The Wealth Conversation

In this week's episode, I'm joined by Selena Flavius, founder of Black Girl Finance, to discuss the ethnicity and gender pay gaps and how these issues impact women of colour. We dive into financial literacy, the importance of confidence in money management, and why advocating for fair pay is critical. Selena also shares her journey from late saver to finance coach and the inspiration behind her annual Black Girl Finance Festival, which empowers women with financial education and community support. Key Themes: Ethnicity pay gap and its financial impact Building confidence in money management Recognising your worth and advocating for fair pay Normalising financial conversations in everyday life The role of financial literacy in wealth-building Resources: Work with Tsitsi and follow The Wealth Conversation: Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Connect with Selena Flavius: Black Girl Finance: https://blackgirlfinance.co.uk/ Instagram: https://www.instagram.com/blackgirlfinanceuk/?hl=en

Welcome back to The Wealth Conversation! In this episode, Selina Falvius (Black Girl Finance founder) and I tackle the ethnicity pay gap and explore how it impacts women/people of colour in the workplace. We uncover the hidden costs of this pay gap, and how it hinders wealth-building, financial security, and retirement planning. Tune in as we discuss ways to close the gap, advocate for equal pay, and build wealth despite these financial challenges! Key Themes: Understanding the ethnicity pay gap and its consequences... How to build financial security despite wage inequality! The power of advocating for equal pay Challenges faced by women of colour in wealth-building How to plan for retirement when facing pay gaps Resources: Black Girl Finance Website: https://blackgirlfinance.co.uk/ Black Girl Finance Instagram: https://www.instagram.com/blackgirlfinanceuk/?hl=en Book an hour finance session with me: https://programs.thewealthconversation.com/power-hour Connect with me on LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Join our community on Facebook: https://www.facebook.com/thewealthconversation Follow us on Instagram: https://www.instagram.com/thewealthconversation/

In this episode, I'm joined by Antoinette Oguntonade, co-founder of BrickzwithTipz, to uncover the truth about property ownership. We debunk common myths, discuss the long-term benefits of owning property, and explore how collaboration can help you get on the property ladder. We also touch on the pressures of being a breadwinner and the importance of women leveraging their skills to build wealth. If you're ready to challenge what you think you know about property, this episode is for you! Key Themes: • Debunking myths about property ownership. • Long-term financial benefits of owning property. • Collaboration in property investment. • The role of women in wealth building. • The impact of multiple income streams. Resources: Book an hour finance session with Tsitsi: ⁠https://programs.thewealthconversation.com/power-hour⁠ LinkedIn: ⁠https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/⁠ Facebook: ⁠https://www.facebook.com/thewealthconversation ⁠Instagram: ⁠https://www.instagram.com/thewealthconversation/⁠ Guest Resources: BrickzWithTipz Website: https://brickzwithtipz.com/ Instagram: https://www.instagram.com/brickzwithtipz/

In this episode, I chat with Antoinette Oguntonade, co-founder of BrickzwithTipz, about the power of property ownership as a wealth-building tool! We discuss common misconceptions about property ownership, the long-term benefits, and how it can provide financial freedom and security for future generations. Antoinette also shares her personal journey and the importance of women contributing to family wealth, breaking traditional gender roles. Tune in! Key Themes: Property ownership as a wealth-building tool Debunking common myths about owning property Collaboration to get on the property ladder Long-term financial benefits of property ownership Women's role in wealth creation and family support Resources: Work with Tsitsi and follow The Wealth Conversation: Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Guest Resources: BrickzWithTipz Website: https://brickzwithtipz.com/ Instagram: https://www.instagram.com/brickzwithtipz/

In this episode, I sit down with Benedicta Egbeme, founder of BeniRatio Finances, to discuss the crucial importance of separating personal and business finances! We dive into practical tips for managing your finances, avoiding tax issues, and the mindset shifts needed to treat your business as a separate entity. Benedicta shares strategies for tax planning, maximising profits, and protecting your wealth for future generations. Key Themes: Importance of separating personal and business finances Setting up and managing a business bank account Planning and preparing for taxes effectively Understanding tax brackets, contributions, and corporation tax Protecting and transferring generational wealth Resources: Work with Tsitsi and follow The Wealth Conversation: Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Guest Resources: Finance, Tax Education Courses: https://stan.store/BeniRatio Business Finance and Accountancy Services: https://www.beniratiofinances.com/services-1 Instagram: https://www.instagram.com/beniratiofinances/?hl=en

In this episode, we dive into the key taxes to be aware of whether you're employed, self-employed, or running a business. We also explore strategies for managing taxes efficiently, ensuring you're maximising your income and reinvesting smartly into your business! Understanding income tax and National Insurance (NI) contributions. Tax considerations for the self-employed. Corporation tax and how it applies to business profits. Strategies for reducing your tax bill as a business owner. The importance of reinvesting in your business. Work with Tsitsi and follow The Wealth Conversation: Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Guest Resources Finance, Tax Education Courses: https://stan.store/BeniRatio Business Finance and Accountancy Services: https://www.beniratiofinances.com/services-1 Instagram: https://www.instagram.com/beniratiofinances/?hl=en #PersonalFinance #TaxPlanning #SmallBusiness #WealthManagement #FinancialEducation

In this episode of The Wealth Conversation, Norma Cassius and I delve into financial anxiety and mental wellbeing! Norma, a seasoned money management and mental health consultant, shares her personal journey and the vital role of effective money management. We explore the psychological impact of the cost of living crisis, emphasising the need for financial education and understanding one's relationship with money. Tune in to discover practical strategies for reducing financial stress and learn how addressing mental health can transform your financial life! Key Themes Discussed: Essential money management practices for reducing anxiety The impact of the cost of living crisis on all income levels The importance of understanding and revering money Addressing mental health as a first step in financial management Significant transformations through financial awareness and control Resources: Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Additional Resources: Norma Cassius: https://www.normacassius.com/ Norma Cassius (Instagram): https://www.instagram.com/think.like.a.bank/ Breathing Space: https://www.gov.uk/options-for-dealing-with-your-debts/breathing-space National DebtLine: https://nationaldebtline.org/ Step Change: https://www.stepchange.org/ Christians Against Poverty: https://capuk.org/

In this episode, we delve into the widespread financial anxiety caused by the current cost of living crisis. From the impact on daily expenses to the psychological toll on different socioeconomic groups, we explore strategies for resilience and resourcefulness in challenging times. Key Themes: - Impact of cost of living on mental health - Strategies for financial resilience - Emotional effects across socioeconomic groups - Importance of financial empowerment - Community support and resourcefulness Resources: Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/

In this episode, I discuss the critical importance of having a will, the potential complications that can arise without one, and how to ensure your assets and loved ones are protected! We'll explore why creating a will is an essential step in financial planning, how it helps prevent family disputes, and the best practices for maintaining an up-to-date will. Key Themes: - Importance of having a will - Avoiding family disputes - Choosing executors and trustees - Reviewing and updating your will - Misconceptions about wills Resources: - Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour - LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ - Facebook: https://www.facebook.com/thewealthconversation - Instagram: https://www.instagram.com/thewealthconversation/

In this episode, I delve into common issues that arise with wills and how to avoid disputes through proper communication and regular updates. From blended family complexities to the importance of ensuring your will reflects your current wishes, I cover key factors that can lead to will contests and legal challenges! Learn why regular review and updating of your will is crucial to prevent misunderstandings and ensure your assets are distributed according to your intentions. Key Themes: - Importance of Communication in Estate Planning - Challenges in Blended Family Scenarios - Contesting a Will: Common Reasons - Ensuring Wills Reflect Current Wishes - Importance of Regular Will Reviews Work with Tsitsi and follow The Wealth Conversation: - Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour - LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ - Facebook: https://www.facebook.com/thewealthconversation - Instagram: https://www.instagram.com/thewealthconversation/

In this episode of "The Wealth Conversation," I delve into the crucial yet often overlooked topic of power of attorney. Exploring scenarios from health crises to unexpected life events, I emphasize the importance of preparing for the unexpected by appointing trusted individuals to manage your affairs when you cannot! Key Themes: - Importance of preparing for unexpected health crises. - Types and significance of power of attorney. - Choosing trustworthy individuals as attorneys. - Practical scenarios where power of attorney is essential. - Addressing common misconceptions and legal considerations. Work with Tsitsi and follow The Wealth Conversation: Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/

In this episode of The Wealth Conversation, I delve into the importance of having a Power of Attorney, highlighting scenarios where it becomes crucial, such as loss of mental capacity or unexpected accidents. Tune in to understand why everyone, regardless of age, should consider setting one up! Key Themes: - The definition and purpose of a Power of Attorney - Common scenarios requiring a Power of Attorney, such as dementia or Alzheimer's - The importance for younger individuals to consider Power of Attorney - Real-life examples of financial challenges faced without a Power of Attorney - Practical advice on choosing a trustworthy Attorney Work with Tsitsi and follow The Wealth Conversation: - Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour - LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ - Facebook: https://www.facebook.com/thewealthconversation - Instagram: https://www.instagram.com/thewealthconversation/

In today's episode my guest Funmi Olufunwa and I discuss financial education and literacy and how CRUCIAL they are for individuals to make informed decisions about their financial well-being and achieve their financial goals. We also speak about the unique challenges women face when it comes to managing their finances and highlight the importance of educating women about their financial options and encourage them to take a more proactive approach to investing in the future. Key Discussion Points: - Financial literacy and education need to start from a young age! - It is important to talk about money and create a safe space for people to share their experiences. - Why Job transparency is important! - Financial literacy and planning for women. Work with Tsitsi and follow The Wealth Conversation: - Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour - LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ The 100-Year Life: Living and Working in an Age of Longevity - https://amzn.eu/d/4PY821o - Gov.uk website: https://www.gov.uk/ - The Money Helper website: https://www.moneyhelper.org.uk/en - Facebook: https://www.facebook.com/thewealthconversation - Instagram: https://www.instagram.com/thewealthconversation/ Guest Links: - Funmi Olufunwa's Linkedin: https://www.linkedin.com/in/funmi-olufunwa-hoops-finance/ - Funmi's Instagram: @hoops_finance - Email: Hello@hoopsfinance.com

Welcome to The Wealth Conversation, the podcast transforming intimidating money talk into empowering financial discussions. Hosted by Tsitsi Muititi, a seasoned investment manager with over 16 years in the wealth management industry and founder of The Wealth Conversation, this podcast is designed for anyone seeking confidence and clarity in their wealth-building journey. Whether you are striving for multi-generational wealth, or you are striving to manage your daily finances better, this podcast is for you. Each week, Tsitsi will explore a new wealth conversation, offering practical tips to make your money work for you! Subscribe now on your favourite podcast platform and start your wealth conversation today! Work with Tsitsi and follow The Wealth Conversation: - Book an hour finance session with Tsitsi: https://programs.thewealthconversation.com/power-hour - LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ - Facebook: https://www.facebook.com/thewealthconversation - Instagram: https://www.instagram.com/thewealthconversation/

In this episode, we delve into the MAJOR importance of financial literacy and education. We explore income tax, National Insurance contributions and highlight the benefits of employer schemes like pensions. Key Points: Start financial education with an understanding of income and taxes. Recognise the distinction between income tax and National Insurance contributions. Knowing your tax bracket aids in financial planning. Explore employer benefits like pensions for long-term financial security. Utilise workplace pensions for employer contributions and tax benefits. Resources: Book a Power Hour: https://programs.thewealthconversation.com/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ The 100-Year Life: Living and Working in an Age of Longevity - https://amzn.eu/d/4PY821o Gov.uk website: https://www.gov.uk/ The Money Helper website: https://www.moneyhelper.org.uk/en Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Guest Links: Funmi Olufunwa's Linkedin: https://www.linkedin.com/in/funmi-olufunwa-hoops-finance/ Funmi's Instagram: https://www.instagram.com/hoops_finance/ Email: Hello@hoopsfinance.com HM Revenue & Customs (HMRC) National Insurance Contributions Calculator

Welcome back to the Wealth Conversation Podcast! In this episode, Tiritoga Gambe, Senior Manager at Holborn International, joins me to discuss tax-efficient international investing and the importance of understanding individual clients' needs. We delve into the psychology of commitment in wealth creation, emphasising the need for a strong, intrinsic goal to stay motivated amid challenges. Tiri shares tips, including celebrating small wins, educating children about money, and investing in self-growth. Key Topics: - How does your cultural and local background affect your investment habits? - The need to commit to your financial investment. Saving and investing in order to plan growth for the future Work with Tsitsi and follow The Wealth Conversation: - Book a Power Hour Session: https://programs.thewealthconversation.com/power-hour - LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ - Facebook: https://www.facebook.com/thewealthconversation - Instagram: https://www.instagram.com/thewealthconversation/ Guest Links: - Tiri's LinkedIn: https://www.linkedin.com/in/tirigambe/?originalSubdomain=ca - Tiri's Instagram: https://www.instagram.com/tirigambe/?igsh=Zjd5NGM0NnRsY2lt - Tiri's Tiktok: https://www.tiktok.com/@tirigambe87

In today's wealth conversation, Tiri and I discuss the importance of understanding one's 'why' in staying committed to financial goals. We emphasise the need for small wins, consistent discipline, and the role of legacy and incorporating your children in the investment journey. I highlight the significance of knowing one's true intrinsic goal, while Tiri stresses the importance of being realistic about what can be achieved in the given timeframe. Key Discussion Points: - Understanding your "why" for staying committed to financial goals - The importance of teaching children about money management - Setting realistic goals, knowing your "why," and staying committed. - Saving money, facing setbacks, and reframing your goal to prioritise your own needs first. Work with Tsitsi and follow The Wealth Conversation: - Book a Power Hour: https://programs.thewealthconversation.com/power-hour - LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ - Facebook: https://www.facebook.com/thewealthconversation - Instagram: https://www.instagram.com/thewealthconversation/ Guest Links: - Tiri's LinkedIn: https://www.linkedin.com/in/tirigambe/?originalSubdomain=ca - Tiri's Instagram: https://www.instagram.com/tirigambe/?igsh=Zjd5NGM0NnRsY2lt - Tiri's Tiktok: https://www.tiktok.com/@tirigambe87

Welcome back to the Wealth Conversation with your host, Tsitsi Mutiti, a seasoned investment manager and financial coach on a mission to empower women from underrepresented communities in their wealth journey! Join us as we delve into the holistic aspects of wealth creation, from financial to mental, spiritual, and social well-being. Learn from Tsitsi's journey of overcoming debt and reclaiming financial freedom. Subscribe for more empowering content and share the wealth conversation with those who need it! Key Points: - Financial struggles and lack of understanding in debt management. - Debt repayment and gaining financial independence. - Financial struggles and the importance of talking about money. Work with Tsitsi and follow The Wealth Conversation: - Book a Power Hour: https://programs.thewealthconversation.com/power-hour - LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ - Facebook: https://www.facebook.com/thewealthconversation - Instagram: https://www.instagram.com/thewealthconversation/

In today's episode, I share my experience with debt consolidation, revealing how I took matters into my own hands to pay off my debt within one and a half years! I discussed my financial habits, including how I was quick to help others at my own expense, but learned to prioritise my own needs by analysing my bank statements! Key discussion points: Debt consolidation and holding myself accountable for my debts Paying off 6 1/2 years' worth of debt in 1 1/2 years! Overcoming debt by organising my finances. Work with Tsitsi and follow The Wealth Conversation: Book a Power Hour: https://programs.thewealthconversation.com/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/

About Vangile Makwakwa: Vangile Makwakwa is the founder of Wealthy Money, a company that helps people heal ancestral money trauma so they can fall in love with their bank accounts, live their best lives and create generational wealth. She is the teacher at Wealthy Money Academy and the creator and facilitator of all the online courses on the online academy. She is also the host of the Property Magicians Podcast and the Money Magic Podcast. She is the author of Heart, Mind & Money: Using Emotional Intelligence for Financial Success. Vangile has a finance degree and an MBA and started her personal finance journey by paying off $60,000 in debt. She's been travelling for 15 years and has lived in over 12 countries and built her company wealthy-money.com virtually as she travels and lives in different countries. Key discussion points from this episode include: · Why traveling in so important to Vangile · The reasons why Vangile developed The African Money Archetypes in relation to Black Tax · The Fixer · The Destroyer · The Sweet One · The Runaway · The Spoilt Brat · How Vangile supports her clients · Vangile's definition of The Wealth Cornerstones Contact and work with Vangile Makwakwa: Website: www.wealthy-money.com The Fall in Love with Your Bank Account Course, which teaches you to fall in love with your bank account in 5 days: www.wealthy-money.com/bankaccount Podcast: https://podcasts.apple.com/gb/podcast/money-magic-podcast/id1575231502 Work with Tsitsi and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Jateya Jones: Jateya Jones, fondly known as your Business Coach's Secret Weapon and founder of Jateya Jones Consulting, is a visionary with the ability to facilitate clarity and dream transformation. She currently serves as the CEO of Jateya Jones Consulting, a boutique consulting firm where she empowers entrepreneurs to confidently show up and boldly stand out in the marketplace – therefore increasing their income and impact. Jateya helps you get clear on what you do, not how you make your money; equipping you with the ability to clearly identify your gift, how it aligns with your many different passions, and how to effectively and succinctly communicate this to your target population. The truth is, clarity is power and once you have it, you'll find success within your life and business. Through keynotes, courses, community, and coaching, Jateya has helped more than 200 clients globally gain the clarity, strategy, and accountability needed to execute ideas, transforming their dreams into reality. Jateya does not limit her counsel to entrepreneurs. As Founder and Executive Director of Fore Teens, Inc., she helps disconnected youth realize their career aspirations; ensuring an equal opportunity for success. Using behavioral change theories and Holistic Networking, Jateya develops educational programs and materials that provide evidence-based solutions. Since its launch, Fore Teens has provided nontraditional career training and mentorship to teens. To connect and learn more, Jateya can be found on Instagram, Twitter, and LinkedIn @JateyaJones and Facebook @JateyaJonesConsulting. Website: www.jateyajones.com Key discussion points from this episode include: · Why clarity is important · The importance of Focus and setting boundaries · The ABCs to Clarity: Acceptance, Believe and Connect the Dots · Knowing what you do, not how you make your money · More about Fore Teens, Inc. · The 90 Day Clarity Accelerator Programme · How Clarity helped me begin my journey to become debt free · How clarity can help you move forward when fear shows up · Jateya's definition of wealth for each Wealth Cornerstone Work with Jateya Jones: In a short 12 weeks, your dream can be transformed into reality. The 90 Day Clarity Accelerator is designed for you to identify your gift, create a financial ecosystem of how your many different passions align, flow and intersect with one another, as well as, how to effectively and succinctly communicate this to your target population. By the end of the 90 days, my goal for you is to be crystal clear on how to define your gift, define your goal, communicate with clarity, and create your step-by-step Roadmap to effectively and efficiently get you from A to Z on your transformational journey. https://calendly.com/jateyajones/90-day-clarity-accelerator Work with Tsitsi and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Wadzanai Garwe: Wadzanai Garwe is an author, a coach, an economist, an activist, a mother, a sister and a friend. She is an economist who studied finance and community economic development. Her coaching is centered around workplace toxicity. In honour of my late Father, Wadzi as she is affectionately known, founded the Edmund Garwe Trust which works on education and concentrates on child-headed households that have been affected by the two pandemics - HIV and Covid. Wadzi also currently co-facilitates a space for post-colonial Africans to discuss issues that affect them called African Conversations with Self. She has lived and worked in many places including the USA, Mozambique, Singapore, South Africa and currently Italy. Her passion is to ensure that she lives her best life and contributes towards making the amazing world we live in a wondrous adventure of growth and self-discovery. Key discussion points from this episode include: · Wadzi shares her money story · The impact of shame and indebtedness · How having conversations about money at a younger age could have changed Wadzi's past money story · Personal indebtedness, money shame and the post-colonial African · Wadzi's advice on how to overcome feeling ashamed about being in debt and not being able to manage our finances · Wadzi's definition of each Wealth Cornerstone – Contact and work with Wadzanai Garwe: African Conversations with Self - a Masterclass of lived African experiences and expert interviews. We talk about colonial trauma, we talk about what has been taboo and we talk about the modern versus the traditional. It's a safe space and we hope anyone who wants to understand the African experience catches our conversations on Patreon www.patreon.com/africanconversationswithself Instagram: www.instagram.com/african.convos.with.self/ LinkedIn: www.linkedin.com/in/wadzanai-garwe/ Work with Tsitsi and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Keji Castano: Keji, also known as the Wealth Encourager, is an encourager by nature and wealth advocate by nurture. She believes soul health is real wealth, and that plays out into every area of our lives, relationships, finances and mindset. The Wealth Encourager is not just her brand but also who she is. The vision was birthed in her after going through multiple transitions in her own life and helping others navigate their own times of transition. The vision continues to grow in many areas through her podcast, workshops, IG Live interviews and literature. One of The Wealth Encourager's greatest desires is to see people, especially women, living in freedom! And if she can be an usher aiding them to get there, then so be it! On a lighter note, she is a mix of nerdy data analyst by day but a creative at heart. She is a Nigerian born, London-raised, eldest of a family of all daughters and lover of chocolate. Key discussion points from this episode include: · The ethos behind the Wealth Encourager · What Transition is and why Keji supports individuals during this stage · How going through the Transition period give you an upgrade in identity · The 3 steps to focus on when going through Transition: Playback, Pause and Progress · Grief and Transition · You cannot manipulate your season · How Keji supports her clients · Keji talks about her forthcoming book · Keji's definition of The Wealth Cornerstones [Keji makes reference to the following Bible verse: 3 John 1:2] · Final words from Keji about the phase after transition Contact and work with Keji Castano: Instagram: https://www.instagram.com/thewealthencourager/ Facebook: https://www.facebook.com/The-Wealth-Encourager-264745001011154 Work with Tsitsi and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Catherine Thomas-Humphreys: Catherine Thomas-Humphreys is a Qualified Financial Adviser & Certified Financial Coach. Catherine is also the founder of The Finflunencer and she coaches people to create a positive, confident relationship with their money, so they can focus on what matters Most to them. Contact Catherine via her website to find out more about her group coaching programme: Emotional Spender to Motivated Saver Key discussion points from this episode include: · About The Finfluencer · The importance of understanding yourself · The Finfluneces on our habits: The childhood experience; financial trauma and other people · A key moment that influenced Catherine's money habits and career choice · The ethos behind The Finfluencer · The steps to becoming your own Finfluencer · The impact and importance of the money conversation · The Family Money Tree exercise · How awareness can help you manage the habits that may no longer be serving you · Catherine's definition of wealth for each Wealth Cornerstone Contact and work with Catherine Thomas-Humphreys: Website: www.thefinfluencer.co.uk Instagram: https://www.instagram.com/catherine_thefinfluencer/ Work with Tsitsi and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

If you're looking for guidance on how to plan for retirement, this episode is for you. Nila Mistry, financial planner and certified money coach, shares her top tips on how to get started. Learn how to create a personalized financial plan that will give you the freedom to live your best life. About Nila Mistry: Nila Mistry is a Financial Planner, Registered Life Planner and Certified Money Coach. Her business is Prosperity Life Planning Ltd. Many people don't have access to financial guidance and then worry they won't have enough money to retire. She works with professional couples and individuals to get better organised with their finances, build, and help implement a personalised financial life plan so they can live a life of freedom without worrying about money and enjoy their future with certainty. Her journey in Financial Services started nearly 30 years ago of which the first 10 years she spent working with Irish Life Assurance and Barclays Financial Management and then running her practice as an Independent Financial Adviser over the last 20 years. Drawing on a wealth of experience and knowledge she created The Life Planning Experience™ over 4 years ago, and this resulted in a life and business that gave her time and money freedom. We have one amazing life, and she truly believes we all deserve that life to be happy and fulfilled. This comes more easily when your money and life are aligned. Key discussion points from this episode include: · The main reasons why we should all be planning for retirement. · What is enough when it comes to retirement savings? · When is the right time to start planning for retirement? · The steps that will help you to ensure that you have enough for the retirement lifestyle you desire. · Nila's definition of the Wealth Cornerstones Contact and work with Nila Mistry: Website: https://www.prosperitylifeplanning.co.uk/ Facebook: https://www.facebook.com/ProsperityLP Instagram: https://www.instagram.com/prosperitylifeplanning/ LinkedIn: https://www.linkedin.com/in/nila-mistry-dippfs-rlp-4257991/ Free Download: 7 Simple Steps to feel Confident and in Control of your Finances as you approach Retirement Work with Tsitsi and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Michelle Lambell: Michelle Lambell started her career in financial services in 1999 with Capel Cure Sharp (latterly Gerrard and Barclays Wealth) as an Assistant Investment Manager. She completed her stockbroking qualifications in 2003 and worked as part of the Investment Management team, undertaking both advisory and discretionary investment management. Michelle took a career break following the arrival of her two daughters, spending time both as a mum and running her own arts and crafts business. Michelle then returned to financial services in 2013, initially in a part time role within a Credit Union and then full time in 2014, as a Paraplanner and then as an Independent Financial Adviser. In late 2017, Michelle achieved the status of Chartered Financial Planner and Fellow of the Personal Finance Society. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances. In line with her values Michelle completed a financial coaching course during 2020 and early 2021 and achieved the status of Certified Financial Planner in May 2021. Michelle specialises in all aspects of pensions including pensions on divorce, retirement planning and investments. Key discussion points from this episode include: · Why you should seek advice from a pension's specialist. · Michelle breaks down what a pension is. · Whether you should have a pension and when you should start contributing to a pension. · The benefits of contributing to a pension via your employer. · The benefits of contributing to a pension if you are self-employed. · Michelle's advice to a young person who is undecided about opting in to a workplace pension scheme. · Inheritance tax benefits of building up your pension pot. · Michelle's definition of each Wealth Cornerstone. Contact and work with Michelle Lambell: Website: https://tmplimited.co.uk Instagram: https://www.instagram.com/michellelambellmoney/ Work with Tsitsi and follow The Wealth Conversation Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Tina Weeks: Tina Weeks is the Managing Director of Serenity Financial Planning, a business which she set up to bring financial life planning to as many people as possible. Tina works with her clients over the long-term helping them build on and grow their financial plans so that they have enough money to do all the things that they want to do. Key discussion points from this episode include: · What a financial life plan is. · Your possibility story. · Why it is important to have a financial life plan. · Clearing the decks of all the blocks. · Three steps to creating a financial life plan: Get Organised; Get Clarity; Get Moving · Tina's definition of the Wealth Cornerstones. Contact and work with Tina Weeks: Website: https://serenityfp.com/ Facebook: https://www.facebook.com/tinaweeks Instagram: https://www.instagram.com/serenityfinancialplanning/ Twitter: https://twitter.com/thefinancecoach LinkedIn: https://www.linkedin.com/in/tinaweeksfinancialplanner/ Work with Tsitsi and follow The Wealth Conversation Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Cleo Matlou: Cleo Matlou is a Money Mindset Coach. She helps women take radical responsibility for their relationship with money, gain financial freedom and attract more wealth and financial abundance. Cleo's mission is to eradicate the fear of talking about money by addressing the emotional impact money has on our everyday lives, so women can achieve more equality, inclusivity, and freedom. She has over 15 years of experience in the finance industry, 3 properties, sound investments, and her own personal finance success story which has led to her mission in coaching and supporting others. Key discussion points from this episode include: · The difference between Money Mindset and being Wealth Conscious · The impact of being wealth conscious on the wealth journey · Practical steps that anyone can take to start improving their money mindset and wealth consciousness · How Cleo supports her clients · Cleo's definition of the Wealth Cornerstone Contact and work with Cleo Matlou: Website: https://www.womenaboutfinance.com/ Instagram: https://www.instagram.com/womenaboutfinance/ LinkedIn: https://www.linkedin.com/in/cleo-matlou/ Follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

The Wealth Cornerstones Series – Round Up We all have the desire to create wealth on our own terms. I believe that this can be achieved once you are clear on what wealth truly means to you, in the following five areas of your life: Physical; Mental; Spiritual; Social and Financial. In this series round up The Wealth Cornerstone Series, I revisit what true wealth means to some of my previous guests and I hope that their definitions will help you to create your own unique definition of wealth in each area of your life. Download The Wealth Cornerstones Guide and define what wealth truly means to you: https://thewealthconversation.com/free-guide/ Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Listen to the full episodes: Episode 12: Black History Month Spotlight – Dumi Senda https://anchor.fm/the-wealth-conversation/episodes/Black-History-Month-Spotlight-with-Dumi-Senda-e189061 Episode 18: Why Representation Matters with Joyce Osei - https://anchor.fm/the-wealth-conversation/episodes/Why-Representation-Matters-with-Joyce-Osei-e1a8v97 Episode 21: The African Money Archetypes with Vangile Makwakwa - https://anchor.fm/the-wealth-conversation/episodes/The-African-Money-Archetypes-with-Vangile-Makwakwa-e1bd3rl Episode 30: Embracing Your Power with Denise Taylor - https://anchor.fm/the-wealth-conversation/episodes/Embracing-Your-Power-with-Denise-Taylor-e1dpqaq Episode 37: Financial Stability For Women with Gretchen Betts - https://anchor.fm/the-wealth-conversation/episodes/Financial-Stability-For-Women-with-Gretchen-Betts-e1gpe9d

The Wealth Cornerstones Series – Episode 4 We all have the desire to create wealth on our own terms. I believe that this can be achieved once you are clear on what wealth truly means to you, in the following five areas of your life: Physical; Mental; Spiritual; Social and Financial. In this fourth episode of The Wealth Cornerstone Series, I revisit what Financial wellbeing means to some of my previous guests and I hope that their definitions will help you to create your own unique definition of wealth in each area of your life. Download The Wealth Cornerstones Guide and define what wealth truly means to you: https://thewealthconversation.com/free-guide/ Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Listen to the full episodes: Episode 3 – Why Clarity Is Important with Jateya Jones: https://anchor.fm/the-wealth-conversation/episodes/Episode-3-Why-Clarity-Is-Important-with-Jateya-Jones-e15jst1 Episode 8 – Overgiving: When Generosity Undermines Your Financial and Emotional Health with Emma Gosling: https://anchor.fm/the-wealth-conversation/episodes/Episode-8-Overgiving-When-Generosity-Undermines-Your-Financial-And-Emotional-Health-with-Emma-Gosling-e176iuj Episode 9 – Limiting Knowledge And Your Financial Future with Tiritoga Gambe: https://anchor.fm/the-wealth-conversation/episodes/Limiting-Knowledge-and-Your-Financial-Future-with-Tiritoga-Gambe-e15vsi9 Episode 16 – Introduction to Pensions with Michelle Lambell: https://anchor.fm/the-wealth-conversation/episodes/Introduction-to-Pensions-with-Michelle-Lambell-e19maj8 Episode 22 – Physical Wellbeing: Yoga with Kinga Kovacs: https://anchor.fm/the-wealth-conversation/episodes/Physical-Wellbeing-Yoga-with-Kinga-Kovacs-e1bjdfl

The Wealth Cornerstones Series – Episode 3 We all have the desire to create wealth on our own terms. I believe that this can be achieved once you are clear on what wealth truly means to you, in the following five areas of your life: Physical; Mental; Spiritual; Social and Financial. In this third episode of The Wealth Cornerstone Series, I revisit what Social wellbeing means to five of my previous guests and I hope that their definitions will help you to create your own unique definition of wealth in each area of your life. Download The Wealth Cornerstones Guide and define what wealth truly means to you: https://thewealthconversation.com/free-guide/ Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Listen to the full episodes: Episode 4 – Influencing Your Money Habits And Mindset with Catherine Thomas-Humphreys: https://anchor.fm/the-wealth-conversation/episodes/Episode-4-Influencing-Your-Money-Habits-And-Mindset-with-Catherine-Thomas-Humphreys-e161gcs Episode 7 – Mind Your Madness with Jabreta Shelton: https://anchor.fm/the-wealth-conversation/episodes/Episode-7-Mind-Your-Madness-with-Jabrita-Shelton-e16kmgd Episode 15 – Shame And Indebtedness with Wadzanai Garwe: https://anchor.fm/the-wealth-conversation/episodes/Shame-and-Indebtedness-with-Wadzanai-Garwe-e19m8mp Episode 16 – Introduction to Pensions with Michelle Lambell: https://anchor.fm/the-wealth-conversation/episodes/Introduction-to-Pensions-with-Michelle-Lambell-e19maj8 Episode 25 – Managing Your Business Finances with Jackie Stewart: https://anchor.fm/the-wealth-conversation/episodes/Managing-Your-Business-Finances-with-Jackie-Stewart-e1c0p8l

The Wealth Cornerstones Series – Episode 2 We all have the desire to create wealth on our own terms. I believe that this can be achieved once you are clear on what wealth truly means to you, in the following five areas of your life: Physical; Mental; Spiritual; Social and Financial. In this second episode of The Wealth Cornerstone Series, I revisit what Spiritual wellbeing means to five of my previous guests and I hope that their definitions will help you to create your own unique definition of wealth in each area of your life. Download The Wealth Cornerstones Guide and define what wealth truly means to you: https://thewealthconversation.com/free-guide/ Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Listen to the full episodes: Episode 20 – Money Mindset, Financial Wellbeing and Workplace Savings with Charlie Goodman: https://anchor.fm/the-wealth-conversation/episodes/Money-Mindset--Financial-Wellbeing-and-Workplace-Savings-with-Charlie-Goodman-e1bd3k9 Episode 22 – Physical Wellbeing: Yoga with Kinga Kovacs: https://anchor.fm/the-wealth-conversation/episodes/Physical-Wellbeing-Yoga-with-Kinga-Kovacs-e1bjdfl Episode 25 – Managing Your Business Finances with Jackie Stewart: https://anchor.fm/the-wealth-conversation/episodes/Managing-Your-Business-Finances-with-Jackie-Stewart-e1c0p8l Episode 32 – Family Estrangement with Mariam Ernest: https://anchor.fm/the-wealth-conversation/episodes/Family-Estrangement-with-Mariam-Ernest-e1f5mq8 Episode 36 – Health and Wealth with Pamela Windle: https://anchor.fm/the-wealth-conversation/episodes/Health-and-Wealth-with-Pamela-Windle-e1gi9gm

The Wealth Cornerstones Series - Episode 1 We all have the desire to create wealth on our own terms. I believe that this can be achieved once you are clear on what wealth truly means to you, in the following five areas of your life: Physical; Mental; Spiritual; Social and Financial. In this first episode of The Wealth Cornerstones Series, I revisit what Physical and Mental wellbeing means to five of my previous guests and I hope that their definitions will help you to create your own unique definition of wealth in each area of your life. Download The Wealth Cornerstones Guide and define what wealth truly means to you today: https://thewealthconversation.com/free-guide/ Work with Tsitsi Mutiti and follow The Wealth Conversation Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Listen to the full episodes: Episode 3 – Why Clarity Is Important with Jateya Jones: https://anchor.fm/the-wealth-conversation/episodes/Episode-3-Why-Clarity-Is-Important-with-Jateya-Jones-e15jst1 Episode 7 – Mind Your Madness with Jabreta Shelton: https://anchor.fm/the-wealth-conversation/episodes/Episode-7-Mind-Your-Madness-with-Jabrita-Shelton-e16kmgd Episode 8 – Overgiving: When Generosity Undermines Your Financial and Emotional Health with Emma Gosling: https://anchor.fm/the-wealth-conversation/episodes/Episode-8-Overgiving-When-Generosity-Undermines-Your-Financial-And-Emotional-Health-with-Emma-Gosling-e176iuj Episode 9 – Limiting Knowledge And Your Financial Future with Tiritoga Gambe: https://anchor.fm/the-wealth-conversation/episodes/Limiting-Knowledge-and-Your-Financial-Future-with-Tiritoga-Gambe-e15vsi9 Episode 15 – Shame And Indebtedness with Wadzanai Garwe: https://anchor.fm/the-wealth-conversation/episodes/Shame-and-Indebtedness-with-Wadzanai-Garwe-e19m8mp

About Gretchen Betts: Gretchen is a Chartered and Certified Financial Planner at Magenta – an award winning, specialist Financial Planning company that believes in delivering Planning with Passion every day. Since launch in 2016 the business has become known for its bright and bold brand and for proudly flying the flag for women in the profession. As a Certified Financial Coach, Gretchen is passionate about working closely with clients to understand what they really want from life and to create and implement a Lifetime Financial Plan to help them pursue their passions. Gretchen is active in promoting the need for greater diversity and inclusion in the financial services profession, talking on the subject at various conferences and events. She co-hosts the podcast “Financial Changemakers” which focuses on the need to encourage greater inclusion and diversification in financial services. Outside of work, Gretchen loves all things arts and craft and cats! - use as much as you would like! Key discussion points from this episode include: · Why Gretchen pursued a career in financial service and running her own Financial Planning firm · The reasons why Gretchen is passionate about supporting women to improve their relationship with money. · Some of the steps that women can implement to improve their financial stability. · How Gretchen supports her clients to fact track their journey to financial stability. · Gretchen's definition of the Wealth Cornerstones Contact and work with Gretchen Betts: Website: https://magentafp.com/ Twitter: https://mobile.twitter.com/planning_angel LinkedIn: https://www.linkedin.com/in/gretchen-betts-36562aa/ Download The Women's Guide: https://mailchi.mp/6013cb7b40df/zpaikecqat Work with Tsitsi and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Pamela Windle: Pamela is a certified women's health coach and hypnotherapist with over 20-years of experience working in the health and wellness industry. She is passionate about supporting and empowering you to reach optimal health both inside and out. She speaks on topics of health, wellness, perimenopause and menopause and is menopause in the workplace consultant. She uses evidence-based practices to combine training and techniques with organisations, individual needs, and senior leaders. Key areas of discussion in this episode: · How Pamela's personal experience with health issues influenced the work she does today · Why it is important to focus on health when building wealth · How Pamela supports her clients to improve their overall health and the impact her work has had on their wealth creation journey · The 3 things that you can implement straight away to improve your overall health · Pamela's definition of each Wealth Cornerstone Contact and work with Pamela Windle: Email: info@smarterchange.co.uk Website: https://www.smarterchange.co.uk/ Instagram: https://www.instagram.com/pamelawindlehormonecoach/ Facebook: https://www.facebook.com/smarterchange.co.uk LinkedIn: https://www.linkedin.com/in/pamela-ann-windle-2a2a6231/ Work with Tsitsi Mutiti and follow The Wealth Conversation Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Sam Cattell: Sam has over 20 years' experience in the property industry. She is a Mortgage Adviser who balances the professional advice alongside a warm and genuine approach. Sam understands that when you are looking for a mortgage, it's also a home and that is sacred and meaningful. Key discussion points from this episode include: · The definition of a mortgage · What to consider before you embark on the mortgage journey · Common pitfalls · How Sam supports her clients on their property purchasing journey · Reducing the term of a mortgage · Sam's advice to anyone who is considering applying for a mortgage · Sam's definition of the Wealth Cornerstones Contact and work with Sam Cattell: Website: https://www.mindfulmortgages.co.uk/ Facebook: https://www.facebook.com/mindfulmortgage Instagram: https://www.instagram.com/mindfulmortgages/ LinkedIn: https://www.linkedin.com/in/samcattell/ Work with Tsitsi and follow The Wealth Conversation Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

I had the honour of being a guest on the Think.Create.Initiate podcast hosted by the phenomenal Grace Nelson and Charlotte Barrett. This episode is a replay of the interview, during which I share: · My definition of wealth · How I developed my signature method - The Choices Blueprint · Why I believe it is important to acknowledge our past so we can have a healthier relationship with money. Here is some information about Grace Nelson and Charlotte Barrett: Charlotte Barrett and Grace Nelson are the Co-Founders of the Business Growth Agency and the creators of the Think.Create.Initiate™ Method. The ladies are dedicated to serving corporate women and create their first £1000 months online before going on to 10x their income with the exact same system, without having to leave your 9-5! They believe that it is simply not okay to be stuck in a job where you are not living up to your full potential and you know deep down that you're capable of so much more. Grace and Charlotte have over two decades of business experience combined, so they understand what it's like to have an idea you're passionate about but not knowing how to make it a profitable reality, so you can have a reliable income other than your job. Their success portfolio also extends to working with micro enterprises, SMEs, Universities and large corporate organizations worldwide like “The Google Campus” to deliver bespoke business startup workshops. Their collaborative unison is so unique and special that it draws in audiences on a global scale to follow their proven Think.Create.Initiate™ method for business success, as they teach from experience and ensure that all their programmes, events and workshops are highly interactive and action orientated. Grace and Charlotte go beyond being just business partners and are also “besties”. Both women are family orientated with Charlotte being a mum of two daughters including a 13 year old and 2.5 year old and Grace is a new mum with an 17 month old baby girl. Contact and work with Grace & Charlotte: Website: https://www.graceandcharlotte.com/ Join Grace & Charlotte's private membership: Thriving Female Startup Entrepreneurs membership: https://bit.ly/PrivateAccessFBGroup Thriving Female Startup Entrepreneurs membership is the community that Grace & Charlotte never had when starting out in their entrepreneurial journey. A place where your wins are celebrated and you can tap into expert advice weekly and receive support The Thriving Female Start Up Membership is the number one community online for start ups. Work with Tsitsi Mutiti and follow The Wealth Conversation: Wealth Builder Programme Waitlist: https://thewealthconversation.com/wealth-builder-programme-waitlist/ Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Charlotte Barrett: Charlotte Barrett is the Co-Founder of the Business Growth Agency which she runs with her business partner Grace Nelson. They are also the creators of the Think.Create.Initiate™ Method. The ladies are dedicated to serving corporate women and create their first £1000 months online before going on to 10x their income with the exact same system, without having to leave your 9-5! They believe that it is simply not okay to be stuck in a job where you are not living up to your full potential and you know deep down that you're capable of so much more. Grace and Charlotte have over two decades of business experience combined, so they understand what it's like to have an idea you're passionate about but not knowing how to make it a profitable reality, so you can have a reliable income other than your job. Their success portfolio also extends to working with micro enterprises, SMEs, Universities and large corporate organizations worldwide like “The Google Campus” to deliver bespoke business startup workshops. Their collaborative unison is so unique and special that it draws in audiences on a global scale to follow their proven Think.Create.Initiate™ method for business success, as they teach from experience and ensure that all their programmes, events and workshops are highly interactive and action orientated. Grace and Charlotte go beyond being just business partners and are also “besties”. Both women are family orientated with Charlotte being a mum of two daughters including a 13 year old and 2.5 year old and Grace is a new mum with an 17 month old baby girl. Key discussion points from this episode include: · Setting up a business whilst in a 9 – 5 job · The importance of small manageable income goals · The first steps to take to successfully turn your idea into a thriving business · Pros and Cons of starting a business whilst in a 9 – 5 job · Charlotte's definition of the Wealth Cornerstones Contact and work with Grace & Charlotte: Website: https://www.graceandcharlotte.com/ Join Grace & Charlotte's private membership: Thriving Female Startup Entrepreneurs membership: https://bit.ly/PrivateAccessFBGroup Thriving Female Startup Entrepreneurs membership is the community that Grace & Charlotte never had when starting out in their entrepreneurial journey. A place where your wins are celebrated and you can tap into expert advice weekly and receive support The Thriving Female Start Up Membership is the number one community online for start ups. Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

*Content Warning*: This episode contains content that may be triggering to some listeners. Although there are no in-depth descriptions there are mentions of types of childhood trauma, which may include domestic violence, substance and sexual abuse. About Mariam Ernest: After her own experiences of family estrangement, Mariam now works with people who have experienced the same thing. Mariam believes that people have an incredible source of power within them to change their reality, however, as we experience life's challenges and adversities (such as family estrangement), it can bury and distort the strength and wisdom that we have within, that would enable us to get through the toughest times. Mariam's works revolves around igniting the 'hope, joy, personal strength, and most importantly, peace of mind with her tested mindset programme of 'Learn, Reframe the narrative, Rediscover, and Recover'. Key discussion points from this episode include: · How to recognise family estrangement · The importance of seeking support when dealing with fragmented family relationships · How family estrangement can impact your relationships with other people · Some of the financial impacts of family estrangement · How Mariam supports people dealing with fragmented family relationships · The negative and positive aspects of family estrangement. · Mariam's definition of the Wealth Cornerstones Contact and work with Mariam Ernest: Instagram: https://www.instagram.com/recoveryfromfragmentedfamilies/ Facebook: https://www.facebook.com/Recoveryfromfragmentedfamilies-101884852042983 Recovery From Fragmented Families Podcast: https://podcasts.apple.com/gb/podcast/introduction-to-recovery-from-fragmented-families/id1558743440?i=1000513322453 Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Charmaine Dawkins-Alder: Charmaine is a woman who wears many hats, she is a wife, mother, grandmother, co-author of Navigating Life, Health, Grief & Loss. She is also the owner of an award winning business, Difference A Day Makes. Her passion in life is to help others become the best version of themselves. Key discussion points from this episode include: · About the book – ‘Navigating Life: Health, Grief & Loss' · Charmaine's debt story · What Charmaine knows now about managing her money · How Charmaine's faith helped her during the period of financial difficulty · How Charmaine manages her money now · Charmaine's definition of the Wealth Cornerstones Contact and work with Charmaine Dawkins-Alder: Website: www.differenceadaymakes.net Instagram: https://www.instagram.com/charmaine4522/ Buy the book: Navigating Life: Health, Grief & Loss Debt Advice: Christian's Against Poverty: https://capuk.org/ Citizens Advice: https://www.citizensadvice.org.uk/ Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Denise Taylor: 25+ years of proven business and leadership success 25+ years of relationship success 50+ years of life success Denise's combined experiences position her to help women develop success strategies for every area of their life. When asked, Denise will quickly affirm she lives a Blessed Life. But don't get it twisted - her life has NOT been perfect or easy. Denise overcame many traumas, losses, and disappointments. She persevered. Her success is rooted in her faith in God along with her "Never Give Up" passion and "Make It Happen" attitude. About the forthcoming book – Embrace Your Power & Go!: This book is for everyone who wants to get out of the starting blocks. This experience will help you get past Ready & Set and GO! The time is now to Build A Life You Love Without Apology! Embrace Your Power & Go! is a game changing journey designed for women who desire more success in every area of their life. This experience will help you embrace more satisfaction & fulfilment through personal growth. This 30-day journal is a comprehensive guide for inspiration & empowerment. The daily focus will encourage you through reading, reflecting, affirming, journaling, and setting goals. You will feel as though your coach, Denise Taylor, is right in the room, mentoring you on your path to success. As each day passes, you will be motivated and equipped to build a life you love. As a bonus, you will be coached firsthand by Denise Taylor on her life changing Success SuperPowers throughout the book. Once you start this journey, you will want more because you will find every day's focus motivates you to Embrace Your Power & Go! Key discussion points from this episode include: · Overcoming challenges in life · How going to college changed Denise's life · The forthcoming book – Embrace Your Power & Go · The Success SuperPowers · Why you should start where you are · Denise's definition of each Wealth Cornerstone Contact and work with Denise Taylor: Website: www.denisetaylor.live Life, Love and the Pursuit of Happiness Podcast: https://podcasts.apple.com/us/podcast/life-love-and-the-pursuit-of-happiness/id1560924326 Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Tamsin Caine: Tamsin Caine is a Chartered Financial Planner and Resolution accredited divorce financial planner. She founded Smart Divorce in 2018 to help couples and individuals to work out how to separate their finances so that they can divorce without the need for court, preferably amicably. Key discussion points from this episode include: · Why Tamsin decided to focus on working with clients who are going through a divorce · The book that Tamsin co-authored a book titled ‘Your Divorce Handbook – It's What You Do Next That Counts'. · How to unscramble finances when going through a divorce · Designing your next chapter (How to think about money) · The role of a financial planner in the divorce process · Tamsin's definition of the Wealth Cornerstones Contact and work with Tamsin Caine: Buy the book: https://yourdivorcehandbook.co.uk/buy-the-book/ Website: www.smartdivorce.co.uk Linkedin: https://www.linkedin.com/in/tamsincaine/ The Smart Divorce Podcast: https://podcasts.apple.com/gb/podcast/the-smart-divorce-podcast/id1493491654 Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

* Content Warning*: This episode contains content that may be triggering to some listeners. Although there are no in depth descriptions there are mentions of types of childhood trauma, which may include domestic violence, sexual and physical abuse, mental health, neglect, poverty and bullying. About Mary Hemingway: Mary is a certified financial coach and multi-award winning financial adviser based in the Scottish Borders. She uses her life experience as a trauma survivor, alongside person-centered counseling skills and a decade in financial services, to help heal the financial wounds left as a legacy of trauma. Mary established Fearless Financial in 2021 to cater for anyone struggling to push past their deeply held fears and achieve the outcomes they want with money. She runs this financial coaching service alongside her thriving Financial Advice and estate planning businesses and around her hands on family life with a 3 year old daughter! Key discussion points from this episode include: · The definition of Trauma · The four common Trauma responses: Fight, Flight, Freeze and Fawn · The Adverse Childhood Events (ACEs) · How Mary supports her clients to overcome childhood trauma and improve there relationship with money · Mary's definition of the Wealth Cornerstones Contact and work with Mary Hemingway: Website: www.fearlessfinancial.co.uk Facebook: https://www.facebook.com/FearlessFinancial Instagram: https://www.instagram.com/fearless.financial/ LinkedIn: https://www.linkedin.com/in/mary-hemingway-13a962103/ Work with Tsitsi Mutiti and follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour LinkedIn: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Julie Flynn: Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being. Julie works with women experiencing or planning significant change in their lives. She is founder of Ebb & Flow Financial Coaching, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Key discussion points from this episode include: · Julie's view on why financial services charges should be simplified · Clarity is the key to being able to explain what you do and charge the correct price · The problem with trying to justify what you charge for your service or products · Being intentional about what you charge · How emotions impact the way we charge · Looking at the outcomes and results you are delivering for people · How being fair can impact how you charge · Julie's definition of each Wealth Cornerstone Contact and work with Julie Flynn: Email: hello@ebbandflow.uk Website: https://www.ebbandflow.uk/ Work with and follow Tsitsi and The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

Nothing in this podcast constitutes personal financial advice. For personal advice please speak to an Independent Financial Planner. Investments carry risk. Past performance is no guarantee of future performance. About Emily Pool: Emily is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. She believes people will naturally engage more meaningfully with their financial futures by investing ethically and sustainably, and will feel more empowered knowing that their savings can have a positive impact on global problems. Key discussion points from this episode include: · Emily's definition of investing · Some of the reasons why people opt to invest in ethical and sustainable products · Establishing a client's values · How a financial coach can help investors to establish their values · Establishing whether your investments are ethical and sustainable or in line with your current values · The performance of ethical and sustainable investments in recent years · Emily's definition the Wealth Cornerstones Contact and work with Emily Pool: Website: www.happyplanetfp.co.uk Linkedin: https://www.linkedin.com/in/emily-pool-willsifa/ Invest In Yourself: Podcast Instagram: @HappyPlanetFP Facebook: @happyplanetfp Twitter: @HappyPlanetFP Resources mentioned in this episode: Share Action: https://shareaction.org/ TrustNet: https://www.trustnet.com/ Tumelo: https://www.tumelo.com/personal Make My Money Matter: https://makemymoneymatter.co.uk/ Follow The Wealth Conversation: Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/

About Jackie Stewart: Jackie Stewart is a Chartered Certified Accountant and a Qualified Teacher. She is also a qualified Money Coach for CAP (Christians Against Poverty). As well as being the Director of her Company, Funancial Training & Consultancy (FT&C), Jackie has facilitated various courses and workshops on Financial Management, I.T., QuickBooks Accounting software and Personal Money Management. Key discussion points from this episode include: · What motivated Jackie pursue a career in accounting. · Why Jackie is passionate about supporting businesses that are focused on community building. · The common hurdles that some small business owners have had to overcome with regards to managing business finances. · The benefits of having an accountant (even for a small business). · What small business owners should be focusing on at the beginning of the new calendar year. · Funancial Training & Consulting Courses and Membership · Jackie's definition of each Wealth Cornerstone Contact and work with Jackie Stewart: Website: www.funancialtraining.com Instagram: www.instagram.com/funancial13/ Facebook: www.facebook.com/funancial Email: info@ftandconsultancy.com Follow The Wealth Conversation: Facebook: www.facebook.com/thewealthconversation Instagram: www.instagram.com/thewealthconversation/ Book a Power Hour Session: https://calendly.com/thewealthconversation/power-hour

About Charlotte Wood: Charlotte is a Chartered Financial Planner and runs her own practice alongside raising her two small humans. Charlotte is also increasingly well known as a Women's advocate and pursing an agenda for gender diversity within the Financial Planning profession. Key discussion points from this episode include: How Charlotte prepared her finances prior to having you a family The importance of have the money conversation with your partner when you were still dating The one thing that Charlotte believes could help support individuals and families navigate any change The emergency fund Charlotte's definition the Wealth Cornerstones Contact and work with Charlotte Wood Website: https://rosewoodfp.co.uk/ Instagram: https://www.instagram.com/charlotte.rosewoodfp/ Facebook: https://www.facebook.com/RosewoodFP Work with and follow The Wealth Conversation Book a Power Hour: https://calendly.com/thewealthconversation/power-hour Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/

About Funmi Olufunwa: After working as a lawyer in financial services for well over a decade, Funmi recently left her legal career and set up an education and coaching business to fill the financial education gap and provide information and guidance that empowers people to understand their relationship towards money and how they can make their money work best for them. Key discussion points from this episode include: · About Funmi Olufunwa and the mission for her business. · How the absence of the money conversation at a young age might impact the way some adults manage and feel about money. · Tips for adults who feel that they don't know everything there is to know about money. · The best time to start talking to children about money. · How Funmi is encouraging more money conversations with young people · Funmi's definition of each Wealth Cornerstone Contact and work with Funmi Olufunwa: Instagram: www.instagram.com/financefunmi/ Email: hello@financefunmi.com Follow The Wealth Conversation: Book a Power Hour: calendly.com/thewealthconversation/power-hour Facebook: www.facebook.com/thewealthconversation Instagram: www.instagram.com/thewealthconversation/

About Kinga Kovacs: Kinga has been practicing yoga for over 12 years and has been teaching in corporate, group and one to one settings over the past 3 years. She teaches yoga as a holistic practice: offering a safe space, nurturing and guiding students into self- exploration, building deeper self-awareness where they can re-discover their inherent full potentials as a unique part of this cosmos and feel fully alive and well physically, mentally and emotionally. She enjoys building relationships and deeper connections and through her method offers a complete toolkit for empowering people with self-love, positive body image, deeper awareness and interconnectivity to other humans, nature, our cycles, energies and the elements around and within us. With over 550hrs of training and a never-ending practice in advanced hatha, yin, pranayama and meditation and recently completed her pregnancy yoga course, currently training in pain management and as a corporate wellbeing coach she is determined to share yoga with as many people as possible. Key discussion points from this episode include: · Kinga shares what motivated her to focus on Yoga - 3:07 · Finding the harmony in life that makes you feel alive - 6:14 · How yoga helps individuals improve their physical wellbeing - 6:49 · The benefits of Yoga - 13:25 · Kinga's 3 step process for beginners - 20:43 1. Build Self Awareness 2. Go Deeper Within 3. Feel fully Alive · Pregnancy yoga – 24:49 · Kinga's definition of The Wealth Cornerstones – 31:14 Contact and work with Kinga: Instagram: https://www.instagram.com/vidyakingayoga/ Email: vidyakingayoga@gmail.com Follow and work with Tsitsi at The Wealth Conversation: Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Book your Power Hour Session: https://calendly.com/thewealthconversation/power-hour

About Vangile Makwakwa: Vangile Makwakwa is the founder of Wealthy Money, a company that helps people heal ancestral money trauma so they can fall in love with their bank accounts, live their best lives, and create generational wealth. She is the teacher at Wealthy Money Academy and the creator and facilitator of all the online courses on the online academy. She is also the host of the Property Magicians Podcast and the Money Magic Podcast. She is the author of Heart, Mind & Money: Using Emotional Intelligence for Financial Success. Vangile has a finance degree and an MBA and started her personal finance journey by paying off $60,000 in debt. She's been traveling for 15 years and has lived in over 12 countries and built her company wealthy-money.com virtually as she travels and lives in different countries. Key discussion points from this episode include: · A bit more about Vangile - 02:29 · Why traveling in so important to Vangile - 08:34 · The reasons why Vangile developed The African Money Archetypes in relation to Black Tax - 14:51 · The Fixer - 18:42 · The Destroyer - 27:06 · The Sweet One - 39:46 · The Runaway - 47:05 · The Spoilt Brat – 53:57 · How Vangile supports her clients - 1:02:01 · Vangile's definition of The Wealth Cornerstones - 1:04:14 · Contact and work with Vangile: Website: www.wealthy-money.com The Fall in Love with Your Bank Account Course, which teaches you to fall in love with your bank account in 5 days: www.wealthy-money.com/bankaccount Podcast: https://podcasts.apple.com/gb/podcast/money-magic-podcast/id1575231502 Follow The Wealth Conversation: Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Connect with Tsitsi at www.thewealthconversation.com

About Charlie Goodman: Currently a Partner at the Employee Benefits Collective LLP, Charlie Goodman specializes in financial wellbeing and pensions in the workplace. He is a qualified IFA, Financial Coach, and Reward Specialist. Charlie leads the Initiative for Financial Wellbeing's Workplace Wellbeing offering. Key discussion points from this episode include: · Why Charlie decided to focus on employees benefits and financial wellbeing - 2:40 · About The Initiative For Financial Wellbeing - 10:42 · The basics that employers should consider having in place to support their employees' financial wellbeing - 26:29 · The role of employees in their financial wellbeing - 32:18 · The benefits of having a money coach/financial coach or a financial adviser - 34:09 · Some findings from research done on the financial wellbeing of people based on their salary - 36:28 · Amalgamating/consolidating pensions from your previous employer [DB Pensions = Defined Benefit Pension] - 38:33 · Charlie's definition of each Wealth Cornerstone – 47:57 Contact and work with Charlie Goodman: Website: www.ebc-llp.com LinkedIn: https://www.linkedin.com/in/charlesgoodmanemployeebenefits/ Initiative For Financial Wellbeing: https://initiativeforfinancialwellbeing.org.uk/ Additional resources: MoneyHelper: https://www.moneyhelper.org.uk/en Pension Wise: https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-wise Pensions Tracing Service: https://www.gov.uk/find-pension-contact-details Follow The Wealth Conversation: Facebook: https://www.facebook.com/thewealthconversation Instagram: https://www.instagram.com/thewealthconversation/ Connect with Tsitsi at www.thewealthconversation.com Download The Wealth Cornerstones Guide: https://thewealthconversation.com/free-guide/