Money mindset is the bit nobody teaches you in school, but it decides more of your financial life than any spreadsheet. How you were raised to think about money, the beliefs you inherited without realising, the identity you’ve built around being “bad with money” or “not a saver”: all of it shapes your decisions long before logic gets a say. You can know the theory inside out and still make the same mistakes on repeat, because knowledge was never the thing holding you back.
These five episodes of the Money Gains Podcast dig into that psychology directly. You’ll hear from a financial adviser who works with athletes on the wealth traps that catch even high earners, a hypnotherapist who explains why willpower alone never fixes your spending, a mindset coach breaking down the “money personality” that quietly runs your bank account, and a mentor on why self-worth sets the ceiling on what you’ll let yourself earn or keep.
If you’ve ever known exactly what you should do with your money and done the opposite anyway, these are the episodes that explain why, and what actually shifts it. None of them ask you to open another spreadsheet. They ask you to look at where your beliefs about money actually came from, so you can finally do something about them.
Emmelia Powell: Why 40% of Footballers Go Bankrupt After They Retire
Emmelia Powell is a financial adviser who works with athletes and business owners, and this episode is a masterclass in what happens when sudden wealth arrives without the “messy middle” most of us go through first. Footballers can go from nothing to millions almost overnight, skipping the years of learning, mistakes and budgeting that normally build financial maturity. Powell explains why over 40% end up bankrupt within years of retiring, and it’s rarely down to bad luck.
She breaks down her G.A.M.E. framework (Goals, Assets, Mindset, Endpoint) as a practical way to build wealth that actually lasts, whatever your income. Lifestyle inflation, poor support systems and a mindset built for spending rather than sustaining all get covered. You don’t need a footballer’s salary for the lessons here to land.
Adam Cox: Hypnotic Wealth and the Psychology of Money
Adam Cox is a self-made millionaire and hypnotherapist, and this episode goes further into the subconscious than most money podcasts dare to. His argument: the beliefs about money you formed as a child, often without ever noticing, drive your financial behaviour far more than any amount of knowledge or good intentions. That’s why so many people know what to do and still don’t do it.
Cox walks through how hypnotherapy can help rewire those unconscious patterns, and shares his three-bucket investment strategy for security, comfort and freedom. It’s a genuinely different angle on money mindset: less “budget better”, more “understand why you don’t”.
Catherine Cornwall: How Self-Worth Shapes the Way You Handle Money
Catherine Cornwall spent 20 years in asset management before becoming a money mentor, and this episode is about the link most of us never make: self-worth and financial behaviour. She explains how money tends to amplify whatever’s already there. If you don’t feel worthy of financial security, you’ll find ways to sabotage it, however much you earn.
The conversation covers the real distinction between being rich and being wealthy, why small daily habits do more heavy lifting than big one-off decisions, and how inner beliefs quietly set the ceiling on what you’ll let yourself achieve financially. A useful reset if you feel like you’re working hard but never getting ahead.
Bekah Donovan: Stop the Money Mindset Lies Holding You Back
Bekah Donovan is a mindset coach and trainee psychotherapist, and this episode names the problem a lot of us can’t quite put into words: you know what you should be doing with your money, and you’re still not doing it. Donovan explains why that gap exists, tracing it back to inherited beliefs about money that were never actually chosen, just absorbed.
She digs into the psychology of limiting beliefs and how they tie into identity: the stories we tell ourselves about being “not a numbers person” or “just bad with money” that end up becoming self-fulfilling. If you’ve tried every budgeting app going and still feel stuck, this episode explains why the fix probably isn’t another app.
Sarah Brill: Money Personality Types and Your Relationship With Money
Sarah Brill is a money mindset mentor with a bold claim: 80 to 90% of financial decisions come down to psychology, not maths. In this episode she introduces the sacred money archetypes framework, eight distinct personality types that shape how people save, spend and invest without ever really thinking about it.
Understanding which archetype you lean towards (whether that’s the saver who never spends, the innocent who avoids money conversations entirely, or something else) is the starting point for actually changing your habits. Brill makes the case that no budgeting system works long-term until it’s built around who you actually are with money, not who you think you should be.
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Disclaimer: Content on this page is for informational purposes and does not constitute financial advice. Always do your own research before making a financially related decision.
