Pennies To Pounds Podcast

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Pennies To Pounds presents Where We Learned It, a powerful roundtable conversation exploring how money, culture and legacy shape the Black British experience.
Hosted by Kia Commodore, this discussion brings together Emmanuel Asuquo, Angel Arutura, Rotimi Merriman-Johnson and Elaine Babey for an honest conversation about money, identity and community.
Together, they unpack where we really learned about money growing up, the unspoken financial rules that shaped us, and how a new generation is redefining Black British wealth.
🎥 Watch the full roundtable on YouTube: https://youtu.be/IhX-yImevkQ
In this episode, we explore:
How money lessons were passed down through generations
The influence of culture and community on financial habits
The unspoken rules of money within Black British households
Hustling culture, legacy and redefining success
How Gen Z and Millennials view wealth, stability and freedom
This episode dives deep into financial education, cultural legacy and generational wealth within the UK’s Black community. Expect honesty, reflection and real stories that connect finance to everyday life.
Next time, we’ll be exploring another community of underserved voices in the next edition of the Where We Learned It roundtable series — continuing the conversation on money, identity and culture from new perspectives.
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Website - www.penniestopounds.co.uk

Contact - info@penniestopounds.co.uk

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We’ve all copied money advice we thought would make us rich — but what if it’s actually keeping you broke?
In this episode, Kia is joined by Kennie Bukky, finance expert and money strategist, to separate the smart moves from the scams. From the worst financial advice that still goes viral, to the habits that quietly build wealth over time, Kennie is here to cut through the noise.
💡 We get into:
The biggest money myths keeping Gen Z and Millennials broke
Why “looking rich” and being rich are two completely different things
The simple money changes that instantly improve your finances
How to filter financial advice when everyone online claims to be an expert
The 3 things you should prioritise with money in your 20s
Plus, we play Rich or Ridiculous, debating everything from Buy Now Pay Later to quitting your job to become a content creator.
This episode will make you rethink the money moves you copy, helping you finally start building wealth on your own terms.
Support the show
FOLLOW PENNIES TO POUNDS 💸
Instagram - https://www.instagram.com/penniestopoundspod/
Twitter - https://twitter.com/penniestopound
TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1
LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - info@penniestopounds.co.uk

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Forget what you’ve heard — apprenticeships aren’t just for people who “couldn’t get into uni.”
In this episode, Kia sits down with Elijah, founder of The Black Apprentice Network, to break down the truth about degree apprenticeships, why they deserve way more respect, and how they can set you up for success — without £30K of student debt.
We get into:
💡 The biggest myths about apprenticeships (and why they’re wrong)
💡 The hidden benefits no one talks about — from networking to early career wins
💡 Whether uni is oversold to young people in 2025
💡 The real career progression after an apprenticeship
💡 Why more schools need to talk about apprenticeships like they talk about UCAS
Whether you’re picking your post-school path or thinking about a career switch, this conversation will make you look at apprenticeships in a whole new light.
👇 Question for you:
If you could go back, would you choose uni, an apprenticeship, or something else entirely?
🎧 Subscribe for more unfiltered conversations on money, culture & careers.
Support the show
FOLLOW PENNIES TO POUNDS 💸
Instagram - https://www.instagram.com/penniestopoundspod/
Twitter - https://twitter.com/penniestopound
TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1
LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - info@penniestopounds.co.uk

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In this episode, we’re joined by Elvire Matu, aka SaveWithElvs, the go-to plug for money-saving hacks, smart spending tips, and real-life cheat codes for surviving (and thriving) in 2025.
From travel deals and cashback apps to lifestyle traps and common money leaks, Elvire is breaking down how to stretch your cash without shrinking your lifestyle.
💡 We cover:
The biggest spending mistakes people make without realising
The apps and browser hacks Elvire swears by
How to afford more without earning more
Whether £10 coffees, girl math, and soft life spending are actually that deep
How to still live well when the cost of living is costing your whole paycheck
Plus, she shares the one money move she’ll never regret — and the one she’d absolutely bin if she could go back.
If your bank balance resets to £0 by the 15th of every month, this episode is your sign!
Support the show
FOLLOW PENNIES TO POUNDS 💸
Instagram - https://www.instagram.com/penniestopoundspod/
Twitter - https://twitter.com/penniestopound
TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1
LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - info@penniestopounds.co.uk

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In this episode, writer, financial educator and all-around gem Anna Brading joins Kia to unpack the real link between money and confidence, why financial advice often leaves women behind, and what it actually takes to rewrite your money story in your 20s and 30s.
From early money trauma to navigating imposter syndrome and building a life on your own terms, Anna shares the lessons she’s learned and the bold decisions that changed everything.
We talk about:
Why your confidence shouldn’t depend on your bank balance
The quiet financial decisions that actually build freedom
Owning your story, even when it feels messy or late
What inspired Anna’s new book 'Money Mentor' — and how it redefines success
Whether you’re in your broke era, healing era, or boss era — this one’s for you.
Support the show
FOLLOW PENNIES TO POUNDS 💸
Instagram - https://www.instagram.com/penniestopoundspod/
Twitter - https://twitter.com/penniestopound
TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1
LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - info@penniestopounds.co.uk