The Money Gains Podcast

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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/

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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

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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

👉🏼 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 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/quiz

Get 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/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 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?

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/

Talking Points:

✅ 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/quiz

Get 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/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 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-dempsey
Instagram - 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/quiz

Get 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/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 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/quiz

Get 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/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 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.com
Instagram - 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
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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

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. 

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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 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

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✅ 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

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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

👉🏼 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 is the UKs first budgeting and cashback app that helps you track your spending and save more!

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

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This week we welcome back Andrew Craig to the show to discuss why passive investing into index funds could actually be more dangerous than we might think.

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

👉🏼 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 is the UKs first budgeting and cashback app that helps you track your spending and save more!

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

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CHAPTERS
0:00   Intro
2:10   Why £100 Matters
5:10   Compounding & The Real Numbers
9:51   What To Sort Before You Invest
15:44  How The Stock Market Works
22:18  A Stocks & Shares ISA (Fast vs Slow Pounds)
26:47  Stocks, Funds, ETFs & Indexes
31:15  The Strategy
35:20  Consistency

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

Michael Taylor joins me today to discuss the growing issue of big corporations tax avoidance in the UK and the £47 billion in lost taxes.
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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)
*Commission-free investing: Other fees may apply. See terms and fees*

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🚨 REFUND CLUB 🚨

Check for FREE if you are due a refund in 60 seconds at: 👉 https://refundclub.co.uk/moneygains
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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   Michael's back
0:18   Starbucks pays zero tax
3:30   How they legally do it
11:31  Britain's £47bn tax gap
12:08  AD: Trading 212 
13:05  The wealth tax is the wrong fight
16:38  The high street is dying
21:57  AD: Refund Club
23:43  UK stocks vs US stocks
31:01  AD: Gains App 
30:05  How to actually pick UK stocks 
41:23  Shorting & raising money
45:57  Trading life, trolls & wrap-up

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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.

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