The Wealth Conversation

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:

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.

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:

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:

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:

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:

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:

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:

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.

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.

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.

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.

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.

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:

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:

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:

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:

*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:

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:

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:

* 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:

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:

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:

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:

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

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:

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:

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: 

About Primerose Chiguri:

Primerose Chiguri (nee Makunzva) LLB (hons) LLM, is a Solicitor at Kimberly Wayne & Diamond Solicitors in London. Her experience is in Immigration, Family Law , Civil Litigation and Wills and Probate.

Primerose specialises in complex cases and she prides herself in achieving high success rates for her clients and making a difference. She represents clients in Judicial Review applications as well as in appeals before the First Tier Tribunal, Upper Tribunal and in other civil matters in the County courts.

Primerose believes in excellence in legal service and providing a high quality, professional service whilst maintaining a personal touch in each case.

She is an on demand speaker and enjoys empowering others through raising awareness on legal issues. Primerose enjoys playing her piano, hiking, travelling, writing legal articles and spending time with friends and family.

Key discussion points in this episode:

· Why Primrose decided to become a lawyer - 3:37

· Why it is important to start thinking about setting up a will – 6:24

· How a will can protect your children – 14:27

· A breakdown of the Statutory Order of Inheritance for England and Wales – 18:41

· When you should start the process of setting up a will – 21:58

· The cost of setting up a will – 26:54

· Why you should review your will – 30:12

· Primerose’s advise to anyone considering not putting a will in place because they have or will tell their wishes to those close to them – 32:01

· Primerose’s definition of the Wealth Cornerstones – 36:56

Contact and work with Primerose Chiguri:

About Joyce Osei:

Joyce is on a mission to inspire, impact and innovate with Entrepreneurs and Senior Leaders in Tech and beyond through Diversity and Inclusion. For over 8 years Joyce worked to increase the representation of women in male dominated industries by supporting leaders to attract retain and develop their female talent. Joyce is very passionate about increasing the representation of people from marginalized backgrounds through video content because it’s vital that people have a safe space to share their lived experiences.

As part of tackling under-representation in Diversity & Inclusion, Joyce wrote and published her first book in 2020-'The Adventures of Amma and Kwessi in Barbados’. A children’s story inspired by her two children and her Ghanaian and Barbadian heritage. She has also co-authored Voices of Hope, sharing her personal story of how she became an author to inspire and transform other people's lives; particularly women.

Most recently Joyce co-authored Resilient Voices, true stories of resilience and positivity from a pandemic (published in 2021) where she contributes her lived experience. Joyce continues to increase representation as she moderates conversations and creates a safe space for female business owners in Fempreneurs In Action on Club House.

Key discussion points from this episode include:

· The journey to becoming a children’s author - 02:46

· The reason why ‘The Adventures of Amma and Kwessi’ is set in Barbados – 08:15

· The significance of the sparkling rainbow teacup and saucer – 10:02

· How Joyce’s corporate roles have influenced her writing – 11:33

· Why representation matters – 12:40

· Joyce talks about how she supports young people, adults and corporates to focus on the inclusion of underrepresented groups – 13:31

· About Fempreneurs In Action – 15:05

· The advice Joyce would give to her younger self – 16:59

· Joyce’s definition of The Wealth Cornerstones – 18:42

Contact Joyce Osei and buy the book:

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 - 03:50

· What Transition is and why Keji supports individuals during this stage - 05:40

· How going through the Transition period give you an upgrade in identity - 09:02

· The 3 steps to focus on when going through Transition: Playback, Pause and Progress - 10:50

· Grief and Transition - 13:20

· You cannot manipulate your season - 15:03

· How Keji supports her clients - 19:56

· Keji’s talks about her forthcoming book - 21:48

· Keji’s definition of The Wealth Cornerstones [Keji make reference to the following Bible verse: 3 John 1:2] - 23:52

· Final words from Keji about the phase after transition - 29:18

Contact and work with Keji Castano:

About Makala Green:

Makala Green is a successful financial expert, money motivational speaker, and wealth coach and is prestigiously recognised as the first black female Chartered Financial Planner in the UK. She has over 17 years’ extensive experience in Wealth Management and Financial Services and is the Founder and Managing Director of Green Wealth Planning Ltd, which was established in 2015 to help Private Individuals, Business Owners and Entertainment Professionals achieve future financial security.

Key discussion points from this episode include:

· Makala’s motivation for pursuing a career in financial services - 02:44

· The role of a financial planner is in an individual’s wealth journey - 07:37

· How Makala supports her clients - 12:02

· Becoming the first black female Chartered Financial Planner in the UK - 12:56

· Makala’s advice to the young black woman who is considering a career in the financial planning profession - 17:33

· The advice Makala would give to her younger self - 21:17

· Makala’s definition of The Wealth Cornerstones - 22:51

Contact and work with Makala Green:

About Patricia Chinyoka:

Patricia Chinyoka is a highly experienced and dedicated Equality, Inclusion and Diversity Consultant with a wealth of experience in diversity and inclusion with the ability to influence and drive change within large organisations.

Chartered Institute of Personnel and Development (CIPD) qualified with many years of experience, Patricia has excellent exposure to multi-national work cultures and a strong track record of developing, implementing, and monitoring programmes that progress inclusion, cultural change, and leadership accountability.

She provides advice and guidance on inclusion strategies, recruitment and progression, succession planning/talent management processes, leadership support and anti-racism consultation. Patricia’s varied expertise includes speaking at external events, providing consultation and coaching to Executive Committee teams (ExCo), senior management teams, HR/D&I teams, Diversity Champions and Employee Resource Groups across public and private sector organisations including FTSE 100.

In her spare time, Patricia volunteers for Care for Someone a charity she founded which supports children to continue their education in Zimbabwe.

Key discussion points from this episode include:

· Why Patricia decided to focus on diversity and inclusion – 03:57

· The work of Business In The Community (BITC) - 06:35

· Strategies that Patricia has seen work well in organisations - 10:37

· How Patricia supports women in Zimbabwe - 17:56

· The advice Patricia would give to her younger self – 24:23

· Why business should focus on making a difference in the communities that they operate in – 27:53

· Patricia’s definition of The Wealth Cornerstones – 34:18

Contact Patricia Chinyoka:

Email: info@careforsomeone.org.uk

Follow The Wealth Conversation:

About Dumi Senda:

Coach Dumi (Dumi Senda), known as the “rags to impact coach” went from a life of menial labor with little prospects to Oxford MSc graduate and globally renowned diversity and inclusion (D&I) expert and coach. He draws on his personal experience with social mobility to help organisations achieve meaningful workplace D&I and individuals to overcome limitations and maximise their personal and professional growth. He has worked with top global organisations such as the UN, Bank of England, Goldman Sachs, and Google among others, and has been recognized by the office of the UK Prime Minister Boris Johnson for impact on D&I. He was formerly Head of Student Attraction & Alumni Engagement with SEO London, a non-for-profit which helps broaden employment access into the corporate sector for people from under-represented backgrounds. He later consulted on a freelance basis for D&I organisations such as The Diversity Practice, Black British Business Awards and The Network of Networks (TNON). He has just accepted a role as Head of Growth & Innovation (D&I) with Righttrack Learning, a leading company that provides bespoke D&I and leadership training for organisations across the world.

Key discussion points from this episode include:

· Coach Dumi shares more about himself and his background – 2:52

· Why Coach Dumi kept developing himself – 5:04

· Why diversity and inclusion is important to Coach Dumi – 9:44

· Embracing stepping into your discomfort zone – 12:51

· Using your past experiences to challenge limiting beliefs –

· How Coach Dumi supports individuals – 16:40

· Coach Dumi shares his perspective on stepping away from the tribe when following your calling – 19:58

· What we can learn from the Chinese Bamboo – 25:45

· Coach Dumi’s advice to his younger self – 26:45

· Coach Dumi’s definition of The Wealth Cornerstones – 29:47

Contact and work with Coach Dumi: 1-2-1 life, career and leadership coaching to professionals and young people and group coaching to aspiring coaches.

About Lorlett Hudson FRSA:

Lorlett is the Founder and CEO of One Hand Can’t Clap. A multi-award winning learning and development Enterprise in the UK. Operating with a purpose to transform high performing African Caribbean senior professionals into exceptional leaders who are lit by their lives and are excited by what is possible for them. She is an original thinker, a multi-award winning entrepreneur, innovator, an executive and transitional coach whose ideas have transformed the effectiveness and quality of life for many individuals and organisations.

Lorlett began a journey of leadership and creativity through cultural heritage 21 years ago with an innovative use of ancient wisdom which many felt had no relevance in the contemporary, but she persevered and breathed life into The Multi-award winning Things Mama Used To Say Jamaican Proverbs cards to solve modern problems, then evolved into The What Next Leadership Programme and now The New England Vision Quests Retreat in Jamaica which reflects the ethos of that wisdom within the culture of Caribbean Heritage.

Key discussion points from this episode include:

· About Lorlett Hudson – 02:04

· The reasons why Lorlett is passionate about support leaders in the African Caribbean community – 02:55

· The meaning behind the name One Hand Can’t Clap – 06:33

· Why Lorlett created the Things Mama Used to Say® cards – 07:33

· What Lorlett’s mother used to say about wealth and money – 11:38

· Vexation money –12:42

· The New England Vision Quests Retreat – 17:36

· The What Next Leadership Programme – 19:43

· The essence of diversity and inclusion – 22:57

· Lorlett’s definition of the Wealth Cornerstones – 25:40

About Ralph and Sophie McBaiden:

Ralph McBaiden is a Chartered Accountant who is passionate about giving back. For years, Ralph has contributed to his community whether by mentoring, providing CV support or most recently co-founding the Open Palm charity. In addition to practising as an Accountant full time, Ralph spends as much of his free time as possible helping young people to become wiser with money. Outside of the world of finance, Ralph is a keen footballer and drone enthusiast.

Sophie McBaiden is a qualified Solicitor and works for a large financial institution. Sophie is passionate about increasing diversity and inclusion in the workplace and has participated in a range of initiatives to help the next generation, from developing work experience programmes and mentoring. Outside of the office, Sophie co-founded a charity, Open Palm, that delivers free life-skills courses to ethnic minority youths, supports under-funded schools and promotes racial equality. In her spare time, Sophie enjoys fitness, cooking and spending quality time with her husband and family.

Key discussion points from this episode include:

· Why Sophie and Ralph set up Open Palm – 06:00

· The reason for calling the charity Open Palm – 09:18

· How the charity is funded – 10:15

· The programmes offered to young people: WYZ Money & WYZ Work – 12:54

· How the charity plans to support children who are above the age limit and the plans to support parents - 18:47

· The one thing Sophie wishes she had learnt about money and careers earlier – 21:15

· How the WYZ Money programme is giving young people the confidence to talk about money with their family – 24:46

· The importance of learning what you should do when things go wrong with your finances – 25:16

· Ralph share his experience with credit card debt – 27:00

· Stay in your financial lane – 29:31

· Paying yourself first and pensions – 31:18

· Sophie and Ralph’s definitions for the Wealth Cornerstones – 37:45

Contact and follow Open Palm:

About Tiritoga Gambe:

Tiritoga Gambe graduated from the DeGroote School of Business with a Masters of Business Administration in 2016. Tiritoga has worked within the financial service industry for over seven years. He worked for the Royal Bank of Canada and The Bank Of Nova Scotia as a Financial Advisor, the top 2 financial institutions of Canada, before joining South Africa's Carrick Wealth in 2018. Tiritoga is passionate about creating lasting generational wealth for Africans. Africans have not been afforded the same wealth preservation techniques as the rest of the world, and he wants to help Africans catch up. For these reasons, Tiritoga returned to Zimbabwe in 2018 to help Africans who have beat all odds to create their wealth, to make sure it lasts for generations to come. Carrick Wealth saw a need in Zimbabwe for Wealth Managers with international knowledge and a global reach, and it was a perfect marriage.

Key discussion points from this episode:

· Limiting knowledge - 13:48

· How limiting knowledge impacted Tiritoga’s finances - 18:48

· The impact of operating in different financial systems - 22:25

· Patient wealth - 25:04

· How limited knowledge affected how I viewed my pension – 26:21

· How Tiri supports clients to understand patient wealth and build generational wealth - 27:34

· The top 3 areas of limiting knowledge that Tiri has come across: risk, confirmation bias and the belief that you do not deserve to be wealthy - 30:21

· Tiri’s definition of wealth for each Wealth Cornerstone - 39:28

Contact Tritoga Gambe:

About Emma Gosling:

Emma Gosling is a Clinical Hypnotherapist & Mindset Mentor who helps high-achieving, & over-giving female founders and executives, to stop short-changing themselves and have more time, fun and money, without the guilt.

In this episode, Emma will be share what over-giving is, why we tend to over-give and how to identify if you are an over giver.

Key discussion points from this episode include:

· What is over-giving? – 03:07

· Emma talks about how over-giving impacts entrepreneurs – 06:40

· Some of the reasons/triggers that may cause us to over-give – 08:17

· How the tribe mentality impacts our giving – 12:23

· How over-giving impacted Emma’s financial and emotional health – 17:02

· Emma breaks down how she supports her clients to overcome over-giving – 21:36

· Some of the signs that could indicate that you are over-giving – 23:31

· Emma’s definition of The Wealth Cornerstones – 28:35

Contact Emma:

About Jabrita Shelton:

Jabrita Shelton is a wife, mother, Published Author, Speaker and Transformation Coach with years as a Trauma Informed Care Professional. Her journey began with brokenness leading as the star feature, from childhood trauma to the mental break that drove her to a psych ward from no longer being able to carry the weight as a strong black woman. After years of her doing intentional root work around healing and becoming to understand her own personal journey, she has been able to transform what once was a daunting story, into one so triumphant, you’d have to see it to believe it. Jabrita Shelton is the CEO of Jabrita Shelton & Co, the Chief Consultant of The M.A.D.N.E.S.S. Method and Mind Your Madness Experience.

Key discussion points from this episode include:

· Why Jabrita developed her method – 03:41

· How Jabrita’s past trauma impacted her relationship with money – 10:39

· Delayed gratification – 14:38

· The impact that trauma can have on your relationship with money – 15:59

· The money conversations that Jabrita has been having with her children – 16:13

· Accept the breakdown, so you can breakthrough – 20:53

· The M.A.D.N.E.S.S Method – 21:31

· The Trauma Autopsy – 27:27

· Tsitsi’s experience with trauma – 29:57

· The one thing you can do today to start the journey to finding yourself again through your trauma – 33:43

· Jabrita’s definition of The Wealth Cornerstones – 36:54

Contact, follow and work with Jabrita: