Your personal guide to financial freedom, hosted by the bestselling author and award-winning financial planner, Warren Ingram.


Honest Money

In this episode <a href='https://twitter.com/WarrenIngram'>Warren Ingram </a>and <a href='https://x.com/Money__Marx'>Pieter de Villers </a>discuss the critical aspects of estate planning, particularly focusing on marriage contracts and their implications on financial planning. They explore the importance of understanding different types of marriage contracts, including those with and without accrual, and the community of property system. The conversation emphasizes the need for couples to have open discussions about their financial futures and the potential impacts of marriage on their wealth distribution, especially in the event of divorce or death.  Takeaways<ul><li>Marriage contracts are crucial for financial planning.</li><li>Understanding the implications of marriage on wealth is essential.</li><li>One spouse may deserve a greater share after divorce due to career sacrifices.</li><li>Couples should view marriage as a partnership or team effort.</li><li>Different marriage contracts have varying implications for asset distribution.</li><li>The accrual system is often seen as the fairest option for couples.</li><li>Community of property can expose spouses to financial risks.</li><li>Legal advice is necessary when drafting marriage contracts.</li><li>Transparency in financial discussions is vital for a healthy marriage.</li><li>Couples should update their wills alongside marriage contracts.</li></ul> Learn more about 10X Investments today: <a href='https://intermediaries.10x.co.za/'>https://bit.ly/4hiEscG</a> <a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

Marriage in South Africa: The Contract That Could Make or Break Your Wealth!

In today's episode <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> & <a href='https://x.com/Money__Marx'>Pieter de Villiers</a> speak to the intricacies of trusts, exploring their significance in estate planning and wealth preservation, discussing the different types of trusts, including living and testamentary trusts, and the importance of asset management within these structures. They also highlight the tax implications and costs associated with setting up and maintaining trusts, as well as the role of trustees. Takeaways<ul><li>Trusts serve as a foundation for financial security.</li><li>The primary purpose of a trust is to facilitate the transfer of wealth across generations.</li><li>Understanding the types of trusts is crucial for effective estate planning.</li><li>Asset management is key to minimizing estate costs through trusts.</li><li>Tax implications can significantly affect the benefits of trusts.</li><li>Setting up a trust involves various costs that should be carefully considered.</li><li>Offshore trusts can provide advantages in terms of tax and asset protection.</li><li>The role of trustees is vital in managing trusts and ensuring compliance with legal requirements.</li><li>Testamentary trusts are essential for parents to secure their children's financial future.</li><li>Consulting a legal expert is necessary when establishing a trust to avoid pitfalls. </li></ul> Learn more about Prescient Investment Management <a href='https://www.prescient.co.za/'>here</a>. <a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

Trusts 101 for South Africans: How the Wealthy Legally Protect Their Money in SA

In this episode, <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> and <a href='https://x.com/Money__Marx'>Pieter de Villiers </a>discuss the complexities and costs associated with estate planning, understanding the importance of forward planning to minimize financial burdens on loved ones after death. They explore various strategies for efficient estate planning, including the role of retirement funds, the benefits of donations, and the implications of offshore assets.  Takeaways<ul><li>Understanding the costs involved in estate planning is crucial.</li><li>Estate duty can significantly impact the value of an estate.</li><li>Professional help is essential for effective estate planning.</li><li>Retirement funds can be a tax-efficient way to pass on wealth.</li><li>Donating to beneficiaries during your lifetime can reduce estate size.</li><li>Life insurance policies can help avoid executor fees.</li><li>Offshore assets require careful planning to avoid high taxes.</li><li>Marital status affects estate planning strategies.</li><li>Trusts can be beneficial but should not be solely for tax savings.</li><li>Starting estate planning early can save time and money later.</li></ul> Learn more about 10X Investments today: <a href='https://intermediaries.10x.co.za/'>https://bit.ly/4hiEscG</a><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

Planning for Peace: Smart Estate Strategies for Your Legacy

In today's episode, <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> and <a href='https://x.com/Money__Marx'>Pieter de Villiers</a> discuss the critical importance of estate planning, focusing on Wills.  Regardless of age or wealth, everyone needs a Will to ensure their wishes are honored after death. The conversation covers the consequences of not having a Will, the process of setting one up, appointing executors and guardians, and the necessity of reviewing and updating Wills regularly. They also touch on the complexities of foreign Wills for assets held outside of South Africa, highlighting the need for proper planning to avoid complications for loved ones left behind. Takeaways<ul><li>Everyone needs a will, regardless of age or wealth.</li><li>Planning for death is a responsibility to your family.</li><li>Without a will, your estate gets frozen.</li><li>A well-structured will can prevent family disputes.</li><li>Parents must have a will to protect their children.</li><li>You can appoint an executor to manage your estate.</li><li>Wills should be reviewed every few years.</li><li>Pets should be included in your will.</li><li>Foreign assets may require a separate will.</li><li>It's essential to communicate your wishes clearly.</li></ul> Learn more about Prescient Investment Management <a href='https://www.prescient.co.za/'>here</a>. <a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

Wills & Wishes: Why Estate Planning Can’t Wait

In this episode <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> invites <a href='https://www.linkedin.com/in/christopher-rule-cfa-caia-92571438/'>Chris Rule</a>, Head of Products and Client Solutions at<a href='https://www.10x.co.za/'> CoreShares 10X</a>, to discuss the evolving themes in the asset management industry, particularly focusing on the concept of investment solutions. They explore the distinction between genuine investment solutions and marketing jargon, the importance of goal-oriented investing, and the differences between alpha and beta investments.  Takeaways<ul><li>Investment themes evolve over time, some fade while others persist.</li><li>Investment solutions should genuinely address specific financial goals.</li><li>Greenwashing was a critique of marketing over substance in investments.</li><li>Certainty in achieving financial goals is more important than chasing alpha.</li><li>Not all funds marketed as solutions are truly designed to meet specific objectives.</li><li>Understanding the difference between alpha and beta is crucial for investors.</li><li>Investors should seek clarity in their financial objectives.</li><li>The investment industry often uses jargon that can mislead investors.</li><li>A focus on outcomes can lead to better investment decisions.</li><li>Investors need to be aware of the risks associated with alpha chasing.</li></ul> Learn more about 10X Investments today: <a href='https://intermediaries.10x.co.za/'>https://bit.ly/4hiEscG</a> <a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

Beyond  Greenwashing: What Makes an Investment Strategy Truly Meaningful

In this episode, <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> and <a href='https://x.com/Money__Marx'>Pieter de Villiers</a> delve into the complexities of investment fees, discussing various types of fees including investment management fees, platform fees, and advisor fees. They speak to the importance of understanding these fees and their impact on long-term investment returns. The conversation also highlights the need for transparency in fee structures and the value that financial advisors can provide beyond just managing investments.  Takeaways<ul><li>Understanding investment fees is crucial for building wealth.</li><li>There are various types of investment fees: management, platform, and advisor fees.</li><li>Free services often come with hidden costs.</li><li>Investment management fees can vary significantly based on fund type.</li><li>Active management typically incurs higher fees than passive management.</li><li>Platform fees can be structured as a percentage or fixed fee.</li><li>Advisor fees should reflect the value provided to the client.</li><li>Transparency in fee structures is essential for informed decision-making.</li><li>High fees can erode investment returns over time.</li><li>It's important to regularly review and understand your investment fees.</li></ul> Learn more about Prescient Investment Management <a href='https://www.prescient.co.za/'>here</a>. <a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

The Hidden Cost of ‘Free’: Understanding Investment Fees

In this episode, <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> and <a href='https://x.com/Money__Marx'>Pieter de Villiers</a> discuss the critical concept of diversification in investing. They explore its benefits, the risks of over-diversification, and strategies for effective asset allocation. They touch on the importance of balancing index and active management, simplifying investment strategies, and embracing uncertainty as a key component of successful investing. Takeaways<ul><li>Diversification is essential for long-term investment success.</li><li>Over-diversification can lead to diluted returns.</li><li>Invest across different asset classes, regions, and company sizes.</li><li>Time diversification helps manage market volatility.</li><li>Avoid chasing the latest investment trends to prevent losses.</li><li>A balanced portfolio should include both index funds and active management.</li><li>Simplicity in investment strategies often yields better results.</li><li>Consolidating investments on fewer platforms can reduce complexity.</li><li>Understanding market cycles is crucial for effective diversification.</li><li>Diversification is a powerful tool against uncertainty in investing.</li></ul> Learn more about 10X Investments today: <a href='https://intermediaries.10x.co.za/'>https://bit.ly/4hiEscG</a><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

Taming Uncertainty: The Power and Pitfalls of Diversification

In this episode <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> and <a href='https://x.com/Money__Marx'>Pieter de Villiers</a> delve into the concept of investment risk, exploring various types of risks that investors face, including volatility and inflation risk. They speak through the importance of understanding personal inflation rates and how they can impact financial goals, the significance of having a well-structured investment strategy and the opportunity costs associated with market timing and the necessity of staying invested to capitalize on market recoveries. Takeaways<ul><li>Investment risk encompasses various types, including volatility and inflation risk.</li><li>Understanding personal inflation rates is crucial for financial planning.</li><li>Investing in cash may not keep pace with inflation.</li><li>A well-structured portfolio can mitigate risks over time.</li><li>Market volatility is a normal part of investing.</li><li>Opportunity cost arises from not being invested during market recoveries.</li><li>Long-term investment strategies are essential for achieving financial freedom.</li><li>Awareness of inflation can help in making informed investment decisions. </li><li>Understanding your perception of risk is essential for investing.</li><li>Balancing risk and comfort is key to successful investing.</li></ul> Learn more about Prescient Investment Management <a href='https://www.prescient.co.za/'>here</a>. <a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

Risky Business: Mastering Volatility, Inflation & Long-Term Gains

In this episode, <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> and <a href='https://x.com/Money__Marx'>Pieter de Villiers </a>discuss the challenges and strategies associated with achieving financial freedom, particularly during market downturns. Talking through the psychological aspects of investing, the importance of planning for withdrawals during retirement, and the need to find purpose and income post-retirement. Takeaways<ul><li>Achieving financial freedom can be daunting during market downturns.</li><li>Panic selling is one of the worst mistakes investors can make.</li><li>Understanding psychological responses to loss can help in decision-making.</li><li>Markets typically experience fluctuations; this is normal.</li><li>Controlling expenses during retirement can help manage financial stress.</li><li>Finding purpose post-retirement is crucial for emotional well-being.</li><li>Investing in a balanced portfolio is essential for long-term success.</li><li>Phasing investments during volatile markets can mitigate risks.</li><li>Having a cash buffer can provide security during market corrections.</li><li>Emotional management is key to successful investing. </li></ul> Learn more about 10X Investments today: <a href='https://intermediaries.10x.co.za/'>https://bit.ly/4hiEscG</a> <a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

Purpose, Planning, and Portfolio: A Guide to Thriving After Retirement

In this episode of Honest Money, <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> and <a href='https://x.com/Money__Marx'>Pieter de Villiers</a> discuss the concept of financial freedom and how to calculate your financial freedom number. They touch on the importance of understanding personal lifestyle costs, the 4% rule for sustainable withdrawals, and the need for flexibility in financial planning. The conversation also touches on the balance between enjoying life now and saving for the future, as well as the significance of tracking progress towards financial goals. Takeaways<ul><li>Financial freedom means making choices based on desire, not necessity.</li><li>You only need enough assets to sustain your desired lifestyle.</li><li>Calculating your financial freedom number is a personal process.</li><li>Track your actual expenses to get a realistic financial freedom number.</li><li>The 4% rule is a guideline for sustainable withdrawals from investments.</li><li>Flexibility in financial planning is crucial for adapting to life changes.</li><li>Balancing current enjoyment with future savings is essential.</li><li>Celebrate small wins in your financial journey to stay motivated.</li><li>Regularly update your financial freedom number as circumstances change.</li><li>Controlling expenses is key to achieving financial freedom faster.</li></ul> Learn more about Prescient Investment Management <a href='https://www.prescient.co.za/'>here</a>. <a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

How Much Is Enough? Calculating Your Financial Freedom Number

In this episode <a href='https://twitter.com/WarrenIngram'>Warren Ingram</a> and <a href='https://x.com/Money__Marx'>Pieter de Villiers</a> discuss the critical aspects of insurance, focusing on disability insurance and life assurance. They emphasize the importance of protecting one's ability to earn an income and ensuring financial security for loved ones in the event of death. The conversation covers the complexities of insurance products, the significance of underwriting, and the need for regular evaluations of insurance needs as life circumstances change. Takeaways<ul><li>Your ability to earn an income is your biggest asset.</li><li>Disability insurance is crucial for financial security.</li><li>Life assurance protects your loved ones from financial burdens.</li><li>Be transparent with your insurance company to avoid claim issues.</li><li>Evaluate your insurance needs regularly as life changes.</li><li>Don't cancel insurance without securing new coverage first.</li><li>Compare insurance quotes carefully to ensure you're getting the best deal.</li><li>Understand the underwriting process to avoid being uninsurable later.</li><li>Insurance through employment can be a valuable resource.</li><li>Consider both income protection and lump sum disability cover.</li></ul>Learn more about 10X Investments today: <a href='https://intermediaries.10x.co.za/'>https://bit.ly/4hiEscG</a><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

Protect Your Paycheck: The Truth About Disability & Life Insurance

In this episode <a href='https://twitter.com/WarrenIngram'>Warren Ingram </a>and <a href='https://x.com/Money__Marx'>Pieter de Villiers</a> discuss the critical role of insurance in financial planning. They explore various types of insurance, including short-term and long-term options, and emphasize the importance of health insurance and medical aid. The conversation also covers strategies for reducing insurance costs and the need for comprehensive coverage as life circumstances change. Takeaways<ul><li>Insurance is essential for financial security.</li><li>Understanding the risks you face is crucial.</li><li>Insurance should be viewed as a smart investment.</li><li>Short-term insurance protects your physical assets.</li><li>Health insurance is vital for unexpected medical expenses.</li><li>Hospital plans cover major medical costs, while medical aid covers day-to-day expenses.</li><li>Shopping around for insurance can save money.</li><li>Increasing your excess can lower your premiums.</li><li>Be cautious of insurance companies' loyalty programs.</li><li>Planning for future medical needs is important.</li></ul>Learn more about Prescient Investment Management <a href='https://www.prescient.co.za/'>here</a>.<a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/807923/open_sms">Send us a text</a><a href='https://www.acxiom.com/podcasts/' target='_blank'>Real Talk About Marketing</a>An Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: <a href='https://podcasts.apple.com/podcast/id1463601023' target='_blank'>Apple Podcasts</a> &nbsp; <a href='https://open.spotify.com/show/1rqiMbNFn3kAabnYC0K70a' target='_blank'>Spotify</a>Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on<a href='https://twitter.com/HonestMoneyPod'> Twitter</a>,<a href='https://www.linkedin.com/company/honest-money'> LinkedIn</a> and subscribe to our<a href='https://www.youtube.com/channel/UCpvV8y06gG7A3_Ibk15T_FQ'> YouTube</a> channel for more Financial Freedom content:<a href='https://twitter.com/HonestMoneyPod'> @HonestMoneyPod</a>

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Honest Money

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Warren Ingram

#272

Marriage in South Africa: The Contract That Could Make or Break Your Wealth!

#271

Trusts 101 for South Africans: How the Wealthy Legally Protect Their Money in SA

#270

Planning for Peace: Smart Estate Strategies for Your Legacy

#269

Wills & Wishes: Why Estate Planning Can’t Wait

#268

Beyond Greenwashing: What Makes an Investment Strategy Truly Meaningful

#267

The Hidden Cost of ‘Free’: Understanding Investment Fees

#266

Taming Uncertainty: The Power and Pitfalls of Diversification

#265

Risky Business: Mastering Volatility, Inflation & Long-Term Gains

#264

Purpose, Planning, and Portfolio: A Guide to Thriving After Retirement

#263

How Much Is Enough? Calculating Your Financial Freedom Number

#262

Protect Your Paycheck: The Truth About Disability & Life Insurance

#261

Insurance 101: What You Need, What You Don’t, and How to Save