Why Your Budget Is Probably a Fantasy, Not a Financial Plan

Why Your Budget Is Probably a Fantasy, Not a Financial Plan

Full episode: https://youtu.be/Sl92NYMeS00?si=eALQf9kFCdw3VaPc [https://youtu.be/Sl92NYMeS00?si=eALQf9kFCdw3VaPc] In this short snippet, Michael G Donkor breaks down to Adrian why most people do not have a budget, but rather that tthey have a wish list. He breaks down the mistake that makes money disappear even when your spreadsheet looks “good" and why the real fix starts with understanding your numbers right now. If you have ever wondered why you keep overspending despite setting clear categories for travel, drinks and everyday expenses, this short snippet will hit home. This is especially valuable if you have been trying to save more, get disciplined with spending or finally build a budget that reflects reality instead of optimism. Special thanks to our Partners Send money to your loved ones. You should try Sendwave! Use our code TENI0 to get a £10.00 credit towards your first transfer: https://try.sendwave.com/kjap/3gju22h [https://try.sendwave.com/kjap/3gju22h] Supercharge your media with AI thanks to Castmagic: https://www.castmagic.io/?via=adrian-daniels [https://www.castmagic.io/?via=adrian-daniels] Want to start your own podcast? We recommend Buzzsprout!: https://www.buzzsprout.com/?referrer_id=957388 [https://www.buzzsprout.com/?referrer_id=957388] Connect with Us Website: https://thesoundofaccra.com [https://thesoundofaccra.com] YouTube: https://www.youtube.com/@thesoundofaccrapodcast [https://www.youtube.com/@thesoundofaccrapodcast] Social Media: https://linktr.ee/thesoundofaccrapod [https://linktr.ee/thesoundofaccrapod] 📧 [https://emojipedia.org/e-mail] Contact Email: info[at]thesoundofaccra.com [http://thesoundofaccra.com] 🔗 Connect with Adrian 👥 Linkedin: https://www.linkedin.com/in/danielsadrian/ [https://www.linkedin.com/in/danielsadrian/] 🎙 About the Podcast The Sound of Accra Podcast was established six years ago by Adrian Daniels in January 2020, on the back of running networking events in Accra & launching a failed online platform for Ghanaian tourists, visitors and business people. The mission is to showcase Global Ghanaian Excellence by spotlighting top Ghanaian leaders.

Understanding your Investor profile

Full episode: https://open.spotify.com/episode/3nuNpJrUeiXkRIuaG1Ckwr?si=QgC2RpNxRby5oUjqZlD4gA [https://open.spotify.com/episode/3nuNpJrUeiXkRIuaG1Ckwr?si=QgC2RpNxRby5oUjqZlD4gA] In this snippet, Adrian and Michael G Donkor, British-Ghanaian Financial Advisor to Net-worth Tech Employees, explore the importance of understanding your investor profile, as it can make or break your investments. Special thanks to our Partners Send money to your loved ones. You should try Sendwave! Use our code TENI0 to get a £10.00 credit towards your first transfer: https://try.sendwave.com/kjap/3gju22h [https://try.sendwave.com/kjap/3gju22h] Supercharge your media with AI thanks to Castmagic: https://www.castmagic.io/?via=adrian-daniels [https://www.castmagic.io/?via=adrian-daniels] Want to start your own podcast? We recommend Buzzsprout!: https://www.buzzsprout.com/?referrer_id=957388 [https://www.buzzsprout.com/?referrer_id=957388] Connect with Us Website: https://thesoundofaccra.com [https://thesoundofaccra.com] YouTube: https://www.youtube.com/@thesoundofaccrapodcast [https://www.youtube.com/@thesoundofaccrapodcast] Social Media: https://linktr.ee/thesoundofaccrapod [https://linktr.ee/thesoundofaccrapod] 📧 [https://emojipedia.org/e-mail] Contact Email: info[at]thesoundofaccra.com [http://thesoundofaccra.com] 🔗 Connect with Adrian 👥 Linkedin: https://www.linkedin.com/in/danielsadrian/ [https://www.linkedin.com/in/danielsadrian/] 🎙 About the Podcast The Sound of Accra Podcast was established six years ago by Adrian Daniels in January 2020, on the back of running networking events in Accra & launching a failed online platform for Ghanaian tourists, visitors and business people. The mission is to showcase Global Ghanaian Excellence by spotlighting top Ghanaian leaders.

How Warren Buffett Builds Wealth Without Selling a Single Share

Full episode: https://open.spotify.com/episode/3nuNpJrUeiXkRIuaG1Ckwr?si=QgC2RpNxRby5oUjqZlD4gA [https://open.spotify.com/episode/3nuNpJrUeiXkRIuaG1Ckwr?si=QgC2RpNxRby5oUjqZlD4gA] Old money built wealth through property and pensions. New money built it through technology, equities and crypto. So which one actually works now? In this snippet of The Sound of Accra Podcast, Adrian sits down with Michael to unpack where wealth genuinely sits in the UK, why roughly 42% of it is locked in property and what the younger generation is getting right about liquidity. We cover: * The difference between owning an asset and being able to access it * Why "asset rich, cash poor" is the trap nobody talks about * What the farmers' inheritance tax debate reveals about real wealth * How dividend investing lets you build income without ever selling your position. Michael also shares: * Where he sees financial planning heading next * Why niching down matters * The idea of finding your tribe from his LinkedIn newsletter, Mikes Moments. Special thanks to our Partners Send money to your loved ones. You should try Sendwave! Use our code TENI0 to get a £10.00 credit towards your first transfer: https://try.sendwave.com/kjap/3gju22hSupercharge [https://try.sendwave.com/kjap/3gju22hSupercharge] your media with AI thanks to Castmagic: https://www.castmagic.io/?via=adrian-daniels [https://www.castmagic.io/?via=adrian-daniels] Want to start your own podcast? We recommend Buzzsprout!: https://www.buzzsprout.com/?referrer_id=957388 [https://www.buzzsprout.com/?referrer_id=957388] Connect with Us Website: https://thesoundofaccra.com [https://thesoundofaccra.com] YouTube: https://www.youtube.com/@thesoundofaccrapodcast [https://www.youtube.com/@thesoundofaccrapodcast] Social Media: https://linktr.ee/thesoundofaccrapod [https://linktr.ee/thesoundofaccrapod] 📧 [https://emojipedia.org/e-mail] Contact Email: info[at]thesoundofaccra.com [http://thesoundofaccra.com] 🔗 Connect with Adrian 👥 Linkedin: https://www.linkedin.com/in/danielsadrian/ [https://www.linkedin.com/in/danielsadrian/] 🎙 About the Podcast The Sound of Accra Podcast was established six years ago by Adrian Daniels in January 2020, on the back of running networking events in Accra & launching a failed online platform for Ghanaian tourists, visitors and business people. The mission is to showcase Global Ghanaian Excellence by spotlighting top Ghanaian leaders.

Why Passing Down Assets Isn't Enough: The Real Generational Wealth Every Ghanaian Family Needs

Watch the full episode here: https://youtu.be/Sl92NYMeS00?si=jcSpj_cEqjC_5M1c [https://youtu.be/Sl92NYMeS00?si=jcSpj_cEqjC_5M1c] Most people think generational wealth means handing over money, property or a business to the next generation. But that is only half the picture. In this snippet featuring Michael G Donkor, we break down why the real inheritance is not the asset itself, but the skillset and knowledge that let the next generation actually use it. We get into why generational wealth is built slowly, not overnight and why patience and compounding matter more than the rush to "make it now." We also talk through what actually counts as generational wealth, from stocks and property to a family business or even crypto and why none of it lasts without the know-how to manage it. The heart of the conversation lands on a simple idea: It is one thing to own the farm, it is another thing to be a farmer. Pass down the asset without the skill and it gets lost. Pass down the knowledge, and each generation can build on what came before. If you care about building real, lasting wealth for your family and your community, this one is for you. What we cover: * Why generational wealth is built over time, not created overnight * The role of patience and compounding in long term wealth * How generational wealth can be built and lost across generations * Whether any asset class (property, stocks, business, crypto) can carry wealth forward * Why knowledge and skillset matter more than the asset itself * Passing down information the next generation can actually leverage Special thanks to our Partners Send money to your loved ones. You should try Sendwave! Use our code TENI0 to get a £10.00 credit towards your first transfer: https://try.sendwave.com/kjap/3gju22h [https://try.sendwave.com/kjap/3gju22h] Supercharge your media with AI thanks to Castmagic: https://www.castmagic.io/?via=adrian-daniels [https://www.castmagic.io/?via=adrian-daniels] Want to start your own podcast? We recommend Buzzsprout!: https://www.buzzsprout.com/?referrer_id=957388 [https://www.buzzsprout.com/?referrer_id=957388] Connect with Us Website: https://thesoundofaccra.com [https://thesoundofaccra.com] YouTube: https://www.youtube.com/@thesoundofaccrapodcast [https://www.youtube.com/@thesoundofaccrapodcast] Social Media: https://linktr.ee/thesoundofaccrapod [https://linktr.ee/thesoundofaccrapod] 📧 [https://emojipedia.org/e-mail] Contact Email: info[at]thesoundofaccra.com [http://thesoundofaccra.com] 🔗 Connect with Adrian 👥 Linkedin: https://www.linkedin.com/in/danielsadrian/ [https://www.linkedin.com/in/danielsadrian/] 🎙 About the Podcast The Sound of Accra Podcast was established six years ago by Adrian Daniels in January 2020, on the back of running networking events in Accra & launching a failed online platform for Ghanaian tourists, visitors and business people. The mission is to showcase Global Ghanaian Excellence by spotlighting top Ghanaian leaders.

Do THIS to reach Africans at scale in the marketplace

Listen to the full episode here: https://open.spotify.com/episode/0U2GPEUfyPmhtpmlSu3DoZ?si=dBDInpizR-W03jRVJneqCQ [https://open.spotify.com/episode/0U2GPEUfyPmhtpmlSu3DoZ?si=dBDInpizR-W03jRVJneqCQ] In this snippet, we explore how mobile money has leapfrogged traditional banking in sub-Saharan Africa, transforming payment landscapes and creating new opportunities for digital growth. With insights from industry experts, understand why meeting customers where they are matters and how mobile money is shaping the future of financial inclusion. Key topics: The contrast between mobile money adoption in Africa and traditional banking in other regions How mobile money bypasses decades of banking infrastructure development The role of services like M-PESA in revolutionising financial transactions The importance of local infrastructure and cultural context for digital growth Strategies for businesses to reach African consumers effectively Insights into the security and reliability of mobile money platforms The timeline comparison between African mobile payments and US services like Venmo Why mobile money is a critical component for companies expanding into Africa Special thanks to our Partners Send money to your loved ones. You should try Sendwave! Use our code TENI0 to get a £10.00 credit towards your first transfer: https://try.sendwave.com/kjap/3gju22h [https://try.sendwave.com/kjap/3gju22ha] Supercharge your media with AI thanks to Castmagic: https://www.castmagic.io/?via=adrian-daniels [https://www.castmagic.io/?via=adrian-daniels] Want to start your own podcast? We recommend Buzzsprout!: https://www.buzzsprout.com/?referrer_id=957388 [https://www.buzzsprout.com/?referrer_id=957388] Want to create and edit your own your podcast? We recommend Descript: https://descript.cello.so/Q8VoDhgOhCG [https://descript.cello.so/Q8VoDhgOhCG] Connect with Us Website: https://thesoundofaccra.com [https://thesoundofaccra.com/] YouTube: https://www.youtube.com/@thesoundofaccrapodcast [https://www.youtube.com/@thesoundofaccrapodcast ] Social Media: https://linktr.ee/thesoundofaccrapod [https://linktr.ee/thesoundofaccrapod] 📧 [https://emojipedia.org/e-mail] Contact Email: info[at]thesoundofaccra.com 🔗 Connect with Adrian 👥 Linkedin: https://www.linkedin.com/in/danielsadrian/ [https://www.linkedin.com/in/danielsadrian/] 🎙 About the Podcast The Sound of Accra Podcast was established six years ago by Adrian Daniels in January 2020, on the back of running networking events in Accra and launching a failed online platform for Ghanaian tourists, visitors and business people. The show spotlights Ghanaian Entrepreneurs, Founders and Creatives worldwide with the aim of leaving listeners with meaningful takeaways to apply to life, business and career. The mission is to showcase Global Ghanaian Excellence.