Wealth is not built in big leaps... it's built in layers

The personal finance power couple Ken and Mary Okoroafor explain why their new book, The Wealth Habit, can help us all reach financial independence. By ELLA WALKER

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GOOD HABITS: Ken and Mary Okoroafor

“OUR dream is wanting to change the face of wealth,” says Ken Okoroafor, co-founder of the finance blog The Humble Penny, with his wife, Mary.

“We believe that wealth isn’t reserved for the privileged few, it's also for people who are willing to make small, consistent changes as a way for them to build financial security and wealth over time.”

Having written the smash hit, Financial Joy, their new book, The Wealth Habit, is all about how you implement those small practices and put systems in place to help your bank balance thrive.

In it, they help you to imagine a life where your investments grow, your mortgage is being paid, you're debt-free and you're not feeling overwhelmed by a whole host of moneymaking decisions.

“How do you actually create a life like that? What do we need to put in place for that to become possible?

“It doesn’t really matter how much you earn. Yes, that plays a role, but in our line of work, we have met people on a modest income who, because they've adopted certain habits and systems, have been able to grow a decent-sized investment portfolio and a personal pension,” says Mary.

You don’t need to have won the lottery either.

“Wealth is not built in big leaps. It's built in layers,” says Ken.