The Money Gains Podcast

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-checklist

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/ ---------- 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 ------ 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-checklist

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-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.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-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.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 ------ 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

👉🏼 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-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 ---- 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

👉🏼 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-checklist

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-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) *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-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) *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-checklist

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-checklist

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-checklist

Gains App is now LIVE! Download here in App Store & Google Play 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z Any issues or questions you can reach out via support@gainsapp.com ----- 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-checklist

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-checklist

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-checklist

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-checklist

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-checklist

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 Links https://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-checklist

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-checklist