The penny drops podcast: Living, growing and thriving with a disability


In this episode of 'The penny drops', our host Andrea Fox joins Paralympian Sam Ruddock to talk sports, big ambitions, managing finances as an athlete and living with a disability.

What will we be talking about?

This month we talk to inspirational Team GB athlete Sam Ruddock, who was born with a form of cerebral palsy. We cover:

  • Living and growing up with a disability
  • Financial and practical support for people with a disability
  • Managing your finances as an athlete
  • The journey to becoming a Paralympian
  • Support and opportunities for athletes and disabled athletes
  • Maintaining mental as well as physical fitness
  • Motivation and overcoming challenges
  • Mentoring for the Youth Sport Trust and helping to improve children’s wellbeing through sport

Who is our guest?

Sam Ruddock is a Paralympic track, field and cycling athlete. Born with a form of cerebral palsy that affects his flexibility, coordination and balance, Sam went on to play sports including basketball, rugby and American football while studying for his degree at Loughborough University. After being spotted by a coach, he made his international debut for Team GB at the London 2012 Paralympic Games, competed for a second time in the Rio 2016 Paralympics and is now preparing himself for the 2021 games in Tokyo.

All views and opinions expressed in the podcast are those of the guest and not of Royal London.

Where can you listen?

You can download and listen to episodes using the iTunes Podcasts, Google Podcasts, Spotify or Castbox apps – just search for ‘The penny drops’. Make sure to subscribe so you don’t miss any new episodes, and please do leave us a review. We’d love to know what you think of the series.

If you don’t have access to an app, you can listen to the podcast online. We’ll send you reminders about any new episodes in your quarterly member emails.

Tablet device

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.

You can also find lots of helpful information on some of the topics discussed in this episode on the following sites:

Financial support for people with disabilities
Disability charities
Saving, budgeting and money management
Support for athletes

This month’s episode was recorded in May 2020 during the coronavirus outbreak. For up to date information on benefits and financial support being offered by the Government, please visit

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording.

Listen to more episodes!

Take a look at our podcast page for more information on other episodes and topics we've covered, or search for 'The penny drops' on the app you use to listen to podcasts. 

Find out more about Listen to more episodes!