About FJA

We’re on a mission to help 10,000 Dream Makers achieve Financial Independence by 2030 because we believe no one should remain poor due to financial illiteracy.  

This is why we created FJA.

Looking for support, accountability, inspiration and motivation from like-minded individuals? 

Financial Joy Academy (FJA) membership is a step-by-step behaviour change programme that we’ve created to help you achieve Financial Independence (or Financial Freedom) fast.

Although we’re super passionate about the family unit and have made it our core mission to help families, FJA is also here to help you if you’re single and building wealth for Financial Independence.

We attract men and women in the pre-family and family stages of life from their 20s to their 50s 😍.

We’ve got your back!

We are well aware of how challenging it can be to achieve this goal having achieved Financial Independence ourselves by the age of 34 and with two kids.

Some of those challenges you face today likely include 😅…

  • Living paycheck to paycheck on a low income,
  • Doing the middle-class life and running the great rat race,
  • Being overburdened by mortgage and credit card debts,
  • Trying to raise children with ever-increasing costs as children grow,
  • Following the Joneses, because you only have one life and should enjoy it now,
  • Stressed, overworked and tired all the time because the 9 to 5 pays the bills,
  • Fearful of losing your job and with expenses left, right and center,
  • Confused and lacking in knowledge, time and ideas to make more money,
  • Lacking in motivation and inspiration to start that business or chase your dreams.

That list continues…

Many people are in exactly this position and most of them have no hope that the future could ever be better.

We were in this position too years ago, until we started to make certain hard decisions in our lives that were counter-cultural.

In addition, we focused relentlessly on Personal Development and experienced a radical change in our money mindsets over time.

That journey took us from making one income fearfully to becoming mortgage-free (in 7 years), achieving Financial Independence in 10 years whilst also making an income from more than 12 multiple different streams.

Making the right decisions over time, focusing on growth over money and surrounding ourselves with like-minded individuals has given us a life that our parents never had.

We have been able to achieve this even with me being a First Generation immigrant and Mary being born into a low-income household in Hackney, London.

This has not only changed our lives but also changed the fortunes of our young children who already have more money aged 7 and 9 than we did at the age of 21!

It has created generational wealth for our family.

Today we are passionate about serving our communities and helping others do what we have done.

This is why we have spent years creating Free content on our blog and YouTube channel and now taking things to a whole new level with the FJA Membership programme.


We believe that you can apply what we have learned and achieve Financial Independence faster than the 10 years it took us.

Dream Makers at FJA have achieved results such as:

  • starting and growing money making online businesses or side hustles,
  • buying their first property,
  • growing stock market investments by over 20% in a year,
  • receiving 5-figure promotions at work,
  • transitioning from Employee to Entrepreneur,
  • becoming debt-free,
  • doing property investment joint ventures with others,
  • improved their relationship with money, etc.


  • Fortnightly Live Group Coaching from Ken and Mary. These are “Ask Me Anything” sessions with detailed actionable answers.
  • ALL Courses (present and future) and accompanying Action Plans. We have more than 40 at present.
  • Monthly Expert Masterclasses covering niche subject areas such as investing, online businesses (blogging, Youtube, E-Commerce, Amazon FBA, etc), property investing, marketing, etc.
  • Get Access To Our 5am Club. Monday is Monday MBA where we analyse a successful business and what we can all learn from it. Tuesday is Mindset Tuesday, where we focus on developing a growth mindset. Wednesday is Wisdom Wednesday, where Dream Makers share what they’ve learned recently. Thursday is Book Club Thursday where we read a business book together and discuss it. Friday is Wellness Friday where a Dream Maker shares how they’re navigating their wellbeing journey.
  • Private Dream Maker Community of like-minded people from diverse backgrounds, who are all working together to achieve Financial Independence.
  • Access our Masterminds. We currently have 3 of them on Property investing, Blogging and YouTube.
  • Networking and Events benefits through personal interactions online and offline with other community members. We meet in person at least twice a year.
  • Practical Accountability through our member Accountability Partnerships to inspire and motivate each other to work together to achieve a specific goal over a period of time.
  • Ongoing Motivation and Inspiration from a truly unique and talented community of people with the right heart to help you succeed.

Please read our FAQs before joining FJA. 

The Humble Penny has been featured on:
Ken's Story

I emigrated to the UK from Lagos in 1998 as a 14 year old with my parents and siblings.

We lived in one single room in North London and life seemed pretty impossible. Money was non-existent and we also did not have the “papers” to do normal jobs.

Years of living under the radar and beneath the poorest of UK society was soul destroying. As time passed, we started to take risks as a family.

When you have no options but to create an opportunity to survive, you’d do anything to make a living. We started creating small businesses as a way to make some money. Everything from a cleaning company to a niche recruitment business. As we made some money, we started to reinvest that money into other assets or businesses.

Over time, we had salons, nail bars, nurseries and even a magazine publishing business. Parallel to all this, I focused relentlessly on my education.

I scraped through my GCSEs as a new immigrant and worked hard to make decent A-Levels (A, B and C in Maths, Chemistry and Biology).

This led me down the path of a degree in Economics and Accountancy at City, University of London. 3 years of hard work and I got a top First Class Degree with Honours.

That result led me to begin training as a Chartered Accountant with a top 10 UK firm. Continued learning led me up the ranks from a junior accountant to a Chief Financial Officer in Financial Services.

Along the way, I also picked up an MBA from the University of Cambridge.

Whilst doing all this, I continue to apply my learning to my personal life and after I met Mary in 2009, we set off on our journey together to Financial Independence.

It has been a rollercoaster ride of career development, business startups, income growth and asset acquisition.

Thinking back to 20 years ago when I started from nowhere, I could never have predicted the life I have today.

In April 2020, I quit my 6-figure corporate job and started living the live we’ve always dreamt about. 

I’m in complete control of my time and income and enjoy spending time with our children, building our marriage, travelling and running our lifestyle business .

This is the lifestyle I’m now helping other choose and design their lives to achieve.

Mary's Story

I am one of four children, the last born child and only girl in the family.

I was born into a tough neighbourhood in Hackney, London and lived there for 27 years of her life until I met Ken and we got married.

I attended Brunel University, where I did a degree in Multimedia Design and Technology.

During my placement year, I got a taste for business and designed websites and created brand elements for clients.

I went on to work in media within production creating multimedia resources for the education sector.

After a couple of years, I moved on to work in a large corporate for a Top 5 accountancy firm as an E-Business Analyst.

All these experiences have kept me fascinated by tech. I am a creative at heart and skilled at all things digital.

I took the big leap when I got pregnant with our first son to retrain and manage one of our family nurseries.

I got thrown into the deep end and for 5 years learnt everything there is to know about how to run a nursery business.

Those business skills coupled with my digital skills have given me a solid skill set now working from home in charge of all creative work for The Humble Penny and Financial Joy Academy.

Life today looks very different to my childhood having been born not too long after my parents emigrated to the UK.

I was born into a hardworking immigrant home and have always had to fight for my place.

I grew up a dreamer and always wanted a totally different life to the one that I grew up with.

Today, I am living a version of that life that I always wanted and part of my goal is for this to be an inspiration to our children.

One of the best things about being Financially Independent is having the location independence to live life the way we want.

We work 20 – 30 hours per week from anywhere in the world  as a result of creating multiple income streams over time that support us from various investments.

The fact that I’m here today is proof that it is possible with planning and working smart, and I hope this becomes an inspiration to others to create the lives that they want.