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Keep The Change

by Octopus Money

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Latest episodes

Is AI a bubble and what does it mean for your money?

July 7, 2026 · 42 min

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…
Junior ISAs: would you trust your 18-year-old with this money?

May 14, 2026 · 43 min

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…
The midlife money squeeze: How to support kids, parents and your future

April 23, 2026 · 44 min

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?

March 17, 2026 · 37 min

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…
Risk, confidence and why more women should invest

March 8, 2026 · 39 min

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…

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Tax year end: What to do before 5 April

February 12, 2026 · 21 min

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?

January 28, 2026 · 34 min

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…
Spend smarter this Christmas with Tynah Matembe

December 15, 2025 · 34 min

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…
The Autumn Budget 2025: What changed, what didn’t, and what to do next

November 28, 2025 · 31 min

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…
Parenthood, pay and pensions: two CEOs on beating the penalty

November 20, 2025 · 50 min

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

October 22, 2025 · 29 min

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 True Cost of Divorce with Kate Daly

September 15, 2025 · 33 min

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…

Full episode archive on Apple Podcasts →

About the show

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.