The Habits That Actually Build Wealth

Why does building wealth feel complicated, slow, or out of reach, even when you are earning and doing “the right things”? In this episode of The Wallet, Emilie Bellet (Vestpod) is joined by Mary and Ken Okoroafor, founders of The Humble Penny and authors of The Wealth Habit . Together, we unpack why wealth is less about income and more about habits, identity, and systems, and how small, consistent actions can create long-term financial security. We discuss: Why wealth starts with habits, not income The identity shift required to become a wealth builder The systems that matter most, including paying yourself first Why mindset without action leads to “analysis paralysis” How emotional spending happens, and how to add friction The £1 shift and how to start earning beyond your main income The trade-offs required to build long-term wealth AD | This episode is sponsored by Wealthify. Wealthify makes investing simple by managing your investments for you. And if you deposit or transfer into their Stocks and Shares ISA, you could earn between £50 and £1,000 in cashback. Open your account at Wealthify.com . T&Cs and minimum investments apply. Registration closes on 31st May 2026. Cashback varies by total investment amount. With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority. Resources Mary & Ken's new book: The Wealth Habit The Humble Penny Website Instagram @thehumblepenny and @financialjoyacademy Connect with Vestpod Sign up to The Edit newsletter: Courses and bootcamps: Follow on Instagram: Emilie’s book: You’re Not Broke, You’re Pre-Rich The information shared is for educational purposes only and is not financial advice. Hosted on Acast. See acast.com/privacy for more information.

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The Habits That Actually Build Wealth is an episode from The Wallet by Emilie Bellet.

This episode is 48:51 long.

This episode was published on Apr 1, 2026.

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