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 downturns - 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/ 🤝 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 The reward can be withdrawn 6 months after it’s credited. 🤝 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" Get tickets: 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 downturns 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 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