In this episode, Ato speaks with Deborah Williams is a seasoned financial professional who held roles in private banking and relationship management at top institutions including NatWest, Brown Shipley, Coutts, and C. Hoare & Co where she advised high-net-worth individuals. She was a 2018 finalist for Private Banker of the Year at the Women in Finance Awards and now works as a financial coach and moderator with Female Invest and Black Girl Finance. We discuss: 3 most surprising things she encountered working in private banking Defining your wealth identity The 5 stages of wealth: from zero to building wealth to leaving a legacy Key accounts needed to build up your savings and wealth What it really means to create a lasting legacy and much more 🔗 Connect with Deborah: Linkedin: https://www.linkedin.com/in/deborah-williams-13a81981 Join Black Girl Finance Group: https://payhip.com/b/dmiTW 📩 Sign up to my mailing list to be the first to know about upcoming events: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/hJEcLL⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💼 What's in The Wallet Submit any question anonymously and it may get answered in future episodes. Drop your question here: ⁠⁠⁠⁠⁠⁠https://tally.so/r/w5gzdE⁠⁠⁠⁠⁠ 🤝 Partners 📚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 1:17 - Intro 1:28 - Meet Ex-Private Banker & Financial Coach Deborah 3:24 - Growing up in North-West London 6:08 - My relationship with money 11:43 - Financial mistakes that I made 16:20 - Why I pursued a career in banking 18:41 - 3 Things that surprised me about working in private banking 26:35 - Conversations the wealthy have that we don’t! 32:52 - People don’t believe you can become wealthy with a 9-5 35:53 - Do you need to see yourself as wealthy? 40:05 - Did you ever feel stuck financially? 42:16 - Traits that say you’re financially struggle 45:38 - How to stop being in denial 51:49 - How to develop your saving operating system 53:52 - Key accounts to build up your savings 58:24 - Traits that say you’re financially stable 1:01:59 - How to not slip back into bad money habits 1:04:48 - Do this when you’re financially stable 1:07:07 - Steps to grow your wealth 1:11:30 - Unconventional ways to generate more money! 1:16:42 - How to be comfortable building wealth over the long-term? 1:18:19 - Habits and routines to preserve your wealth 1:22:00 - How to figure out the right investments for you 1:24:22 - What does creating a lasting legacy really mean? 1:27:26 - What are the essential financial things you need to do! 1:30:04 - Working with a financial coach 1:31:36 - Final words 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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“What did the council decide on item 42?” — answered with the speaker and the moment.

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