Why Most People Are Terrible With Money (And How to Fix It)- Sammie Ellard- King

This week on The Gavin Sisters Wellness Show, Sharon and I are talking about something that honestly makes both of us feel slightly anxious… money.

Finance has always felt a bit overwhelming (and if I'm honest, a bit boring) but it's also something that affects every part of our wellbeing — our stress levels, our sleep, our relationships and how free we feel in our lives.

Before we dive into the conversation, we start with our usual weekly catch-up. This includes my irritation with wellness buzzwords like mindful eating, Sharon's slightly terrifying medical results appointment (thankfully she's absolutely fine), and a reminder that life is never quite as calm and balanced as the wellness world sometimes suggests.

Then we're joined by Sammie Ellard-King, founder of Up The Gains, and the conversation becomes really fascinating.

Sammie shares how he found himself around £24,000 in debt after university, how trying to keep up appearances in London made things spiral, and the moment he realised something had to change.

What I loved about this conversation is that Sammy doesn't talk about money in a complicated or intimidating way. Instead, he breaks it down into simple habits, mindset shifts and small actions that anyone can take.

We talk about how our childhood and family experiences shape our relationship with money, why so many people feel ashamed or avoid looking at their finances, and how even saving small amounts can completely change your confidence over time.

By the end of the episode I actually felt… dare I say it… inspired about finance.

In this episode we talk about:

• Why money can feel stressful, overwhelming and taboo

• Sammy's journey from £24k of debt to financial stability

• How family patterns shape our money habits

• The emotional side of spending and wanting to "fit in"

• Why traditional budgeting doesn't work for most people

• The idea of automating your finances to remove stress

• Side hustles and creative ways to increase income

• The psychology behind impulse spending

• Money mindset, abundance and believing things can change

My biggest takeaway

You don't need to become a financial expert to improve your relationship with money.

Small steps, small habits and a bit of awareness can go a really long way.

And perhaps most importantly, money stress is something almost everyone experiences, so there's absolutely no shame in learning about it.

About our guest

Sammie Ellard-King is the founder of Up The Gains, a platform designed to simplify finance and help people feel more confident managing their money.

After getting himself out of debt in his twenties, Sammy began sharing what he'd learned in a way that felt simple, practical and accessible. He now runs a large online community helping people understand finance without the jargon.

You can find Sammy here: https://upthegains.co.uk/
Instagram: https://www.instagram.com/upthegainsmoney/

This episode is sponsored by…

Us! The Gavin Sisters.

We've created our very first product Funki Coffee, a triple certified organic arabica coffee boosted with adaptogens designed to support energy without the crash.

You can get 10% off at use the code podcast
GavinSisters.co.uk

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