The Money Gains Podcast

👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) --------- Gains App is LIVE! An AI-powered budgeting and cashback app designed to help you make more of your money. Download here 👉 https://gainsapp.com/ ---------- In this episode of the Money Gains Podcast we welcome Ian Dempsey... "The Moneyman"... to the show. Ian, a straight-talking independent financial adviser, gets brutally honest about being secretly in debt while advising others for a living, the simple system that dug him out, and why he now refuses to play the "grey suit brigade" game the rest of the industry does. Ian's Links 🔗 LinkedIn - https://www.linkedin.com/in/ian-dempsey Instagram - https://www.instagram.com/idthemoneyman ✅ Why even a financial adviser ended up secretly broke and in debt, and the simple system that got him out ✅ How "giving your money a job" with pots and the brown-envelope method quietly kills overspending ✅ Why the industry gatekeeps advice behind paywalls, and why most people don't actually need to pay for it ✅ How contactless, apps and clever design are engineered to make you overspend without ever feeling it ✅ What actually separates a good financial adviser from a bad one, and the red flag to walk away from ------ DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

👉🏼 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 ---- DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

👉🏼 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. Eman's Links 🔗 Website - https://emmanuelasuquo.com Instagram - https://www.instagram.com/theemaneffectuk ✅ Why you can earn a good salary and still feel broke, and the real reason it's got nothing to do with your income ✅ Why tying your self-worth to what you can buy quietly keeps you poor, and how to break the cycle ✅ How to start building real wealth when you've had no head start, no inheritance and no role model ✅ What the genuinely wealthy do differently day to day, because it's behaviour, not salary ✅ The money conversation every couple avoids, and why it wrecks more than people admit --------- DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

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. --------- 👉🏼 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 --------- ✅ 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 --------- DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

👉🏼 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 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 ------ 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. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

👉🏼 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 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. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

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. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

Jason Butler joins us today to discuss how having been a Wealth Manager to thousands of millionaires - what is the reason you're not rich yet! --------- 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) *Commission-free investing: Other fees may apply. See terms and fees* --------- 🚨 REFUND CLUB 🚨 You could be due a £829 car finance refund! Check for FREE if you are due a refund in 60 seconds at: 👉 https://refundclub.co.uk/moneygains ----- Gains App is now LIVE! It's an AI-powered budgeting and cash back app designed to help you make more of your money. Download for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z CHAPTERS 0:00 What financial wellbeing means 2:23 Does money buy happiness? 9:58 £60k in debt at 24 12:40 Ditch your credit card 15:40 Trading 212 AD 19:57 The 24-hour spending rule 25:40 Refund Club AD 32:34 Get rich slowly 37:06 What do you actually want? 37:54 Gains App AD 49:02 Can you afford your job? 57:28 Building a business --------- DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. REFUND CLUB DISCLAMER *Refund Club is a trading style of Sandsford Law LTD. You can pursue a claim free of charge directly to your lender and then to the Financial Ombudsman Service. The FCA is likely introducing a free to use Consumer Redress Scheme; it estimates the average redress per agreement will be £829. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

Gains App is now LIVE! Download here in App Store & Google Play 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z Any issues or questions you can reach out via support@gainsapp.com ----- DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

Jay Lawrence is a Wealth Manager at Rathbones who look after £110 Billion for their clients. He joins us to discuss why buying a house is the worst money move in 2026 plus what he thinks is the better one to make for most people. --------- A huge thanks to the episodes sponsor - Trading 212. 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) *Commission-free investing: Other fees may apply. See terms and fees* --------- Gains App is now LIVE! It's an AI-powered budgeting and cashback app designed to help you make more of your money. Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z --------- Resources Why the Golden Age of property is over 👉🏼 https://www.schroders.com/en-gb/uk/intermediary/insights/why-cash-is-riskier-than-stock-market-investing/ Chapters 00:00 - The Property Ladder Is Dead 04:08 - Renting vs Buying: Do The Maths 11:47 - The UK's £1.5 Trillion Mistake 14:53 - ISA Millionaires Don't Use Cash ISAs 17:15 - State School To Rathbones 25:29 - Why £300 Beats £400 29:51 - The "Doing Everything Right" Trap 40:08 - Your First Move 43:59 - The Gateway Drug 46:44 - He Locked His Mum Out 51:10 - Why Crashes Are A Gift DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

Join us this week with Neil Invests to discuss his incredible pathway from being homeless to having a 6-figure investment portfolio and an incredible financial education brand. What an incredible guy! --------- A huge thanks to the episodes sponsor - Trading 212. 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) *Commission-free investing: Other fees may apply. See terms and fees* --------- Gains App is now LIVE! It's an AI-powered budgeting and cashback app designed to help you make more of your money. Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z --------- Neil Invests 👉🏼 https://www.neilinvests.co.uk/ Neil's Instagram 👉🏼 https://www.instagram.com/neilinvests Talking Points this episode: ✅ From sleeping on a floor with nothing to on track to retire by 50 ✅ Why he started investing in February 2020 and a 40% crash was the best thing that ever happened ✅ The simple approach to investing for beginners and why most people overcomplicate it ✅ How he went from £16,800 salary to six figures by job hopping and never upgrading his lifestyle ✅ Why designing the life you want costs far less than you think Chapters 00:00 The Journey From Rock Bottom 05:01 Growing Up in Ireland and Moving to England 07:11 Four Years of Destruction at University 14:55 The Gambling Disaster 21:55 The Wedding in the Garden 24:57 The New Year's Resolution That Changed His Life 28:07 The Market Drops 40% 34:02 Maxing the ISA and Never Upgrading 40:11 Crossing Six Figures 52:31 What He'd Tell His 21-Year-Old Self DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

These money hacks help me save money and keep more of it too! Most of these you can set up and let them run for you in the background. -------- Download Gains App here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z £175 First Direct Current Account Switch 👉🏼 https://www.firstdirect.com/banking/current-account/ * Monzo (Get up to £100) 👉🏼 https://join.monzo.com/c/w3csv9fs * Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 👉🏼 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) Commission-free investing: Other fees may apply. See terms and fees. ------ Chapters 00:00 - Intro 01:30 - Set A Savings Target 04:15 - Sinking Funds 07:30 - Track Your Spending 11:00 - Stop Budgeting 16:00 - Turn On Round-Ups 18:30 - Stop Spending To Look Rich 21:30 - The 24-Hour Rule 25:00 - Cashback 28:30 - Current Account Switch 30:30 - Bill Switching DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links * - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

Join us this week to discuss what's actually making people rich in the UK right now with Financial Adviser Holly Guscott from LCH Wealth. We discuss the ins and outs of pensions, growing money through ISAs, ISA millionaires and so much more! --------- A huge thanks to the episodes sponsor - Trading 212. 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) *Commission-free investing: Other fees may apply. See terms and fees* --------- Gains App is LIVE! An AI-powered budgeting and cashback app designed to help you make more of your money. Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z --------- LCH Wealth for your Financial Diagnosis 👉🏼 https://lchwealth.co.uk/ Talking Points for this episode: ✅ Why there are now more ISA millionaires than National Lottery winners ✅ What you should be doing with your pension in your 20s, 30s, 40s and 50s ✅ The cash ISA rule change coming in 2027 that nobody is talking about ✅ Why earning £100K still won't make you wealthy without a plan ✅ The one thing every family needs to do about inheritance tax right now Chapters 00:00 Introduction 01:11 How Holly Fell Into Financial Advising 02:47 Were Your Finances A Mess When You Started? 05:48 What To Do With Your Pension In Your 20s 09:33 Your 30s: Why Your Pension Can't Wait 13:19 The Pension Struggle Nobody Talks About 16:00 Your 40s: The Wake-Up Call Decade 27:34 ISA Millionaires: More Than Lottery Winners 33:11 Why 83% Of People Are Too Scared To Invest 36:00 The Cash ISA Rule Change Coming In 2027 40:02 AI, Elon Musk & Why You Should Ignore The Noise 46:34 Inheritance Tax: Why Normal Families Are Getting Caught DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

Join us this week with Financial Advisor to Footballers & Athletes, Emmelia Powell to discuss what it's like becoming a professional footballer and suddenly earning more money than you've ever dreamed of. And why so many footballers go bankrupt when they retire plus lots more! --------- A huge thanks to the episodes sponsor - Trading 212. 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) *Commission-free investing: Other fees may apply. See terms and fees* --------- Gains App is LIVE! An AI-powered budgeting and cashback app designed to help you make more of your money. Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z --------- Emmelia's Links https://www.instagram.com/emmelia_pws/ ------ Chapters 00:00 Introduction 01:00 What Happens When A Teenager Signs For Man United 04:18 Losing Your Identity To Someone Else's Success 07:57 Why Nick Powell Turned Down Financial Advice 15:27 Why 40% Of Footballers Struggle After Retirement 17:50 The Silent Cost Of Doing Nothing With Your Money 25:24 The Impulse Buying Trap 30:07 Why Earning £100K Won't Make You Wealthy 40:39 Lifestyle Inflation: When Upgrading Goes Wrong 45:31 The Game Of Wealth Framework 54:03 Teaching Kids About Money 57:29 Life By Design Key Talking Points: ✅ Why 40% of footballers face financial struggles after retirement ✅ The silent cost of doing nothing with your money ✅ Why earning £100K still won't make you wealthy ✅ The G.A.M.E. framework for building real wealth ✅ How to teach your kids about money before it's too late DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

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 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) *Commission-free investing: Other fees may apply. See terms and fees* --------- Gains App is LIVE! An AI-powered budgeting and cashback app designed to help you make more of your money. Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z --------- Chapters 00:00 Introduction 01:00 Why Listen To The Humble Penny 04:52 The Habit Framework That Actually Builds Wealth 07:08 How To Stop Impulse Buying 12:32 Identity-Based Wealth 19:44 How They Became Mortgage Free In 7 Years 21:52 Should You Invest Or Overpay Your Mortgage? 32:38 Compound Interest 43:35 The Employee Mindset 47:05 Your Income Is Rented 53:02 Building Multiple Income Streams 56:24 UK Crabs-In-A-Bucket 59:59 Learning To Be Uncomfortable DISCLAIMER: This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research. This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

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/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) Commission-free investing: Other fees may apply. See terms and fees --------- Gains App is LIVE! An AI-powered budgeting and cashback app designed to help you make more of your money. Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z --------- ✅ 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. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

Ryan King joins us to discuss how he built a £180,000 investment portfolio and how to get started investing with global index funds. This is a investing for beginners masterclass focusing on keeping Making Money Simple which just happens to be his brand name to! --------- 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) *Commission-free investing: Other fees may apply. See terms and fees* --------- Gains App is LIVE! An AI-powered budgeting and cashback app designed to help you make more of your money. Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z --------- CHAPTERS 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. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

Only 29% of the UK are considered financially literate. This HAS to change and these 11 habits will get you 90% of the way there. ---- 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 --------- 👉🏼 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 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. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

Here's why saving £10,000 will change your life. It's not just a number its SO much more than that. In this podcast we unpack why that is. 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 --------- 👉🏼 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 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. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist

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. --------- 👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212 🔗 https://www.trading212.com/join/MGP If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section. (Capital at risk when you invest) *Commission-free investing: Other fees may apply. See terms and fees* --------- Gains App is LIVE! An AI-powered budgeting and cashback app designed to help you make more of your money. Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z --------- 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. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇 🔗 https://upthegains.co.uk/investing-checklist