Bread & Butter

Two years in. No missed weeks. Two different countries. And still showing up.

In this episode, Tayo and Iman sit down in London and speak openly about the real journey behind building the Bread & Butter Podcast. No filters.

They break down what worked, what failed, and what cost them the most. From flying back and forth across countries to building a team, they share the truth about consistency and the pressure behind the scenes.

They also open up about getting scammed during production. Money paid. No service delivered. A full year later and still no refund. This is the side of business most people hide.

You will hear the biggest lessons from two years of growth:


Why value alone does not guarantee reach


The shift from organic growth to systems and structure


The importance of preparation at higher levels


Why most podcasts fail early


How environment shapes the opportunities you see

They also speak on partnership. Why working with someone you respect matters more than anything when the pressure hits.

This episode is honest. Reflective. And focused on what comes next.

If you are building something, this will hit home.

Subscribe. Share with someone building with you.
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What does wealth look like when you build it with purpose, discipline, faith and long term vision?

In this episode of The Bread and Butter Podcast, Tayo and Iman sit down with Ken and Mary Okoro, the couple behind The Humble Penny, for a rich and honest conversation about money, marriage, faith, legacy and what it takes to build lasting wealth without losing yourself in the process. As pioneers in the UK finance space, Ken and Mary share how they went from side hustling through blogs and early YouTube videos to building one of the most trusted financial education platforms in the community.

The conversation starts with a light-hearted quick fire round, which quickly reveals the real money dynamic in their home. From checking the bank account daily to handling investment decisions, apologising after money disagreements and defining what FIRE really means, Ken and Mary give a rare look into how they manage finances as a couple. Their version of financial independence is not about sitting still or escaping work. It is about choice, freedom, peace and building a life where work becomes optional.

They also open up about their upbringing and the money stories which shaped them. Mary reflects on growing up in Hackney in a frugal immigrant household, learning discipline, saving early, and later battling the pressure to keep up appearances. Ken shares his experience of moving from Nigeria to the UK as a teenager and how survival, sacrifice and watching his parents start again shaped his early relationship with money. Together, they explain how those early experiences influenced their mindset, habits and eventual approach to wealth.

This episode goes deeper than budgeting tips and investing talk. Ken speaks powerfully about integrity, faith and why success means nothing if you lose your values on the way up. Mary explains how they make financial decisions through the lens of purpose, stewardship and alignment, rather than greed or status. They both speak openly about being Christians, pursuing wealth and rejecting the idea that money itself is bad. Instead, they make the case for seeing money as a tool to serve, support and create impact.

The episode also explores why they chose YouTube on purpose, how long form content helped build trust with their audience, and how their platform grew into a full-time business. Ken explains why content, when done well, creates connection at scale. He also breaks down why building wealth is less about chasing more income and more about creating systems which help you keep more of what you earn and put it to work. From paying off their mortgage in their 30s to ignoring outside pressure to look rich, Ken and Mary share the mindset shifts which changed their lives.

They also introduce their new book, The Wealth Habit, and explain why this one is different. While Financial Joy focused on resetting your relationship with money, The Wealth Habit is about building the mindset, habits and systems which make wealth building inevitable, sustainable and repeatable. They unpack the common money mindsets which hold people back, including scarcity, employee thinking, analysis paralysis and the obsession with overnight success.

This is a conversation about more than money. It is about identity, marriage, faith, discipline, community and what it takes to build something which lasts. If you want to stop chasing the image of wealth and start building the real thing, this episode is for you.

Make sure you watch until the end, like, comment and subscribe. Let us know your biggest takeaway in the comments, and do not forget to pre-order or grab a copy of The Wealth Habit.
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Running a business, building wealth and planning your future is important.

But one conversation most families avoid is what happens when someone dies.

No one likes talking about death, wills or inheritance, yet the absence of those conversations is what often creates the biggest problems.

In this episode, we sit down with Precious to discuss the realities of death, financial preparation and how families protect wealth across generations.

Too many people build assets but leave no structure.
Too many families avoid difficult conversations until it’s too late.
And too many estates end up in conflict because nothing was written down.

We talk about: • Why writing a will is one of the most responsible financial decisions you can make • What happens when someone dies without a plan • The emotional and financial impact of inheritance disputes • Cultural attitudes towards death and why many people avoid planning • How families can protect assets and reduce conflict • Why clarity around money matters even after you’re gone • The importance of preparing the next generation to manage wealth

Death is uncomfortable to talk about, but ignoring it can leave the people you love dealing with confusion, stress and unnecessary conflict.

Planning ahead isn’t pessimistic. It’s responsible.

If you care about protecting your family, your assets and your legacy, this episode is essential listening.

Subscribe, share, and join the Patreon for ad-free episodes, early drops and live sessions with Tayo & Eman:

🎧 Tap in now, and don’t forget to Like, Share & Subscribe!

The Bread and Butter by Emmanuel Asuquo & Tayo Oguntonade is not your typical finance or business podcast, it explores real-life stories of how money plays a part in our day-to-day life - with no boundaries, no secrets and no censorship. In each episode we invite you to be a fly in the room when we discuss money taboos, key financial advice and some of the hottest money topics online, often with well-known guests from influencers, athletes to musicians. Together we discuss money in a super relatable way, talk about the impacts it's had on their journey and the role it plays today. Topics will revolve around how money plays a part in parenting, living and working abroad, entrepreneurship and content creation & more!
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Fred Santana joins Bread & Butter for one of the most honest conversations we have had.

For ten years, 90s Baby Show has grown from a small audio podcast on the purple app into a full time media platform. In this episode, Fred reflects on the journey. The early days. The raggedy setup. The leap from nine to five jobs into full time content. And the mindset that kept him steady through it all.

Fred speaks openly about his personality. He says he works in a state of anger. Not chaos. Not drama. Boundaries. Standards. Refusing to get taken advantage of in business. That mindset shaped how he navigated contracts, negotiations, and partnerships. It also shaped how he handled pressure when things went public.

The conversation moves into responsibility. When you start, you speak freely. As you grow, young listeners tune in. Parents email. Brands watch. Headlines form. Fred explains how the 90s Baby audience shifted over time, and how influence brings weight. Every clip travels further than you expect.

Plantmade becomes a key topic. What happens when a business enters administration. What happens when narratives spread before context. Fred addresses being owed money, the reaction from the community, and why business conversations need facts, not feelings. Debt, ownership, profit, and loss all mean different things. This episode breaks down why understanding those differences matters if you want to build.

They also unpack the Eni Aluko interview that spread across sports media. A clip about Ian Wright went viral. Mainstream outlets picked it up. Talk radio debated it. Comments crossed the line. Fred shares what it feels like when the algorithm sends your content to an audience that does not know you. He explains the balance between journalism, loyalty to your guest, and protecting mental health when public reaction turns hostile.

Beyond controversy, this episode is about growth. Marriage. Fatherhood. Staying grounded while your platform expands. Fred speaks on living with his best friend, raising a child, and how life changed without him changing who he is at the core.

He closes with lessons. A personal win in marriage and family. A business regret where fear stopped them from upgrading studios sooner. A reminder that opportunities come when you work consistently, even when money is tight and the future looks uncertain.

If you create content, run a business, or want to understand how modern platforms shape reputation, this conversation gives you the parts people rarely show. The doubt. The backlash. The decisions behind the scenes. And the mindset required to last a decade in public.

Subscribe for more conversations on business, culture, finance, and legacy.

🎧 Tap in now, and don’t forget to Like, Share & Subscribe!

The Bread and Butter by Emmanuel Asuquo & Tayo Oguntonade is not your typical finance or business podcast, it explores real-life stories of how money plays a part in our day-to-day life - with no boundaries, no secrets and no censorship. In each episode we invite you to be a fly in the room when we discuss money taboos, key financial advice and some of the hottest money topics online, often with well-known guests from influencers, athletes to musicians. Together we discuss money in a super relatable way, talk about the impacts it's had on their journey and the role it plays today. Topics will revolve around how money plays a part in parenting, living and working abroad, entrepreneurship and content creation & more!
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Running a business with a partner sounds smart. You share the risk. You split the costs. You combine skills. But most partnerships do not fail because of money. They fail because of ego, poor communication and unclear expectations.

In this episode, we break down what people get wrong when they go into business together. We talk about why you should focus on doing your part instead of counting your partner’s hours. If you start mirroring bad behaviour, the business suffers. Standards drop. Resentment grows. Results fall.

We explain why results matter more than effort. One partner might work twelve visible hours. Another might think, plan and execute in half the time. If the agreed targets are met, the model works. If they are not, you have a problem. Stop comparing effort. Start measuring outcomes.

We also cover the unsexy but critical stuff. Contracts. Clear roles. Profit splits. Reinvestment rules. What happens in case of death. When you take dividends. When you reinvest. These conversations feel awkward at the start. They save friendships later. Have them when things are going well, not when money is tight.

We speak about value alignment and why mindset fit matters more than hype. We explain why investors often prefer more than one director. Accountability reduces risk. Emotional decisions kill businesses. A strong partner challenges you before the market does.

We also get honest about the downsides. Delays. Missed opportunities. Spouses getting involved. Different financial pressures at home. If your partner relies on the business to pay their mortgage, reinvestment decisions hit differently. You need transparency.

Finally, we talk about ownership culture. Give key people skin in the game. Pay people well. Tie effort to reward. It costs more to replace great talent than to reward it properly.

If you are thinking about starting a business with a friend, this episode will help you avoid common traps and build something that lasts.

🎧 Tap in now, and don’t forget to Like, Share & Subscribe!

The Bread and Butter by Emmanuel Asuquo & Tayo Oguntonade is not your typical finance or business podcast, it explores real-life stories of how money plays a part in our day-to-day life - with no boundaries, no secrets and no censorship. In each episode we invite you to be a fly in the room when we discuss money taboos, key financial advice and some of the hottest money topics online, often with well-known guests from influencers, athletes to musicians. Together we discuss money in a super relatable way, talk about the impacts it's had on their journey and the role it plays today. Topics will revolve around how money plays a part in parenting, living and working abroad, entrepreneurship and content creation & more!

Learn more about your ad choices. Visit podcastchoices.com/adchoices