EPISODE · May 14, 2026 · 42 MIN
Junior ISAs: would you trust your 18-year-old with this money?
from Keep The Change · host Octopus Money
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 episode, Tom is joined by Octopus Money adviser and parent Molly to break it all down. How Junior ISAs work, when they make sense, and the trade-offs most people miss.Got ideas for upcoming episodes? Send a textSend us Fan Mail
What this episode covers
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 episode, Tom is joined by Octopus Money adviser and parent Molly to break it all down. How Junior ISAs work, when they make sense, and the trade-offs most people miss. Got ideas for upcoming episodes? Send a text Send us Fan Mail
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Junior ISAs: would you trust your 18-year-old with this money?
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