Sarah Poynton-Ryan: From £60K Debt to Financial Freedom (The Truth About Banks, Spending & Your "F*ck You" Number).

No Bollocks with Matt Haycox

At 27, Sarah Poynton-Ryan found herself drowning in £60,000 of debt, credit cards, loans, bad decisions, and no financial education to fall back on. Fast forward a few years, and she’s built a property empire, authored a bestselling book, and now educates thousands on the real mechanics of money.

In this episode, Matt and Sarah go deep into the truth about financial freedom: the shame of debt, why schools never taught you about money, how to know whether to invest or clear debt first, and what a "F*ck You" number really is.

This isn’t about Lambos and crypto wins. It’s about everyday people taking control, whether you’re in your 20s or your 60s.

• How she cleared £60K in 23 months.
• Why you should never trust your bank to teach you about money.
• What to do with £10, £100 or £1,000 per month.
• When going bankrupt might be the right call, and when it definitely isn't.
• Teaching kids and teens about compound interest.
• Why your spending habits, not your salary, are sabotaging you.

Whether you're just starting out or starting over, this one could change your entire financial trajectory.

👉 Get Sarah’s book ‘Money Mechanics’ on Amazon
👉 Follow her: @iamsarahpoynton
🎙️ Subscribe to No Bollocks with Matt Haycox

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▶ Website: https://matt-haycox.com/podcasts/
I’m Matt Haycox, entrepreneur, investor, mentor, and your go-to guy for no-bollocks advice on business and personal growth.

With over 25 years of experience building and funding businesses across industries, I’ve faced it all wins, losses, and the ultimate comeback story. Through my podcasts, No Bollocks with Matt Haycox and Stripping Off with Matt Haycox, I cut through the bullshit to bring you real, actionable strategies and raw conversations with entrepreneurs, celebrities, and industry leaders.

Whether you’re looking to scale your business, secure funding, or avoid the mistakes I’ve learned the hard way, my goal is simple: to help YOU create YOUR success story.

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Chapters

1. From Debt to Financial Freedom (00:00:00)

2. Understanding Money Management (00:05:33)

3. Debt Strategies: To Clear or Not to Clear? (00:10:09)

4. Investing vs. Paying Off Debt (00:15:46)

5. The Importance of Diversification (00:19:44)

6. Teaching Financial Literacy to the Next Generation (00:24:03)

7. Finding Your Financial Freedom Number (00:29:04)

8. It's Never Too Late to Start Investing (00:31:26)