founder and CEO at Paradigm Norton. He is a thought leader within the financial planning profession and is a regular speaker at financial planning conferences and events both in the UK and overseas. Why am I chatting to one of my colleagues at Paradigm Norton? Well, if I am expecting our guests to share their money stories and wisdom, it's only right that we ask the CEO of our sponsor too! We talk about the money taboo that existed in Barry's family growing up and how Barry has sought to overcome this with his 3 (now adult) boys. We talk about money as an energy, roles in a marriage, charitable giving , experiences vs stuff, people who have influenced Barry along the way and legacy. At the end of our conversation Barry shares a piece of money wisdom around living life intentionally. Sit back, grab yourself an espresso (or drink of your choice!) and enjoy the conversation. Barry can be found at Paradigm Norton https://www.paradigmnorton.co.uk/meet-the-team/barry-horner If you would like to talk about your money matters do feel free to contact me on Twitter https://twitter.com/ruthsturkey