The Money Gains Podcast - Details, episodes & analysis

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The Money Gains Podcast

Business

Education

Business

Frequency: 1 episode/7d. Total Eps: 200

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.

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🇬🇧 Great Britain - business
05/11/2026
#46
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04/11/2026
#45
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🇬🇧 Great Britain - business
03/11/2026
#48
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🇬🇧 Great Britain - business
02/11/2026
#49
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🇬🇧 Great Britain - business
08/10/2026
#44
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🇬🇧 Great Britain - business
07/10/2026
#46
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🇬🇧 Great Britain - business
06/10/2026
#45
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🇬🇧 Great Britain - business
05/10/2026
#48
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🇬🇧 Great Britain - business
04/10/2026
#49
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🇬🇧 Great Britain - business
03/10/2026
#49
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https://upthegains.co.uk/investing-checklist
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https://www.trading212.com/join/MGP
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https://upthegains.thrivecart.com/stock-market-school/
250 shares

https://www.instagram.com/chloesdealclub
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Score global : 58%

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5 Financial Advisers Reveal: Why You're Broke On A Good Salary (And What To Fix!)

Episode 199

Wednesday, October 28, 2026 • Duration 52:12

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

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BIGGEST RIP-OFFS YOU'VE EVER PAID FOR?! - EP 198

Episode 198

Wednesday, October 21, 2026 • Duration 01:09:55

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.

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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.

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👉🏼 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)

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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/

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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
Chapters0:00 Sammie's New York trainer haul2:28 Welcome to the show2:48 Round 1: The Big 3 (Bumble sold for $1.3bn)5:51 Arsenal job cuts8:05 The airport drop-off scam10:28 Fury v Joshua: a £73k ringside seat14:00 Tom Cruise's Digger flop16:05 Netflix and the subscription creep18:26 Round 2: Guess The Number18:44 Steven Bartlett's $52m21:00 Harry Styles' tax bill22:03 Why the rich leave, VAT and the £100k trap31:17 Starbucks' car park takeover32:36 Glastonbury at £40834:43 Round 3: Agree to Disagree35:40 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 Shame53:02 The Bali wedding invoice57:20 Splitting the bill1:00:53 Round 5: Quick-fire1:03:49 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.

I Found Out My Parents Would Get My House If I Died (Unless I Did This!) - Wills & Trusts Expert - Sam Grice (Octopus Legacy)

Episode 197

Thursday, October 8, 2026 • Duration 01:20:15

Can You Still Buy A House In 2026? Lifetime ISA Changes, New ISA Rules & First-Time Buyer Tips - Brian Byrnes (Moneybox)

Episode 196

Wednesday, September 30, 2026 • Duration 01:03:37

👉🏼 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/

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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.

Wealth Manager Reveals: How To Make Your Child A Millionaire (From £120 A Month)

Episode 195

Wednesday, September 23, 2026 • Duration 01:10:47

👉🏼 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)

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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/

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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.

Financial Advisor Reveals: I Was Secretly Broke (Here's How I Fixed It) - Ian Dempsey

Episode 194

Wednesday, September 16, 2026 • Duration 53:35

👉🏼 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

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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.

I'm A Buddhist Wealth Manager: Why You Never Feel Rich (Unless You Do This)

Episode 193

Wednesday, September 2, 2026 • Duration 01:03:50

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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.

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Financial Advisor Reveals: Why You're Broke (Even On A Good Salary) - Emmanuel Asuquo

Episode 192

Wednesday, August 26, 2026 • Duration 01:17:33

👉🏼 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

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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
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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.

Financial Adviser Reveals: Why You Don't ACTUALLY Need One (Just Do This!) - Pete Matthew (Meaningful Money)

Episode 191

Wednesday, July 8, 2026 • Duration 01:01:46

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.

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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

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✅ 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

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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.

Economist Warns: STOP Just Buying the S&P 500 (Without Knowing This!) - Andrew Craig

Episode 190

Wednesday, June 24, 2026 • Duration 01:16:37

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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.

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