Money Mechanics - Dilon Dhanecha & Sarah Poynton
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In this episode of the Money Mechanics Podcast, Sarah is joined by impact investor and entrepreneur Dilon Dhanecha to explore the deeper relationship between money, purpose, and decision-making. They discuss rebuilding after debt, why money is emotional not logical, how fear and gratitude shape financial choices, and how to start investing without needing to understand charts. This conversation covers debt recovery, investing for beginners, capital flows, and using money intentionally without losing sight of values. Perfect for anyone wanting clarity, confidence, and a healthier relationship with money.
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Money, Meaning, and Following the Big Money: Investing, Debt, and Purpose with Dilon Dhanecha
Money is never just about money.
In this powerful and wide-ranging episode of the Money Mechanics Podcast, Sarah is joined by Dilon Dhanecha, founder of the Purposeful Property Project, impact investor, former advisor to governments and the United Nations, and creator of BluePie.ai.
This conversation explores money from every angle, debt, gratitude, risk, investing, AI, capital flows, purpose, and the emotional stories we attach to wealth. It is a deep, honest discussion for anyone who wants to understand how money really works and how to use it without losing themselves in the process.
🔥 What We Dig Into in This Episode
• Dilon’s earliest memories of money and growing up in social housing as the child of refugees
• How giving beyond your means can still create long-term financial harm
• Why money must combine purpose and profit to be sustainable
• Rebuilding after £106,958 of personal debt
• Why debt numbers can become emotional anchors that block progress
• A powerful reframing exercise, turning your debt number into an income target
• Why chasing zero is not always a motivating goal
• The emotional weight people attach to debt and self-worth
• Why gratitude is a state, not a tactic
• How to use gratitude without bypassing reality
• The difference between fear-based money decisions and intentional ones
• Why money amplifies who you already are
• Why wealth is about choice, not happiness
• The moral argument for building wealth responsibly
• Breaking generational money trauma
• Why you cannot save your way out of debt
• The role of risk in financial recovery
• Thinking in probabilities rather than certainty
• Why investing decisions are emotionally linked, not logically linked
• Why each investment decision is statistically independent
• How psychological baggage affects financial outcomes
• Why people delay investing out of fear of getting it wrong
• How to think about allocation within a portfolio
• How to think about allocation across your entire net worth
• Following big capital flows rather than hype
• Gold as a hedging asset and what capital flows signal
• Lessons from the 2008 crash and the Covid market shift
• Why AI and frontier technologies are reshaping investing
• How to invest without needing to understand charts
• The danger of scams and outsourcing financial responsibility
• Why becoming the champion of your own money matters
🧠 Key Concepts Explained
• Money as a magnifier of character
• Debt as an emotional driver
• Gratitude as a pathway to clarity
• Capital flows and market cycles
• Risk vs missed opportunity
• Allocation as a percentage of your financial life
• Impact investing
• Economic empowerment
• Breaking generational money cycles
📚 Books, People & Quotes Mentioned
• Thinking in Bets by Annie Duke
• Zig Ziglar
• Jacqueline Novogratz, author of The Blue Sweater and founder of Acumen
• Concepts from behavioural finance and probability thinking
• Capital flow analysis
• Impact investing frameworks
👤 About the Guest — Dilon Dhanecha
Dilon Dhanecha is an impact investor, entrepreneur, and founder of the Purposeful Property Project. He has advised African governments, worked with the United Nations, and built multiple ventures across property, commodities, and technology.
Dilon is also the creator of BluePie.ai, a platform designed to help everyday investors understand capital flows and frontier technology investing in plain English.
🔗 Connect with Dilon:
• Website: https://bluepie.ai
• Free WhatsApp community available via BluePie.ai
• Social platforms: search Dilon Dhanecha
If you reach out, let him know you heard him on the Money Mechanics Podcast.
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🔁 Stay Connected
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• Newsletter: https://www.sarahpoynton.com/newsletter