The Money Gains Podcast

EPISODE 200 of the Money Gains Podcast!! Thank you to every single one of you who watches, listens and shares. We couldn't do it without you.In this episode we're joined by Ryan King from Making Money Simple and Charlie Friend to talk about what you actually do when the stock market crashes.Over $2.5 trillion got wiped off the market in a day, Nvidia lost around $450 billion and everyone online was panicking. So we asked the people who invest for a living what they did with their own money, and the answers might surprise you. Then it's straight into Anthropic's huge IPO, the Bank of England rate rise and what it means for your mortgage, GTA 6, Black Friday, Guess The Number and Agree To Disagree.Charlie's Links 🔗Instagram, YouTube & TikTok: @charliefriend Ryan's Links 🔗Instagram, YouTube & TikTok: @makingmoneysimpleRyan's book: Stop Waiting, Start Investing✅ What all three of us did when our portfolios dropped (and how much we were down)✅ Why a market dip might be the best thing that happens to a long-term investor✅ Should you overpay your mortgage or invest when rates are this high?✅ The alleged spy scandal that knocked Nvidia's share price✅ Is lending money to your mates ever a good idea?Chapters0:00 What we did in the crash6:05 Anthropic's trillion-dollar IPO12:03 Nvidia CEO's alleged spy scandal15:52 Trading 21216:36 Rate rise and your mortgage21:53 Overpay your mortgage or invest?26:05 GTA 6 pre-order madness33:05 Is Black Friday a con?36:44 Guess The Number41:27 Gains App42:35 Agree To Disagree54:14 Should you lend mates money?This episode is sponsored by Trading 212. Get a free fractional share worth up to £100 when you deposit £1 using the promo code MGP. Capital at risk. T&Cs & ISA Rules Apply.Track your spending, build your savings and earn cashback with the Gains App: gainsapp.comFollow the Money Gains PodcastInstagram: @moneygainspodTikTok: Money Gains PodFacebook: Money Gains PodDisclaimer: This podcast is for educational and entertainment purposes only and is not financial or UK tax advice. When you invest, your capital is at risk and you may get back less than you put in. Past performance is not a guarantee of future returns. Always do your own research. Some links above are affiliate or sponsored links, and we may earn a commission at no extra cost to 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

This episode is sponsored by Octopus Legacy.👉🏼 Write or update your will for FREE until 31st October with Octopus Legacy🔗 https://will.octopuslegacy.com/moneygainsCharities 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.👉🏼 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 is LIVE!An AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.com/Five financial advisers. Hundreds of clients earning great money and still feeling skint. And every single one of them says the same thing: your salary isn’t the problem.In this episode of the Money Gains Podcast I’ve pulled together the best bits from five of my favourite conversations with Jason Butler, Andy Hart, Emmanuel Asuquo, Holly Guscott and Pete Matthew, to work out why so many of us are broke on a good salary and what to actually do about it.✅ Why someone on £150k can still feel hard done by, and the line I can’t shake: “wealthy people ask how much, poor people ask how much a month” (Jason Butler)✅ Why a pay rise is usually terrible news for your financial plan, unless you do this one thing (Andy Hart)✅ The system that’s quietly built to take your money, and the 48-hour rule that stops most impulse buys (Emmanuel Asuquo)✅ The couple on £140k who chose holidays with the kids over retiring at 55, and why that’s fine (Holly Guscott)✅ “What’s the point in saving if I get hit by a bus tomorrow?” answered✅ My £400 a month “anti-budget”✅ Why you might not need a financial adviser yet, and the most dangerous money advice out there (Pete Matthew)Watch the full episodes 👇Jason Butler: I Advised 2,500 Millionaires: The REAL Reason You’re Not Rich! 👉 https://www.youtube.com/watch?v=pp4aabuRGeYAndy Hart: The REAL Reason You’re Not Rich Yet! 👉 https://www.youtube.com/watch?v=ie01ppyybWUEmmanuel Asuquo: Why You’re Broke (Even On A Good Salary) 👉 https://www.youtube.com/watch?v=TCkVhowbg3oHolly Guscott: What’s ACTUALLY Making People Rich In The UK 👉https://www.youtube.com/watch?v=EjKWPnUwKtMPete Matthew: Why You Don’t ACTUALLY Need A Financial Adviser 👉 https://www.youtube.com/watch?v=X7hv5EPAIkw&tChapters0:00 Why you’re broke on a good salary0:34 Jason Butler: it’s not what you earn, it’s what you keep9:07 Andy Hart: why a pay rise is bad news for your plan14:43 Other people’s money: why retirement feels different19:01 Emmanuel Asuquo: the system built to take your money25:01 Give your money an induction28:26 Holly Guscott: is it too late to start in your 40s?32:52 “What’s the point? I could get hit by a bus”36:14 The anti-budget40:09 Pete Matthew: why you might not need a financial adviser47:58 The most dangerous money advice50:27 The one thing to do after this episodeDISCLAIMER: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.Octopus Legacy Limited is authorised and regulated by the Financial Conduct Authority (FRN 955266).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

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.-------This episode is sponsored by Octopus Legacy.👉🏼 Write or update your will for FREE until 31st October with Octopus Legacy🔗 https://will.octopuslegacy.com/moneygainsCharities 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.---------👉🏼 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 is LIVE!An AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.com/----------We take the week's money news, the internet's worst money moments and a few hot takes, and turn them into rounds: The Big 3, Guess The Number, Agree to Disagree, Hall of Shame and a Quick-fire finale. Expect rip-offs, a few arguments and a lot of laughing.✅ The £73,645 ringside seat for Fury v Joshua, and whether anyone actually paid it✅ Why I think airport drop-off charges are the biggest scam going✅ Netflix putting its cheapest plan up from £5.99 to £7.99, and paying for a subscription that still shows you ads✅ Guess The Number: Steven Bartlett's $52m, Harry Styles' £24.7m tax bill and a £408 Glastonbury ticket✅ Is legal tax avoidance actually wrong? The lads don't agree✅ A £20k wedding or a house deposit, and is investing £10 a month pointless?✅ The bride who invoiced her friend £1,790 after a Bali weddingChapters0:00 Sammie's New York trainer haul2:28 Welcome to the show2:48 Round 1: The Big 3 (Bumble sold for $1.3bn)5:51 Arsenal job cuts8:05 The airport drop-off scam10:28 Fury v Joshua: a £73k ringside seat14:00 Tom Cruise's Digger flop16:05 Netflix and the subscription creep18:26 Round 2: Guess The Number18:44 Steven Bartlett's $52m21:00 Harry Styles' tax bill22:03 Why the rich leave, VAT and the £100k trap31:17 Starbucks' car park takeover32:36 Glastonbury at £40834:43 Round 3: Agree to Disagree35:40 Is legal tax avoidance wrong?41:32 £20k wedding or a house deposit?46:53 Is investing £10 a month pointless?52:40 Round 4: Hall of Shame53:02 The Bali wedding invoice57:20 Splitting the bill1:00:53 Round 5: Quick-fire1:03:49 Wrap-up------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.Octopus Legacy Limited is authorised and regulated by the Financial Conduct Authority (FRN 955266).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

This episode is sponsored by Octopus Legacy.👉🏼 Write or update your will for FREE until 31st October with Octopus Legacy🔗 https://will.octopuslegacy.com/moneygainsCharities 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.---------👉🏼 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 is LIVE!An AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.com/----------In this episode of the Money Gains Podcast we welcome Sam Grice... Founder and CEO of Octopus Legacy... to the show.After losing his mum suddenly at 27, Sam found himself buried in the admin, decisions and family fallout that come after a death. Now he helps people sort it before it's needed.We get into what really happens to your money and your home if you die without a will, why so many families end up falling out, and Sam walks me through writing my own will live on the show.✅ Why my partner of nearly 10 years would get nothing if I died without a will, and why my share of our home would go to my parents instead✅ What the law actually decides if you die without a will, including the £322,000 rule for married couples✅ Why getting married cancels your will, and what divorce does to it✅ Why Martin Lewis says power of attorney is arguably more important than a will✅ How to choose an executor, why you don't have to do it if you're asked, and why leaving everything to an 18-year-old can backfire✅ How leaving 10% to charity can cut the inheritance tax rate on your estate------DISCLAIMER:This episode is meant for educational purposes and should not be considered financial, legal or tax advice. The rules discussed apply to England and Wales and may differ in Scotland and Northern Ireland. Always do your own research or speak to a professional about your own situation.Octopus Legacy Limited is authorised and regulated by the Financial Conduct Authority (FRN 955266).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

👉🏼 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 is LIVE!An AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.com/----------In this episode of the Money Gains Podcast we welcome back Brian Byrnes... Head of Personal Finance at Moneybox... to the show.Brian, who works with the UK's largest community of first-time buyers, gets into whether you can still buy a house in 2026, why the goalposts keep moving on savers, what's really happening to the Lifetime ISA, and the ISA changes happening next April.Brian's Links 🔗Moneybox: https://www.moneyboxapp.com/When you invest, your capital is at risk.✅ Why it's still possible to buy a house in 2026 without rich parents, and why one Moneybox saver gets the keys every 10 minutes (most earning under £40k)✅ The "moving goalposts" problem that leaves disciplined savers 9 months and £3,500 short at the finish line, and how to plan for it✅ What's happening to the Lifetime ISA, what the new First Time Buyer ISA means, and whether you should still open one✅ The ISA changes coming in April 2027, including the new charge on cash held in a Stocks & Shares ISA✅ Why people who feel confident with money end up £86,000 better off, and the 30-minutes-a-week habit behind it------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

👉🏼 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 is LIVE!An AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.com/----------In this episode of the Money Gains Podcast we welcome Sophia Jarvis... "Wealth Manager of the Year" turned founder of Mia Wealth... to the show.Sophia, a Chartered Financial Analyst who spent 15+ years managing family wealth, gets into why 90% of UK kids have no investments to their name, the accounts nobody tells you about, and how a tiny amount each month could set your child up to be a millionaire, buy their first home, and never feel the money panic the rest of us grew up with.Sophia's Links 🔗Are you a parent who wants to start investing for your child, or a gifter who wants to buy investments instead of more stuff?For more information visit https://miawealth.co.uk/When you invest your child’s capital is at risk. Tax treatment is subject to individual circumstances and is subject to change. Money held in a Junior ISA is normally only accessible by the child once they turn 18 and a private pension can currently be accessed at 55.✅ Why 90% of UK kids have no investments, and the account less than 1% children have but that could make your child a millionaire✅ The Junior Pension almost no one talks about and the 25% government bonus you get on all contributions into it✅ How her own dad turned a £120 contribution each month into £70,000 by her 18th birthday, and what it taught her about compounding✅ Why we're drowning in plastic toys (the average 10-year-old owns 238 and plays with 12), and how to redirect gift money into their future✅ Junior ISA vs Junior Pension vs Premium Bonds, which to actually use, and the first step to take today------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

👉🏼 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 is LIVE!An AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.com/----------In this episode of the Money Gains Podcast we welcome Ian Dempsey... "The Moneyman"... to the show.Ian, a straight-talking independent financial adviser, gets brutally honest about being secretly in debt while advising others for a living, the simple system that dug him out, and why he now refuses to play the "grey suit brigade" game the rest of the industry does.Ian's Links 🔗LinkedIn - https://www.linkedin.com/in/ian-dempseyInstagram - https://www.instagram.com/idthemoneyman✅ Why even a financial adviser ended up secretly broke and in debt, and the simple system that got him out✅ How "giving your money a job" with pots and the brown-envelope method quietly kills overspending✅ Why the industry gatekeeps advice behind paywalls, and why most people don't actually need to pay for it✅ How contactless, apps and clever design are engineered to make you overspend without ever feeling it✅ What actually separates a good financial adviser from a bad one, and the red flag to walk away from------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

👉🏼 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 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----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

👉🏼 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 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---------In this episode of the Money Gains Podcast we welcome Emmanuel Asuquo... "The Wealth Coach"... to the show.Emmanuel, a financial adviser who grew up on a council estate and has since advised everyone from families on the breadline to millionaires, unpacks why being broke has far more to do with behaviour than income, why we tie our self-worth to what we can buy, and the mindset shifts that actually build wealth from nothing.Eman's Links 🔗Website - https://emmanuelasuquo.comInstagram - https://www.instagram.com/theemaneffectuk✅ Why you can earn a good salary and still feel broke, and the real reason it's got nothing to do with your income✅ Why tying your self-worth to what you can buy quietly keeps you poor, and how to break the cycle✅ How to start building real wealth when you've had no head start, no inheritance and no role model✅ What the genuinely wealthy do differently day to day, because it's behaviour, not salary✅ The money conversation every couple avoids, and why it wrecks more than people admit---------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

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. ---------👉🏼 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 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---------✅ Why de-risking your pension automatically as retirement nears could actually hurt you, and what to do instead ✅ How the "cash flow ladder" protects your retirement pot from crashing markets at the worst possible moment ✅ Why chasing a round number like £1 million is the wrong goal, and how to work out what your life actually costs ✅ How most financial advice fails because it ignores the psychology and behaviour behind people's money decisions ✅ Why the biggest life transitions are when you should actually seek financial advice---------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