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Welcome to The Humble Penny

We became mortgage free in 7 years and achieved Financial freedom aged 34, having started from little. We want to help you to create a life Financial Joy.

Join Financial Joy Academy (FJA): our community of Dream Makers achieving Financial Freedom

Read The Wealth Habit book

Learn to Invest In Only 12 Days

Earn £1,000+ Per Month In Passive Income

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Free 42-week Programme: Take Control + Grow Your Money

Our Latest Blog Posts

Why Downgrading Your Lifestyle Will Save Your Life

Is your current lifestyle quietly draining your life? That is a difficult question, but it is one we need to ask ourselves. When we think about our mortgage, rent, car, […]

Pension vs ISA: Which Will Make You Wealthier?

Someone left a comment on our YouTube channel asking a really important question: “Is it better to put your money into a pension or an ISA?” This is one of […]

10 Retirement Numbers Everyone Needs to Know

Most people spend more time planning their next holiday than planning their retirement. And that is understandable. A holiday is easy to picture, but retirement is not. Retirement is full […]

Our Latest YouTube Videos

Relocating to save money can increase your freedom fund by over a million pounds. We analyse 7 specific locations with reasonable property prices. Are you building wealth? Read our books: The Wealth Habit https://geni.us/TheWealthHabit and Financial Joy https://geni.us/financialjoy Moving outside London is a practical strategy for those prioritising long-term wealth over city proximity. This video is for anyone considering a major life change to improve their financial independence. We establish a baseline for comparison to show exactly how much capital you could retain by choosing a more affordable area over a high-cost capital city. We break down 7 specific locations that offer a balance of accessibility and value. By comparing current property prices, we illustrate how relocating to save money impacts your ability to build a robust freedom fund. Whether you are looking for more space or lower monthly expenses, these affordable places to live provide a realistic path forward. ✅ Read Financial Joy book: https://geni.us/financialjoy ✅ Book 121 Power Hour Coaching - https://checkout.financialjoyacademy.com/power-hour/ ✅ 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 ★★ RESOURCES MENTIONED ★★ Use our free lifestyle calculator: https://thehumblepenny.com/lifestyle. ★★ POPULAR VIDEOS ★★ Why Downgrading Your Lifestyle Will Save Your Life: https://youtu.be/w_hTUOlqdTw?si=qFobkNCMX6Nv5JJM 8 Investments You Must Have By Age 45 - https://youtu.be/3iSvjRyArqI?si=0cx2GcuHy6XH19fU 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 ★★ READ THE BLOG POST ★★ ★★ 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/ Best, Ken and Mary #relocation #financialfreedom #downsizing ★★ WHAT THIS VIDEO IS ABOUT★★ 7 UK Places Where Moving Could Make You £1 Million Richer Warning: Investments can go down as well as up. This video is not financial advice or a personal recommendation to you. 0:00 Intro 0:25 The London property baseline comparison 3:01 Location number 1 5:20 Location number 2 6:50 Location number 3 8:47 Location number 4 10:04 Location number 5 11:33 Location number 6 12:47 Location number 7 14:46 Our personal reflection on where to live 16:15 The real question to ask before buying 17:23 Our relocation journey 17:47 Important caveats 18:15 Costs to consider 19:06 Conclusion
7 UK Places Where Moving Could Make You £1 Million Richer
A couple moving from London to Nottingham slash their mortgage by £250k! That £1000 monthly saving, invested for 20 years, could grow to £520k. Smart moves to unlock financial freedom. This won't apply to some people, of course, but if you could make this move and achieve this outcome, would you? 😀 FULL VIDEO: https://youtu.be/F5lqxNfiYfQ?si=tdmydSLVG8S1ySZc #PropertyLadder #FinancialFreedom #Investing #UKProperty #CostOfLiving
Buy a Cheaper House: Boost Freedom Pot by £520k #shorts
Achieving financial freedom often requires downsizing your lifestyle. Learn how smaller housing and lifestyle choices accelerate early retirement. Use our free lifestyle calculator to see the true cost of your lifestyle: https://thehumblepenny.com/lifestyle. Read The Wealth Habit https://geni.us/TheWealthHabit This video breaks down the practical steps for anyone looking to reach financial goals faster. We discuss how simplifying your daily expenses can create the capital needed to exit the traditional workforce years ahead of schedule. If you are tired of high overhead costs, these strategies offer a clear path forward. Downsizing lifestyle choices is not about deprivation, but about intentionality. By analyzing specific examples of how reducing housing and vehicle costs impacts your budget, you will see exactly how simple living can shorten your timeline to independence. This approach works for everyday people who want to reclaim their time. ✅ Read Financial Joy book: https://geni.us/financialjoy ✅ Book 121 Power Hour Coaching - https://checkout.financialjoyacademy.com/power-hour/ ✅ 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 ★★ RESOURCES MENTIONED ★★ Use our free lifestyle calculator: https://thehumblepenny.com/lifestyle. ★★ POPULAR VIDEOS ★★ Why Downgrading Your Lifestyle Will Save Your Life: https://youtu.be/w_hTUOlqdTw?si=qFobkNCMX6Nv5JJM 8 Investments You Must Have By Age 45 - https://youtu.be/3iSvjRyArqI?si=0cx2GcuHy6XH19fU 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 ★★ READ THE BLOG POST ★★ ★★ 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/ Best, Ken and Mary #lifestyle #financialfreedom #downsizing ★★ WHAT THIS VIDEO IS ABOUT★★ Would You Downsize to Reach Financial Freedom Faster? Warning: Investments can go down as well as up. This video is not financial advice or a personal recommendation to you. 0:00 Why Downsizing Could Be Your Path to Freedom 1:05 Why So Many of Us Are Just Existing 4:50 Practical Ways to Start Downsizing 7:03 Real-Life Examples of Successful Downsizing 12:33 International Moves and Location Arbitrage 20:45 Living Your One Life to the Fullest
Would You Downsize to Reach Financial Freedom Faster? 5 Real-Life Stories.
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