The Money Gains Podcast

Ryan King, chartered accountant turned personal finance creator and author of Stop Waiting Start Investing, explains how he built a sizable portfolio using simple global index fund strategies. He covers pensions consolidation, switching default workplace funds, why global funds matter, core-satellite approaches, and practical starting steps for beginners.

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 launches in a couple of weeks time.It's an AI-powered budgeting and cashback app designed to help you make more of your money.Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year.Join the waitlist HERE 👉 https://gainsapp.com/---------👉🏼 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*---------Chapters 0:00 Intro1:45 Habit 1: Treat Your Money Like a Business2:52 Habit 2: Know Your Numbers7:23 Habit 3: Watch Out For Lifestyle Inflation9:32 Habit 4: Build Systems Not Willpower15:44 Habit 5: Learn In Blocks Not Binges16:24 Habit 6: Prioritise Investing Over Saving18:15 Habit 7: Increase Your Earning Potential20:58 Habit 8: Spring Clean Your Finances23:24 Habit 9: Use Debt As A Tool Not A Crutch25:31 Habit 10: Get Cashback On Everything28:14 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 insteadDISCLAIMER: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

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 launches in a few weeks.It's an AI-powered budgeting and cashback app designed to help you make more of your money.Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year.Join the waitlist HERE 👉 https://gainsapp.com/---------👉🏼 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*---------Chapters 0:00 Introduction1:35 The Psychology Behind Saving £10,0004:07 What Happens When You Don't Have It7:00 How To Actually Save £10,00018:00 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 themDISCLAIMER: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

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/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 launches in a few weeks.It's an AI-powered budgeting and cashback app designed to help you make more of your money.Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year.Join here 👉 https://gainsapp.com/---------Follow Oliver 👉🏼 https://www.instagram.com/mrolivercooksonGet his latest book 👉🏼 https://amzn.to/4st7RaaVerve Supplements 👉🏼 https://vavaverve.com/Support Crookson First Aid 👉🏼 https://cooksonfirstaid.org/Chapters 0:00 Introduction0:28 Growing Up With No Money in Manchester2:13 1 GCSE & Leaving School at 162:42 Day One: A £500 Overdraft & A Bedroom4:54 The Protein Margin That Changed Everything5:14 Building The First Online Protein Brand8:14 Working 9-5 While Secretly Building an Empire17:06 Does Having Millions Actually Change You?19:33 The Hut Group Sale & The Fraud That Followed22:37 What He's Building Now: Verve & His AI App29:57 Training 30,000 People to Save Lives37:53 The Dark Side of Being a Solo Founder39:40 "Be Reasonably Unreasonable" (His Daily Framework)45:05 He Speaks to AI More Than His Wife48:13 50% of Jobs Will Be Gone in 18 Months50:01 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 yearsDISCLAIMER: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/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist

Clear steps for beginners on building an emergency fund and where to hold investments like a Stocks & Shares ISA. Simple explanations of index funds, global ETFs, and why passive investing beats most active managers. A breakdown of compounding, why starting early matters, and practical ways to begin with modest monthly contributions.

Tom McNally, founder of Pie Tax and former corporate tax professional, explains how the UK tax system can consume up to 80% of your money. He discusses hidden reclaimable tax refunds, why planning for tax matters, property as a core investment, and practical steps like side hustles and tax-smart tools to protect your wealth.

A candid reality check on why social media makes everyone look richer than they are. Psychology of comparison and how algorithms and lifestyle creep fuel insecurity. A clear contrast showing how identical salaries can end in vastly different wealth. Practical, small moves to stop financing a fake lifestyle and start owning your financial future.

Ollie Gardner, founder of Rethink Repayment campaigning for UK student loan reform. He explores why balances rise despite payments. Short takes cover Plan 2 rules, interest mechanics that can outpace repayments, the £66k break-even point, emigration to escape debt, and policy fixes like capping interest and changing thresholds.

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.--------👉🏼 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)---------Gains App launches in a few weeks.It's an AI-powered budgeting and cashback app designed to help you make more of your money.Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year.Join here 👉 https://gainsapp.com/---------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 itThis 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. 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

How to turn yourself into a wealth-generating machine.---------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. ---------👉🏼 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)---------Gains App launches in a few weeks.It's an AI-powered budgeting and cashback app designed to help you make more of your money.Every single person who joins the Gains app waitlist has a chance to win their shopping paid for an entire year.Join here 👉 https://gainsapp.com/---------✅ 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---------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/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist