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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(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*

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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.

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* 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.
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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.com/

---------

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