The Money Gains Podcast

The Money Gains Podcast
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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. 12H AGO

    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

    35 min

  2. 6D AGO

    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

    27 min

  3. MAR 5

    I 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 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 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/ --------- 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-checklist

    57 min

  4. FEB 25

    The 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 👉🏼 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 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/ --------- ✅ 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-checklist

    32 min

  5. FEB 18

    ACCOUNTANT 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 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 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/ --------- 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-checklist

    1 hr

  6. FEB 11

    You'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 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 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/ --- ✅ 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 wealth This 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-checklist

    23 min

  7. FEB 5

    Why 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 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 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/ --------- ✅ 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

    57 min

  8. JAN 28

    Most of Us Rent Our Income. Here's Why This Matters.

    In this episode of the Money Gains Podcast, I explain why your income is rented, not owned and what to do about it.  I dive into the research on why we spend to prove ourselves, the dopamine trap that keeps us stuck, and the "tend your forest" framework for building real wealth. If you've ever felt like you're working hard but getting nowhere financially, this one's for you. -------- 👉🏼 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 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/ --------- IN THIS EPISODE: ✅ Why your salary doesn't actually belong to you — and what to do about it ✅ The psychology behind why we buy things we can't afford ✅ Why 75% of luxury buyers earn less than $150K (the "aspirational" trap) ✅ The boring wealth-building strategy that actually works ✅ How to define your "enough" and stop chasing someone else's version of success ✅ 5 steps to stop renting your income and start owning it This video 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-checklist

    28 min
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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
    178
  • Rating
    Explicit
  • Copyright
    © 2026 The Money Gains Podcast
  • Show Website
    The Money Gains Podcast

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