The Last 3 Digits #TheLast3Digits

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Today we are joined by Zainab Kwaw-Swanzy, a millennial finance specialist at Barclays. Zainab is responsible for creating innovative features for the Barclays app and is a prominent voice for the millennial finance sector within the business. She’s also co-Chair of the Barclays Black Professionals Forum (BPF) and winner of the Black British Business Awards Financial Services Rising Star 2020 Award. We discuss the culture of corporations changing, FOMO, splitting bills, work/life balance and interviewing employers. Tune in to laugh and learn with TL3D and Zainab.

On this episode we were joined by Ken & Mary, the creators of The Humble Penny. A business started in 2017 that has skyrocketed to over 50,000 subscribers and counting. Disu and Bola ask about how they keep consistent in making quality content. Ken gets into his role as CFO prior to becoming a full time entrepreneur. Last but not least Ken and Mary discuss how they paid off their mortgage in 7 years. Make sure you tune in to the full episode, it’s not one to be missed!

You can find Ken and Mary at www.youtube.com/c/TheHumblePenny/ and https://financialjoyacademy.com/

Nego, Bola & Disu discuss the cost of socialising now we’ve been outside for over a month. We talk about our spending now vs pre pandemic and what we’re doing to make sure our finances don’t take anymore serious hits as a result.

We get into the costs of running a charity and whether they should have cash reserves in case anything happens. TL3D also talk about how Go Fund Me makes the majority of their money and the most bizarre things we’ve seen individuals raise money for. Nonetheless, we know there are many notable causes that we shout out on the podcast. Make sure you tune in!

Given the events of last year, graduates are struggling to find jobs irrespective of their degrees and grades. Disu, Nego and Bola talk about their experience when they left university and the advice they’d give to their younger selves. We go on to discuss whether arduous applications and long winded interview processes are worth the hassle. Is working for a top company as good as it seems? Disu gets into what it means to work for a top firm and why it’s worth it.

Tune in and get involved in the discussion via our socials.

On this weeks episode, The Last 3 Digits begin discussing how many billionaires there are in the world as well as how many came from Africa. With most billionaires wealth being held in the companies they own, we talk about delayed gratification and the type of salary we would pay ourselves if we owned a company that had a valuation that was over £100 billion. Nego, Bola and Disu talk about the causes they’d be willing to be a part of from a philanthropic/charitable standpoint which led to the conversation about how much money goes directly to the cause in question. With a net worth of a billion, how would you prefer to split up your wealth between businesses, stock, property and other assets? Let us know what you’d do on our social channels.