Explore every episode of the podcast The Money Gains Podcast
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5 Financial Advisers Reveal: Why You're Broke On A Good Salary (And What To Fix!)
28 oct. 2026
00:52:12
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.
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
Chapters 0:00 Sammie's New York trainer haul 2:28 Welcome to the show 2:48 Round 1: The Big 3 (Bumble sold for $1.3bn) 5:51 Arsenal job cuts 8:05 The airport drop-off scam 10:28 Fury v Joshua: a £73k ringside seat 14:00 Tom Cruise's Digger flop 16:05 Netflix and the subscription creep 18:26 Round 2: Guess The Number 18:44 Steven Bartlett's $52m 21:00 Harry Styles' tax bill 22:03 Why the rich leave, VAT and the £100k trap 31:17 Starbucks' car park takeover 32:36 Glastonbury at £408 34:43 Round 3: Agree to Disagree 35:40 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 Shame 53:02 The Bali wedding invoice 57:20 Splitting the bill 1:00:53 Round 5: Quick-fire 1:03:49 Wrap-up
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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.
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)
08 oct. 2026
01:20:15
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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In this episode of the Money Gains Podcast we welcome Sam Grice... Founder and CEO of Octopus Legacy... to the show.
After losing his mum suddenly at 27, Sam found himself buried in the admin, decisions and family fallout that come after a death. Now he helps people sort it before it's needed.
We get into what really happens to your money and your home if you die without a will, why so many families end up falling out, and Sam walks me through writing my own will live on the show.
✅ Why my partner of nearly 10 years would get nothing if I died without a will, and why my share of our home would go to my parents instead ✅ What the law actually decides if you die without a will, including the £322,000 rule for married couples ✅ Why getting married cancels your will, and what divorce does to it ✅ Why Martin Lewis says power of attorney is arguably more important than a will ✅ How to choose an executor, why you don't have to do it if you're asked, and why leaving everything to an 18-year-old can backfire ✅ How leaving 10% to charity can cut the inheritance tax rate on your estate
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DISCLAIMER: This episode is meant for educational purposes and should not be considered financial, legal or tax advice. The rules discussed apply to England and Wales and may differ in Scotland and Northern Ireland. Always do your own research or speak to a professional about your own situation.
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.
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.
✅ 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
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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.
---------- 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?
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
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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 Advisor Reveals: I Was Secretly Broke (Here's How I Fixed It) - Ian Dempsey
16 sept. 2026
00:53:35
👉🏼 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)
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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/
----------
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.
✅ 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)
02 sept. 2026
01:03:50
👉🏼 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.onelink.me/8IhT/oiaimr1z
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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 Advisor Reveals: Why You're Broke (Even On A Good Salary) - Emmanuel Asuquo
26 août 2026
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
--------- 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.
✅ 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 ---------
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)
08 juil. 2026
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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👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
✅ 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
24 juin 2026
01:16:37
👉🏼 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) *Commission-free investing: Other fees may apply. See terms and fees*
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Gains is the UKs first budgeting and cashback app that helps you track your spending and save more!
Download the app for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
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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.
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.
How To Invest £100 A Month (UK Investing For Beginners Guide)
17 juin 2026
00:40:53
👉🏼 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*
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Gains is the UKs first budgeting and cashback app that helps you track your spending and save more!
Download the app for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
----- CHAPTERS 0:00 Intro 2:10 Why £100 Matters 5:10 Compounding & The Real Numbers 9:51 What To Sort Before You Invest 15:44 How The Stock Market Works 22:18 A Stocks & Shares ISA (Fast vs Slow Pounds) 26:47 Stocks, Funds, ETFs & Indexes 31:15 The Strategy 35:20 Consistency
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.
Why Britain Has An Awkward Tax Avoidance Problem, UK Investing For Beginners and MORE! - Michael Taylor
10 juin 2026
01:03:52
Michael Taylor joins me today to discuss the growing issue of big corporations tax avoidance in the UK and the £47 billion in lost taxes. --------- 👉🏼 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 🚨
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 Michael's back 0:18 Starbucks pays zero tax 3:30 How they legally do it 11:31 Britain's £47bn tax gap 12:08 AD: Trading 212 13:05 The wealth tax is the wrong fight 16:38 The high street is dying 21:57 AD: Refund Club 23:43 UK stocks vs US stocks 31:01 AD: Gains App 30:05 How to actually pick UK stocks 41:23 Shorting & raising money 45:57 Trading life, trolls & 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.
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.
I Advised 2,500 Millionaires: The REAL Reason You're Not Rich! (Jason Butler)
03 juin 2026
01:11:24
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
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.
Wealth Manager Reveals: Why Buying A House Is the WORST Money Move In 2026 (Jay Lawrence - Rathbones)
20 mai 2026
01:00:26
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.
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.
I Was Homeless. Now I'm Retiring At 50 From Investing. (Neil Invests)
13 mai 2026
01:05:40
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.
--------- 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.
£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.
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.
Financial Adviser To Footballers Reveals: Why So Many Struggle With Money When They Retire
22 avr. 2026
01:09:48
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.
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(Capital at risk when you invest) *Commission-free investing: Other fees may apply. See terms and fees*
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An AI-powered budgeting and cashback app designed to help you make more of your money.
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.
Married Couple REVEALS: How They Became Financially Free By 34!
15 avr. 2026
01:15:15
Join us this week with Ken & Mary Okoroafor 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
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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.
✅ 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.
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.
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🔗 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*
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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.
👉🏼 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*
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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.
I Turned a £500 Overdraft Into £350 Million. Here's How. (Oliver Cookson - Founder of Myprotein)
05 mars 2026
00:59:07
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.
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🔗 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.
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.
✅ 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.
ACCOUNTANT EXPOSES: Why The UK Tax System STEALS 80% Of Your Wealth
18 févr. 2026
01:02:01
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.
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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) *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.
✅ 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.
You're Not Behind - Why Everyone Looks Richer Than You (But Isn't)
11 févr. 2026
00:22:32
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.
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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)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
✅ 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.
Why Your Student Loan Goes UP Even When You're Paying - Ollie Gardner Rethink Repayment
05 févr. 2026
00:58:19
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.
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👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
✅ 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
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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.
Most of Us Rent Our Income. Here's Why This Matters.
28 janv. 2026
00:28:02
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.
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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)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
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.
A Gangster Saved My Life: From Council Estate to 8-Figure Exit (Timothy Armoo)
21 janv. 2026
01:09:54
How to turn yourself into a wealth-generating machine.
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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.
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👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
✅ 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
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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.
This Is Exactly How You’re Going To Take Control Of Your Finances In 2026 (90 Day Plan)
17 déc. 2025
00:47:58
The playbook to make 2026 your year.
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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 expenses
Discretionary spending
Debt payments
Then:
– 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”
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👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
✅ 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
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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.
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.
Could You Run the UK Economy? Inside the Decisions No One Sees (Joe Mayes)
10 déc. 2025
01:00:23
There's more to the Budget than the headlines.
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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?
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👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
✅ 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
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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.
Finance Experts Reveal: What The UK Budget Means For You (Andrew Craig & Brian Byrnes)
28 nov. 2025
01:21:19
They promised growth - did this Budget deliver?
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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.
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👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
✅ 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
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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.
Multi-Millionaire Reveals: Why Financial Freedom Isn’t About Money (Jason Graystone)
19 nov. 2025
01:10:17
This is what really matters if you want to be free.
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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.
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212
✅ 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
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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.
(When you invest your capital is at risk. Past performance is not a guarantee of future success. Investments can go up and down in value. Lifetime ISAs can be used for a first home purchase or towards retirement)
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In this episode of the Money Gains Podcast we welcome Rajan Lakhani, Head of PR & Comms at Plum to the show.
Rajan explains why Rachel Reeves' proposed cash ISA reforms might not achieve their intended goal of boosting UK investment, the psychological barriers preventing people from investing, and the Lifetime ISA trap affecting London buyers.
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212
✅ Why automation solves the psychological barriers to saving
✅ How the £450,000 Lifetime ISA cap traps London first-time buyers
✅ Why your pension investment feels safe but your ISA terrifies you
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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.
In this episode of the Money Gains Podcast we welcome Bianca Errigo from Human OS to the show.
Bianca shares groundbreaking insights into how chronic workplace stress creates invisible financial leaks, why 63% of 18-34 year-olds are worried about their finances, and how the resilience crisis amongst young people is fundamentally changing workplace dynamics
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212
✅ Why chronic workplace stress creates a self-perpetuating financial trap that affects your sleep, cognitive bandwidth, and ultimately your earning potential
✅ How under-30s have 30% lower resilience than any other age group
✅ Why giving 110% across everything leads to burnout and actually slows your progress
✅ How 80-90% of neurotransmitters are manufactured in your gut
✅ Why checking your phone before brushing your teeth is exhausting you by 11am
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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.
In this episode of the Money Gains Podcast we welcome James Gerrard to the show.
James is a property investor, business owner and speaker with a unique view on the current economic landscape and how the middle class is effectively vanishing.
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212
✅ Why your family home is a lifestyle purchase, not an investment
✅ How institutional investors like Blackstone are creating the biggest generational buying opportunity in decades
✅ Why Prime Central London property has crashed 38% since 2014
✅ How to enter property investing with zero capital
✅ Why the TIDED framework is pushing up the "drawbridge" between asset owners and wage earners
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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.
DISCLAIMER: This video is meant for educational purposes and should not be considered financial advice.
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.
In this episode of the Money Gains Podcast we welcome Jamie from Mattr to the show.
Mattr is the UK's first lifestyle app for single people and Jamie talks about how there is far more to being single than dating, the financial realities single people are facing and the toxic influence of social media on dating expectations
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212
✅ Why the average London date costs £260 and how this pricing is driving Britain's singles crisis
✅ How dating apps exploit dopamine responses more harmfully than alcohol
✅ Why being single costs you £10,000 more per year than couples
✅ How to have financial conversations with potential partners without awkwardness
✅ Why investing in a dating app subscription could be your most important financial decision
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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.
Money Moments 25 - The Hidden Tax Increase No One Is Talking About (Charlotte Baroukh)
17 oct. 2025
00:13:59
Understanding tax and our pay slips shouldn't be this complicated.
In this week's Money Moments we're back with Charlotte Baroukh to talk about common misunderstandings about payslips plus the hidden tax increases that are hurting your wallet.
DISCLAIMER: This episode 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 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.
In this episode of the Money Gains Podcast we welcome Rich from The Art of Investing to the show.
Rich brings over two decades of finance experience to talk about a rare moment where seemingly everything is at all-time highs simultaneously.
We talk about current market risks and opportunities, practical strategies to protect your portfolio and why the S&P 500's dominance may be creating dangerous concentration risk for everyday investors.
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✅ Why holding 20% cash at 4-5% interest is now a strategic investment decision, not a mistake
✅ How to conduct the "fire drill" portfolio stress test - applying realistic haircuts to assess if you can stomach a proper correction
✅ Why the S&P 500 trading at 24x earnings with 50% in the top 10 stocks means you're not actually diversified
✅ How to spot market tops - when your vicar, taxi driver, or grandmother starts discussing asset prices, it's time to reduce risk
✅ Why leverage and leveraged ETFs will destroy your wealth and what to do instead
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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.
Money Moments 24 - Why Talking About Money Can Make Or Break A Relationship (Bekah Donovan)
10 oct. 2025
00:14:41
Is who you share your life with the most important financial decision you can make?
In this week's Money Moments we're back with Bekah Donovan to talk about the often-avoided subject of money conversations in dating and relationships, and why financial compatibility matters just as much as emotional connection
DISCLAIMER: This episode 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 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.
In this special episode of the Money Gains Podcast we've rounded up some of the best discussions about the UK economy from the last year.
We've got Andrew Craig, Grace Blakeley, Joe Bryan, Rich McDonald and Michael Taylor sharing decades of experience in UK economics, politics, tax and much more.
This is a deep dive into everything from government policy to wealth taxes and how each part affects you and your wallet.
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212
✅ Why National Insurance increases cause mass unemployment and business closures rather than economic growth
✅ How governments use money printing to steal wealth from workers whilst making asset holders appear richer on paper
✅ Why the "tax the rich" movement fails without democratic accountability over how governments actually spend collected revenues
✅ How supporting local independent businesses keeps money circulating in the UK economy instead of flowing to overseas shareholders
✅ Why UK GDP per capita has stagnated for 30 years whilst Ireland, Singapore and even Poland have become significantly wealthier
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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.
Money Moments 23 - This ONE Simple Technique Saved Me From Burn Out (Anyone Can Do It) - Dan Hughes
03 oct. 2025
00:17:17
What's the point of building wealth if you're too burnt out to enjoy it?
In this week's Money Moments we're back with Wim Hof Instructor Dan Hughes from Vitae VI to talk about a simple change you can make to reduce stress, improve your decision-making and set yourself on the right path for long-term success.
DISCLAIMER: This episode 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 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.
In this episode of the Money Gains Podcast we welcome Brian Mitchell from Frugal Spender to the show.
We chat about why your budget keeps failing, how car finance is silently destroying your wealth, and why the person you marry matters more than any investment strategy you'll ever learn.
We also expose the hidden taxation draining 70-90% of your income and share the uncomfortable truth about why being "obsessed" with paying off debt might be the only way out.
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212
✅ Why your first budget will fail and how to accept it, learn from it and try again
✅ How to automate everything at the start of the month before you can sabotage yourself
✅ Why choosing your life partner is your single most important financial decision
✅ How you're actually paying 70-90% tax when you account for VAT, stamp duty, council tax, and others beyond income tax
✅ Why the £100,000 investment milestone is where compound interest accelerates dramatically
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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.
Money Moments 22 - Financial Experts: £31 BILLION in Lost UK Pensions - Is Some Yours?
26 sept. 2025
00:11:59
In this week's Money Moments we're back with financial experts and content creators Rotimi Merriman-Johnson and Laura Ann-Moore to talk about lost pension money, why it's such a problem and how you can find money you could be missing.
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.
In this episode of the Money Gains Podcast we welcome Bank of England economic advisor Jack Leslie to the show.
We chat about the things that really matter when it comes to what's happening with your money.
This episode reveals the intricate processes behind Britain's most powerful financial institution, exposing how decisions are made that directly impact millions of mortgages, savings accounts, and the entire UK economy.
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212
✅ Why the Bank of England's basement contains 1/20th of all the world's mined gold
✅ How your mortgage rate is determined by what banks think interest rates will be in the future
✅ What Taylor Swift has to do with interest rates
✅ Why cash usage is rising during economic uncertainty
✅ How a Central Bank Digital Currency could replace traditional banking
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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.
Money Moments 21 - Former Hedge Fund Manager: How To Pick Stocks (And Should You Listen To The Hype) | Rich McDonald
19 sept. 2025
00:14:28
In this week's Money Moments we're back with Rich Mcdonald, former Head of Emerging Markets at Credit Suisse, to talk about the differences between the American and British stock markets and whether you should listen to hype around stocks.
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.
In this episode we've flipped things around as I'm interviewed by my good friend and host of the Trying To Adult Podcast, Adam Williams.
I shared my transformation from drowning in £24,000 of consumer debt to building one of the UK's top financial education platforms.
We also spoke about my huge new project, Gains App, designed to put £1,000+ back in the average person's pocket through intelligent cashback whilst removing the shame and friction from money management, with the goal of changing how millions of Brits handle their finances forever.
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212
✅ How I escaped £24,000 consumer debt and built a top UK finance education platform
✅ Why 91% of people are losing £1,091+ a year by paying full price for everything
✅ How you can completely transform your money mindset
✅ Why I'm building an AI-powered mobile app to help remove shame and friction from money management
✅ How one simple cashback strategy could pay for your Christmas, holiday, or emergency fund
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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.