Money Mechanics - With Sarah Poynton Ryan

Sarah Poynton-Ryan
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Money Mechanics: Engineer Your Financial Future Join Sarah Poynton-Ryan, entrepreneur and financial strategist, as she breaks down the essentials of personal finance, debt recovery, and building a stable income in bite-sized 10-15 minute episodes. Based on the core teachings from her acclaimed book Money Mechanics, this podcast reveals the low-risk debt strategies and investment insights used by the wealthy to achieve financial independence. From stabilising your income and overcoming debt to preparing for and starting your investment journey, Money Mechanics equips beginners with actionable steps to take control of their financial future. Perfect for anyone ready to engineer their money and live a life of true freedom.

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  1. Money Mechanics - Mark Wright & Sarah Poynton

    EPISODE 1

    Money Mechanics - Mark Wright & Sarah Poynton

    In this episode of the Money Mechanics podcast, Sarah Poynton-Ryan interviews Mark Wright, a successful entrepreneur and winner of the BBC's The Apprentice. Mark shares his journey from humble beginnings to financial success, discussing his early memories of money, the importance of self-education, and the mindset required for wealth building. He emphasises the significance of risk-taking, overcoming fear, and the cultural beliefs surrounding money. Mark also reflects on the impact of AI on business and the balance between health and wealth. The conversation concludes with insights on defining enough money for a comfortable life and advice for aspiring entrepreneurs.Don't forget to join Money Mechanics Weekly. Your weekly newsletter that will help you understand money, investing, cash flow, debt and personal finance. It's FREE, and you can join here www.sarahpoynton.com/newsletter Biggest Takeaways Mark's earliest memory of money was the feeling of not having enough. Understanding money is like learning a new language. Self-education in finance is crucial for success. Surrounding yourself with ambitious people is key. Risk-taking is essential for financial growth. People often fear discussing money due to societal norms. Mistakes in hiring can be costly in business. Health and fulfilment are as important as wealth. Cultural beliefs about money can limit financial success. AI will impact all industries, and embracing it is vital. "You have to have a level of risk to make money.""Money creates freedom.""Money does buy a level of happiness."Chapters00:00 Introduction to Mark Wright's Journey03:04 Early Memories and Lessons About Money05:53 The Importance of Self-Education in Finance08:28 Risk-Taking and the Psychology of Money11:14 Overcoming Fear and Embracing Financial Conversations14:04 Mistakes and Learning Experiences in Wealth Building17:04 The Role of Health and Fulfilment in Wealth19:40 Cultural Beliefs and Mindsets About Money22:19 The Impact of AI on Business and Wealth25:28 Defining Enough Money for a Comfortable Life27:57 Final Thoughts and Advice for Aspiring EntrepreneursMoney, entrepreneurship, financial education, risk-taking, wealth building, mindset, AI, self-education, success, personal finance, debt

    50 min
  2. How Your Identity Shapes Your Money with Shari Teigman

    EPISODE 2

    How Your Identity Shapes Your Money with Shari Teigman

    Money Mechanics Podcast - Series 2 - Episode 2: How Your Identity Shapes Your Money with Shari Tiegman What if the biggest thing holding you back financially… is not your bank account, but your identity? Today on the Money Mechanics Podcast, Sarah sits down with the incredible Shari Tiegman, mindset mentor, creative strategist, and the woman who made Sarah cry (in a good way) at Wembley. This conversation goes deep into the emotional, psychological, and behavioural patterns that impact how we earn, spend, save, invest, and repeat cycles we think we “should” have outgrown by now. If you have ever:  • felt stuck in a money pattern you KNOW is hurting you  • struggled to raise your prices or believe you are “worth” more  • repeated the same financial behaviours even when you know better  • feared success more than failure  • hesitated to start investing because you feel like a beginner  • felt guilt, shame, pressure, or panic around money  • compared yourself to others online  • wondered why you do not feel successful even when the numbers look good …this episode is for you. 🔥 What We Talk About in This Episode • Shari’s earliest money memory and how it shaped her beliefs around “right vs wrong” • How childhood stories and family history silently influence your money habits • Divorce, losing everything, and rebuilding, emotionally AND financially • The moment Shari had a literal “price tag” placed on her worth and how it impacted her income for years • Why smart people don’t always make money, but good marketers do • Why we stay stuck in financial patterns even when we know they are harming us • Identity, worthiness, and the emotional side of earning more • The mindset shift needed to break the minimum-payment cycle and step into wealth • Why raising your prices is not about greed, it is about alignment • How social media distorts your view of success and money • Why we fear becoming the “next level” version of ourselves • How to reverse-engineer your goals so you stop sabotaging your financial growth • Why most people panic after hitting a big financial milestone • Why money is an amplifier, not a solution • How to stop outsourcing your power when making investments or business decisions • Practical ways to break long-held habits around overspending, underearning, and avoidance • The emotional and practical side of getting started investing 💸 Who This Episode Is Perfect For If you are searching for help with: money mindset, how to clear debt, why I self-sabotage with money, how to start investing, fear of success, breaking financial patterns, wealth mindset, beginner investor help, women and money, identity and finances, emotional spending, …you will absolutely love this conversation. 🧠 About Today’s Guest, Shari Tiegman Shari Tiegman is a mindset mentor and creative strategist for business owners who want to break patterns, unlock creativity, and step into their next evolution. She blends emotional intelligence, identity shifts, mindset rewiring, and creativity to help people stop sabotaging their own growth - financially and personally. 👉 Instagram: https://www.instagram.com/shariteigman/ If you reach out, tell her you heard her on the Money Mechanics Podcast. She will love it. 👉 Website: https://shariteigman.com 📨 Get the Free Weekly Money Mechanics Newsletter If you loved this episode, you are going to want the weekly newsletter, too. It is completely free and gives you: • simple, jargon-free market updates  • real examples from Sarah’s own investment portfolio  • tips on money, investing, and building financial confidence  • actionable insights to help you make your money work harder Join here: www.sarahpoynton.com/newsletter ✨ "Money is an amplifier. If you are not happy before you make it, you will not be happy after." — Shari “Your old identity cannot walk you into your next chapter.” — Shari “Just because you know something does not mean you are doing it.” — Shari “Hitting the number is never the thing that makes you feel successful.” — Sarah “We are more afraid of success than failure. Failure, we know. Success is unknown.” — Shari 🎧 Listen Now And Please Leave a Review If this episode helped you, inspired you, or made you rethink something, please take 20 seconds and leave us a review. It helps the podcast reach thousands more people who need accessible, empowering money education. 🔄 Stay Connected • Podcast: Money Mechanics • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics • Newsletter: www.sarahpoynton.com/newsletter

    49 min
  3. Money Mechanics - Daniel Wood & Sarah Poynton

    EPISODE 3

    Money Mechanics - Daniel Wood & Sarah Poynton

    From £400,000 in Losses to Financial Freedom: Money Mindset, Investing, and Resilience with Daniel WoodWhat do you do when everything collapses? When the deals go wrong, the debt piles up, and you are staring at losses that feel impossible to recover from?In this powerful episode of the Money Mechanics Podcast, Sarah sits down with Daniel Wood, CEO and co-founder of the Swedish Wealth Institute, to talk about money, mindset, investing, and rebuilding after devastating financial failure.Daniel shares his extraordinary journey from losing £400,000 of investor money, selling his home, living without running water in a small Swedish cottage, and facing total business collapse — to building one of Europe’s leading personal development and wealth education platforms.This is a raw, honest conversation about clearing debt, money shame, financial responsibility, wealth mindset, and what it really takes to rebuild when things go wrong.Daniel Wood Full Episode Audio …🔥 What You’ll Learn in This Episode• How Daniel lost £400,000 through property investing and what went wrong • Why he refused to walk away from investor losses, even when bankruptcy was an option • The emotional weight of debt and responsibility when money belongs to family and friends • Why financial failure can become the foundation of future success • How the Swedish Wealth Institute was born out of a need for mentorship and support • What real mentors do differently from “bad mentors” • The moment Kim Kiyosaki helped Daniel restructure his finances in just 15 minutes • Why people with money think about deals differently • How stress and fear distort financial decision making • The danger of rushing investments and chasing fast wealth • Why “getting rich slowly” is more sustainable than chasing quick wins • How ego, fear, and urgency sabotage financial success • The psychological pain of losing money versus the pleasure of gaining it • Why money is best seen as energy, not morality • The most damaging money advice people still believe • How high fees quietly destroy long-term investment growth • Why everyone needs a “money machine” working in the background • How to separate current financial stress from future financial freedom • Why having independent wealth creates better relationships and life choices • What “f**k you money” really means in real life • How to begin investing even when money feels tight • Why wealth enables impact, not selfishness💸 Books, Concepts & Mentors Mentioned• Rich Dad Poor Dad – Robert Kiyosaki • Cashflow Board Game – Robert & Kim Kiyosaki • The Richest Man in Babylon – George S. Clason • The 7 Habits of Highly Effective People – Stephen Covey • Tony Robbins – Unleash the Power Within • T Harv Eker and wealth conditioning • Les Brown on emotional relationships with money • Index funds vs managed funds • Investment fees and why they matter • “Money as points on a board” mindset • Wealth as a tool for impact🧠 Who This Episode Is ForIf you are searching for: • how to clear debt • money mindset help • investing for beginners • how to start investing with little money • financial confidence • rebuilding after failure • fear of losing money • wealth building strategies • cash flow vs income • financial freedom advice • emotional relationship with money…this episode will hit home.👤 About Today’s Guest — Daniel WoodDaniel Wood is the CEO and co-founder of the Swedish Wealth Institute, a global education platform connecting entrepreneurs with world-class mentors in wealth, mindset, and personal development.Through global summits, workshops, and events, Daniel has worked with and hosted speakers including: • Robert Kiyosaki • Kim Kiyosaki • Tony Robbins • Les Brown • Jack Canfield • Joseph McClendon🔗 Website: https://swedishwealthinstitute.com 🎧 Podcast: Swedish Wealth Institute Podcast 📸 Instagram: • @realdanielwood • @swedishwealthinstituteab📨 Join the Free Money Mechanics Weekly NewsletterIf this episode resonated with you, you will love the Money Mechanics Weekly Newsletter.Every week Sarah shares: • simple investing insights • what’s happening in the markets • real examples from her own portfolio • practical ways to make your money work harder👉 Sign up free here: www.sarahpoynton.com/newsletter⭐ Enjoyed the Episode?Please consider leaving a review on Apple Podcasts or Spotify. It helps more people find the show and learn that money does not have to feel scary, shameful, or overwhelming.🔁 Stay Connected• Podcast: Money Mechanics • Newsletter: www.sarahpoynton.com/newsletter • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics

    52 min
  4. Money Mechanics With Sarah Poynton - Paul Lanfear

    EPISODE 4

    Money Mechanics With Sarah Poynton - Paul Lanfear

    Financial Security, Investing from Scratch, and Why Being a “Safe Pair of Hands” Builds Wealth with Paul Lanfear What if real wealth is not about fast money, flashy investments, or chasing the next big thing… but about security, resilience, and playing the long game? In this episode of the Money Mechanics Podcast, Sarah is joined by Paul Lanfear, investor, entrepreneur, former barrister, award-winning property developer, podcast host, and retreat leader, for one of the most honest and wide-ranging conversations of the series. Paul shares his journey from a volatile childhood and dyslexia, through law and high-pressure finance, to building wealth through intention, service, and long-term thinking. This episode is packed with practical insights for anyone trying to clear debt, understand money, or start investing without panic. If you have ever felt financial stress, feared going backwards, or wondered where to start when money feels tight, this conversation will land. Paul Lanfear Full Episode (Audi… 🔥 What We Cover in This Episode • Why financial security is a fundamental human need  • How money creates freedom by removing fear, not buying happiness  • Paul’s upbringing, dyslexia, and the moment someone told him he would “never amount to anything”  • How that moment became fuel rather than a limit  • Why most people are never taught how money actually works  • The minimum payment trap and why credit card debt is so dangerous  • Why budgeting is not restrictive, it is liberating  • The emotional stress of not knowing which bills you can afford to open  • Why clearing bad debt should come before investing  • The importance of building a cash buffer before taking financial risks  • Why buying property is not always the best first investment  • Renting vs buying and why optionality matters  • How impulsive spenders can create friction to protect themselves  • Why investing in yourself often delivers the highest return  • How index funds help beginner investors avoid unnecessary risk  • Why you do not need to understand charts to invest successfully  • The power of compound interest over 10, 15, and 20 years  • Why long-term investing beats trying to “time the market”  • How to think about portfolio layers, from safety to speculation  • Why most people confuse trading with investing  • The mindset difference between people who look wealthy and people who actually are  • Why being of service creates opportunity, fulfilment, and wealth  • The underrated power of being a “safe pair of hands”  • How reputation quietly compounds just like money  • Why financial independence matters even more for women  • What Paul would do with his time if money was no object 📚 Books, Thinkers & Concepts Mentioned • The Fourth Turning – on crisis cycles and generational change • Enlightenment Now by Steven Pinker • Ray Dalio on reclaiming the middle ground • Index funds and whole-of-market investing • Pound cost averaging • Compound interest • Portfolio resilience • Financial buffers and liquidity • Long-term vs short-term thinking 🧠 Who This Episode Is For This episode is especially powerful if you are searching for:  • how to clear debt  • money mindset help  • investing for beginners  • how to start investing with little money  • budgeting without shame  • financial security  • compound interest explained  • long-term investing strategy  • women and money  • financial stress and anxiety  • wealth building fundamentals 👤 About the Guest — Paul Lanfear Paul Lanfear is an investor, entrepreneur, former barrister, award-winning property developer, and host of the Property & Investor Podcast. He also runs highly respected networking breakfasts, retreats, and an annual Discovery Day in Leeds where attendees leave with a one-page business plan. Paul is known for his calm, thoughtful approach to money, investing, and life design, and for prioritising service, integrity, and long-term thinking over hype. 🔗 Connect with Paul: • Facebook, LinkedIn, Instagram (search Paul Lanfear) • Podcast: Property & Investor Podcast • Events and Discovery Day details shared via his socials 📨 Join the Free Money Mechanics Weekly Newsletter If this episode resonated, you will love the Money Mechanics Weekly Newsletter. Every week, Sarah shares:  • simple explanations of what’s happening in the markets  • practical money and investing insights  • real examples from her own portfolio  • tools to help you make your money work harder 👉 Subscribe free here: www.sarahpoynton.com/newsletter ⭐ Enjoyed the Episode? If you found this conversation helpful, please consider leaving a review on Apple Podcasts or Spotify. Reviews help the podcast reach more people who need honest, accessible conversations about money. 🔁 Stay Connected • Podcast: Money Mechanics • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics • Newsletter: www.sarahpoynton.com/newsletter

    1h 25m
  5. Money Mechanics With Sarah Poynton - Money, Trauma, Debt, and Choice: Rewriting Your Financial Story

    EPISODE 5

    Money Mechanics With Sarah Poynton - Money, Trauma, Debt, and Choice: Rewriting Your Financial Story

    Money is never just about numbers.In this deeply honest and grounding episode of the Money Mechanics Podcast, Sarah is joined by Tanya Ibberson, also known as The Financial Wing Woman. A trauma-informed transformation coach, qualified accountant with nearly 30 years’ experience, and advocate for helping women rebuild their financial lives after debt, divorce, and financial abuse.This conversation goes beyond budgeting and spreadsheets. It explores the emotional, psychological, and lived experiences that shape how we earn, spend, avoid, save, and invest, often without realising it.If money feels heavy, emotional, or overwhelming, this episode will make you feel seen.🔥 What We Dig Into in This Episode• Tanya’s earliest money memory and how childhood fairness, shame, and injustice shape lifelong money beliefs • What it really means to be a trauma-informed financial coach and why this matters when helping people with debt • Big trauma vs little trauma and how everyday money moments can wire long-term behaviour • Why money often feels unsafe to talk about • Growing up with financial scarcity, shame, and silence • How emotional memories resurface when dealing with debt, bills, or financial decisions • Why people avoid learning about money even when they want financial freedom • How shame, guilt, and fear keep people stuck in debt cycles • Why budgeting is not restrictive but protective • How awareness reduces financial anxiety • The power of small, tangible habits to rewire money beliefs • Why saving even £20 or a coin in a jar can change how your brain sees money • Debt vs investing and how to decide what to tackle first • Why emergency funds matter before investing • How to start investing without panic or overwhelm • Why there is no “magic secret” to investing • The danger of trading time for money forever • Lifestyle creep and the illusion of wealth • Why children see spending but never see saving unless we talk about it • Why talking openly about money is the fastest way to change generational patterns • Breaking cycles so the next generation has choice🧠 Key Themes & TakeawaysThis episode powerfully reframes money as:• Neutral, not moral • Learnable, not innate • Changeable, at any age or stageIt reinforces that financial confidence is built through safety, awareness, and small, consistent actions, not shame, pressure, or perfection.👤 About Today’s Guest - Tanya IbbersonTanya Ibberson is a trauma-informed transformation coach and qualified accountant with nearly 30 years’ experience. She specialises in helping women rebuild their financial confidence after debt, divorce, or financial abuse, combining practical money skills with emotional safety and mindset work.🔗 Find Tanya here: • Website: https://financialwingwoman.com • Podcast: Breaking Financial Chains • Instagram: Search Financial Wing Woman or Tanya IbbersonIf you reach out, let her know you heard her on the Money Mechanics Podcast.📚 Concepts, Tools & Platforms Mentioned• Trauma-informed coaching • Budgeting as a confidence tool • Emergency funds • Stocks & Shares ISAs • Compound interest • Low-risk investing for beginners • Investment platforms discussed: – Hargreaves Lansdown – Moneybox – Trading 212 – Freetrade • Behavioural rewiring through visual saving tools • Values-based financial decisions📨 Join the Free Money Mechanics Weekly NewsletterIf this episode resonated, you’ll love the Money Mechanics Weekly Newsletter.Each week Sarah shares: • simple explanations of what’s happening in the markets • practical money and investing insights • real examples from her own portfolio • tools to help you make your money work harder👉 Subscribe free here: https://www.sarahpoynton.com/newsletter⭐ Enjoyed the Episode?Please consider leaving a review on Apple Podcasts or Spotify. Reviews help the podcast reach more people who need honest, accessible conversations about money.🔁 Stay Connected• Podcast: Money Mechanics • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics • Newsletter: https://www.sarahpoynton.com/newsletter

    47 min
  6. Money Mechanics - Dilon Dhanecha & Sarah Poynton

    EPISODE 6

    Money Mechanics - Dilon Dhanecha & Sarah Poynton

    Money, Meaning, and Following the Big Money: Investing, Debt, and Purpose with Dilon DhanechaMoney is never just about money. In this powerful and wide-ranging episode of the Money Mechanics Podcast, Sarah is joined by Dilon Dhanecha, founder of the Purposeful Property Project, impact investor, former advisor to governments and the United Nations, and creator of BluePie.ai. This conversation explores money from every angle, debt, gratitude, risk, investing, AI, capital flows, purpose, and the emotional stories we attach to wealth. It is a deep, honest discussion for anyone who wants to understand how money really works and how to use it without losing themselves in the process. 🔥 What We Dig Into in This Episode • Dilon’s earliest memories of money and growing up in social housing as the child of refugees • How giving beyond your means can still create long-term financial harm • Why money must combine purpose and profit to be sustainable • Rebuilding after £106,958 of personal debt • Why debt numbers can become emotional anchors that block progress • A powerful reframing exercise, turning your debt number into an income target • Why chasing zero is not always a motivating goal • The emotional weight people attach to debt and self-worth • Why gratitude is a state, not a tactic • How to use gratitude without bypassing reality • The difference between fear-based money decisions and intentional ones • Why money amplifies who you already are • Why wealth is about choice, not happiness • The moral argument for building wealth responsibly • Breaking generational money trauma • Why you cannot save your way out of debt • The role of risk in financial recovery • Thinking in probabilities rather than certainty • Why investing decisions are emotionally linked, not logically linked • Why each investment decision is statistically independent • How psychological baggage affects financial outcomes • Why people delay investing out of fear of getting it wrong • How to think about allocation within a portfolio • How to think about allocation across your entire net worth • Following big capital flows rather than hype • Gold as a hedging asset and what capital flows signal • Lessons from the 2008 crash and the Covid market shift • Why AI and frontier technologies are reshaping investing • How to invest without needing to understand charts • The danger of scams and outsourcing financial responsibility • Why becoming the champion of your own money matters 🧠 Key Concepts Explained • Money as a magnifier of character • Debt as an emotional driver • Gratitude as a pathway to clarity • Capital flows and market cycles • Risk vs missed opportunity • Allocation as a percentage of your financial life • Impact investing • Economic empowerment • Breaking generational money cycles 📚 Books, People & Quotes Mentioned • Thinking in Bets by Annie Duke • Zig Ziglar • Jacqueline Novogratz, author of The Blue Sweater and founder of Acumen • Concepts from behavioural finance and probability thinking • Capital flow analysis • Impact investing frameworks 👤 About the Guest — Dilon Dhanecha Dilon Dhanecha is an impact investor, entrepreneur, and founder of the Purposeful Property Project. He has advised African governments, worked with the United Nations, and built multiple ventures across property, commodities, and technology. Dilon is also the creator of BluePie.ai, a platform designed to help everyday investors understand capital flows and frontier technology investing in plain English. 🔗 Connect with Dilon: • Website: https://bluepie.ai • Free WhatsApp community available via BluePie.ai • Social platforms: search Dilon DhanechaIf you reach out, let him know you heard him on the Money Mechanics Podcast. 📨 Join the Free Money Mechanics Weekly Newsletter If this episode resonated, you’ll love the Money Mechanics Weekly Newsletter. Each week Sarah shares: • what’s happening in the markets • investing ideas explained simply • real examples from her own portfolio • tools to help you become more confident with money 👉 Subscribe free here: https://www.sarahpoynton.com/newsletter⭐ Enjoyed the Episode? Please consider leaving a review on Apple Podcasts or Spotify. Reviews help the podcast reach more people who need honest, accessible conversations about money. 🔁 Stay Connected • Podcast: Money Mechanics • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics • Newsletter: https://www.sarahpoynton.com/newsletter

    1h 26m
  7. Money Mechanics - Sarah Poynton & Komey Tetteh - Trading, Risk, and Playing the Long Game

    EPISODE 7

    Money Mechanics - Sarah Poynton & Komey Tetteh - Trading, Risk, and Playing the Long Game

    Trading, Risk, and Playing the Long Game with Komey TettehMoney is rarely about talent alone.It is about patience, humility, risk management, and staying in the game long enough for skill to compound. In this episode of the Money Mechanics Podcast, Sarah is joined by Komey Tetteh, portfolio manager, trader, and founder of Zentra Capital, to unpack what it really takes to build wealth through the markets over time. Komey shares his journey from corporate life and early debt, to trading with £50, losing money for two straight years, managing friends and family funds, and eventually launching his own hedge fund. This is a grounded, honest conversation about money, risk, psychology, and why not knowing what will happen next is actually a strength. If you want a clearer understanding of investing, trading, and how professionals think about protecting capital first, this episode is essential listening. 🔥 What We Cover in This Episode • Why admitting “I don’t know what the market will do next” is a competitive advantage • Living and trading in the grey zone rather than chasing certainty • Komey’s early belief that a £50k salary was the peak of success • Discovering that income alone does not create wealth • The debt cycle and always having more month than money • Starting to invest with £50 and £100 at a time • Not knowing the difference between investing and trading in the early years • Turning £50 into £400, then losing money consistently for two years • Why most people quit too early • The importance of risk management before returns • Learning to think in probabilities instead of predictions • Why chasing losses is the fastest way to blow up • Trading while holding a full-time job • Using other people’s money to build a track record • Managing friends and family funds and the responsibility that comes with it • Losing a large portion of client capital early on and the emotional impact • Working multiple jobs to make investors whole • Why character matters more than strategy • Building systems that remove emotion from decision-making • Trading in percentages rather than absolute numbers • Automating decision rules using “if this, then that” logic • Why Komey does not rely on AI to predict markets • Market neutrality and making money whether markets rise or fall • How options and volatility are used to generate income • Why predictable outcomes matter more than exciting returns • The role of hedging and downside protection • What risk management actually means in practice • Why protecting capital is the job, profits are the by-product • Understanding the Sharpe ratio and risk-adjusted returns • What to look for when choosing a fund manager • Due diligence questionnaires and third-party oversight • The difference between tier one, tier two, and offshore regulation • Why most trading education online is misleading • Long-term investing versus short-term trading • Teaching the next generation about money earlier than school ever will • Why time is more valuable than money • Building a life around freedom rather than destinations 🧠 Key Takeaways This episode reinforces a few powerful truths: • Wealth is built by staying solvent, not being right • Risk management matters more than returns • Money amplifies who you already are • Humility keeps you in the game longer than confidence • Time, not money, is the most valuable asset • The journey shapes you more than the destination 👤 About the Guest — Komey Tetteh Komey Tetteh is a portfolio manager and trader with over a decade of experience in the markets. He has traded professionally since 2011, managed multi-million-dollar portfolios, and recently launched his own hedge fund, Zentra Capital. Komey is known for his calm, disciplined approach to trading, his focus on downside protection, and his belief that not knowing is the starting point of good decision-making. 🔗 Connect with Komey: • Instagram: https://www.instagram.com/komey.t/ • DM him directly if you want to connect or learn more about his work If you reach out, let him know you heard him on the Money Mechanics Podcast. 📚 Concepts & Tools Mentioned • Risk management • Probability-based decision making • Market neutrality • Volatility and options • Hedging strategies • Sharpe ratio and risk-adjusted returns • Due diligence questionnaires (DDQs) • Capital protection before growth • Long-term investing vs short-term trading 📨 Join the Free Money Mechanics Weekly Newsletter If you enjoyed this episode, you’ll love the Money Mechanics Weekly Newsletter. Each week Sarah shares: • what’s happening in the markets • simple explanations of investing and money concepts • insights from her own portfolio • lessons from podcast guests you can apply in real life 👉 Subscribe free here: https://www.sarahpoynton.com/newsletter⭐ Enjoyed the Episode? If this conversation helped you think differently about money, investing, or risk, please consider leaving a review on Apple Podcasts or Spotify. Reviews help the podcast reach more people who need honest, accessible money conversations. 🔁 Stay Connected • Podcast: Money Mechanics • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics • Newsletter: https://www.sarahpoynton.com/newsletter

    54 min
  8. Adam Smith & Sarah Poynton - Money Mechancis - Debt, leverage, risk, investing, mortgages, and why doing nothing is often riskier than taking calculated action.

    EPISODE 8

    Adam Smith & Sarah Poynton - Money Mechancis - Debt, leverage, risk, investing, mortgages, and why doing nothing is often riskier than taking calculated action.

    This is an honest, practical conversation about debt, leverage, risk, investing, mortgages, and why doing nothing is often riskier than taking calculated action. If you have ever felt confused about mortgages, worried about debt, or unsure how to make your money work harder, this episode will give you clarity. 🔥 What We Cover in This Episode • Why people who build wealth think differently about risk • The mindset gap between homeowners and investors • Why debt tied to an asset is different from consumer debt • Why being mortgage free is not always the smartest goal • How inflation quietly erodes savings when money sits in the bank • Why doing nothing with your money is often the biggest risk • How leverage actually works in property and investing • The difference between residential and investment lending • Why banks are not the only lenders in the market • How brokers match people to lenders rather than products • What lenders really look for when assessing risk • Why most people misunderstand affordability • How unsecured debt affects mortgage applications • Residential debt versus buy to let debt explained simply • Why income matters less for investment lending than people think • How bridging finance works for property flips • Why lenders care more about the asset than your salary • The biggest red flags on bank statements • Why payday loans, Klarna, and buy now pay later schemes hurt applications • Excessive gambling and unexplained cash withdrawals • Why separating accounts can protect your borrowing power • How overdrafts are actually viewed by lenders • What lenders think about side income like Vinted and resale apps • Why credit cards replaced Klarna for previous generations • Why financial education is missing from schools • Whether that absence is accidental or deliberate • The power of compound interest and starting early • Why £150 to £300 a month invested early beats most salary increases • Why risk tolerance shapes every financial outcome • Why most successful people act before they feel ready • The real cost of waiting for certainty • Why value creation leads to income, not hours worked • Why money follows problem solving • How perspective changes when you zoom out ten years • The question Adam wants everyone to answer, how would you like to be remembered 🧠 Key Takeaways This episode challenges a few deeply held beliefs: • Mortgage free does not automatically mean financially secure • Risk avoidance often leads to stagnation • Debt is not the problem, unmanaged debt is • Leverage is a tool, not a danger • Money responds to action, not intention • Inflation punishes inaction quietly over time • Financial literacy creates choice and freedom 👤 About the Guest — Adam Smith Adam Smith is a mortgage and finance broker and founder of Alpha Mortgages. He helps homeowners, investors, and business owners access lending across residential, buy to let, commercial, bridging, and business finance. Adam works with a wide range of lenders, from high street banks to specialist providers, helping clients structure borrowing in a way that actually supports long term wealth building. 🔗 Connect with Adam: • Website: https://alphamortgages.co.uk • Instagram: Search Alpha MortgagesIf you reach out, let him know you heard him on the Money Mechanics Podcast. 📚 Concepts and Ideas Mentioned • Leverage and asset backed debt • Residential mortgages vs investment lending • Bridging finance and property flips • Compound interest • Inflation and purchasing power • Risk tolerance and reward • Value based income • Financial education gaps • Money mindset and behaviour • Long term investing vs short term comfort 📨 Join the Free Money Mechanics Weekly Newsletter If this episode helped things click, you’ll love the Money Mechanics Weekly Newsletter. Each week I share: • what’s happening in the markets • simple explanations of money and investing • lessons from my own portfolio • insights from podcast guests you can actually use 👉 Subscribe free here: https://www.sarahpoynton.com/newsletter⭐ Enjoyed the Episode? If this conversation helped you rethink money, risk, or mortgages, please leave a review on Apple Podcasts or Spotify. It helps more people find the podcast and start using money with confidence and clarity. 🔁 Stay Connected • Podcast: Money Mechanics • Instagram: @sarahpoyntonryan • YouTube: Money Mechanics • Newsletter: https://www.sarahpoynton.com/newsletter

    50 min
  9. Money Mechanics - Sarah Poynton Talks Crypto with Lee Markham

    EPISODE 9

    Money Mechanics - Sarah Poynton Talks Crypto with Lee Markham

    Crypto, Inflation, and Borrowing Against Bitcoin with Lee Markham Crypto. Bitcoin. Borrowing against digital assets.And leaving the RAF to build a life in Thailand. In this episode of the Money Mechanics Podcast, I’m joined by Lee Markham, who went from 13 years in the RAF to long term crypto investor and educator, helping property investors diversify into digital assets. We talk about Bitcoin in plain English. No hype. No nonsense. Just what it is, why it exists, why the financial system is more fragile than most people realise, and how crypto fits into a modern investment portfolio. If you’ve ever said “I don’t trust crypto” but can’t quite explain why… this one’s for you. 🔥 What We Get Into • Why Bitcoin was created after the 2008 financial crash • What cryptocurrency actually is, explained simply • Why fiat currency is losing purchasing power • Inflation and why your savings are quietly shrinking • The fixed supply of Bitcoin and why scarcity matters • Why volatility is not always a bad thing • How long term investors think differently about price drops • The biggest crypto scams and how to avoid them • Why education is the best protection against being burned • How to start investing in crypto with small amounts • Why consistency beats trying to time the market • Risk tolerance and knowing yourself as an investor • Borrowing against Bitcoin without selling it • How crypto loans work • Loan to value explained in simple terms • Using digital assets as collateral • Why selling too early can cost you long term • Why mindset matters more than strategy • Sacred cows around money and inherited beliefs • Why schools don’t teach financial literacy • Investing in yourself and your own business 💥 Borrowing Against Bitcoin… Yes, Really This part will blow some minds. Lee explains how investors can borrow against their Bitcoin in a similar way to refinancing property. Instead of selling the asset and triggering capital gains tax, you can use it as collateral, release liquidity, and keep your long term exposure. We talk through: • Loan to value • Managing volatility risk • Avoiding over leverage • Why this strategy requires education first • Platforms like Nexo and decentralised lending protocols This is not beginner level messing about. This is understanding how money actually works. 📚 Books Mentioned • Rich Dad Poor Dad by Robert Kiyosaki • Cashflow Quadrant by Robert Kiyosaki • Killing Sacred Cows by Garrett Gunderson If you want to understand money mindset before you even think about investing, start there. 👤 About the Guest Lee Markham is a crypto investor and educator who works primarily with property investors to help them diversify into digital assets. After 13 years in the RAF, Lee pivoted into education and investing, building a portfolio through long term crypto strategy and disciplined risk management. You can find him here: • Instagram: https://www.instagram.com/crypto_lee_markham • Website: https://bluegrasstraining.comIf you reach out, tell him you came from Money Mechanics. 🧠 Key Takeaways • Doing nothing with your money is still a decision • Inflation guarantees loss of purchasing power • Volatility is the price of being early • Education reduces risk • You don’t need thousands to get started • Long term mindset beats panic • Financial literacy is your real superpower 📨 Join the Free Money Mechanics Weekly Newsletter If this episode sparked questions in you, you’ll love the Money Mechanics Weekly Newsletter. Every week I share: • what’s happening in the markets • what inflation and policy changes mean for you • what I’m doing inside my own portfolio • simple explanations of money and investing It’s free. Sign up here: 👉 https://www.sarahpoynton.com/newsletter⭐ Enjoyed the Episode? Please leave a review on Apple Podcasts or Spotify. It helps more people find honest conversations about money, investing, crypto, debt recovery, and financial confidence. And come and tell me what you thought on Instagram. I love hearing your takeaways.

    1h 2m
See All Season 2 (9)

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About

Money Mechanics: Engineer Your Financial Future Join Sarah Poynton-Ryan, entrepreneur and financial strategist, as she breaks down the essentials of personal finance, debt recovery, and building a stable income in bite-sized 10-15 minute episodes. Based on the core teachings from her acclaimed book Money Mechanics, this podcast reveals the low-risk debt strategies and investment insights used by the wealthy to achieve financial independence. From stabilising your income and overcoming debt to preparing for and starting your investment journey, Money Mechanics equips beginners with actionable steps to take control of their financial future. Perfect for anyone ready to engineer their money and live a life of true freedom.

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