The Money Gains Podcast

The Money Gains Podcast
  • 4.8 (76)
  • INVESTING
  • UPDATED WEEKLY

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.

  1. 4 DAYS AGO

    10 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 for FREE 👉🏼 https://gainsapp.com/ £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

    35 min

  2. 29 APR

    What'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 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 on 12th May. It's an AI-powered budgeting and cashback app designed to help you make more of your money. Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year. Join here 👉 https://gainsapp.com/ --------- 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

    57 min

  3. 22 APR

    Financial 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 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 launches in a few weeks. It's an AI-powered budgeting and cashback app designed to help you make more of your money. Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year. Join here 👉 https://gainsapp.com/ --------- 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

    1hr 7min

  4. 15 APR

    Married Couple REVEALS: How They Became Financially Free By 34!

    Join us this week with Ken & Mary Okofoafor 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 launches in a few weeks. It's an AI-powered budgeting and cashback app designed to help you make more of your money. Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year. Join here 👉 https://gainsapp.com/ --------- 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

    1hr 12min

  5. 8 APR

    Financial 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 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 launches in a few weeks. It's an AI-powered budgeting and cashback app designed to help you make more of your money. Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year. Join here 👉 https://gainsapp.com/ --------- ✅ 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-checklist

    1hr 13min

  6. 25 MAR

    I 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 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 launches in a few weeks. It's an AI-powered budgeting and cashback app designed to help you make more of your money. Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year. Join here 👉 https://gainsapp.com/ --------- 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-checklist

    1hr 2min

  7. 18 MAR

    11 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 launches in a couple of weeks time. It's an AI-powered budgeting and cashback app designed to help you make more of your money. Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year. Join the waitlist HERE 👉 https://gainsapp.com/ --------- 👉🏼 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-checklist

    34 min

  8. 12 MAR

    Why 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 launches in a few weeks. It's an AI-powered budgeting and cashback app designed to help you make more of your money. Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year. Join the waitlist HERE 👉 https://gainsapp.com/ --------- 👉🏼 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-checklist

    26 min
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4.8
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About

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.

Information

  • Creator
    The Money Gains Podcast
  • Years Active
    2023 - 2026
  • Episodes
    184
  • Rating
    Explicit
  • Copyright
    © 2026 The Money Gains Podcast
  • Show Website
    The Money Gains Podcast

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