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. 15h ago

    I Advised 2,500 Millionaires: The REAL Reason You're Not Rich! (Jason Butler)

    Jason Butler joins us today to discuss how having been a Wealth Manager to thousands of millionaires - what is the reason you're not rich yet! --------- 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you 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

    1h 9m

  2. 6d ago

    I Tried Every Money App In The UK. Then Built My Own. Behind The Curtain on Gains App.

    Gains App is now LIVE! Download here in App Store & Google Play 👉  https://gainsapp.onelink.me/8IhT/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

    22 min

  3. May 20

    Wealth Manager Reveals: Why Buying A House Is the WORST Money Move In 2026 (Jay Lawrence - Rathbones)

    Jay Lawrence is a Wealth Manager at Rathbones who look after £110 Billion for their clients. He joins us to discuss why buying a house is the worst money move in 2026 plus what he thinks is the better one to 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

    58 min

  4. May 13

    I Was Homeless. Now I'm Retiring At 50 From Investing. (Neil Invests)

    Join us this week with Neil Invests to discuss his incredible pathway from being homeless to having a 6-figure investment portfolio and an incredible financial education brand. What an incredible guy! --------- A 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

    1h 3m

  5. May 6

    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 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

    34 min

  6. Apr 29

    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! 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

    57 min

  7. Apr 22

    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 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

    1h 7m

  8. Apr 15

    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 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

    1h 13m
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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
    188
  • Rating
    Explicit
  • Copyright
    © 2026 The Money Gains Podcast
  • Show Website
    The Money Gains Podcast

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