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 most beloved yet misunderstood savings products: Premium Bonds.Are they a smart way to grow your money, or just a feel-good financial illusion? Tom and Kristian unpick the myths and the maths behind Premium Bonds, examining why so many people still hold onto them and why they may not be the best option for your savings.Whether you have Premium Bonds gathering dust or are just starting to think about saving, this episode offers clear insights to help you make more informed financial decisions—no luck required.Send us a text

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