Keep The Change

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 advice can be more inclusive, and why good money systems should work for every brain.
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Important information:
This podcast is for general information only and isn’t personal advice. All investments carry risk. The value of your investments can go down as well as up, and you may get back less than you put in. Past performance isn’t a reliable guide to the future.
References to tax or Inheritance Tax are based on current UK legislation, which can change, and the value of any tax relief depends on your individual circumstances.
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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.
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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.
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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.
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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.

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