Honest Money

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

  1. 1 HR AGO

    Buying vs Renting Property In Cape Town

    In this episode of Honest Money, Warren Ingram and Pieter de Villiers explore the complex considerations behind buying versus renting property, especially in high-value markets like Cape Town. They discuss lifestyle versus investment goals, market risks, costs involved, and how personal circumstances influence these decisions. Timestamps: 00:23 - Q&A scenario: Paid-off Durban property and considering Cape Town01:35 - Property as a side hustle versus primary occupation02:32 - Market trends in Cape Town and why historical performance isn't a guarantee03:54 - The debate: property as an investment vs. lifestyle choice04:24 - Advantages of ownership for lifestyle versus investing motives05:23 - Common regrets about property investment from retirees06:18 - Capital growth and cash flow strategies in different markets like Cape Town and Johannesburg07:12 - Structuring property ownership: trusts, personal names, and portfolios07:41 - How long to hold property and the importance of testing the waters08:37 - Lifestyle vs. investment: All about personal goals and market research09:06 - Challenges of managing property and related costs10:22 - Municipal rates and rising costs in Cape Town11:20 - Transaction costs, legal fees, and the true expenses of buying and selling12:15 - Mortgages, deposit strategies, and bank offers12:45 - The rising cost of property ownership and the importance of planning for it14:10 - Comparing property investment to stock market investing16:24 - Simplicity in life: personal preference for low-debt property ownership16:52 - Planning for future property investments and lifestyle goals17:21 - Final advice: patience, research, and understanding market nuances Learn more about how Curate Investments can help you here. Send us Fan Mail 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

    20 min

  2. 16 MAY

    How To Build A Simple Retirement Income Plan In SA

    In this episode, Warren Ingram and Pieter de Villiers explore retirement income strategies, focusing on how to structure your investments during the accumulation phase and transition into retirement. It emphasizes the importance of simplicity, proper planning, and tax efficiency in managing retirement funds. Chapters 00:00 Introduction and Episode Context01:20 Retirement Income Strategies for Accumulating Wealth02:20 Structuring Multiple Retirement Accounts and ETFs04:17 The Importance of Simplicity in Retirement Planning08:34 Managing Living Annuities and Discretionary Assets12:36 Tax-Efficient Income Strategies in Retirement14:27 Creating a Simple, Effective Retirement Plan16:01 Closing Remarks Learn more about Prescient Investment Management here. Send us Fan Mail 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

    19 min

  3. 9 MAY

    What To Do With A Large Lump Sum of Money In South Africa

    In this episode, Warren Ingram & Pieter de Villiers answers listener questions on personal finance, covering topics like debt management, investment diversification, and offshore investing strategies. Gain practical insights to optimize your financial planning and investment approach. Chapters 00:00 Introduction and Listener Questions Overview00:23 Should I Pay Off My Car or Invest? Key Considerations02:07 Psychological vs Financial Benefits of Debt Repayment04:31 Planning for Child’s Education and Retirement Savings06:01 The Psychology of Debt and Long-Term Wealth Building07:31 Car Loans: To Pay Off or Keep Debt for Flexibility08:49 Celebrating Financial Discipline and Parenting Efforts09:18 Investing R2 Million from Property Sale: Offshore or Local?10:54 Diversification: Local vs Global Assets13:07 How to Invest Offshore: Strategies and Considerations16:18 Long-Term Global Equity Investing: Risks and Rewards18:29 Closing Remarks and Listener Engagement Learn more about how Curate Investments can help you here. Send us Fan Mail 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

    21 min

  4. 2 MAY

    How To Build A Simple Local ETF Portfolio In SA

    In this episode, Warren Ingram and Pieter de Villiers discuss the nuances of investing in ETFs, active management, and the potential of individual stock picking for young investors. They explore strategies for diversification, the importance of simplicity, and how to approach local and global markets effectively. Chapters 00:00 Introduction and Episode Overview00:15 Guest Introduction and Main Topics01:08 Current Portfolio Breakdown and Fees02:06 Should Young Investors Pick Individual Stocks?03:53 The Time and Effort Required for Stock Picking05:41 The Challenges of Stock Picking and Professional Limitations06:48 Active vs. Passive Management: Global Performance Insights08:07 Psychological Aspects of Buying and Selling Stocks09:04 The 5% Risk Rule for Individual Stocks and Crypto09:33 Diversification and Sector Exposure10:27 Learning from Fund Managers and ETF Selection11:06 Avoiding Hype and Market Noise11:40 South African ETF Market and Investment Choices13:12 The Overabundance of ETFs and Diversification Tips15:15 Keeping Investment Strategies Simple and Focused17:06 Asset Allocation Principles for Long-Term Goals18:59 The Importance of Following a Consistent Investment Plan19:26 Closing Remarks and Audience Engagement Learn more about Prescient Investment Management here. Send us Fan Mail 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

    23 min

  5. 25 APR

    How To Manage Your Money As A South African Abroad

    This episode, Warren Ingram and Pieter de Villiers address key financial considerations for South Africans moving overseas for work, including tax implications, investment strategies, and practical logistics like banking and medical aid. Chapters 00:00 Introduction and episode overview00:57 Understanding the scope: Work abroad vs immigration01:43 Tax residency and worldwide income taxation02:40 Tax exemptions and foreign tax credits03:32 Managing retirement and investment accounts abroad04:42 Contributing to tax-free savings accounts from overseas05:38 Handling retirement annuities and preservation funds06:28 Practical tips: banking, medical aid, and legal considerations07:18 Legal and inheritance considerations in foreign jurisdictions08:15 Global investing strategies and tax-efficient funds09:12 Medical aid and insurance considerations for expats10:26 Understanding foreign pensions and their impact11:21 Tax implications of foreign income and investments12:13 Avoiding drastic financial decisions when returning to South Africa13:05 Summary of key principles for expat financial planning14:04 Additional tips: property, probate, and legal laws abroad14:57 Continuing contributions to tax-free accounts from abroad15:46 Best practices for international money transfers16:36 Final advice: stay compliant and plan ahead Learn more about how Curate Investments can help you here. Send us Fan Mail 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

    20 min

  6. 18 APR

    The Smart Money Plan Yachties Should Know About

    This episode features a Q&A session with Warren Ingram and Pieter de Villiers discussing investment strategies for South Africans working abroad, the implications of US-domiciled funds, and practical advice for young investors. They also explore how to start investing early, the importance of financial education, and opportunities for yacht crew members to build wealth. Chapters 00:00 Introduction and Q&A Format02:23 Investing for Yacht Crew: A Unique Perspective04:01 Understanding Dollar-Denominated vs. Domiciled Investments07:45 Investment Strategies for Young Professionals11:44 Building Wealth While Living a Luxurious Lifestyle15:38 Encouragement for Young Investors and Closing Remarks Learn more about Prescient Investment Management here. Send us Fan Mail 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

    18 min

  7. 11 APR

    Local vs Offshore: Finding The Right Balance

    In this episode, Warren Ingram and Pieter de Villiers cover how to balance local and offshore exposure in tax-free investment accounts, the differences between global indices like MSCI World and MSCI ACWI, and strategies for long-term diversified investing. Chapters 00:00 Introduction and Purpose of the Show00:29 Audience Engagement and Future Plans01:24 Voice Note 1: Local vs Offshore Exposure in TFSA02:49 Principles of Portfolio Construction and Simplicity04:08 Long-Term Focus and Asset Allocation in Tax-Free Accounts07:28 Tax Implications of Cash and Bond Holdings in TFSA07:57 Index Funds and Passive Investing Strategies08:31 Voice Note 2: MSCI World vs MSCI ACWI - Which to Choose?09:35 When to Switch Funds and Diversification Principles12:46 Understanding Global Equity Indices and Market Exposure14:34 Differences Between MSCI World and MSCI ACWI15:51 Balancing Developed and Emerging Markets in Portfolio16:31 Closing Remarks and Audience Engagement Learn more about how Curate Investments can help you here. Send us Fan Mail 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

    19 min

  8. 4 APR

    Cut Your Investment Fees With These Tricks

    In this episode, Warren Ingram and Pieter de Villiers explore practical financial planning topics, including estate planning, executor fees, and platform costs. They discuss how to optimize estate administration, reduce costs, and choose the right investment platforms, providing valuable insights for listeners looking to improve their financial strategies. Takeaways: Estate planning and executor selectionCost-effective investment platform choicesReducing estate administration fees Learn more about Prescient Investment Management here. Send us Fan Mail 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

    23 min
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About

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

Information

  • Creator
    Warren Ingram
  • Years Active
    2020 - 2026
  • Episodes
    321
  • Rating
    Clean
  • Copyright
    © 2026 Honest Money
  • Show Website
    Honest Money

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