The Money Gains Podcast

The Money Gains Podcast
  • 5.0 (1)
  • 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. 6D AGO

    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

  2. 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

  3. 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

  4. JAN 21

    A Gangster Saved My Life: From Council Estate to 8-Figure Exit (Timothy Armoo)

    How to turn yourself into a wealth-generating machine. --------- In this episode of the Money Gains Podcast we welcome Timothy Armoo to the show.  Timothy is the founder of FanBytes which he sold for an eight-figure sum before turning 30. We discussed the difference between your mental and physical environments, why successful entrepreneurs are far more unremarkable than you think and how to develop the courage to leave your existing tribe to pursue bigger goals.  --------- 👉🏼 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 physical environment matters less than your mental one ✅ How successful entrepreneurs simply failed their way forward  ✅ Why property investment is the worst way to build wealth in the UK ✅ How to develop a superiority mindset that makes you believe you're capable of more ✅ Why the fear isn't actually living after making a decision but rather the two-minute conversation required to make it in the first place --------- 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

    1h 8m

  5. 12/17/2025

    This Is Exactly How You’re Going To Take Control Of Your Finances In 2026 (90 Day Plan)

    The playbook to make 2026 your year.  --------- In this episode of the Money Gains Podcast I'm breaking down a practical 12-week action plan covering everything from conducting a financial review to automating your money management.  We talk about why personal finance is deeply personal and provide actionable steps for increasing income and capturing cashback opportunities that could save you over £1,000 a year. This is the CHATGPT Prompt >>  “Here are my last 3 months of bank transactions. Please analyse them and categorise every transaction into 3 categories: Fixed expensesDiscretionary spending Debt paymentsThen:  – Calculate my average monthly spending in each category  – Identify areas where I may be overspending compared to typical averages (e.g., transport, subscriptions, eating out) - Highlight any merchants or transactions you’re not sure about so we can make a decision on these together  – Estimate my potential savings rate (based on income vs spending) and explain it as if you are analysing a business’ profit vs loss” --------- 👉🏼 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 reviewing three months of bank statements reveals the hidden spending leaks that keep you broke ✅ How the three-bank automation system removes willpower from money management  ✅ Why building an emergency fund before investing gives you the freedom to handle financial emergencies ✅ How the debt snowball method creates quick psychological wins ✅ Why asking for a pay rise has only three outcomes --------- 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.  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

    47 min

  6. 12/10/2025

    Could You Run the UK Economy? Inside the Decisions No One Sees (Joe Mayes)

    There's more to the Budget than the headlines.  --------- In this episode of the Money Gains Podcast we welcome award-winning journalist and bestselling author Joe Mayes to the show.  We discussed the intense pressures faced by the Chancellor, why there's so much uncertainty about economic policies and ran through some interactive scenarios from Joe's book, Can You Run the Economy? --------- 👉🏼 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 gets entered to win their shopping paid for an entire year. Join here 👉 https://gainsapp.com/ --------- Can You Run The Economy? on Amazon https://amzn.eu/d/67ADU4l --------- ✅ Why Rachel Reeves raised taxes despite having a £4 billion surplus ✅ How the budget front-loads spending benefits whilst back-loading tax increases ✅ Why every chancellor faces impossible choices between bad and worse options ✅ How financial markets can force a chancellor from office immediately  ✅ Why learning to think like a chancellor makes you better with your own money --------- DISCLAIMER: This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.  This video 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

    59 min

  7. 11/28/2025

    Finance Experts Reveal: What The UK Budget Means For You (Andrew Craig & Brian Byrnes)

    They promised growth - did this Budget deliver? --------- In this special UK Budget episode of the Money Gains Podcast we welcome best-selling author Andrew Craig and Brian Byrnes, Head of Personal Finance at Moneybox, back to the show.  We discussed Rachel Reeves' latest Budget and the implications that tax changes will have on you, the economy and the country as a whole.  --------- 👉🏼 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 gets entered to win their shopping paid for an entire year. Join here 👉 https://gainsapp.com/ --------- Andrew Craig & Plan English Finance https://www.youtube.com/@PlainEnglishFinance  Moneybox https://www.moneyboxapp.com/ --------- ✅ Why spending increases create an unsustainable deficit ✅ How fiscal drag will push more workers into higher-rate tax brackets by 2031  ✅ Why Australian retirees have 5-7 times more pension wealth than Brits ✅ How the UK stock market and entrepreneurship is suffering ✅ Why nothing changes immediately despite the headlines --------- DISCLAIMER: This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.  This video 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

    1h 20m

  8. 11/19/2025

    Multi-Millionaire Reveals: Why Financial Freedom Isn’t About Money (Jason Graystone)

    This is what really matters if you want to be free. --------- In this episode of the Money Gains Podcast we welcome Jason Graystone to the show.  Jason shares his journey to achieving financial freedom at just 30 years old, spending a week with Richard Branson on Necker Island and revealing why most people are optimising for the wrong version of freedom.  --------- 👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional share - 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 gets entered to win their shopping paid for an entire year. Join here 👉 https://gainsapp.com/ --------- Jason online https://jasongraystone.com/ Always Free on: Amazon https://amzn.to/3K03q5Z Audible (UK) https://www.audible.co.uk/pd/Always-Free-Audiobook/B0G15SS9L4  Audible (US) https://www.audible.com/pd/Always-Free-Audiobook/B0G161CVWS --------- ✅ Why 91% of Brits hate their job  ✅ How to achieve financial freedom in 10-20 years ✅ Why you should never grow your money at a rate your mindset can't keep up with ✅ How to separate making money from building freedom ✅ Why billionaires spend their time climbing rocks and riding bikes --------- DISCLAIMER: This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success.  This video 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

    1h 8m
See All (173)

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
    173
  • Rating
    Clean
  • Copyright
    © 2026 The Money Gains Podcast
  • Show Website
    The Money Gains Podcast

You Might Also Like