Keep The Change
Keep The Change is here to crack open the black box of personal finance – because let’s be honest, most of us were never really taught how money works. We’re on a mission to make finance less confusing, more engaging, and actually useful for real life. Each episode, we'll break down the money questions that matter. -Smart, simple ways to make your money work harder -Conversations with experts who help real people every day -The human stories behind how we earn, spend, and save Whether you’re trying to make smarter money moves or just want to feel more in control of your finances, we’ve got you covered.
Episodes
If you have a pension or an ISA, there's a chance you're already more exposed to AI stocks than you realise.
Tom sits down with financial adviser and TV presenter Emmanuel Asuquo to break down whether the AI boom is a bubble, what's actually driving the valuations, and what ordinary investors should do about it. They also get into Emmanuel's biggest money regret and where to start if your finances feel overwhelming.
Plu...
Most parents want to give their kids a financial head start.
But Junior ISAs come with a catch. At 18, the money becomes theirs, no conditions.
So would you still save the same way if you knew you couldn’t control how it’s used?
In this episode, Tom is joined by Octopus Money adviser and parent Molly to break it all down. How Junior ISAs work, when they make sense, and the trade-offs most people miss.
Midlife can feel like a financial juggling act: supporting children, helping parents and trying not to fall behind yourself.
In this episode, Tom talks to Faith Archer about how to navigate it without running out of money or energy. They explore:
- How much support is too much
- Where people get boundaries wrong
- What a 100-year life means for your finances
- The most common false assumptions about...
Money isn’t a level playing field. For many people experiencing neurodiversity, managing it comes with extra stress, admin and time: a hidden cost often called the neurodiversity tax.
In this episode, Octopus Money adviser Chantelle Elmi shares her story of growing up with dyslexia and finding her place in one of the most complex professions out there. We talk about what the neurodiversity tax really means, how financial advic...
For this International Women’s Day episode, we’re joined by Erin Platts, CEO of Octopus Investments.
We chat about why women still face more barriers to investing, even though they often outperform over time. Erin shares lessons from a career in banking, venture capital and tech, and we dig into what risk really means, how confidence gets built, and why representation matters when it comes to wealth.
The tax year ends on 5 April, which means that many of the tax-free limits on how much you can pay into things like ISAs and pensions start again from zero.
In this episode, we explain what tax year end actually means, walk through ISAs, pensions and general investment accounts, and share a simple way to decide whether you should act before the deadline. Practical, clear and designed to help you make one smart move before 6 April.
Over £5 trillion is set to move between generations in the coming years, but most families aren’t talking about it.
In this episode, Tom and Octopus Money adviser Tim dig into the reality of passing on wealth: inheritance tax, care costs, gifting myths and awkward dinner-table conversations. They explore what silence could cost and how having honest conversations can protect your future while helping the next generation.
Christmas is meant to feel joyful, but between gifts, travel, food, and family plans, December can quickly turn a bit manic.
Tom is joined by Tynah Matembe, founder of MoneyMatix, to share simple ways to enjoy the festive season without overspending. Expect honest chat on setting a Christmas budget, having “awkward” money conversations, cheaper gift ideas (including the Boxing Day trick), and how to reset in Januar...
The Autumn budget landed yesterday: the headlines were noisy and the detail was confusing, so we pulled it apart.
Tom and Kristian break down the Autumn Budget in plain English: What changed, what stayed frozen, and what this means for your money. We also took some of your questions to bring the changes to life.
Got ideas for our next episode? Send us a text
Kids are pricey. But the hidden costs hit harder: not in your trolley, but in your payslip, pension and career.
Tom is joined by two female CEOs to unpack the parenthood penalty and how to fight it. Michelle Kennedy, founder of Peanut and author of It Takes a Village, shares what new mums really face. Ruth Handcock, CEO of Octopus Money, explains why childcare is an investment in your career and how planning early changes outcomes. ...
The Autumn Budget always grabs attention. This year’s, on 26 November, has sparked plenty of speculation about what it could mean for pensions, property and investing.
But what really matters for your money?
In this solo episode of Keep the Change, Tom Francis, Head of Personal Finance at Octopus Money, takes a look at the Autumn Budget rumours: what’s realistic, what’s just noise and how to prepare your finan...
Divorce can be messy. Not just emotionally, but financially too. Legal fees, two sets of lawyers, two homes: the costs rack up fast.
After going through it herself, Kate Daly co-founded Amicable to prove there’s a better way and help people separate without the stress. She joins Elsie to talk about the real price of splitting up, the financial traps people don’t see coming, and how to get back on your feet without stayin...
Buying a home has never felt harder: high interest rates, confusing mortgage jargon, and rising costs are pushing first-time buyers to the brink. But is it still possible?
In this episode, Tom is joined by Octopus Money Mortgage Adviser Ramneet Bains to unpack the reality of buying in 2025. They explore what most people get wrong about mortgages, how much you really need to save, and why fixed vs variable rates are about more than j...
In this episode of Keep The Change, Tom is joined by Ruth Handcock OBE, CEO of Octopus Money. Ruth’s had a pretty extraordinary career – working in Sierra Leone, leading a fast-growing financial wellbeing business, and now shaking up how millions get money advice. She talks about how growing up in a single-parent household shaped her views on money, why she’s so determined to close the UK’s “advice gap...
In this episode of Keep The Change, Tom chats with Ola, founder of All Things Money, a platform that helps young people take charge of their finances with relatable and practical content. They discuss the UK’s financial literacy gap and why many young people leave school without the basic money skills they need. Ola explains how this lack of education can affect money decisions down the road and shares how we can start closin...
In this episode of Keep The Change, Tom is joined by Kristian Manton, chartered financial adviser at Octopus Money and the youngest person in the UK to pass the highest level of adviser exams. Together, they explore one of Britain’s most beloved yet misunderstood savings products: Premium Bonds.
Are they a smart way to grow your money, or just a feel-good financial illusion? Tom and Kristian unpick the myths and the ma...
In this episode of Keep The Change, Tom sits down with Mooka Maboshe, one of our financial coaches at Octopus Money. Mooka shares her experience of moving from Zambia to South Wales and reflects on how both cultures have shaped her perspective on money. They explore the cultural influences on financial habits, the challenges faced when settling in a new country, and the importance of finding a personal approach to money.
From the po...
In this episode of Keep the Change, Tom is joined by Gemma Bird, better known as Money Mum, to talk about her journey to becoming a money-saving influencer. With nearly 500,000 Instagram followers and appearances on ITV’s Lorraine and Loose Women, Gemma has become a trusted voice for families looking to manage their family finances more effectively. She opens up about the realities of parenting on a budget, the money lessons ...
In this episode of Keep the Change, Tom sits down with financial influencer Jessie Leong, founder of How I Fund This. They dive into Jessie’s personal finance journey, how she built a supportive community and the mindset shifts that helped her rethink her relationship with money. Jessie opens up about navigating financial anxiety, the never ending nature of money education, the role of influencers in the finance space, and ge...
In this episode of Keep the Change, Tom sits down with journalist and author Elle Hunt to unpack her viral money diary that sparked headlines—and the public reaction that followed. From avocado toast debates to the hidden costs of single life, Elle reflects on navigating her 20s and 30s, shifting her money mindset, and the cultural baggage we all carry around cash. They dive into the hurdles of homeownership, what Martin Lewi...
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