The Money Gains Podcast
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.
BIGGEST RIP-OFFS YOU'VE EVER PAID FOR?! - EP 198
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
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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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I Found Out My Parents Would Get My House If I Died (Unless I Did This!) - Wills & Trusts Expert - Sam Grice (Octopus Legacy)
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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Can You Still Buy A House In 2026? Lifetime ISA Changes, New ISA Rules & First-Time Buyer Tips - Brian Byrnes (Moneybox)
👉🏼 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)
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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 back B...
Wealth Manager Reveals: How To Make Your Child A Millionaire (From £120 A Month)
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
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Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.com/
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In this episode of the Money Gains Podcast we welcome Sophia Jarvis...
Financial Advisor Reveals: I Was Secretly Broke (Here's How I Fixed It) - Ian Dempsey
👉🏼 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 Ian De...
I'm A Buddhist Wealth Manager: Why You Never Feel Rich (Unless You Do This)
👉🏼 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 educ...
Financial Advisor Reveals: Why You're Broke (Even On A Good Salary) - Emmanuel Asuquo
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.
(Capital at risk when you invest)
---------
Gains App is LIVE!
An AI-powered budgeting and cashback app designed to help you make more of your money.
Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
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In this episode of the Money Gains Podcast...
Financial Adviser Reveals: Why You Don't ACTUALLY Need One (Just Do This!) - Pete Matthew (Meaningful Money)
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
🔗 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 se...
Economist Warns: STOP Just Buying the S&P 500 (Without Knowing This!) - Andrew Craig
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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*
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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
How To Invest £100 A Month (UK Investing For Beginners Guide)
👉🏼 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
<...
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.
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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*
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🚨 REFUND CLUB 🚨
Check for FREE if you ar...
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!
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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*
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🚨 REFUND CLUB 🚨
You could be du...
I Tried Every Money App In The UK. Then Built My Own. Behind The Curtain on Gains App.
Gains App is now LIVE!
Download here in App Store & Google Play 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
Any issues or questions you can reach out via [email protected]
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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
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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.
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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 s...
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!
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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...
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.
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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...
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!
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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 c...
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!
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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...
Married Couple REVEALS: How They Became Financially Free By 34!
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
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A huge thanks to the episodes sponsor - Trading 212.
👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with...
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/
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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 a...
I Built A £180,000 Investment Portfolio In 8 Years (And You Can Too!) - Ryan King
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!
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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 yo...
11 Habits To Become DISGUSTINGLY Financially Literate (And Rich!)
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.
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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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👉🏼 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 wo...
Why Saving £10,000 Changes EVERYTHING
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
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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 wor...
I Turned a £500 Overdraft Into £350 Million. Here's How. (Oliver Cookson - Founder of Myprotein)
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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👉🏼 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 t...
The ONE Thing You Need To Invest In... (This Works!)
In this episode of the Money Gains Podcast, I share the ONE thing you need to invest in that's so easy and simple.
Here's the FREE 10 Step Investing Checklist 👉🏼 https://subscribe.upthegains.co.uk/investing-checklist
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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...
ACCOUNTANT EXPOSES: Why The UK Tax System STEALS 80% Of Your Wealth
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...
You're Not Behind - Why Everyone Looks Richer Than You (But Isn't)
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...
Why Your Student Loan Goes UP Even When You're Paying - Ollie Gardner Rethink Repayment
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
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head to the menu...
Most of Us Rent Our Income. Here's Why This Matters.
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...
A Gangster Saved My Life: From Council Estate to 8-Figure Exit (Timothy Armoo)
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
🔗 https://www.trading21...
This Is Exactly How You’re Going To Take Control Of Your Finances In 2026 (90 Day Plan)
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 expensesDiscretionary spendi...Could You Run the UK Economy? Inside the Decisions No One Sees (Joe Mayes)
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
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fractional shares - head...
Finance Experts Reveal: What The UK Budget Means For You (Andrew Craig & Brian Byrnes)
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
🔗 https://www.trading212.com/join/MGP
If you don't receive the free frac...
Multi-Millionaire Reveals: Why Financial Freedom Isn’t About Money (Jason Graystone)
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
🔗 https://www.trading212.com/join/MGP
If you don't receive the free fraction...
Warning: Cash ISA Changes Will NOT Boost UK Investment (Rajan Lakhani - Plum)
Are the Government about to get this all wrong?
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Check out Plum https://upthegains.co.uk/visit-plum-partner/
(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 r...
The Truth About Why Young People Feel So Lost (Bianca Errigo)
This is why workplace stress is affecting more than just your health.
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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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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 r...
Why The UK Housing Market Will Explode In 2026 - (James Gerrard)
Society is splitting in two - which side you're on will determine your financial future.
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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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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 vani...
How To Make £500+ Before Christmas Day
These are easy ways to pay for your Christmas shopping and expenses.
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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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Other cashback providers mentioned:
TopCashback 👉🏼 https://www.topcashback.co.uk/ref/sammieellardking
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Take My Money Personality Quiz (Get A Free Action Plan) 👉🏼 https://upthegains.co.uk/quiz
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👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 wh...
Dating App CEO Reveals: Why Finding Love Has Never Been So Expensive (Jamie Johnston)
Is there a hidden tax to being single?
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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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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 facin...
Money Moments 25 - The Hidden Tax Increase No One Is Talking About (Charlotte Baroukh)
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.
Tune into the full episode ⤵️
YouTube: https://youtu.be/6NgwGZ2Lq3k?si=72qf90AhgJDLH9JR
Apple Podcasts: https://podcasts.apple.com/gb/podcast/accountant-exposes-why-the-uk-tax-system-stops-you/id1670382337?i=1000706623864
Spotify: https://open.spotify.com/episode/3hogyEtacEFf5bUnyNjCte?si=1pXd_nqSTE2VFT08LHjNtw
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Gains App is LIVE!
An AI-po...
