From Roots To Froots

Roots To Froots
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Financial Wellness for All! Welcome to your new go-to resource for financial education and empowerment. Whether you're an individual looking to improve your personal finances, a startup navigating the financial landscape, or a corporate professional seeking to enhance your financial wellness, our podcast offers valuable insights and practical advice to help you achieve financial stability and the peace of mind we all deserve. -What we will cover: Personal Finances: Tips on budgeting, saving, investing, and managing debt to help you take control of your financial future.Startups: Guidance on funding, financial planning, and growth strategies to support your entrepreneurial journey.Corporate Financial Wellness: Strategies to promote financial wellness within your organisation, including employee benefits, retirement planning, and financial education programs. This podcast is hosted by esteemed financial wellness coach and qualified accountant Arlyne Chinyanganya. Arlyne, 2024 Top 50 Women in Accounting, a qualified accountant with over 12 years experience and Founder of Roots to Froots financial wellness. Roots to Froots mission is to give people a forum and the confidence to discuss finance. We make people comfortable talking about money and provide honest, clear advice.Arlyne, the driving force behind Roots to Froots, envisions a fun and friendly approach to financial education. With a passion for spreading financial knowledge and eradicating the stress associated with money matters, Arlyne serves as a beacon for positive change. She is an award-winning entrepreneur, business development consultant, speaker, and business coach committed to the growth of small businesses and startups in Africa and the UK. She consults on investor readiness, business planning, marketing and consulting services for start-ups.Additionally, Arlyne hosts panels & networking events particularly for CIMA as a Women in Leadership (WIL) ambassador to attract more women into the profession. Arlyne has hosted workshops for Foundervine, University of Arts London, giffgaff, O2, and moderated on the UK Black Business show! Hosted on Acast. See acast.com/privacy for more information.

  1. 5D AGO

    58. Teaching Children About Money Through Play | Christina Lartey

    Guest: Christina Lartey Founder of Think Pieces AXA Startup Angel Runner-Up 2025 📌 EPISODE OVERVIEW What if we made money lessons feel like play — instead of pressure? In this episode of From Roots to Froots, Arlyne sits down with Christina Lartey, founder of Think Pieces, to explore how puzzles, games and interactive learning can transform the way children understand money. From growing up in a household where financial discipline was modelled daily, to studying finance and working in the charity sector, Christina shares how her father and sister shaped her mindset around costs, saving and delayed gratification.Now, she’s on a mission to help children build confidence with money early — so those lessons last into adulthood. ⏱️ CHAPTERS 00:00 – IntroductionWhy financial education needs to start earlier. 03:10 – Growing up with strong money role modelsHow Christina’s father and sister influenced her approach to managing costs and building discipline. 07:45 – Studying finance & working in the charity sectorSeeing firsthand how financial knowledge (or lack of it) shapes life outcomes. 12:30 – Teaching delayed gratification to childrenWhy this one skill changes everything long-term. 16:50 – Making money funHow puzzles and interactive tools reduce fear and intimidation. 25:20 – Why parents love the puzzles tooUnexpected engagement across generations. 35:40 – Working with schoolsBringing structured financial literacy into classrooms. 39:30 – Building a tech productWhat’s next for Think Pieces. KEY TAKEAWAYS 🧠Financial habits are often shaped at home — long before adulthood. 🧠Delayed gratification is one of the strongest predictors of financial resilience. 🧠Children engage more deeply with finance when learning feels like play. 🧠Parents often feel excluded from financial education — interactive tools create shared learning. 🧠Early financial literacy can help reduce future inequality. 🧠Christina is expanding from physical learning tools into technology to scale impact. QUOTE FROM THE EPISODE “Money doesn’t have to feel intimidating. When it feels like a game, children lean in — not away.” WHO THIS EPISODE IS FOR - Parents wanting to teach their children about money- Teachers and school leaders - Anyone interested in intergenerational wealth building - Founders building purpose-driven businesses - People who wish they had learned about money earlier 🔔 CONNECT WITH US 🎧 Subscribe for more conversations on money, power, and financial confidence. 💬 Share this episode with a parent or educator. 👍 Like & comment to support the show. 🔗 Connect With Christina on linkedin https://www.linkedin.com/in/christina-lartey-388820a1/ 🔗 Follow Think Pieces https://www.thinkpieces.co.uk --- Thank you to our partner ⁠⁠⁠PensionBee⁠⁠⁠ a leading online pension provider who are on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. ⁠⁠⁠Self-employed ⁠⁠⁠pension savers can even open a flexible pension plan, contributing as often or as little as they like. Their website and award-winning app make retirement planning simple with helpful tools like their Pension Calculator, blogs, videos and their ⁠⁠monthly podcast⁠⁠ - The Pension Confident Podcast. 🎧 Take control of your retirement today with PensionBee. When investing, your capital is at risk. Follow Roots to Froots: ⁠⁠⁠Instagram⁠⁠⁠ & ⁠⁠⁠TikTok⁠⁠⁠ Connect with Arlyne: ⁠⁠⁠LinkedIn⁠⁠⁠ Other Useful Links: ⁠⁠⁠Roots⁠⁠⁠ To Froots Homepage Order your free budget template ⁠⁠⁠here⁠⁠⁠ Keep Shining 🚀🤩

    47 min

  2. FEB 18

    57. You are richer than you think!

    When was the last time you genuinely thought of yourself as rich? Not “doing okay.” Not “comfortable.” But rich. For many of us in the UK, the word feels distant — reserved for penthouses, trust funds, or six-figure salaries. And yet, globally and structurally, many of us are far wealthier than we realise. This episode isn’t about dismissing financial stress. It’s not about ignoring the cost-of-living crisis. And it’s definitely not about pretending money doesn’t matter. It’s about perspective. In this reflective, empowering conversation, Arlyne explores what “rich” really means — beyond bank balances and comparison culture — and why so many of us underestimate our position in the world. You’ll hear about: The difference between absolute wealth, relative wealth, and perceived wealth How UK earnings compare globally — and why that context matters Why earning more doesn’t always translate into feeling rich The psychological side of money and comparison And the overlooked forms of wealth: time, health, community, knowledge and choice This episode invites you to zoom out, rebalance the story you tell yourself about success, and recognise abundance without guilt. Because recognising what you already have doesn’t mean you stop striving. It means you stop shrinking yourself. You are probably richer than you think. If this episode resonated: 👍 Like the video 🔁 Share it with someone you love 💬 Join the conversation in the comments Because awareness is always the first step to change. --- Thank you to our partner ⁠⁠PensionBee⁠⁠ a leading online pension provider who are on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. ⁠⁠Self-employed ⁠⁠pension savers can even open a flexible pension plan, contributing as often or as little as they like. Their website and award-winning app make retirement planning simple with helpful tools like their Pension Calculator, blogs, videos and their ⁠monthly podcast⁠ - The Pension Confident Podcast. 🎧 Take control of your retirement today with PensionBee. When investing, your capital is at risk. Follow Roots to Froots: ⁠⁠Instagram⁠⁠ & ⁠⁠TikTok⁠⁠ Connect with Arlyne: ⁠⁠LinkedIn⁠⁠ Other Useful Links: ⁠⁠Roots⁠⁠ To Froots Homepage Order your free budget template ⁠⁠here⁠⁠ Keep Shining 🚀🤩

    18 min

  3. FEB 11

    56. Are Student Loans Fair

    “Recently, Rachael Reeves said that student loans are fair.And when I heard that, I paused.” Because fairness depends on who holds the risk and who holds the power. In this episode, Arlyne breaks down the UK student loan system, how it has changed over time, and why many graduates feel the rules shifted after they signed up. This is not about blame, regret, or shaming anyone for going to university. It’s about transparency, informed consent, and whether today’s system still reflects what students were originally promised. 02:30 – Intro: Are student loans really “fair”? Why the idea of fairness deserves closer inspection. 06:05 – How UK higher education used to work When university was free — but not accessible. 07:00 – 2012 and the birth of Plan 2 loans The moment tuition fees jumped to £9,000 and the promises students were given. 09:02 – How the system works today Repayment thresholds, interest rates, and why balances can grow even while you pay. 11:00 – Why fairness starts to unravel Rule changes, frozen thresholds, and unequal risk. 12:30 – Arlyne’s personal experience Why she chose to overpay her loan — and why many can’t. 16:00 – Final thoughts: fairness for who?Why this conversation matters — and why it’s long overdue. UK student loans have shifted from state-funded education to individual financial risk Many borrowers were told: Fees wouldn’t usually be £9,000 Repayment thresholds would rise with earnings In reality: Almost all universities charge the maximum Thresholds are frozen until at least 2030 Interest can accrue faster than repayments Women — are disproportionately affected due to: Pay gaps Career breaks Part-time work The government acts as both lender and rule-maker, unlike regulated banks The central question isn’t affordability.It’s whether informed consent truly existed. Pre-1998: University free, limited access 1998: £1,000 tuition fees introduced 2006: Fees rise to £3,000 2012: Plan 2 introduced, fees up to £9,000 2025+: Thresholds frozen, interest compounds, repayments extend for decades Graduates confused about why their balance isn’t going down Parents trying to understand what their children are signing up for Anyone questioning whether the current system is fair or sustainable Policymakers, educators, and employers who care about trust and participation “Fairness isn’t just about access. It’s about transparency, stability, and informed consent. Eighteen-year-olds deserve clarity not shifting goalposts.” If this episode resonated: 👍 Like the video 🔁 Share it with someone affected by student loans 💬 Join the conversation in the comments Because awareness is always the first step to change. --- Thank you to our partner ⁠PensionBee⁠ a leading online pension provider who are on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. ⁠Self-employed ⁠pension savers can even open a flexible pension plan, contributing as often or as little as they like. Their website and award-winning app make retirement planning simple with helpful tools like their Pension Calculator, blogs, videos and their monthly podcast - The Pension Confident Podcast. 🎧 Take control of your retirement today with PensionBee. When investing, your capital is at risk. Follow Roots to Froots: ⁠Instagram⁠ & ⁠TikTok⁠ Connect with Arlyne: ⁠LinkedIn⁠ Other Useful Links: ⁠Roots⁠ To Froots Homepage Order your free budget template ⁠here⁠ Keep Shining 🚀🤩

    20 min

  4. FEB 4

    55: Change your financial destiny through investing with Maike Currie

    🎙️ Change Your Financial Destiny With Investing Guest: Maike Currie – VP of Personal Finance at PensionBee | Author | Financial Journalist What does it really take to change your financial destiny? In this episode of From Roots to Froots, Arlyne is joined by Maike Currie, VP of Personal Finance at PensionBee and author of The Search for Income, for a wide-ranging and honest conversation about pensions, investing, behaviour and long-term financial security. With over 20 years of experience spanning journalism, pensions, asset management and personal finance, including roles at Investors’ Chronicle and across UK and South African financial systems. Maike brings clarity to some of the most misunderstood areas of money. Oh… and we also play Jenga. Let’s just say Maike is very competitive. --- 💡 In This Episode, We Cover: 🧭 Maike’s Journey - How Maike moved from financial journalism to shaping pension confidence at PensionBee - What working across the UK and South African financial systems taught her about access, inequality and education - Why simplifying pensions and investing became her mission 🧠 Money, Behaviour & Retirement Reality 💰The hardest financial concepts for everyday people to grasp 💰The biggest misconceptions about pensions and retirement ⚡️Maike’s viral “yellow coat” moment responding to the Budget 📘 What policymakers could do to rebuild trust in pensions 🎯 Key Takeaway Changing your financial destiny isn’t about timing the market or chasing trends — it’s about understanding your options, trusting the process, and staying invested for the long term, even when the rules feel uncertain. --- 🔗 Connect With Maike on linkedin https://www.linkedin.com/in/maike-currie-7aa2b311/ 🔗 Follow Maike’s work at PensionBee 🔗 Find her book 'The Search for Income' 🔗 Stay up to date with her commentary on pensions, investing and financial wellbeing --- Thank you to our partner PensionBee a leading online pension provider who are on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. Self-employed pension savers can even open a flexible pension plan, contributing as often or as little as they like. Their website and award-winning app make retirement planning simple with helpful tools like their Pension Calculator, blogs, videos and their monthly podcast - The Pension Confident Podcast. 🎧 Take control of your retirement today with PensionBee. When investing, your capital is at risk. Follow Roots to Froots: Instagram & TikTok Connect with Arlyne: LinkedIn Other Useful Links: Roots To Froots Homepage Order your free budget template here Keep Shining 🚀🤩

    1h 5m

  5. JAN 1

    54. 2025 Review & 2026 Money Reset

    As we step into 2026, many people are setting financial goals: save more, invest better, stop living pay-to-pay. But if 2025 taught us anything, it’s this wealth is rarely built through one big decision. It’s built through small, consistent habits, repeated over time.In this reflective solo episode, Arlyne Chinyanganya, Founder of Roots to Froots and host of From Roots to Froots, shares the two most powerful money lessons she’s learned from working with individuals and families throughout 2025:1. Money success is behavioural, not mathematical2. Tracking and awareness create controlIf you’re serious about growing your wealth and building a healthier relationship with money, 2026 isn’t about doing more — it’s about doing better.What You’ll Learn in This Episode• Why wealth starts with awareness, not willpower• How tracking your money creates clarity without shame• The real reason high earners still struggle financially• Why starting small beats waiting to feel “ready”• How long-term thinking and simple habits lead to sustainable wealthArlyne breaks down why paying attention to your money matters more than earning more, and how compounding, patience, and consistency outperform quick wins every time.Key Habits to Take Into 2026• Spend 10 minutes a week reviewing your finances no judgement, just facts• Focus on consistency over perfection• Start where you are it’s never too late to build wealthWhether you’re just beginning your financial journey or looking to reset after a challenging year, this episode will help you approach 2026 with clarity, confidence, and intention.🎧 Listen now and start building wealth from the roots up.

    28 min

  6. 12/11/2025

    53. How I Grew A Property Portfolio In The UK | Julianah Owusu

    Episode 53 is here, and we’re diving deep into the world of property investment and development with Julianah Owusu — founder of Property By Jewels. Julianah has spent years building her expertise in property, from buy-to-let to development, and today she opens up about the mindset, challenges, and strategies behind her journey. In this episode, we explore:Julianah’s Journey 🚀How she started her path into property investing and development 🚀The moment she found the confidence to build her own business 🚀Her attitude towards money and wealth-building 🚀The biggest challenges she has faced as a property developer Property Investing: What You Need to Know 💰How much money you actually need to get started 💰Unexpected costs new investors are often shocked by 💰How economic changes, inflation and interest rates have impacted the property world 💰The different property investment routes and strategies The most common mistakes new investors make! 📚Julianah’s book recommendation: The Bible 📚Insight into her mentorship programme How you can connect with Julianah: Linktree: https://linktr.ee/propertybyjewels Whether you're thinking about your first investment or looking to grow your portfolio, this conversation gives you practical guidance and real-life wisdom from someone who’s walked the path. Listen, learn, and take your financial journey to the next level.

    47 min

  7. 12/03/2025

    52. From Trader to Entrepreneur with Matthew Addai

    In this episode, we sit down with Matthew Addai — entrepreneur, day trader, and the visionary cofounder of CashBlack & Afrofiliate, the UK’s first cashback platform dedicated to supporting Black-owned businesses.**Matthew shares how a simple idea born from his trading background grew into a powerful economic engine designed to keep more pounds circulating in the Black community. From mindset to money, business ecosystems to generational wealth, this conversation is full of gems. 💎What We Cover in This Episode🔥 The origin story of Cash Black🔥 How Matthew went from day trading to founding a fintech platform🔥 The huge spending power of the Black community — and why it rarely stays within it🔥 How cashback rewards can drive real economic change🔥 Navigating entrepreneurship while building a mission-driven brand🔥 Why supporting Black-owned businesses is bigger than just “being Black”🔥 The mindset shifts that help people grow wealth🔥 Matthew’s long-term vision for Cash Black and community empowerment His mission? To build a stronger economic ecosystem for Black communities through everyday spending.🔗 Connect With MatthewWebsite: https://www.cashblack.comInstagram: @cashblackhqLinkedIn: https://www.linkedin.com/in/mattyaddai/🌱 About From Roots to FrootsFrom Roots to Froots is a financial wellbeing platform empowering individuals, families and communities with real, relatable conversations about money, wealth-building and financial confidence. Hosted by Arlyne Chinyanganya.❤️ If you enjoy the episode…✔️ Like✔️ Comment✔️ Subscribe✔️ Share with someone building wealth!

    48 min

  8. 11/26/2025

    51. Art of The Pivot: From Accountant to Entrepreneur

    From Accountant to Entrepreneur | My Honest Career Change Story. In this video, I share the real, unfiltered journey of pivoting from a stable finance career to launching my own financial wellness company, Roots to Froots.If you’ve ever felt called to change direction — even later in life — but fear, uncertainty, or imposter syndrome held you back… this one is for you. 💛We explore:🔸 Why I pivoted after 12+ years in finance🔸 The emotional and practical challenges of starting a business🔸 How to discover and define your “why”🔸 The realities of winning contracts & attracting sponsors🔸 The role of resilience and what kept me going🔸 Lessons for accountants and professionals considering a switch🔸 What I wish I knew before taking the leapWhether you’re thinking about starting a business, switching industries, or rediscovering your purpose, this conversation will give you clarity, courage, and direction.✨ You’re not behind. You’re right on time.And your next chapter might just be your most powerful one.⸻🙌 Join the conversation!Comment below: Are you considering a career pivot? What’s holding you back?Subscribe for more content on career transitions, financial wellness, and building the life you want.#CareerPivot #EntrepreneurJourney #AccountingToEntrepreneur #RootsToFroots #WomenInBusiness #FinanceCareer #CareerChange #BusinessJourney #Motivation #FinancialWellness

    19 min
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About

Financial Wellness for All! Welcome to your new go-to resource for financial education and empowerment. Whether you're an individual looking to improve your personal finances, a startup navigating the financial landscape, or a corporate professional seeking to enhance your financial wellness, our podcast offers valuable insights and practical advice to help you achieve financial stability and the peace of mind we all deserve. -What we will cover: Personal Finances: Tips on budgeting, saving, investing, and managing debt to help you take control of your financial future.Startups: Guidance on funding, financial planning, and growth strategies to support your entrepreneurial journey.Corporate Financial Wellness: Strategies to promote financial wellness within your organisation, including employee benefits, retirement planning, and financial education programs. This podcast is hosted by esteemed financial wellness coach and qualified accountant Arlyne Chinyanganya. Arlyne, 2024 Top 50 Women in Accounting, a qualified accountant with over 12 years experience and Founder of Roots to Froots financial wellness. Roots to Froots mission is to give people a forum and the confidence to discuss finance. We make people comfortable talking about money and provide honest, clear advice.Arlyne, the driving force behind Roots to Froots, envisions a fun and friendly approach to financial education. With a passion for spreading financial knowledge and eradicating the stress associated with money matters, Arlyne serves as a beacon for positive change. She is an award-winning entrepreneur, business development consultant, speaker, and business coach committed to the growth of small businesses and startups in Africa and the UK. She consults on investor readiness, business planning, marketing and consulting services for start-ups.Additionally, Arlyne hosts panels & networking events particularly for CIMA as a Women in Leadership (WIL) ambassador to attract more women into the profession. Arlyne has hosted workshops for Foundervine, University of Arts London, giffgaff, O2, and moderated on the UK Black Business show! Hosted on Acast. See acast.com/privacy for more information.

Information

  • Creator
    Roots To Froots
  • Years Active
    2024 - 2026
  • Episodes
    58
  • Rating
    Clean
  • Copyright
    © Roots To Froots
  • Show Website
    From Roots To Froots