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🤝 Sponsors Lightyear Use code SAVVY or go to https://lightyear.com/savvywallet to get up to £100 in a US fractional share in your GIA. Capital at risk. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. Valid for new users who complete onboarding and deposit at least £100. The reward can be withdrawn 6 months after it’s credited. In this episode, Ato speaks with Tsitsi Mutiti is an Investment Manager at Charles Stanley with over 13 years of experience in wealth management. She specialises in building and managing portfolios for high-net-worth clients, supporting them across investments, pensions, and trusts. We discuss: - Growing up in Zimbabwe and how it shaped her - How she got herself out of £50,000 debt - The importance of knowing your "why" when investing - How to stay calm during stock market crashees - What is dividend investing and how it helps to build wealth - How investing changes when you need to live off the money - The 3 stages of wealth and much more 🔗 Connect with Tsitsi : Tsitsi's Linkedin: https://www.linkedin.com/in/tsitsi-mutiti-chartered-fcsi/ 📩 Sign up to my mailing list to be the first to know about upcoming events: https://eepurl.com/hJEcLL 🤝 Partners Black Business Show - Grab FREE tickets to UK Black Business Show (On Sat) or Black Women Business Talks/Black Men Business Talks with the code "SAVVYFREE" https://www.ukblackbusinessweek.com/tickets/ Use code "UKBB15" for 15% off all other events throughout the week 📚Coursera - Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use: https://imp.i384100.net/savvywallet Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you. TIMESTAMPS 0:00 - Preview 0:59 - Intro 1:10 - Meet Investment Manager, Tsitsi Mutiti 8:27 - How I got out of £50,000 debt 16:19 - My money lessons from growing up in Zimbabwe 20:58 - When I knew I could create wealth for myself 26:28 - Lightyear Ad 27:46 - Investing money with high net worth clients 31:49 - Pressure to invest other peoples money 34:50 - How I reassure my clients in stock market crashes 40:55 - What I’ve learnt from investing professionally 43:24 - What is a dividend portfolio 45:58 - Why is dividend helpful for financial freedom 49:13 - The importance of ISA’s 54:25 - The different ways to get dividends 58:01 - How to find out what the dividends you’ll get paid 1:01:00 - What helps people earn £1,000 a year from dividends 1:04:48 - The power of reinvesting dividends 1:07:01 - Exploring dividend approaches 1:08:08 - Common Pitfalls chasing dividend investments 1:11:22 - What can affect dividend investments 1:19:32 - How investing changes when you need the money 1:25:20 - Message if you want to build serious wealth 1:28:33 - Final words Other episodes to watch: EP. 189 - Financial Advisor: Have Less Than £10k? Do This To Build Wealth From Scratch ft. Bola Sol https://youtu.be/B5vDh94nuZk EP. 188 - Money Psychologist: 7 Psychology Shifts To Get Rich, Stay Rich, and Build Wealth ft. Norma Cassius https://youtu.be/G1NwI5THtZk EP. 187 - Financial Advisor Reveals The 4 Assets You Need To Build Your Wealth (And Keep It) ft. Jerran Whyte https://youtu.be/UTqL4LeH8KQ EP. 186 - Fraud Expert Reveals The New AI Scams Emptying Your Bank Accounts In Minutes ft. Nick Stapleton https://youtu.be/UEZSPPXeQEY EP. 185 - Money Expert: "They’re Wrong!" The 7 Money Habits That Quietly Build Wealth From A 9–5 Job ft. Natalie Scott Powers https://youtu.be/tjhHxnpAADM EP. 184 - “Buy and Hold Is Lazy” Investing Experts Debate Passive Investing vs Active Investing ft. Andrew Craig & Debodun Osekita https://youtu.be/VWGoPGg0Idk EP. 183 - Money Making Expert: If I Wanted To Make £1 million In The Next 12 Months, I'd Do This! ft. Oyin Adebayo https://youtu.be/ACr-ecFWi7Q EP. 182 - Stock Market Millionaire: How I Turned £500 A Month Into £1M+ (And How You Can Too!) ft. Leon Boros https://youtu.be/mufcv88NvI4 EP. 181 - Ex-Private Banker: If I Wanted To Go From Zero To Serious Wealth, I’d Do This! ft. Deborah Williams https://youtu.be/rq7mRGs1PVU EP. 180 - Global Tax Expert: The Best Countries to Escape Tax & Build Real Wealth ft. Peter Ferrigno https://youtu.be/pj6fKrcAajQ EP. 179 - Financial Advisor Reveals The Best Ways To Retire In Your 30’s, 40’s or 50’s ft. Michael Donkor https://youtu.be/WZgDRiPzM30 EP. 178 - Senior Director: My Best Career Advice For Reaching The Top Without Playing The Game ft. Joyce Idoniboye https://youtu.be/pDmXs7E2Dko Disclaimer: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation.