Honest Money

Episoade

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  The Science of Winning: George Kusher's Journey to Comrades Record 25.07.2026 29min

  In this episode, Warren Ingram and Pieter de Villiers invite guest speaker George Kusche to talk through his remarkable journey of winning the Comrades Marathon while balancing full-time studies in actuarial science, family, and personal development. Discover how he maintains focus, consistency, and purpose across multiple demanding areas of life. Chapters 00:00 Introduction to George Kusher02:23 Balancing Life and Ambition05:43 The Path to Becoming a Comrades Champion10:27 Mental Strategi...
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  What Actually Happens to Your Debt When You Die? 18.07.2026 24min

  In this episode, Warren Ingram and Pieter de Villiers explore the complexities of money personalities, the implications of debt, and how different life choices impact financial well-being. They discuss practical scenarios, psychological perspectives, and the importance of balance in personal finance. Chapters: 00:36- The importance of conversations around money01:48- Long-term consequences of debt and estate implications02:18- Exploring the four main money personalities04:06- Risks ass...
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  Carrying Your Partner's Debt Is Destroying Your Wealth 11.07.2026 23min

  In this episode, Warren Ingram and Pieter de Villiers discuss managing financial relationships, debt, and planning for education savings, emphasizing open communication and strategic planning. Chapters 00:00 Introduction to the episode and guest00:26 Question from listener about partner debt and savings02:10 The importance of self-care and financial boundaries03:59 Managing relationship dynamics and money personalities07:36 The role of open communication and professional help08:45 Building ...
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  Mastering Diversification: Building Resilient Investment Portfolios 08.07.2026 30min

  In this bonus episode, Warren Ingram and Ray Mhere, CEO of Curate Investments, explore the intricacies of investment diversification, asset allocation, and long-term financial planning. They share practical insights on building resilient portfolios, avoiding common pitfalls, and educating the next generation about wealth management. Chapters 00:00 Introduction to Diversification01:31 Understanding True Diversification05:15 Types of Diversification10:06 The Role of Balanced Funds14:41 Monito...
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  How To Switch Funds Within A TFSA 04.07.2026 14min

  In this episode, Warren Ingram and Pieter de Villiers answer your questions about tax-free savings accounts, including setup for children, investment switching, and transfer rules, providing practical insights to maximize benefits. Chapters 00:00 Introduction to tax-free savings questions02:09 Setting up a tax-free account for a child04:03 Contributions and donations tax considerations06:25 Switching investments within a tax-free account08:09 Transferring and consolidating accounts09:02 Impl...
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  How Much Fees Should I Be Paying On My Investments? 27.06.2026 29min

  In this episode, Warren Ingram and Pieter de Villiers break down one of the most confusing parts of investing: total fees. They explain how to understand the full cost of investing through effective annual cost, including investment management fees, platform/admin fees, and advisor fees. Chapters 00:00: Introduction to the fee question01:55 :What effective annual cost means02:24: Investment management fees: active vs passive05:04: Performance fees and realistic fund fee ranges07:11: How to co...
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  How To Invest Directly Offshore As A South African 20.06.2026 23min

  In this episode, Warren Ingram and Pieter de Villiers discuss offshore investing strategies, building financial literacy, and helping others with savings and retirement planning. They explore practical tips for long-term wealth building and the importance of financial education. Chapters 00:00 Introduction and episode overview00:25 The importance of offshore investment domicile02:52 Choosing the right jurisdiction for offshore ETFs04:38 Mechanics of currency conversion and transaction costs0...
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  How To Choose A Global Index Fund As A South African 13.06.2026 24min

  In this episode, Warren Ingram and Pieter de Villiers discuss strategic investment choices, tax-efficient savings, and financial planning for expatriates and young investors. The conversation covers diversified ETFs, tax-free accounts, and offshore investments, providing practical advice for long-term wealth building. Chapters: 00:00 Introduction and Episode Purpose00:24 Listener Questions and Engagement01:12 Investing in MSCI ACWI ETF for Long-Term Growth02:05 Maximizing Tax-Free Savi...
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  Should I Invest In Silver As a South African? 06.06.2026 28min

  In this episode, Warren Ingram and Pieter de Villiers cover investing in precious metals like gold and silver, and managing car loans effectively. Experts share insights on diversification, the role of commodities in portfolios, and practical advice on vehicle ownership and debt management in this Q&A. Chapters 00:00 Introduction and Audience Engagement00:22 Questions from the Audience on Precious Metals02:15 Investing in Gold and Silver: Perspectives and Strategies03:40 The Wealthy Fam...
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  The Future of AI in Business: Opportunities and Challenges 30.05.2026 27min

  In this episode, Warren Ingram and Ruphert Hare explore the impact of artificial intelligence on various industries, emphasizing its current applications, future potential, and the importance of staying updated. Rupert from Prestient Investment Management shares insights on AI integration, misconceptions, and the evolving job landscape. Chapters 00:00 Introduction to AI in Financial Services02:47 The Evolution of AI and Its Impact05:14 Job Displacement and Economic Growth07:50 The Role of H...
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  Buying vs Renting Property In Cape Town 23.05.2026 20min

  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 tren...
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  How To Build A Simple Retirement Income Plan In SA 16.05.2026 19min

  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 S...
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  What To Do With A Large Lump Sum of Money In South Africa 09.05.2026 21min

  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 Ed...
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  How To Build A Simple Local ETF Portfolio In SA 02.05.2026 22min

  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...
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  How To Manage Your Money As A South African Abroad 25.04.2026 20min

  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...
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  The Smart Money Plan Yachties Should Know About 18.04.2026 18min

  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 D...
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  Local vs Offshore: Finding The Right Balance 11.04.2026 18min

  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 A...
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  Cut Your Investment Fees With These Tricks 04.04.2026 23min

  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...
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  Emergency Funds: The First Step to Investing 28.03.2026 21min

  This episode, Warren Ingram and Pieter de Villiers explore the importance of emergency funds, practical steps to build one, and how it safeguards your financial future. Learn from experts about how to plan, where to keep your emergency savings, and common pitfalls to avoid. Takeaways: What is an emergency fund and why it is essentialHow much to save for different life situationsWhere to keep your emergency savings for easy access and safetyCommon mistakes and pitfalls in building emergency ...
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  The New Tax Rules Every SA Investors Must Know 21.03.2026 23min

  In this episode, Warren Ingram and Pieter de Villiers unpack South Africa's latest tax adjustments, highlighting how these changes impact savers, investors, and homeowners. Discover key updates, practical tips, and what they mean for your financial planning. Takeaways: Impact of inflation-adjusted tax brackets and rebatesChanges to retirement contribution limits and tax-free savings accountsCapital gains tax exemptions and property sale exclusionsInternational money transfer allowances and ...