In this episode of The Finance Han Podcast, I’m joined by Sammie Ellard-King and we’re talking about the financial truth bomb nobody wants to hear: most people won’t ever be able to afford to stop working. Brutal, but fixable.

Sammie Ellard-King is a legend in the personal finance space. He's 220k+ followers deep, host of The Money Gains Podcast, and British Banking Awards’ Content Creator of the Year — safe to say, he knows what he's on about.

We break down why saving alone won’t cut it, how to actually prep for retirement without killing your vibe, and the mindset shifts you need now, not later.

Whether you’re spending like it's Hot Girl Summer, or just trying to survive until payday, this episode is your reminder: Hot Girl Retirement is a vibe too, and future you will seriously thank you.

Here’s What We Cover:

• The harsh reality of the average UK retirement pot (spoiler: it’s terrifying).
• Why saving money alone won’t set you (financially) free and what you should be doing instead.
• How to stop working for forever and ever and ever (without needing a six-figure salary).
• The mindset shifts that can change your whole financial future.
• How to balance living your life now while still taking care of future you.
• Why investing isn’t as complicated or as scary as it’s made out to be.

Where To Find Sammie:

💻 Up The Gains Website

🎥 YouTube

📸 Instagram

🎙️ The Money Gains Podcast (Spotify)

🎙️ The Money Gains Podcast (Apple Podcasts)

☕️ Help The Podcast & Buy Me A Coffee

📸 Instagram

⏰ TikTok

📧 Email: thefinancehan@gmail.com