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
21 episodes
The midlife money squeeze: How to support kids, parents and your future
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 ...
What is the neurodiversity tax?
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 Chante...
Risk, confidence and why more women should invest
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 ca...
Tax year end: What to do before 5 April
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, ...
What Happens If You Never Talk About Inheritance?
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 ...
Spend smarter this Christmas with Tynah Matembe
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 wit...
The Autumn Budget 2025: What changed, what didn’t, and what to do next
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 yo...
Parenthood, pay and pensions: two CEOs on beating the penalty
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...
How to Prepare for the Autumn Budget
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 episo...
The True Cost of Divorce with Kate Daly
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 peop...
Buying a Home in 2025: Is The Dream Still Alive?
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 R...
Closing the UK’s Advice Gap, With Ruth Handcock OBE, Octopus Money CEO
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 h...
Educating Young People on the Power of Investing with Ola from All Things Money
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 an...
Premium Bonds: A Safe Bet or Just a Bet?
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 mo...
Family, Culture & Cash: Navigating Money in a New Culture With Mooka Maboshe
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 per...
Money Mum on Mindset, Motherhood & Making It Work
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 ...
Money, Identity & Going Public - Jessie Leong on Life as a Money Influencer
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 shift...
Lessons from a Viral Money Diary – Elle Hunt, Guardian writer
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 sing...
Women, Wealth & Financial Confidence
When it comes to building financial confidence, women face a unique set of challenges.In this episode of Keep the Change, Elsie Garvey chats with Octopus Money’s very own money coach, Sula Armstrong, for a deep dive into financi...