Honest Money

Warren Ingram

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

  1. HACE 6 DÍAS

    Debtor vs Investor: Two Money Types. Two Blind Spots

    In this episode, Warren Ingram and Pieter de Villiers explore the psychology of money and the different money personalities that influence financial behavior. They discuss the debtor mindset, characterized by avoidance and fear of money, and the investor mindset, which focuses on wealth building and financial discipline. The conversation emphasizes the importance of understanding one's own financial behaviors and beliefs, and the role of coaching and accountability in achieving financial goals. Takeaways Understanding money personalities helps in achieving financial goals.The debtor mindset often leads to avoidance and overspending.Financial coaching can aid in changing negative beliefs about money.Investors need to be cautious of letting money control their lives.Contentment is key to a healthy relationship with money.Building a system can help avoid financial traps.Having a money buddy can provide accountability.Self-awareness is crucial in managing financial behaviors.It's important to take ownership of your financial situation.Life experiences shape our financial beliefs and behaviors. Learn more about Prescient Investment Management here. Send a text Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

    27 min
  2. 31 ENE

    The Hidden Reason Why You Spend or Save Money

    In this conversation, Warren Ingram and Pieter de Villiers discuss the concept of money personalities and how they influence financial behavior. The discussion covers the spender and saver personalities, their characteristics, red flags, and tips for managing these traits effectively. The conversation highlights the need for self-awareness and communication in financial decision-making, especially in relationships where opposites often attract. Takeaways Understanding your money personality is key to financial success.Childhood experiences shape our attitudes towards money.Spenders often live above their means and face lifestyle inflation.Savers may struggle to enjoy their wealth due to guilt around spending.It's important to create a budget that allows for guilt-free spending.Self-awareness can help manage impulsive spending habits.Communication is crucial in relationships with differing money personalities.Setting joint financial goals can help bridge differences between spenders and savers.Creating an environment that reduces temptation can aid in better financial decisions.Reframing money as a tool for meaningful experiences can enhance life satisfaction. Learn more about how Curate Investments can help you here. Send a text Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

    32 min
  3. 10 ENE

    The Final Stage of Entrepreneurship: How to Exit a Business Successfully

    In this episode, Warren Ingram and Pieter de Villiers discuss the critical aspects of exiting a business, including preparation for sale, navigating the transition, and financial planning post-sale. They speak to the importance of understanding the emotional and financial implications of selling a business, as well as the need for proper valuation and tax considerations. The conversation also touches on the challenges entrepreneurs face in retirement and the necessity of adapting to a new financial landscape after selling a business. Takeaways The exit is often the culmination of an entrepreneur's life work.Buyers are emotionally detached; focus on financials.Proper tax planning is crucial before selling a business.Understand the true value of your business before selling.Be clear about your role post-sale and expectations.Consider the emotional impact of selling on yourself and your team.Financial planning post-sale requires a different mindset.Investing after selling a business requires humility and learning.Seek professional advice for financial planning and investments.Don't hesitate to ask for help from fellow entrepreneurs. Learn more about Prescient Investment Management here. Send a text Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

    35 min
  4. 3 ENE

    From Survival to Sustainability: What South African Business Owners Must Get Right

    In today's episode, Warren Ingram and Pieter de Villiers discuss the critical stages of business maturity, focusing on key considerations for business owners as they transition from survival to sustainability. They cover essential topics such as key person risk, staff compensation, financial health, client engagement, hiring for culture, buy and sell agreements, and the importance of intentional business practices. Our hosts emphasize the need for entrepreneurs to invest in their people and culture, navigate challenges, and plan for the future, including estate planning and remuneration strategies for founders. Takeaways You want to make sure at the very least you've got some company life assurance.You should have a history of paying good sufficient tax.Don't lose sight of talking to your clients.You want to be honest about what's going on.You need to be intentional about what you were doing.You need to listen to your employees.The challenges will always be there.You want that stuff written down.You should be very intentional now about the transition of ownership. Learn more about how Curate Investments can help you here. Send a text Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

    35 min
  5. 27/12/2025

    Getting the Foundations Right: Financial and Compliance Basics for South African Entrepreneurs

    In this episode, Warren Ingram and Pieter de Villiers discuss the essential steps and considerations for entrepreneurs who have recently started their businesses. They cover practical aspects such as financial planning, compliance, and the importance of hiring and delegating tasks. The conversation emphasizes the need for a sustainable business structure, effective time management, and the long-term strategy for growth.  Takeaways Starting a business requires careful planning and consideration.The early stages of a business are often the toughest.Financial planning is crucial for business owners.Don't neglect personal financial responsibilities as a business owner.Investing in your business can yield higher returns than other investments.Compliance and tax planning are essential for sustainability.Building a strong team is vital for business growth.Effective time management is key to avoiding burnout.Creating systems and processes can enhance business efficiency.Long-term strategy is important for future growth and success. Learn more about Prescient Investment Management here. Send a text Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

    36 min
  6. 20/12/2025

    Starting a Business in South Africa: What Every New Entrepreneur Needs to Know

    In this episode, Warren Ingram and Pieter de Villiers explore the multifaceted journey of entrepreneurship, from the initial stages of starting a business to the complexities of managing and eventually exiting a business. They discuss the importance of understanding one's motivations, the realities of being an entrepreneur, and the significance of discipline over mere motivation.  Takeaways Entrepreneurship requires a clear understanding of personal motivations.The initial phase of a business often involves hard work and low income.Discipline is crucial for long-term success in entrepreneurship.It's important to test business ideas with experienced individuals.Legal structures should be considered when planning for growth.A sustainable business is built on processes that work independently of the owner.Lifestyle businesses differ from growth-oriented businesses in their goals.Cash flow management is essential during the transition to entrepreneurship.Surrounding yourself with the right people can provide valuable insights.Don't rush into entrepreneurship without proper planning and preparation. Learn more about how Curate Investments can help you here. Send a text Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

    34 min

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

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