The Money Gains Podcast

Jason Butler joins us today to discuss how having been a Wealth Manager to thousands of millionaires - what is the reason you're not rich yet! 
---------
👉🏼 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*

---------
🚨 REFUND CLUB 🚨
You could be due a £829 car finance refund!

Check for FREE if you are due a refund in 60 seconds at: 👉 https://refundclub.co.uk/moneygains
-----

Gains App is now LIVE!

It's an AI-powered budgeting and cash back app designed to help you make more of your money.

Download for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z

CHAPTERS
0:00 What financial wellbeing means
2:23 Does money buy happiness?
9:58 £60k in debt at 24
12:40 Ditch your credit card
15:40 Trading 212 AD
19:57 The 24-hour spending rule
25:40 Refund Club AD
32:34 Get rich slowly
37:06 What do you actually want?
37:54 Gains App AD
49:02 Can you afford your job?
57:28 Building a business

---------
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.

REFUND CLUB DISCLAMER
*Refund Club is a trading style of Sandsford Law LTD. You can pursue
a claim free of charge directly to your lender and then to the Financial
Ombudsman Service. The FCA is likely introducing a free to use
Consumer Redress Scheme; it estimates the average redress per
agreement will be £829.
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

Gains App is now LIVE!

Download here in App Store & Google Play 👉  https://gainsapp.onelink.me/8IhT/oiaimr1z
Any issues or questions you can reach out via [email protected]
-----
DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice.
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

Jay Lawrence is a Wealth Manager at Rathbones who look after £110 Billion for their clients. He joins us to discuss why buying a house is the worst money move in 2026 plus what he thinks is the better one to make for most people.

---------
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 now LIVE!

It's an AI-powered budgeting and cashback app designed to help you make more of your money.

Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z

---------
Resources

Why the Golden Age of property is over 👉🏼 https://www.schroders.com/en-gb/uk/intermediary/insights/why-cash-is-riskier-than-stock-market-investing/

Chapters 

00:00 - The Property Ladder Is Dead
04:08 - Renting vs Buying: Do The Maths
11:47 - The UK's £1.5 Trillion Mistake
14:53 - ISA Millionaires Don't Use Cash ISAs
17:15 - State School To Rathbones
25:29 - Why £300 Beats £400
29:51 - The "Doing Everything Right" Trap
40:08 - Your First Move
43:59 - The Gateway Drug
46:44 - He Locked His Mum Out
51:10 - Why Crashes Are A Gift

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 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!

---------
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 now LIVE!

It's an AI-powered budgeting and cashback app designed to help you make more of your money.

Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z

---------
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.

--------
Download Gains App here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z
£175 First Direct Current Account Switch 👉🏼 https://www.firstdirect.com/banking/current-account/

* 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.
------
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