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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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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£175 First Direct Current Account Switch 👉🏼 https://www.firstdirect.com/banking/current-account/

* Monzo (Get up to £100) 👉🏼 https://join.monzo.com/c/w3csv9fs

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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.
------
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*

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---------

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*

---------

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---------
Emmelia's Links

https://www.instagram.com/emmelia_pws/

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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 Okofoafor 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.com/

---------
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.com/
---------

✅ 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!

---------

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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*

---------

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/

---------

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.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