The Financial Freedom Pod with Bruce Whitfield & Warren Ingram

It’s been a year since financial markets started pricing in interest rate cuts and now that they are finally happening, is there any upside left? Markets are often described as forward looking. That means they try to anticipate real world events and prices move in response to what markets believe will happen in the future. By the time most of us wake up to the fact that the world has changed and looks investible, markets are already anticipating the next crisis and you always seem to be behind the curve.

High rates are believed to be good for savers, except they are a sign of high inflation which means that even if you think you are better off because your money in the bank is drawing a high return, the value of that money is losing value as it’s corroded by inflation. Markets like lower rates and as the cycle finaly turns, why does it matter?

Well, it’s Warren drawing lessons from the great, half-South African, tennis uber-hero Roger Federer, just to show there are investing lessons everywhere, Warren gets his kicks from lessons of one of the all-time greats of tennis and how you should apply those principles to the way you approach your money. Spoiler alert: it’s about winning, just not everything all the time, that makes the difference.

Journalism is a bold and noble profession, whose value to society is incalculable. Imagine what the blighters would try to get away with if there was no journalism. The problem comes from making any decision based on news flow. Every day you wake up you are subjected to an exceptional amount of information. Some of it accurate, all of it seeking your attention. What is fact and what is fiction and upon which information to you base your investment decisions?

You have to have an unsual skills set to make money as an independent trader. Fancy yourself as the latest incarnation of The Wolf of Wall Street (who I have met, and didn’t like very much, but the feeling was mutual, so that’s okay) be my guest. It’s your money. This is about financial freedom, not trying quick fixes. If trading shares was easy and the software you were sold so good, why are you being offered it for so little?

When it comes to you and your money, be wary of the advice you take and always question the incentives of those giving advice. There is a reason why the biggest and flashiest offices in cities around the world are occupied by big law and accounting firms. They know how to charge for their expertise. You need to be very careful about taking advice that is not in your interests. Bruce Whitfield and Warren Ingram look at when it might be a good idea to put your assets into costly structures…and when not…which is the case for most people…

Bruce & Warren have a conversation about investing a windfall

Bruce & Warren give insight on investing outside your country.

Bruce & Warren talk about how compounding can work.

Bruce & Warren talk about investing no matter where we are, beyond our borders even if it is 1%, which helps more than you can imagine.

Bruce and Warren talk about why people are mad thinking they can predict the future.

Just as you should have an emergency fund to deal with a crisis, you always need money to invest when there are great opportunities.

We are six months in - this is the one where you need to pause, take a breath and see how far you have come...

Bruce and Warren talk investing and personality types in money.

Will your loved ones resent you when you die? They have enough to worry about when you are gone. This is the one about the will - don't make your family despise you for not doing one.

In this week's episode Bruce and Warren discuss the importance of not putting all of your eggs in one basket.

Bruce and Warren discuss the importance of taxes when you are getting lots of capital growth.

No one likes paying for insurance - why you should never scrimp and save on this one.

Don’t do it unless you can do this one thing. Tough love and a reality check from Bruce and Warren.

How does a South African business get its product listed in some of the world’s most prestigious stores such as Harrods, Selfridges, Costco & Amazon and perform well in the international market? To answer this, Bruce Whitfield invited six South African executives whose products have reached international shores and made an impact for the final episode of the Genius Podcast. The list of esteemed guests includes SXOLLIE cider’s Karol Ostaszewski, Island Way Sorbet’s Adrian Vardy, Fieldbar’s Lee Hartman, Oryx Desert Salt’s Sam Skyring, BOS tea’s Will Battersby, and Sealand Gear’s Adrian Hewlett.

Bruce and Warren explain the simple sum to make sure you don’t pay more than you need to.

Bruce Whitfield speaks to SAOTA founder Stefan Antoni about the origins of the global architecture brand and unpacks how the firm has completed projects in more than 90 countries around the world. All in the new episode of Bruce Whitfield’s Genius Podcast

Bruce and Warren explain what you need to know.

Bruce Whitfield finds out more about how SweepSouth overcame its initial hurdles and how it continues to innovate in the cleaning industry from CEO, Aisha Pandor.

Once all the rage - but it's tougher to do now than ever. Warren and Bruce explain

It’s a story of hustle, creativity, and the ambition to take an idea further than you thought was possible. In a new episode, Tashas Founder and CEO Natasha Sideris joins Bruce Whitfield to outline the bold journey that made the Tashas Group a South African success and opened a total of 24 locations and counting.

Bruce and Warren explain when to rent and when to invest in your home

Speaking to Bruce Whitfield, Katlego Maphai, CEO of Yoco, shares the inspiring tale of how he, along with his fellow co-founders collaborated with a single vision of greater equality to the harsh reality that start-ups and small businesses face. He tells the story of how shared values, purpose, and understanding are essential to building a successful business as co-founders.

Bruce and Warren explain the power of investing in groups

Discovery’s Founder Adrian Gore details the company’s origin, the importance of surrounding yourself with the right people, and why putting human values over monetary value is essential to Discovery’s success.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram explain why Exchange Traded Funds (ETF’s) are a cost effective way to invest - why Warren is a fan

In the second episode of Bruce Whitfield’s Genius Podcast, some of Investec & Ninety One’s key figures detail the company’s trials, tribulations, and most importantly, triumphs.This podcast captures the brilliance of South Africans who took their smart ideas global and saw their businesses thrive beyond our shores. Listen and learn as Bruce has insightful conversations with genius entrepreneurs in this 8-part series.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram explain why you risk losing your money if you buy the stuff your “rich” friends claim is a winning strategy.

From a ‘grubby little takeaway’ to global food franchise - Robbie Brozin’s journey as co-founder of Nando’s is a tale of ambition, chemistry, vision, and relentlessness. Learn all about Nando’s origin and Brozin’s brilliant strategy in the first episode of Bruce Whitfield’s Genius PodcastThis podcast captures the brilliance of South Africans who took their smart ideas global and saw their businesses thrive beyond our shores. Listen and learn as Bruce has insightful conversations with genius entrepreneurs in this 8-part series.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram look at the basics of pooling money with a professional investment manager.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram look at cash as an investment strategy.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram look at what makes something an investment. Plus you get some real homework.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram talk about how to stay motivated as you journey to financial freedom.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram explain how to figure out the number you need to reach by the time you stop working. And, how often to do it.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram talk about the need to see the rewards of fixing our finances.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram explain how to create a fund to deal with life’s emergencies.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram on dealing with the number one weapon of wealth destruction. Today is about priorities.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram urge you to exercise some essential tough self-love.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram explain how to figure out what you have and what you owe. It’s easier than you think. It’s time for brutal honesty.

Financial Journalist Bruce Whitfield and Certified Financial Planner Warren Ingram take the first small step to helping you build financial freedom.

Join Bruce Whitfield and Warren Ingram on this podcast journey, where they team up to help you build your Financial Freedom!!