The Money Gains Podcast

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189

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Jun 2026

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EN-GB

About the show

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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June 10, 2026Episode 1881 hr 1 min

Why Britain Has An Awkward Tax Avoidance Problem, UK Investing For Beginners and MORE! - Michael Taylor

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/MGPIf 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/oiaimr1zChapters0:00 Michael's back0:18 Starbucks pays zero tax3:30 How they legally do it11:31 Britain's £47bn tax gap12:08 AD: Trading 212 13:05 The wealth tax is the wrong fight16:38 The high street is dying21:57 AD: Refund Club23:43 UK stocks vs US stocks31:01 AD: Gains App 30:05 How to actually pick UK stocks 41:23 Shorting & raising money45:57 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 pursuea claim free of charge directly to your lender and then to the FinancialOmbudsman Service. The FCA is likely introducing a free to useConsumer Redress Scheme; it estimates the average redress peragreement will be £829. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

June 3, 2026Episode 1871 hr 8 min

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

Jason Butler joins us today to discuss how having been a Wealth Manager to thousands of millionaires - what is the reason you're not rich yet! ---------👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.(Capital at risk when you invest)*Commission-free investing: Other fees may apply. See terms and fees*---------🚨 REFUND CLUB 🚨You could be due a £829 car finance refund!Check for FREE if you are due a refund in 60 seconds at: 👉 https://refundclub.co.uk/moneygains-----Gains App is now LIVE!It's an AI-powered budgeting and cash back app designed to help you make more of your money.Download for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1zCHAPTERS0:00 What financial wellbeing means2:23 Does money buy happiness?9:58 £60k in debt at 2412:40 Ditch your credit card15:40 Trading 212 AD19:57 The 24-hour spending rule25:40 Refund Club AD32:34 Get rich slowly37:06 What do you actually want?37:54 Gains App AD49:02 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 pursuea claim free of charge directly to your lender and then to the FinancialOmbudsman Service. The FCA is likely introducing a free to useConsumer Redress Scheme; it estimates the average redress peragreement will be £829. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

May 28, 2026Episode 18622 min

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

Gains App is now LIVE!Download here in App Store & Google Play 👉 https://gainsapp.onelink.me/8IhT/oiaimr1zAny issues or questions you can reach out via support@gainsapp.com-----DISCLAIMER:This episode is meant for educational purposes and should not be considered financial advice or UK tax advice.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

May 20, 2026Episode 18557 min

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

Jay Lawrence is a Wealth Manager at Rathbones who look after £110 Billion for their clients. He joins us to discuss why buying a house is the worst money move in 2026 plus what he thinks is the better one to make for most people.---------A huge thanks to the episodes sponsor - Trading 212. 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.(Capital at risk when you invest)*Commission-free investing: Other fees may apply. See terms and fees*---------Gains App is now LIVE!It's an AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------ResourcesWhy 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 Dead04:08 - Renting vs Buying: Do The Maths11:47 - The UK's £1.5 Trillion Mistake14:53 - ISA Millionaires Don't Use Cash ISAs17:15 - State School To Rathbones25:29 - Why £300 Beats £40029:51 - The "Doing Everything Right" Trap40:08 - Your First Move43:59 - The Gateway Drug46:44 - He Locked His Mum Out51:10 - Why Crashes Are A GiftDISCLAIMER:This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

May 13, 2026Episode 1841 hr 3 min

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

Join us this week with Neil Invests to discuss his incredible pathway from being homeless to having a 6-figure investment portfolio and an incredible financial education brand. What an incredible guy!---------A huge thanks to the episodes sponsor - Trading 212. 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.(Capital at risk when you invest)*Commission-free investing: Other fees may apply. See terms and fees*---------Gains App is now LIVE!It's an AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------Neil Invests 👉🏼 https://www.neilinvests.co.uk/Neil's Instagram 👉🏼 https://www.instagram.com/neilinvestsTalking 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 thinkChapters00:00 The Journey From Rock Bottom05:01 Growing Up in Ireland and Moving to England07:11 Four Years of Destruction at University14:55 The Gambling Disaster21:55 The Wedding in the Garden24:57 The New Year's Resolution That Changed His Life28:07 The Market Drops 40%34:02 Maxing the ISA and Never Upgrading40:11 Crossing Six Figures52:31 What He'd Tell His 21-Year-Old SelfDISCLAIMER:This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

May 6, 2026Episode 18334 min

10 Money Hacks That Saved Me £3,278 This Year (One Takes 30 Seconds)

These money hacks help me save money and keep more of it too! Most of these you can set up and let them run for you in the background.--------Download Gains App here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z£175 First Direct Current Account Switch 👉🏼 https://www.firstdirect.com/banking/current-account/* Monzo (Get up to £100) 👉🏼 https://join.monzo.com/c/w3csv9fs* Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 👉🏼 https://www.trading212.com/join/MGPIf 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.------Chapters00:00 - Intro01:30 - Set A Savings Target04:15 - Sinking Funds07:30 - Track Your Spending11:00 - Stop Budgeting16:00 - Turn On Round-Ups18:30 - Stop Spending To Look Rich21:30 - The 24-Hour Rule25:00 - Cashback28:30 - Current Account Switch 30:30 - Bill SwitchingDISCLAIMER:This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.This episode description contains affiliate links * - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

April 29, 2026Episode 18257 min

What's ACTUALLY Making People Rich In The UK - (Holly Guscott - LCH Wealth)

Join us this week to discuss what's actually making people rich in the UK right now with Financial Adviser Holly Guscott from LCH Wealth. We discuss the ins and outs of pensions, growing money through ISAs, ISA millionaires and so much more!---------A huge thanks to the episodes sponsor - Trading 212. 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.(Capital at risk when you invest)*Commission-free investing: Other fees may apply. See terms and fees*---------Gains App is LIVE!An AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------LCH Wealth for your Financial Diagnosis 👉🏼 https://lchwealth.co.uk/Talking Points for this episode:✅ Why there are now more ISA millionaires than National Lottery winners✅ What you should be doing with your pension in your 20s, 30s, 40s and 50s✅ The cash ISA rule change coming in 2027 that nobody is talking about✅ Why earning £100K still won't make you wealthy without a plan✅ The one thing every family needs to do about inheritance tax right nowChapters00:00 Introduction01:11 How Holly Fell Into Financial Advising02:47 Were Your Finances A Mess When You Started?05:48 What To Do With Your Pension In Your 20s09:33 Your 30s: Why Your Pension Can't Wait13:19 The Pension Struggle Nobody Talks About16:00 Your 40s: The Wake-Up Call Decade27:34 ISA Millionaires: More Than Lottery Winners33:11 Why 83% Of People Are Too Scared To Invest36:00 The Cash ISA Rule Change Coming In 202740:02 AI, Elon Musk & Why You Should Ignore The Noise46:34 Inheritance Tax: Why Normal Families Are Getting CaughtDISCLAIMER:This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

April 22, 2026Episode 1811 hr 7 min

Financial Adviser To Footballers Reveals: Why So Many Struggle With Money When They Retire

Join us this week with Financial Advisor to Footballers & Athletes, Emmelia Powell to discuss what it's like becoming a professional footballer and suddenly earning more money than you've ever dreamed of. And why so many footballers go bankrupt when they retire plus lots more!---------A huge thanks to the episodes sponsor - Trading 212. 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.(Capital at risk when you invest)*Commission-free investing: Other fees may apply. See terms and fees*---------Gains App is LIVE!An AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------Emmelia's Linkshttps://www.instagram.com/emmelia_pws/------Chapters00:00 Introduction01:00 What Happens When A Teenager Signs For Man United04:18 Losing Your Identity To Someone Else's Success07:57 Why Nick Powell Turned Down Financial Advice15:27 Why 40% Of Footballers Struggle After Retirement17:50 The Silent Cost Of Doing Nothing With Your Money25:24 The Impulse Buying Trap30:07 Why Earning £100K Won't Make You Wealthy40:39 Lifestyle Inflation: When Upgrading Goes Wrong45:31 The Game Of Wealth Framework54:03 Teaching Kids About Money57:29 Life By DesignKey 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 lateDISCLAIMER:This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

April 15, 2026Episode 1801 hr 12 min

Married Couple REVEALS: How They Became Financially Free By 34!

Join us this week with Ken & Mary Okofoafor from The Humble Penny to discuss their new book The Wealth Habit. It's how putting in the right habits and investing your money helps you become the rich version of yourself. Ken & Mary have been teaching personal finance for many years and have two Sunday Times Bestsellers teaching you how to get rich. Get the book 👉🏼 https://www.waterstones.com/book/the-wealth-habit/ken-okoroafor/mary-okoroafor/9781529449204---------A huge thanks to the episodes sponsor - Trading 212. 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf 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---------Chapters00:00 Introduction01:00 Why Listen To The Humble Penny04:52 The Habit Framework That Actually Builds Wealth07:08 How To Stop Impulse Buying12:32 Identity-Based Wealth19:44 How They Became Mortgage Free In 7 Years21:52 Should You Invest Or Overpay Your Mortgage?32:38 Compound Interest43:35 The Employee Mindset47:05 Your Income Is Rented53:02 Building Multiple Income Streams56:24 UK Crabs-In-A-Bucket59:59 Learning To Be UncomfortableDISCLAIMER:This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

April 8, 2026Episode 1791 hr 13 min

Financial Adviser Reveals: The REAL Reason You're Not Rich Yet! (Andy Hart)

Andy Hart joins us this week to discuss the real reason most people don't get rich and his new book 'No Bullsh*t Money Advice'. This was a refreshing episode about why you're probably not rich yet and what to actually do about it.Andy's book 👉🏼🔗 https://www.nobullmoney.co.uk/---------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/MGPIf 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---------✅ 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 accountDISCLAIMER:This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist