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The Humble Penny

Welcome to The Humble Penny

We achieved Financial Independence aged 34 including mortgage free in 7 years. We can help you to create a life of Financial Joy.

We achieved Financial independence aged 34 and we want to help you to create Financial Joy

Order our book, 'Financial Joy'

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Learn to Invest In Only 12 Days

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Our Latest Blog Posts

Why Do You Have The Audacity To Dream Big?

“It's the audacity for me. Why do you have the audacity to think you can do it?” A friend asked me this question during a phone call to celebrate us […]

Financial Joy vs The Wealth Habit: Which Book Should You Read – And Do You Need Both?

Financial Joy vs The Wealth Habit Since we announced our new book, The Wealth Habit (now a Sunday Times Bestseller), the single most common question we’ve had in our DMs, our […]

Why Small Changes Make You Rich

Wealth isn't built in big leaps; it is built in layers. Let’s say this upfront. Earning more money does matter, of course. More income gives you options, flexibility and leverage. […]

How I Turned My Side Hustle to Full Time Popular Posts

How I Turned My Side Hustle to Full-Time Business In 2 Years

How I Turned My Side Hustle to Full-Time Business In 2 Years – Ad | This is a paid partnership with Superscript Turning a side hustle or passion

How to Build a £100K UK Pension Pot in 5 Years Popular Posts

How to Build a £100K UK Pension Pot in 5 Years

How to build a £100k UK Pension Portfolio in 5 years – Ad | This is a paid partnership with PensionBee We recently asked our communities on YouTube

How To Save Money Popular Posts

How To Save Money To Become a Millionaire (8 Places Your Money NEEDS To Go)

How I Turned My Side Hustle to Full-Time Business In 2 Years – Ad | This is a paid partnership with Superscript Turning a side hustle or passion

Our Latest YouTube Videos

AD - In today's ever-changing economic landscape, traditional advice on just saving money no longer cuts it. Learn what our parents got right with managing money and what we are doing additionally to invest and build wealth for the future. Start investing with Hargreaves Lansdown: https://www.hl.co.uk/. Read The Wealth Habit https://geni.us/TheWealthHabit. This video is sponsored by Hargreaves Lansdown @hargreaveslansdown Unlike cash, investments can fall as well as rise in value, so you could get back less than you put in. Tax rules change, and benefits depend on personal circumstances. ★★ RESOURCES ★★ ✅ Read Financial Joy book: https://geni.us/financialjoy ✅ Book 121 Power Hour Coaching - https://checkout.financialjoyacademy.com/power-hour/ ✅ Join Financial Joy Academy - https://financialjoyacademy.com ✅ FREE 42-week Take Control & Grow Your Money Programme - https://thehumblepenny.com/takecontrol ✅ Visit The Humble Penny Shop - https://shop.thehumblepenny.com/collections/all ✅ Gain investing confidence in only 12 days with the 'Super Simple Investing' course - https://thehumblepenny.com/SSI ★★ RESEARCH MENTIONED ★★ Home ownership (30–34) fell by 20%: https://www.resolutionfoundation.org/app/uploads/2023/11/An-intergenerational-audit-for-the-UK-2023.pdf Resolution Foundation: millennials earned 8% less at age 30 vs previous generation: Same link as above. CPI inflation figure at 3%: https://www.ons.gov.uk/economy/inflationandpriceindices Bank of England 2% inflation: https://www.bankofengland.co.uk/monetary-policy/inflation FCA findings on cash savings attitudes: https://www.fca.org.uk/publication/financial-lives/fls-2024-consumer-investments.pdf ONS median household wealth (65–74 head of household): https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/incomeandwealth/bulletins/totalwealthingreatbritain/april2020tomarch2022 IFS auto-enrolment reference: https://ifs.org.uk/articles/roll-first-decade-automatic-enrolment-workplace-pensions Screenshot at 6:36 - https://www.hl.co.uk/ Screenshot at 10:15 https://www.hl.co.uk/shares/shares-search-results/v/vanguard-funds-plc-s-and-p-500-ucits-etf-usd For news and insights from Hargreaves Lansdown, head here 👉 https://www.hl.co.uk/news ★★ POPULAR VIDEOS ★★ Index Funds and ETFs Explained | How to Start Investing For Beginners: https://youtu.be/mIOEMLAc-bo?si=9JIHDkKmOWkWaGqK UK vs US Wealth By Ethnicity: The Shocking Truth - https://youtu.be/CcDFA2Q77cU?si=C2H9ZOphGwqsIQbw UK vs US Wealth By Age: Are You Richer Than Most People Your Age? https://youtu.be/FDJmu742CRM?si=wlPXWz3cYFtjB54W How to Calculate Your Net Worth (+ FREE WEALTH TRACKER) - https://youtu.be/j7ELNOobf1A?si=6ve8VR2PnQVwP_Ug Invest THIS In An ISA To Make £2,000 Per Month Passive Income (Tax-Free) - https://youtu.be/uiJs9ZBlQlU?si=o5M2z67llrODP0DS If You Have £5,000 In The Bank, Do These 5 Things - https://youtu.be/Ckdqp7WvdfY ★★ EQUIPMENT USED ★★ Canon EOS M50 Camera - https://amzn.to/2zcz1K0 Canon EF 24 - 70mm F2.8L Lens - https://amzn.to/2lFwdRQ Tripod - https://amzn.to/2YC3Sto Microphone - https://amzn.to/2lFs0O2 ★★ ABOUT US ★★ Ken and Mary Okoroafor are 2 X Sunday Times bestselling authors of Financial Joy and The Wealth Habit. They are Financial and Business Coaches who founded The Humble Penny and Financial Joy Academy, with the mission to help millions create lives of Financial Joy: working towards financial freedom while also enjoying life now. They achieved Financial Freedom aged 34 (including mortgage-free in 7 years) with Ken having started his journey as a first-generation immigrant to the UK aged 14, and Mary was born to a hard-working working-class family in London. Ken and Mary are married with 2 children and love outdoor activities and travelling to explore new adventures. Ken is a Chartered Accountant (ACA, ICAEW), Non-Executive Director and holds an MBA from the Judge Business School, University of Cambridge. He had over 14 years of experience as an executive Chief Financial Officer (CFO) in the Investment Business in London and took the leap in April 2020 to begin running his own business full-time together with his wife, Mary, as business partners. Mary is an entrepreneur with 12 years of experience across media and IT, with 7 years also growing a childcare business and years of growing a successful online business ★★ WANNA CONNECT? ★★ Blog: https://thehumblepenny.com LinkedIn: https://www.linkedin.com/in/ken-okoroafor/ LinkedIn: https://www.linkedin.com/in/mary-okoroafor/ Instagram: https://www.instagram.com/thehumblepenny/ TikTok: https://www.tiktok.com/@thehumblepenny Email: support@thehumblepenny.com ★★ BUILD WEALTH ★★ Join Financial Joy Academy to build wealth with tailored Wealth Paths, Community, Accountability and coaching: https://www.financialjoyacademy.com/ Best, Ken and Mary #investing #investingforbeginners #financialfreedom Our Parents Were Right About Money Until Now
Our Parents Were Right About Money… Until Now
Someone recently asked me, "I'm 51 and don't feel financially prepared for retirement. What should I prioritise first?" I shared 7 steps in the full video: https://youtu.be/_vVCPjEMmOM?si=n2CGIy3JDrlP6ZUS Honest reflection is step one. Understand why you are where you are, without blame. Life throws curveballs, but clarity starts with acknowledging your journey. It is not too late for you. A focused plan at 51 is more powerful than another 5 years of avoidance. And in times like these, that applies to people in their 40s, too. DM us if you need tailored 121 help with your future retirement planning 🙂 #Retirement #fyp #PersonalFinance #RetirementPlanning #FinancialFreedom
Retirement Planning: “Have I left it too late?” #shorts
Feeling like it's too late for retirement planning? Especially for those in their early 50s. Today, I share 7 actionable steps to help you prepare for a secure and fulfilling retirement, focusing on key financial planning strategies. Book 121 Power Hour Coaching - https://checkout.financialjoyacademy.com/power-hour/ ✅Read The Wealth Habit https://geni.us/TheWealthHabit ✅ Read Financial Joy book: https://geni.us/financialjoy ✅ Join Financial Joy Academy - https://financialjoyacademy.com ✅ FREE 42-week Take Control & Grow Your Money Programme - https://thehumblepenny.com/takecontrol ✅ Visit The Humble Penny Shop - https://shop.thehumblepenny.com/collections/all ✅ Book 121 Financial Freedom Coaching - https://checkout.financialjoyacademy.com/financial-freedom ✅ Gain investing confidence in only 12 days with the 'Super Simple Investing' course - https://thehumblepenny.com/SSI ✅ Other Coaching Offerings: https://thehumblepenny.com/coaching ★★ POPULAR VIDEOS ★★ Index Funds and ETFs Explained | How to Start Investing For Beginners: https://youtu.be/mIOEMLAc-bo?si=9JIHDkKmOWkWaGqK UK vs US Wealth By Ethnicity: The Shocking Truth - https://youtu.be/CcDFA2Q77cU?si=C2H9ZOphGwqsIQbw UK vs US Wealth By Age: Are You Richer Than Most People Your Age? https://youtu.be/FDJmu742CRM?si=wlPXWz3cYFtjB54W How to Calculate Your Net Worth (+ FREE WEALTH TRACKER) - https://youtu.be/j7ELNOobf1A?si=6ve8VR2PnQVwP_Ug Invest THIS In An ISA To Make £2,000 Per Month Passive Income (Tax-Free) - https://youtu.be/uiJs9ZBlQlU?si=o5M2z67llrODP0DS If You Have £5,000 In The Bank, Do These 5 Things - https://youtu.be/Ckdqp7WvdfY ★★ EQUIPMENT USED ★★ Canon EOS M50 Camera - https://amzn.to/2zcz1K0 Canon EF 24 - 70mm F2.8L Lens - https://amzn.to/2lFwdRQ Manfrotto Tripod - https://amzn.to/2YC3Sto Apple iMac 2019 - https://amzn.to/2lEXNyz Rode Microphone - https://amzn.to/2lFs0O2 ★★ ABOUT US ★★ Ken and Mary Okoroafor are 2 X Sunday Times bestselling authors of Financial Joy and The Wealth Habit. They are Financial and Business Coaches who founded The Humble Penny and Financial Joy Academy, with the mission to help millions create lives of Financial Joy: working towards financial freedom while also enjoying life now. They achieved Financial Freedom aged 34 (including mortgage-free in 7 years) with Ken having started his journey as a first-generation immigrant to the UK aged 14, and Mary was born to a hard-working working-class family in London. Ken and Mary are married with 2 children and love outdoor activities and travelling to explore new adventures. Ken is a Chartered Accountant (ACA, ICAEW), Non-Executive Director and holds an MBA from the Judge Business School, University of Cambridge. He had over 14 years of experience as an executive Chief Financial Officer (CFO) in the Investment Business in London and took the leap in April 2020 to begin running his own business full-time together with his wife, Mary, as business partners. Mary is an entrepreneur with 12 years of experience across media and IT, with 7 years also growing a childcare business and years of growing a successful online business. ★★ WANNA CONNECT? ★★ Blog: https://thehumblepenny.com LinkedIn: https://www.linkedin.com/in/ken-okoroafor/ LinkedIn: https://www.linkedin.com/in/mary-okoroafor/ Instagram: https://www.instagram.com/thehumblepenny/ YouTube: https://youtube.com/thehumblepenny Facebook: https://www.facebook.com/thehumblepenny/ TikTok: https://www.tiktok.com/@thehumblepenny Email: support@thehumblepenny.com ★★ BUILD WEALTH ★★ Join Financial Joy Academy to build wealth with tailored Wealth Paths, Community, Accountability and coaching from us directly: https://www.financialjoyacademy.com/ 0:00 - The retirement dilemma 1:28 - Financial Joy book 1:37 - The Wealth Habit book 2:41 - Step 1: Reflect on why you are where you are now 4:01 - Step 2: Which version of retirement do you want? 6:15 - Step 3: Decide where you want to retire 8:29 - Step 4: Decide how much you'll need to retire 12:20 - Step 5: Work out the gap between where you're now and your goal 14:05 - Step 6: Decide how to fill the gap 17:15 - Step 7: Additional resources to help you prepare for retirement 18:27 - Conclusion Best, Ken and Mary #investing #retirementplanning #retirement ★★ WHAT THIS VIDEO IS ABOUT★★ I'm 51 and Don't Feel Financially Prepared For Retirement. What Should I Do?
I’m 51. Is It Too Late To Retire Comfortably?
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