The Money Gains Podcast

Rajan Lakhani, Head of PR & Comms at Plum, shares insights on how proposed Cash ISA reforms may fail to enhance UK investment. He discusses the psychological barriers preventing people from saving and how Plum’s automation addresses this. Rajan emphasizes the importance of small wins and gamification in building sustainable saving habits. He critiques the cultural aversion to investing outside pensions, revealing that many Brits keep idle cash rather than investing. Ultimately, he argues for better incentives and education over simple ISA changes.

Bianca Errigo, founder of HumanOS and a workplace wellbeing coach, discusses how chronic stress creates financial leaks and impacts sleep and performance. She highlights that under-30s face significant financial anxiety due to economic pressures and stresses the importance of resilience, which is notably lower in this age group. Bianca also emphasizes that modern employees value psychological safety and meaningful work over perks. She advocates for daily practices to build resilience, such as small habits and intentional morning routines.

James Gerrard, a savvy property investor and speaker, shares insights on the UK real estate landscape. He discusses the alarming squeeze on the middle class due to rising asset prices and corporate wealth extraction. James unveils his TIDED framework, revealing how technology and demographics shape wealth. He emphasizes that family homes should be seen as lifestyle choices, not investments, and advises on affordable housing opportunities. With a focus on tracking institutional investment, he highlights the potential in low- and medium-income properties.

Discover creative ways to make some extra cash before the holidays! Learn how selling unwanted items can net you £50–£200. Bank switching bonuses also offer quick wins if you know where to look. Dive into cashback and gift-card tips to potentially get back £100–£200 on Christmas expenses. Explore easy online side hustles like surveys that could bring in an extra £50–£150 monthly. Plus, find out how auditing subscriptions can save you £30–£100. Combined, these strategies can help you reach your £500 goal!

Is being single secretly ruining your finances? It turns out the average London date costs a staggering £260! Discover how social media and inflation have transformed dating economics, making single living approximately £10,000 more expensive each year. The conversation dives into the impact of dating apps on our expectations and mental health, and why financial talks in relationships can be tackled without shame. Plus, explore innovative ways to use the right dating app subscription to enhance your love life while being financially savvy.

Charlotte Baroukh, an accountant and personal finance expert, dives into crucial tax topics that everyone should know. She clears up misconceptions about payslips and explains the shock of the hidden 60% tax trap, revealing the real workings of progressive tax rates. Charlotte highlights financial education gaps and emphasizes understanding payslips and tax codes. She discusses how pension contributions and salary sacrifice can lower taxable income while also tackling fiscal drag's impact on taxpayers due to frozen thresholds.

Rich, a finance veteran with over twenty years of experience from Credit Suisse, delves into warning signs of a possible market crash. He discusses the implications of record-highs across assets and the danger of market concentration in the S&P 500. Rich emphasizes the importance of a cash position as a strategic choice, reviews the rise of safe-haven investments like gold and Bitcoin, and shares his insights on recognizing volatile market moments. He advises beginners on evaluating overvaluations and highlights opportunities in overlooked markets like Japan and India.

Bekah Donovan, a financial relationship coach, dives into why money conversations are crucial in dating. She emphasizes the importance of discussing financial compatibility early to avoid relationship pitfalls. Bekah shares tips on broaching money topics without scaring off potential partners, and highlights how income reflects deeper values. She also suggests practical questions to uncover habits and advises on handling saver vs. spender differences with curiosity. Tune in to explore how childhood experiences shape financial behaviors in relationships.

Andrew Craig, an economist and author, discusses the impact of National Insurance changes on unemployment. Grace Blakeley, a political commentator, emphasizes the need for wealth taxation and accountability in government spending. Joe Bryan explains how money printing exacerbates wealth inequality by inflating asset prices instead of wages. The conversation also highlights the importance of supporting local businesses to keep wealth circulating within the UK economy, and the potential benefits of investing in small companies through innovative proposals.

What's the point of building wealth if you're too burnt out to enjoy it?In this week's Money Moments we're back with Wim Hof Instructor Dan Hughes from Vitae VI to talk about a simple change you can make to reduce stress, improve your decision-making and set yourself on the right path for long-term success. Tune into the full episode ⤵️YouTube: https://yt.openinapp.co/1q3szApple Podcasts: https://podcasts.apple.com/gb/podcast/without-this-your-money-wont-matter-how-to-avoid-burnout/id1670382337?i=1000698837832Spotify: https://open.spotify.com/episode/257tjfueM56yVCDOkJvVe0?si=U303ASz9Rdau2gaYle8sNg---------Take the FREE Money Personality Quiz 👉 https://upthegains.co.uk/quiz---------👉🏼 Get a FREE FRACTIONAL SHARE worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional share - head to the menu and put the word 'MGP' into the promo code section.(Capital at risk when you invest)---------👉🏼 We're delighted to welcome TIDE as a sponsor for the show.OFFER - Get £100 Cashback when you deposit £5,000 within 30 days (T&C's Apply)🔗 https://www.tide.co/offers/gains/---------DISCLAIMER:This episode 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 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