The Money Gains Podcast

In this episode of the Money Gains Podcast, I explain why your income is rented, not owned and what to do about it. 

I dive into the research on why we spend to prove ourselves, the dopamine trap that keeps us stuck, and the "tend your forest" framework for building real wealth. If you've ever felt like you're working hard but getting nowhere financially, this one's for you.

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👉🏼 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)

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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/

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IN THIS EPISODE:
✅ Why your salary doesn't actually belong to you — and what to do about it
✅ The psychology behind why we buy things we can't afford
✅ Why 75% of luxury buyers earn less than $150K (the "aspirational" trap)
✅ The boring wealth-building strategy that actually works
✅ How to define your "enough" and stop chasing someone else's version of success
✅ 5 steps to stop renting your income and start owning it

This video is not financial advice. Always do your own research before making financial decisions. When you invest your capital is at risk. Past performance is not a future indicator.
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

How to turn yourself into a wealth-generating machine.
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In this episode of the Money Gains Podcast we welcome Timothy Armoo to the show. 
Timothy is the founder of FanBytes which he sold for an eight-figure sum before turning 30. We discussed the difference between your mental and physical environments, why successful entrepreneurs are far more unremarkable than you think and how to develop the courage to leave your existing tribe to pursue bigger goals. 
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👉🏼 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)
---------
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/
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✅ Why your physical environment matters less than your mental one
✅ How successful entrepreneurs simply failed their way forward 
✅ Why property investment is the worst way to build wealth in the UK
✅ How to develop a superiority mindset that makes you believe you're capable of more
✅ Why the fear isn't actually living after making a decision but rather the two-minute conversation required to make it in the first place
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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

The playbook to make 2026 your year. 

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In this episode of the Money Gains Podcast I'm breaking down a practical 12-week action plan covering everything from conducting a financial review to automating your money management. 
We talk about why personal finance is deeply personal and provide actionable steps for increasing income and capturing cashback opportunities that could save you over £1,000 a year.
This is the CHATGPT Prompt >> 
“Here are my last 3 months of bank transactions. Please analyse them and categorise every transaction into 3 categories:
Fixed expenses
Discretionary spending 
Debt payments
Then:
 – Calculate my average monthly spending in each category
 – Identify areas where I may be overspending compared to typical averages (e.g., transport, subscriptions, eating out)
- Highlight any merchants or transactions you’re not sure about so we can make a decision on these together
 – Estimate my potential savings rate (based on income vs spending) and explain it as if you are analysing a business’ profit vs loss”
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👉🏼 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)
---------
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/
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✅ Why reviewing three months of bank statements reveals the hidden spending leaks that keep you broke
✅ How the three-bank automation system removes willpower from money management 
✅ Why building an emergency fund before investing gives you the freedom to handle financial emergencies
✅ How the debt snowball method creates quick psychological wins
✅ Why asking for a pay rise has only three outcomes
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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. 

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

There's more to the Budget than the headlines. 
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In this episode of the Money Gains Podcast we welcome award-winning journalist and bestselling author Joe Mayes to the show. 
We discussed the intense pressures faced by the Chancellor, why there's so much uncertainty about economic policies and ran through some interactive scenarios from Joe's book, Can You Run the Economy?
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👉🏼 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)
---------
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 gets entered to win their shopping paid for an entire year.
Join here 👉 https://gainsapp.com/
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Can You Run The Economy? on Amazon https://amzn.eu/d/67ADU4l
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✅ Why Rachel Reeves raised taxes despite having a £4 billion surplus
✅ How the budget front-loads spending benefits whilst back-loading tax increases
✅ Why every chancellor faces impossible choices between bad and worse options
✅ How financial markets can force a chancellor from office immediately 
✅ Why learning to think like a chancellor makes you better with your own money
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DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. 

This video 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

They promised growth - did this Budget deliver?
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In this special UK Budget episode of the Money Gains Podcast we welcome best-selling author Andrew Craig and Brian Byrnes, Head of Personal Finance at Moneybox, back to the show. 
We discussed Rachel Reeves' latest Budget and the implications that tax changes will have on you, the economy and the country as a whole. 
---------
👉🏼 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)
---------
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 gets entered to win their shopping paid for an entire year.
Join here 👉 https://gainsapp.com/
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Andrew Craig & Plan English Finance https://www.youtube.com/@PlainEnglishFinance 
Moneybox https://www.moneyboxapp.com/
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✅ Why spending increases create an unsustainable deficit
✅ How fiscal drag will push more workers into higher-rate tax brackets by 2031 
✅ Why Australian retirees have 5-7 times more pension wealth than Brits
✅ How the UK stock market and entrepreneurship is suffering
✅ Why nothing changes immediately despite the headlines
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DISCLAIMER:
This video is meant for educational purposes and should not be considered financial advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. 

This video 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