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.