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The Money Gains Podcast

The Money Gains Podcast

By: The Money Gains Podcast
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About this listen

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.

© 2026 The Money Gains Podcast
Economics Personal Finance
Episodes
  • I Built A £180,000 Investment Portfolio In 8 Years (And You Can Too!) - Ryan King
    Mar 25 2026

    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 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/

    ---------

    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

    Show More Show Less
    1 hr and 4 mins
  • 11 Habits To Become DISGUSTINGLY Financially Literate (And Rich!)
    Mar 18 2026

    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/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

    Show More Show Less
    35 mins
  • Why Saving £10,000 Changes EVERYTHING
    Mar 12 2026

    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/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

    Show More Show Less
    27 mins
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A great down to earth approach to investing, creating goals and building wealth. Sammi breaks down financial jargon and offers practical advice to building your money pot. A variety of guests join the podcast weekly offering advice and experience od investing and money matters.

A practical approach to building wealth and understanding investing.

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