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.

Got ideas for upcoming episodes? Send a text

Send a text

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.

Send a text

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.

Send a text

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 January by taking stock and setting one clear intention.

Send a text

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

Send 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. You’ll hear honest talk on parenthood and how two leaders are rewriting the rules on work, family and finance.

Send a text

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 finances before any changes land.

This podcast is for informational purposes only and does not constitute personal advice. 

Send a text

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 staying stuck in survival mode.

And stick around for this week’s Dear Elsie, where Kate tackles your money questions.

Send a text

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 just interest. Ramneet also shares his take on renting vs buying, whether it ever makes sense to invest your deposit, and what he’d change if he were Prime Minister for a day.

Send a text

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”, and what really went through her mind when she opened the letter about her OBE. They get into financial equality, making big calls, and the small changes that can make a huge difference to your future.

Send a text