Ruth Handcock OBE, CEO of Octopus Money, has identified a massive gap in the financial services industry that affects millions of people. While wealthy individuals can easily access personalized financial planning, and basic investment platforms serve those ready to dive in, there's virtually nothing for people who simply want help creating a plan for their money. In just over two years, Ruth's innovative approach has already helped 39,000 people build meaningful financial plans, proving there's enormous demand for accessible money guidance. Her company combines human coaches with smart technology to deliver personalized financial advice at a fraction of traditional costs, making comprehensive planning available to anyone regardless of their current wealth level.

What You'll Discover:

• Learn why having a financial plan is the single most important factor in building wealth, beyond even your age or income level
• Understand the unique hybrid model that uses human coaches for guidance while letting algorithms handle the regulated advice recommendations
• Discover why starting financial conversations with "hopes and dreams" rather than budgets creates dramatically different outcomes for people
• Explore the cultural taboos around money in the UK and how they compare to other countries, plus why most people think they're "below average" at managing money
• Uncover the step-by-step process that takes someone from financial confusion to a clear, actionable plan in just two coaching sessions

Ruth doesn't just talk theory – she walks through exactly how someone with £100,000 sitting in their ISA could create a plan to buy their first home within three years. She explains why traditional financial advisors won't work with anyone who has less than £250,000 in assets, and how her team is proving that comprehensive financial planning can be commercially viable for the mass market. The conversation covers everything from the rise of DIY investing among younger generations to the role AI might play in future financial advice, while Ruth shares her ambitious vision for solving society's looming retirement crisis.

Tune in to discover how Ruth is democratizing financial planning and why she believes the first paycheck moment could be the key to transforming people's entire financial futures. This episode will change how you think about money, planning, and what's actually possible when you have the right guidance at the right time.

Connect with Ruth:

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