Umoja continues the talk on personal finance from the previous episode. Joined by guest and friend Caroline who is a charted accountant as well as Osvaldo , a banking professional and entrepreneur . The conversation goes into topics of income streams out there and the different investment approaches people have as well as the various banks available to get into the habit of saving which will later be discussed in part two of episode 4.<br /><br />Intro and outro supplied by long time friend Colin aka the Local Ghost Check out The Local Ghost on #SoundCloud<br /><a href="https://soundcloud.com/the-local-ghost" rel="noopener">https://soundcloud.com/the-local-ghost</a><br /><br />Other links include<br /><br />Website - <a href="https://www.umojabingwa.co.za/" rel="noopener">https://www.umojabingwa.co.za/</a><br /><br />Facebook - <a href="https://www.facebook.com/umojabingwa/" rel="noopener">https://www.facebook.com/umojabingwa/</a><br /><br />Instagram - <a href="https://www.instagram.com/umojabingwa/" rel="noopener">https://www.instagram.com/umojabingwa/</a><br /><br />Twitter - <a href="https://twitter.com/umojabingwa" rel="noopener">https://twitter.com/umojabingwa</a><br /><br />Spreaker <a href="https://www.spreaker.com/show/umoja-t.." rel="noopener">https://www.spreaker.com/show/umoja-t..</a>.<br /><br />YouTube - <a href="https://www.youtube.com/channel/UCeip.." rel="noopener">https://www.youtube.com/channel/UCeip..</a>.