The Money Gains Podcast
- Épisodes
- 201
- Parution
- toutes les deux semaines
- Dernier épisode
- 11 Nov 2026
À propos du podcast
Welcome to the Money Gains Podcast, where we talk all things money and how to grow your bank balance. Hosted by Sammie Ellard-King, Money Content Creator of the Year 2024, we chat with the sharpest minds in personal finance to give you real, actionable advice – no fluff, no jargon.
Whether you're skint, smashing it, or somewhere in between, we’re here to help you make smarter money moves.
Participants
- Sammie Ellard-KingAnimation
Épisodes 201
Stock Market Crash: What To Do, Overpaying Your Mortgage & Lending Money To Mates (with Ryan King & Charlie Friend) | EP 200
EPISODE 200 of the Money Gains Podcast!! Thank you to every single one of you who watches, listens and shares. We couldn't do it without you.In this episode we're joined by Ryan King from Making Money …
Notes de l’épisode
EPISODE 200 of the Money Gains Podcast!! Thank you to every single one of you who watches, listens and shares. We couldn't do it without you.
In this episode we're joined by Ryan King from Making Money Simple and Charlie Friend to talk about what you actually do when the stock market crashes.
Over $2.5 trillion got wiped off the market in a day, Nvidia lost around $450 billion and everyone online was panicking. So we asked the people who invest for a living what they did with their own money, and the answers might surprise you. Then it's straight into Anthropic's huge IPO, the Bank of England rate rise and what it means for your mortgage, GTA 6, Black Friday, Guess The Number and Agree To Disagree.
Charlie's Links 🔗
Instagram, YouTube & TikTok: @charliefriend
Ryan's Links 🔗
Instagram, YouTube & TikTok: @makingmoneysimple
Ryan's book: Stop Waiting, Start Investing
✅ What all three of us did when our portfolios dropped (and how much we were down)
✅ Why a market dip might be the best thing that happens to a long-term investor
✅ Should you overpay your mortgage or invest when rates are this high?
✅ The alleged spy scandal that knocked Nvidia's share price
✅ Is lending money to your mates ever a good idea?
Chapters
0:00 What we did in the crash
6:05 Anthropic's trillion-dollar IPO
12:03 Nvidia CEO's alleged spy scandal
15:52 Trading 212
16:36 Rate rise and your mortgage
21:53 Overpay your mortgage or invest?
26:05 GTA 6 pre-order madness
33:05 Is Black Friday a con?
36:44 Guess The Number
41:27 Gains App
42:35 Agree To Disagree
54:14 Should you lend mates money?
This episode is sponsored by Trading 212. Get a free fractional share worth up to £100 when you deposit £1 using the promo code MGP. Capital at risk. T&Cs & ISA Rules Apply.
Track your spending, build your savings and earn cashback with the Gains App: gainsapp.com
Follow the Money Gains Podcast
Instagram: @moneygainspod
TikTok: Money Gains Pod
Facebook: Money Gains Pod
Disclaimer: This podcast is for educational and entertainment purposes only and is not financial or UK tax advice. When you invest, your capital is at risk and you may get back less than you put in. Past performance is not a guarantee of future returns. Always do your own research. Some links above are affiliate or sponsored links, and we may earn a commission at no extra cost to you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklist5 Financial Advisers Reveal: Why You're Broke On A Good Salary (And What To Fix!)
This episode is sponsored by Octopus Legacy.👉🏼 Write or update your will for FREE until 31st October with Octopus Legacy🔗 https://will.octopuslegacy.com/moneygainsCharities cover the cost of wills up to £150 …
Notes de l’épisode
This episode is sponsored by Octopus Legacy.
👉🏼 Write or update your will for FREE until 31st October with Octopus Legacy
🔗 https://will.octopuslegacy.com/moneygains
Charities cover the cost of wills up to £150, which means simple wills are free and wills with trusts are discounted. You don’t have to leave a gift to charity to claim the offer.
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don’t receive the free fractional shares - head to the menu and put the word ‘MGP’ into the promo code section.
(Capital at risk when you invest)
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.com/
Five financial advisers. Hundreds of clients earning great money and still feeling skint. And every single one of them says the same thing: your salary isn’t the problem.
In this episode of the Money Gains Podcast I’ve pulled together the best bits from five of my favourite conversations with Jason Butler, Andy Hart, Emmanuel Asuquo, Holly Guscott and Pete Matthew, to work out why so many of us are broke on a good salary and what to actually do about it.
✅ Why someone on £150k can still feel hard done by, and the line I can’t shake: “wealthy people ask how much, poor people ask how much a month” (Jason Butler)
✅ Why a pay rise is usually terrible news for your financial plan, unless you do this one thing (Andy Hart)
✅ The system that’s quietly built to take your money, and the 48-hour rule that stops most impulse buys (Emmanuel Asuquo)
✅ The couple on £140k who chose holidays with the kids over retiring at 55, and why that’s fine (Holly Guscott)
✅ “What’s the point in saving if I get hit by a bus tomorrow?” answered
✅ My £400 a month “anti-budget”
✅ Why you might not need a financial adviser yet, and the most dangerous money advice out there (Pete Matthew)
Watch the full episodes 👇
Jason Butler: I Advised 2,500 Millionaires: The REAL Reason You’re Not Rich! 👉 https://www.youtube.com/watch?v=pp4aabuRGeY
Andy Hart: The REAL Reason You’re Not Rich Yet! 👉 https://www.youtube.com/watch?v=ie01ppyybWU
Emmanuel Asuquo: Why You’re Broke (Even On A Good Salary) 👉 https://www.youtube.com/watch?v=TCkVhowbg3o
Holly Guscott: What’s ACTUALLY Making People Rich In The UK 👉https://www.youtube.com/watch?v=EjKWPnUwKtM
Pete Matthew: Why You Don’t ACTUALLY Need A Financial Adviser 👉 https://www.youtube.com/watch?v=X7hv5EPAIkw&t
Chapters
0:00 Why you’re broke on a good salary
0:34 Jason Butler: it’s not what you earn, it’s what you keep
9:07 Andy Hart: why a pay rise is bad news for your plan
14:43 Other people’s money: why retirement feels different
19:01 Emmanuel Asuquo: the system built to take your money
25:01 Give your money an induction
28:26 Holly Guscott: is it too late to start in your 40s?
32:52 “What’s the point? I could get hit by a bus”
36:14 The anti-budget
40:09 Pete Matthew: why you might not need a financial adviser
47:58 The most dangerous money advice
50:27 The one thing to do after this episode
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
Octopus Legacy Limited is authorised and regulated by the Financial Conduct Authority (FRN 955266).
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistBIGGEST RIP-OFFS YOU'VE EVER PAID FOR?! - EP 198
In this episode of the Money Gains Podcast we're trying something completely different... I'm joined by Michael Taylor and Ryan King from Making Money Simple for a brand new format.-------This episode …
Notes de l’épisode
In this episode of the Money Gains Podcast we're trying something completely different... I'm joined by Michael Taylor and Ryan King from Making Money Simple for a brand new format.
-------
This episode is sponsored by Octopus Legacy.
👉🏼 Write or update your will for FREE until 31st October with Octopus Legacy
🔗 https://will.octopuslegacy.com/moneygains
Charities cover the cost of wills up to £150, which means simple wills are free and wills with trusts are discounted. You don't have to leave a gift to charity to claim the offer.
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.com/
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We take the week's money news, the internet's worst money moments and a few hot takes, and turn them into rounds: The Big 3, Guess The Number, Agree to Disagree, Hall of Shame and a Quick-fire finale. Expect rip-offs, a few arguments and a lot of laughing.
✅ The £73,645 ringside seat for Fury v Joshua, and whether anyone actually paid it
✅ Why I think airport drop-off charges are the biggest scam going
✅ Netflix putting its cheapest plan up from £5.99 to £7.99, and paying for a subscription that still shows you ads
✅ Guess The Number: Steven Bartlett's $52m, Harry Styles' £24.7m tax bill and a £408 Glastonbury ticket
✅ Is legal tax avoidance actually wrong? The lads don't agree
✅ A £20k wedding or a house deposit, and is investing £10 a month pointless?
✅ The bride who invoiced her friend £1,790 after a Bali wedding
Chapters
0:00 Sammie's New York trainer haul
2:28 Welcome to the show
2:48 Round 1: The Big 3 (Bumble sold for $1.3bn)
5:51 Arsenal job cuts
8:05 The airport drop-off scam
10:28 Fury v Joshua: a £73k ringside seat
14:00 Tom Cruise's Digger flop
16:05 Netflix and the subscription creep
18:26 Round 2: Guess The Number
18:44 Steven Bartlett's $52m
21:00 Harry Styles' tax bill
22:03 Why the rich leave, VAT and the £100k trap
31:17 Starbucks' car park takeover
32:36 Glastonbury at £408
34:43 Round 3: Agree to Disagree
35:40 Is legal tax avoidance wrong?
41:32 £20k wedding or a house deposit?
46:53 Is investing £10 a month pointless?
52:40 Round 4: Hall of Shame
53:02 The Bali wedding invoice
57:20 Splitting the bill
1:00:53 Round 5: Quick-fire
1:03:49 Wrap-up
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DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
Octopus Legacy Limited is authorised and regulated by the Financial Conduct Authority (FRN 955266).
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistI Found Out My Parents Would Get My House If I Died (Unless I Did This!) - Wills & Trusts Expert - Sam Grice (Octopus Legacy)
This episode is sponsored by Octopus Legacy.👉🏼 Write or update your will for FREE until 31st October with Octopus Legacy🔗 https://will.octopuslegacy.com/moneygainsCharities cover the cost of wills up to £150 …
Notes de l’épisode
This episode is sponsored by Octopus Legacy.
👉🏼 Write or update your will for FREE until 31st October with Octopus Legacy
🔗 https://will.octopuslegacy.com/moneygains
Charities cover the cost of wills up to £150, which means simple wills are free and wills with trusts are discounted. You don't have to leave a gift to charity to claim the offer.
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.com/
----------
In this episode of the Money Gains Podcast we welcome Sam Grice... Founder and CEO of Octopus Legacy... to the show.
After losing his mum suddenly at 27, Sam found himself buried in the admin, decisions and family fallout that come after a death. Now he helps people sort it before it's needed.
We get into what really happens to your money and your home if you die without a will, why so many families end up falling out, and Sam walks me through writing my own will live on the show.
✅ Why my partner of nearly 10 years would get nothing if I died without a will, and why my share of our home would go to my parents instead
✅ What the law actually decides if you die without a will, including the £322,000 rule for married couples
✅ Why getting married cancels your will, and what divorce does to it
✅ Why Martin Lewis says power of attorney is arguably more important than a will
✅ How to choose an executor, why you don't have to do it if you're asked, and why leaving everything to an 18-year-old can backfire
✅ How leaving 10% to charity can cut the inheritance tax rate on your estate
------
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial, legal or tax advice. The rules discussed apply to England and Wales and may differ in Scotland and Northern Ireland. Always do your own research or speak to a professional about your own situation.
Octopus Legacy Limited is authorised and regulated by the Financial Conduct Authority (FRN 955266).
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistCan You Still Buy A House In 2026? Lifetime ISA Changes, New ISA Rules & First-Time Buyer Tips - Brian Byrnes (Moneybox)
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word …
Notes de l’épisode
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.com/
----------
In this episode of the Money Gains Podcast we welcome back Brian Byrnes... Head of Personal Finance at Moneybox... to the show.
Brian, who works with the UK's largest community of first-time buyers, gets into whether you can still buy a house in 2026, why the goalposts keep moving on savers, what's really happening to the Lifetime ISA, and the ISA changes happening next April.
Brian's Links 🔗
Moneybox: https://www.moneyboxapp.com/
When you invest, your capital is at risk.
✅ Why it's still possible to buy a house in 2026 without rich parents, and why one Moneybox saver gets the keys every 10 minutes (most earning under £40k)
✅ The "moving goalposts" problem that leaves disciplined savers 9 months and £3,500 short at the finish line, and how to plan for it
✅ What's happening to the Lifetime ISA, what the new First Time Buyer ISA means, and whether you should still open one
✅ The ISA changes coming in April 2027, including the new charge on cash held in a Stocks & Shares ISA
✅ Why people who feel confident with money end up £86,000 better off, and the 30-minutes-a-week habit behind it
------
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistWealth Manager Reveals: How To Make Your Child A Millionaire (From £120 A Month)
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word …
Notes de l’épisode
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.com/
----------
In this episode of the Money Gains Podcast we welcome Sophia Jarvis... "Wealth Manager of the Year" turned founder of Mia Wealth... to the show.
Sophia, a Chartered Financial Analyst who spent 15+ years managing family wealth, gets into why 90% of UK kids have no investments to their name, the accounts nobody tells you about, and how a tiny amount each month could set your child up to be a millionaire, buy their first home, and never feel the money panic the rest of us grew up with.
Sophia's Links 🔗
Are you a parent who wants to start investing for your child, or a gifter who wants to buy investments instead of more stuff?
For more information visit https://miawealth.co.uk/
When you invest your child’s capital is at risk. Tax treatment is subject to individual circumstances and is subject to change. Money held in a Junior ISA is normally only accessible by the child once they turn 18 and a private pension can currently be accessed at 55.
✅ Why 90% of UK kids have no investments, and the account less than 1% children have but that could make your child a millionaire
✅ The Junior Pension almost no one talks about and the 25% government bonus you get on all contributions into it
✅ How her own dad turned a £120 contribution each month into £70,000 by her 18th birthday, and what it taught her about compounding
✅ Why we're drowning in plastic toys (the average 10-year-old owns 238 and plays with 12), and how to redirect gift money into their future
✅ Junior ISA vs Junior Pension vs Premium Bonds, which to actually use, and the first step to take today
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DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistFinancial Advisor Reveals: I Was Secretly Broke (Here's How I Fixed It) - Ian Dempsey
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word …
Notes de l’épisode
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.com/
----------
In this episode of the Money Gains Podcast we welcome Ian Dempsey... "The Moneyman"... to the show.
Ian, a straight-talking independent financial adviser, gets brutally honest about being secretly in debt while advising others for a living, the simple system that dug him out, and why he now refuses to play the "grey suit brigade" game the rest of the industry does.
Ian's Links 🔗
LinkedIn - https://www.linkedin.com/in/ian-dempsey
Instagram - https://www.instagram.com/idthemoneyman
✅ Why even a financial adviser ended up secretly broke and in debt, and the simple system that got him out
✅ How "giving your money a job" with pots and the brown-envelope method quietly kills overspending
✅ Why the industry gatekeeps advice behind paywalls, and why most people don't actually need to pay for it
✅ How contactless, apps and clever design are engineered to make you overspend without ever feeling it
✅ What actually separates a good financial adviser from a bad one, and the red flag to walk away from
------
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistI'm A Buddhist Wealth Manager: Why You Never Feel Rich (Unless You Do This)
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word …
Notes de l’épisode
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z----
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistFinancial Advisor Reveals: Why You're Broke (Even On A Good Salary) - Emmanuel Asuquo
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word …
Notes de l’épisode
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------
In this episode of the Money Gains Podcast we welcome Emmanuel Asuquo... "The Wealth Coach"... to the show.
Emmanuel, a financial adviser who grew up on a council estate and has since advised everyone from families on the breadline to millionaires, unpacks why being broke has far more to do with behaviour than income, why we tie our self-worth to what we can buy, and the mindset shifts that actually build wealth from nothing.
Eman's Links 🔗
Website - https://emmanuelasuquo.com
Instagram - https://www.instagram.com/theemaneffectuk
✅ Why you can earn a good salary and still feel broke, and the real reason it's got nothing to do with your income
✅ Why tying your self-worth to what you can buy quietly keeps you poor, and how to break the cycle
✅ How to start building real wealth when you've had no head start, no inheritance and no role model
✅ What the genuinely wealthy do differently day to day, because it's behaviour, not salary
✅ The money conversation every couple avoids, and why it wrecks more than people admit
---------
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistFinancial Adviser Reveals: Why You Don't ACTUALLY Need One (Just Do This!) - Pete Matthew (Meaningful Money)
In this episode of the Money Gains Podcast we welcome Pete Matthew from Meaningful Money to the show. Pete unpacks his "cash flow ladder" approach to retirement drawdown, explains why blanket de-risking near …
Notes de l’épisode
In this episode of the Money Gains Podcast we welcome Pete Matthew from Meaningful Money to the show.
Pete unpacks his "cash flow ladder" approach to retirement drawdown, explains why blanket de-risking near retirement can be a costly mistake, and shares the behavioural side of financial planning that most advice ignores.
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------
✅ Why de-risking your pension automatically as retirement nears could actually hurt you, and what to do instead
✅ How the "cash flow ladder" protects your retirement pot from crashing markets at the worst possible moment
✅ Why chasing a round number like £1 million is the wrong goal, and how to work out what your life actually costs
✅ How most financial advice fails because it ignores the psychology and behaviour behind people's money decisions
✅ Why the biggest life transitions are when you should actually seek financial advice---------
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistEconomist Warns: STOP Just Buying the S&P 500 (Without Knowing This!) - Andrew Craig
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word …
Notes de l’épisode
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains is the UKs first budgeting and cashback app that helps you track your spending and save more!
Download the app for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z------
This week we welcome back Andrew Craig to the show to discuss why passive investing into index funds could actually be more dangerous than we might think.
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistHow To Invest £100 A Month (UK Investing For Beginners Guide)
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word …
Notes de l’épisode
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains is the UKs first budgeting and cashback app that helps you track your spending and save more!
Download the app for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
-----
CHAPTERS
0:00 Intro
2:10 Why £100 Matters
5:10 Compounding & The Real Numbers
9:51 What To Sort Before You Invest
15:44 How The Stock Market Works
22:18 A Stocks & Shares ISA (Fast vs Slow Pounds)
26:47 Stocks, Funds, ETFs & Indexes
31:15 The Strategy
35:20 Consistency
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistWhy Britain Has An Awkward Tax Avoidance Problem, UK Investing For Beginners and MORE! - Michael Taylor
Michael Taylor joins me today to discuss the growing issue of big corporations tax avoidance in the UK and the £47 billion in lost taxes.---------👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 …
Notes de l’épisode
Michael Taylor joins me today to discuss the growing issue of big corporations tax avoidance in the UK and the £47 billion in lost taxes.
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
🚨 REFUND CLUB 🚨
Check for FREE if you are due a refund in 60 seconds at: 👉 https://refundclub.co.uk/moneygains
-----
Gains App is now LIVE!
It's an AI-powered budgeting and cash back app designed to help you make more of your money.
Download for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
Chapters
0:00 Michael's back
0:18 Starbucks pays zero tax
3:30 How they legally do it
11:31 Britain's £47bn tax gap
12:08 AD: Trading 212
13:05 The wealth tax is the wrong fight
16:38 The high street is dying
21:57 AD: Refund Club
23:43 UK stocks vs US stocks
31:01 AD: Gains App
30:05 How to actually pick UK stocks
41:23 Shorting & raising money
45:57 Trading life, trolls & wrap-up
---------
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.
REFUND CLUB DISCLAMER
*Refund Club is a trading style of Sandsford Law LTD. You can pursue
a claim free of charge directly to your lender and then to the Financial
Ombudsman Service. The FCA is likely introducing a free to use
Consumer Redress Scheme; it estimates the average redress per
agreement will be £829.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistI Advised 2,500 Millionaires: The REAL Reason You're Not Rich! (Jason Butler)
Jason Butler joins us today to discuss how having been a Wealth Manager to thousands of millionaires - what is the reason you're not rich yet! ---------👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you …
Notes de l’épisode
Jason Butler joins us today to discuss how having been a Wealth Manager to thousands of millionaires - what is the reason you're not rich yet!
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
🚨 REFUND CLUB 🚨You could be due a £829 car finance refund!
Check for FREE if you are due a refund in 60 seconds at: 👉 https://refundclub.co.uk/moneygains
-----
Gains App is now LIVE!
It's an AI-powered budgeting and cash back app designed to help you make more of your money.
Download for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
CHAPTERS
0:00 What financial wellbeing means
2:23 Does money buy happiness?
9:58 £60k in debt at 24
12:40 Ditch your credit card
15:40 Trading 212 AD
19:57 The 24-hour spending rule
25:40 Refund Club AD
32:34 Get rich slowly
37:06 What do you actually want?
37:54 Gains App AD
49:02 Can you afford your job?
57:28 Building a business
---------
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.
REFUND CLUB DISCLAMER
*Refund Club is a trading style of Sandsford Law LTD. You can pursue
a claim free of charge directly to your lender and then to the Financial
Ombudsman Service. The FCA is likely introducing a free to use
Consumer Redress Scheme; it estimates the average redress per
agreement will be £829.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistI Tried Every Money App In The UK. Then Built My Own. Behind The Curtain on Gains App.
Gains App is now LIVE!Download here in App Store & Google Play 👉 https://gainsapp.onelink.me/8IhT/oiaimr1zAny issues or questions you can reach out via [email protected]:This episode is meant …
Notes de l’épisode
Gains App is now LIVE!
Download here in App Store & Google Play 👉 https://gainsapp.onelink.me/8IhT/oiaimr1zAny issues or questions you can reach out via [email protected]
-----
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistWealth Manager Reveals: Why Buying A House Is the WORST Money Move In 2026 (Jay Lawrence - Rathbones)
Jay Lawrence is a Wealth Manager at Rathbones who look after £110 Billion for their clients. He joins us to discuss why buying a house is the worst money move in 2026 plus what he thinks is the better one to …
Notes de l’épisode
Jay Lawrence is a Wealth Manager at Rathbones who look after £110 Billion for their clients. He joins us to discuss why buying a house is the worst money move in 2026 plus what he thinks is the better one to make for most people.
---------
A huge thanks to the episodes sponsor - Trading 212.
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains App is now LIVE!
It's an AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------
Resources
Why the Golden Age of property is over 👉🏼 https://www.schroders.com/en-gb/uk/intermediary/insights/why-cash-is-riskier-than-stock-market-investing/
Chapters
00:00 - The Property Ladder Is Dead
04:08 - Renting vs Buying: Do The Maths
11:47 - The UK's £1.5 Trillion Mistake
14:53 - ISA Millionaires Don't Use Cash ISAs
17:15 - State School To Rathbones
25:29 - Why £300 Beats £400
29:51 - The "Doing Everything Right" Trap
40:08 - Your First Move
43:59 - The Gateway Drug
46:44 - He Locked His Mum Out
51:10 - Why Crashes Are A Gift
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistI Was Homeless. Now I'm Retiring At 50 From Investing. (Neil Invests)
Join us this week with Neil Invests to discuss his incredible pathway from being homeless to having a 6-figure investment portfolio and an incredible financial education brand. What an incredible guy!---------A …
Notes de l’épisode
Join us this week with Neil Invests to discuss his incredible pathway from being homeless to having a 6-figure investment portfolio and an incredible financial education brand. What an incredible guy!
---------
A huge thanks to the episodes sponsor - Trading 212.
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains App is now LIVE!
It's an AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------
Neil Invests 👉🏼 https://www.neilinvests.co.uk/
Neil's Instagram 👉🏼 https://www.instagram.com/neilinvests
Talking Points this episode:
✅ From sleeping on a floor with nothing to on track to retire by 50
✅ Why he started investing in February 2020 and a 40% crash was the best thing that ever happened
✅ The simple approach to investing for beginners and why most people overcomplicate it
✅ How he went from £16,800 salary to six figures by job hopping and never upgrading his lifestyle
✅ Why designing the life you want costs far less than you think
Chapters
00:00 The Journey From Rock Bottom
05:01 Growing Up in Ireland and Moving to England
07:11 Four Years of Destruction at University
14:55 The Gambling Disaster
21:55 The Wedding in the Garden
24:57 The New Year's Resolution That Changed His Life
28:07 The Market Drops 40%
34:02 Maxing the ISA and Never Upgrading
40:11 Crossing Six Figures
52:31 What He'd Tell His 21-Year-Old Self
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklist10 Money Hacks That Saved Me £3,278 This Year (One Takes 30 Seconds)
These money hacks help me save money and keep more of it too! Most of these you can set up and let them run for you in the background.--------Download Gains App here 👉 …
Notes de l’épisode
These money hacks help me save money and keep more of it too! Most of these you can set up and let them run for you in the background.
--------
Download Gains App here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z£175 First Direct Current Account Switch 👉🏼 https://www.firstdirect.com/banking/current-account/
* Monzo (Get up to £100) 👉🏼 https://join.monzo.com/c/w3csv9fs
* Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 👉🏼 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
Commission-free investing: Other fees may apply. See terms and fees.
------
Chapters
00:00 - Intro
01:30 - Set A Savings Target
04:15 - Sinking Funds
07:30 - Track Your Spending
11:00 - Stop Budgeting
16:00 - Turn On Round-Ups
18:30 - Stop Spending To Look Rich
21:30 - The 24-Hour Rule
25:00 - Cashback
28:30 - Current Account Switch
30:30 - Bill Switching
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links * - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistWhat's ACTUALLY Making People Rich In The UK - (Holly Guscott - LCH Wealth)
Join us this week to discuss what's actually making people rich in the UK right now with Financial Adviser Holly Guscott from LCH Wealth. We discuss the ins and outs of pensions, growing money through …
Notes de l’épisode
Join us this week to discuss what's actually making people rich in the UK right now with Financial Adviser Holly Guscott from LCH Wealth.
We discuss the ins and outs of pensions, growing money through ISAs, ISA millionaires and so much more!
---------
A huge thanks to the episodes sponsor - Trading 212.
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------LCH Wealth for your Financial Diagnosis 👉🏼 https://lchwealth.co.uk/
Talking Points for this episode:
✅ Why there are now more ISA millionaires than National Lottery winners
✅ What you should be doing with your pension in your 20s, 30s, 40s and 50s
✅ The cash ISA rule change coming in 2027 that nobody is talking about
✅ Why earning £100K still won't make you wealthy without a plan
✅ The one thing every family needs to do about inheritance tax right now
Chapters
00:00 Introduction
01:11 How Holly Fell Into Financial Advising
02:47 Were Your Finances A Mess When You Started?
05:48 What To Do With Your Pension In Your 20s
09:33 Your 30s: Why Your Pension Can't Wait
13:19 The Pension Struggle Nobody Talks About
16:00 Your 40s: The Wake-Up Call Decade
27:34 ISA Millionaires: More Than Lottery Winners
33:11 Why 83% Of People Are Too Scared To Invest
36:00 The Cash ISA Rule Change Coming In 2027
40:02 AI, Elon Musk & Why You Should Ignore The Noise
46:34 Inheritance Tax: Why Normal Families Are Getting Caught
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistFinancial Adviser To Footballers Reveals: Why So Many Struggle With Money When They Retire
Join us this week with Financial Advisor to Footballers & Athletes, Emmelia Powell to discuss what it's like becoming a professional footballer and suddenly earning more money than you've ever dreamed …
Notes de l’épisode
Join us this week with Financial Advisor to Footballers & Athletes, Emmelia Powell to discuss what it's like becoming a professional footballer and suddenly earning more money than you've ever dreamed of.
And why so many footballers go bankrupt when they retire plus lots more!
---------
A huge thanks to the episodes sponsor - Trading 212.
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------
Emmelia's Linkshttps://www.instagram.com/emmelia_pws/
------
Chapters
00:00 Introduction
01:00 What Happens When A Teenager Signs For Man United
04:18 Losing Your Identity To Someone Else's Success
07:57 Why Nick Powell Turned Down Financial Advice
15:27 Why 40% Of Footballers Struggle After Retirement
17:50 The Silent Cost Of Doing Nothing With Your Money
25:24 The Impulse Buying Trap
30:07 Why Earning £100K Won't Make You Wealthy
40:39 Lifestyle Inflation: When Upgrading Goes Wrong
45:31 The Game Of Wealth Framework
54:03 Teaching Kids About Money
57:29 Life By Design
Key Talking Points:
✅ Why 40% of footballers face financial struggles after retirement
✅ The silent cost of doing nothing with your money
✅ Why earning £100K still won't make you wealthy
✅ The G.A.M.E. framework for building real wealth
✅ How to teach your kids about money before it's too late
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistMarried Couple REVEALS: How They Became Financially Free By 34!
Join us this week with Ken & Mary Okoroafor from The Humble Penny to discuss their new book The Wealth Habit. It's how putting in the right habits and investing your money helps you become the rich version …
Notes de l’épisode
Join us this week with Ken & Mary Okoroafor from The Humble Penny to discuss their new book The Wealth Habit. It's how putting in the right habits and investing your money helps you become the rich version of yourself.
Ken & Mary have been teaching personal finance for many years and have two Sunday Times Bestsellers teaching you how to get rich.
Get the book 👉🏼 https://www.waterstones.com/book/the-wealth-habit/ken-okoroafor/mary-okoroafor/9781529449204
---------
A huge thanks to the episodes sponsor - Trading 212.
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------
Chapters
00:00 Introduction
01:00 Why Listen To The Humble Penny
04:52 The Habit Framework That Actually Builds Wealth
07:08 How To Stop Impulse Buying
12:32 Identity-Based Wealth
19:44 How They Became Mortgage Free In 7 Years
21:52 Should You Invest Or Overpay Your Mortgage?
32:38 Compound Interest
43:35 The Employee Mindset
47:05 Your Income Is Rented
53:02 Building Multiple Income Streams
56:24 UK Crabs-In-A-Bucket
59:59 Learning To Be Uncomfortable
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistFinancial Adviser Reveals: The REAL Reason You're Not Rich Yet! (Andy Hart)
Andy Hart joins us this week to discuss the real reason most people don't get rich and his new book 'No Bullsh*t Money Advice'. This was a refreshing episode about why you're probably not …
Notes de l’épisode
Andy Hart joins us this week to discuss the real reason most people don't get rich and his new book 'No Bullsh*t Money Advice'.
This was a refreshing episode about why you're probably not rich yet and what to actually do about it.
Andy's book 👉🏼🔗 https://www.nobullmoney.co.uk/
---------
A huge thanks to the episodes sponsor - Trading 212.
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
Commission-free investing: Other fees may apply. See terms and fees
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------
✅ Your brain is your biggest wealth destroyer and you don't even know it
✅ Why the hardest thing in investing is doing absolutely nothing
✅ The truth about Elon Musk's "pensions are pointless" claim
✅ What a financial advisor actually does (it's not what you think)
✅ The first 3 things you should do with £500 sitting in your account
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistI Built A £180,000 Investment Portfolio In 8 Years (And You Can Too!) - Ryan King
Ryan King joins us to discuss how he built a £180,000 investment portfolio and how to get started investing with global index funds. This is a investing for beginners masterclass focusing on keeping Making …
Notes de l’épisode
Ryan King joins us to discuss how he built a £180,000 investment portfolio and how to get started investing with global index funds.
This is a investing for beginners masterclass focusing on keeping Making Money Simple which just happens to be his brand name to!
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------
CHAPTERS
0:00 Intro
0:41 Ryan's Portfolio Update: £140K to £180K
2:40 Lost Pensions & Switching Your Workplace Fund
10:11 Default Fund vs Global Fund: 11% to 76% Returns
15:42 Why Should You Care About Investing?
22:13 Compound Interest: Small Amounts Add Up
28:00 Different Seasons of Life Mean Different Amounts
37:42 What Is a Global Index Fund?
48:25 Global Fund vs S&P 500: Do You Need Both?
56:09 Ryan's Top 3 Global Funds
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklist11 Habits To Become DISGUSTINGLY Financially Literate (And Rich!)
Only 29% of the UK are considered financially literate. This HAS to change and these 11 habits will get you 90% of the way there.----Gains App is LIVE!An AI-powered budgeting and cashback app designed to help …
Notes de l’épisode
Only 29% of the UK are considered financially literate. This HAS to change and these 11 habits will get you 90% of the way there.
----
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Chapters
0:00 Intro
1:45 Habit 1: Treat Your Money Like a Business
2:52 Habit 2: Know Your Numbers
7:23 Habit 3: Watch Out For Lifestyle Inflation
9:32 Habit 4: Build Systems Not Willpower
15:44 Habit 5: Learn In Blocks Not Binges
16:24 Habit 6: Prioritise Investing Over Saving
18:15 Habit 7: Increase Your Earning Potential
20:58 Habit 8: Spring Clean Your Finances
23:24 Habit 9: Use Debt As A Tool Not A Crutch
25:31 Habit 10: Get Cashback On Everything
28:14 Habit 11: Know Where You're Going
✅ Why food prices are up 38.6% since 2020 and what actually caused it
✅ How the cost of living crisis is a global problem, not just a UK one
✅ The system I use to take back control of my money without earning more
✅ How to earn £700 to £1,000 a year in cashback on things you already buy
✅ Why waiting for prices to drop isn't a plan and what to do instead
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistWhy Saving £10,000 Changes EVERYTHING
Here's why saving £10,000 will change your life. It's not just a number its SO much more than that. In this podcast we unpack why that is.Gains App is LIVE!An AI-powered budgeting and cashback app …
Notes de l’épisode
Here's why saving £10,000 will change your life. It's not just a number its SO much more than that. In this podcast we unpack why that is.
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Chapters
0:00 Introduction
1:35 The Psychology Behind Saving £10,000
4:07 What Happens When You Don't Have It
7:00 How To Actually Save £10,000
18:00 What Changes When You Hit £10K
✅ Why £10,000 is the #1 predictor of financial wellbeing (backed by a 12,000 person study)
✅ The real cost of NOT having savings
✅ The step-by-step system to save £10K (even if you've never saved before)
✅ Why 77% of people lose sleep over money and how to stop being one of them
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistI Turned a £500 Overdraft Into £350 Million. Here's How. (Oliver Cookson - Founder of Myprotein)
Oliver Cookson, founder of Myprotein, reveals the secrets to building a business worth over £350 million. Why anyone can build a business in today's day and age plus the story behind the Founder and his …
Notes de l’épisode
Oliver Cookson, founder of Myprotein, reveals the secrets to building a business worth over £350 million. Why anyone can build a business in today's day and age plus the story behind the Founder and his next steps.
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------
Follow Oliver 👉🏼 https://www.instagram.com/mrolivercookson
Get his latest book 👉🏼 https://amzn.to/4st7Raa
Verve Supplements 👉🏼 https://vavaverve.com/
Support Crookson First Aid 👉🏼 https://cooksonfirstaid.org/
Chapters
0:00 Introduction
0:28 Growing Up With No Money in Manchester
2:13 1 GCSE & Leaving School at 16
2:42 Day One: A £500 Overdraft & A Bedroom
4:54 The Protein Margin That Changed Everything
5:14 Building The First Online Protein Brand
8:14 Working 9-5 While Secretly Building an Empire
17:06 Does Having Millions Actually Change You?
19:33 The Hut Group Sale & The Fraud That Followed
22:37 What He's Building Now: Verve & His AI App
29:57 Training 30,000 People to Save Lives
37:53 The Dark Side of Being a Solo Founder
39:40 "Be Reasonably Unreasonable" (His Daily Framework)
45:05 He Speaks to AI More Than His Wife
48:13 50% of Jobs Will Be Gone in 18 Months
50:01 Resourcefulness Over Resources (Final Advice)
✅ How a man with 1 GCSE built a £350M company from a £500 overdraft
✅ Why he never took a single investor and kept 100% of Myprotein
✅ The moment he knew it was working
✅ Why 50% of entry-level jobs will be gone in 18 months
✅ His daily framework for compounding success over 25 years
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistThe ONE Thing You Need To Invest In... (This Works!)
In this episode of the Money Gains Podcast, I share the ONE thing you need to invest in that's so easy and simple.Here's the FREE 10 Step Investing Checklist 👉🏼 …
Notes de l’épisode
In this episode of the Money Gains Podcast, I share the ONE thing you need to invest in that's so easy and simple.
Here's the FREE 10 Step Investing Checklist 👉🏼 https://subscribe.upthegains.co.uk/investing-checklist
--------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------
✅ The exact number you need to make work optional and how to calculate yours
✅ The one investment that beats 90% of professional fund managers
✅ Why Person A ends up £70,000 richer than Person B with the exact same contribution
✅ What the average UK pension pot looks like (and why it's nowhere near enough)
✅ The 5 practical steps to start investing as a beginner
This podcast is not financial advice. Always do your own research before making financial decisions. When you invest your capital is at risk. Past performance is not a future indicator. We do not provide direct investment advice or personal tax advice.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistACCOUNTANT EXPOSES: Why The UK Tax System STEALS 80% Of Your Wealth
Tom McNally, founder of Pie Tax, reveals how the UK tax system takes 80% of your money and what you can do about it. From hidden tax refunds to property investment strategies, this episode is packed with …
Notes de l’épisode
Tom McNally, founder of Pie Tax, reveals how the UK tax system takes 80% of your money and what you can do about it. From hidden tax refunds to property investment strategies, this episode is packed with money-saving insights every UK taxpayer needs to hear.
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
---------
Visit Pie Tax 👉🏼 https://www.pie.tax/
✅ Why 86% of people have no clue about tax
✅ How Pie Tax makes self-assessment free and simple
✅ How the Laffer Curve proves lower taxes = more growth (and why Britain's in a death spiral)
✅ Why your home is the best investment in Tom's eyes
✅ Practical side hustle tips and the "gap" method to build wealth from nothing
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistYou're Not Behind - Why Everyone Looks Richer Than You (But Isn't)
In this episode of the Money Gains Podcast, I share why you're probably doing better than you think and why it doesn't feel that way. I dive into the psychology of comparison, the people profiting …
Notes de l’épisode
In this episode of the Money Gains Podcast, I share why you're probably doing better than you think and why it doesn't feel that way.
I dive into the psychology of comparison, the people profiting from your insecurity, and why most "rich-looking" people are actually broke. Plus, I share my own story of being £24,000 in debt trying to keep up.
--------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---
✅ Why £2,200/month makes you an above-average UK earner
✅ The real reason you always feel behind (it's not your fault)
✅ Simon vs Mark: same salary, same decade, £80,000 apart
✅ The one line I want you to remember: "If you have to finance a lifestyle, you can't afford it"
✅ 5 things you can do THIS WEEK to start building real wealthThis episode is not financial advice. Always do your own research before making financial decisions. When you invest your capital is at risk. Past performance is not a future indicator.
Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklistWhy Your Student Loan Goes UP Even When You're Paying - Ollie Gardner Rethink Repayment
In this episode of the Money Gains Podcast we welcome Ollie Gardner to the show.Ollie's campaign Rethink Repayment, is fighting for student loan reform in the UK. We discussed why your student loan goes up …
Notes de l’épisode
In this episode of the Money Gains Podcast we welcome Ollie Gardner to the show.
Ollie's campaign Rethink Repayment, is fighting for student loan reform in the UK. We discussed why your student loan goes up even when you're paying, the truth behind the £270 billion debt crisis, and whether an entire generation was mis-sold the biggest financial decision of their lives.
---------
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------
✅ Why your student loan balance grows every year even if you're making payments
✅ How the government expects 73% of graduates to never pay off their loans anyway
✅ Why you need to earn £66,000 just to stop your debt from growing
✅ The contract the government made in 2012 and then quietly broke
✅ Why calling it a "loan" is the biggest lie in British education
✅ How 112,000 graduates have left the UK to escape student debt---------
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.
This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz
Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇
🔗 https://upthegains.co.uk/investing-checklist
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