Keep The Change

How To Win in New Zealand: Momentum

Wed, 01 Apr 2026 16:00:00 GMT

Most people are letting momentum and compounding work against them. They're compounding the wrong things... Debt, bad habits & negative thinking, instead of building momentum toward their goals.

Luke and Mikey break down why momentum is like compounding but for your daily life: once you get it rolling, things become easier, but you have to get your foot on the gas first. We cover the stages of momentum, why it's a cruel mistress that can turn on a dime, and how to harness it when it arrives.

In a country of so much negativity and doom and gloom, it's crucial to be around high energy and momentum. You can spot it in people who are building and creating.

Momentum is your most valuable asset. Are you building it or letting it work against you?

Find Mikey:

https://guardiansmith.co.nz/

https://instagram.com/officialmikeysmith

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

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MM 307 - Do You Still Insert Your Debit Card? I Do

Mon, 30 Mar 2026 16:00:00 GMT

The other day I posted a photo online. It was just a payment terminal with a small sign: “CREDIT/PAYWAVE 1.5% surcharge”. It blew up. HUNDREDS of thousands of people saw it. Hundreds of comments. Over one thousand people voted in a poll asking if they do the same. In the comments, people were debating, agreeing, asking questions. All over one simple statement: “I still insert debit card to avoid 1.5% surcharge.”

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Lessons From Taking A NZ Startup From 0 To 4,000 Paid Users: Renata Wiles

Wed, 25 Mar 2026 16:00:00 GMT

Renata built Roam with Kids from zero to 4,000 paying subscribers while raising three kids. Her secret? Posting every single day for two and a half years, even when no one was watching.

Renata breaks down the reality of building a startup in New Zealand, whilst juggling work & kids. We cover the loneliness of building something while everyone else has normal jobs, and how consistency beats perfection every time.

We cover the pivot from travel vlogger dreams to local business reality, why she charges less than half a cup of coffee per month, and how she's building something that actually helps families while creating wealth. Plus the harsh truth: if you want to build something meaningful, you have to be willing to do boring work consistently when no one's watching.

Speed creates momentum. Consistency creates success.

Find Roam With Kids:

https://www.instagram.com/roamwithkids/

Find Renata:

https://www.instagram.com/renataroaming/

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

Kiwis Think Business Is Too Risky & Immigrants Don’t. Why?

Tue, 24 Mar 2026 16:00:00 GMT

Immigrants often arrive with nothing to fall back on so “safe” feels different.

Why are so many newcomers in NZ are willing to start businesses, take bigger risks, and end up hiring Kiwis? While locals often see business as too risky.

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MM 306 - The ‘I Can’t Afford To ‘Save/Invest/Do’ Trap

Mon, 23 Mar 2026 16:00:00 GMT

This time of the year can be where the new year's energy has died down, and we waver from goals, or we realise we didn’t do what we said we were going to and now there is no point. For some inspo, I asked some KTC listeners what it was like to ‘think they can’t’ but ‘do it anyway’ and what they noticed. Perhaps NOW is the time. What do you need to start doing?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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The Simple Way To Build Wealth with James Blair of Lighthouse Financial

Wed, 18 Mar 2026 16:00:00 GMT

Most Kiwis are overthinking wealth building. They're waiting for the perfect election result, the right market timing, or the ideal economic conditions. Meanwhile, they're missing the simple fundamentals that actually work.

James Blair from Lighthouse Financial breaks down why money is actually straightforward: earn as much as you can, don't spend it all, pay down debt, buy shares, buy property. That's it. We cover why waiting for political changes is pointless, why timing the market fails, and why victim mindset keeps people poor.

Stop waiting for perfect conditions. Start taking imperfect action. The fundamentals work if you work them.

Find James:

https://www.instagram.com/lighthousefinancialnz/

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

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5 Non Financial Habits That I Used To Go From Debt To Millionaire

Tue, 17 Mar 2026 16:00:00 GMT

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MM 305 - Always Reason To Feel Nervous About Investing

Thu, 12 Mar 2026 23:06:33 GMT

Well here we are again. More volatility + vulnerability and a sense of not knowing how long this could go on. I am not going to explore that too deeply, but I do want you to reflect on 2025. Because if you want to invest, you have to accept risk and therefore understand that risk is not a bug in investing, it’s part of the process. Markets are constantly reacting to something.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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New Zealanders Are Wasting Their Time & Money

Wed, 11 Mar 2026 16:00:00 GMT

Most people misallocate their time worrying about share platform fees when they should be asking their boss for a raise. They're trying to optimise $3 in fees instead of increasing their income by $10,000.

Luke and Mikey break down the hierarchy: time allocation first, income allocation second, capital allocation third. We cover why when you're young, time is your capital, and when you're older, capital buys your time back.

You can get more money, but you can't get more time. Yet most people waste hours researching investments instead of spending that hour asking for a pay rise.

We cover why misallocating time is worse than misallocating money, the needle-moving activities that actually matter, and why successful people do boring things consistently. Stop looking for magic solutions in chapter 8 when you haven't finished chapter 1.

Time is your most valuable asset. Are you treating it that way?

Find Mikey:

https://guardiansmith.co.nz/

https://instagram.com/officialmikeysmith

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

Is $35 An Hour In NZ Good Money? How Much Can You Save? Or Hello Aussie?

Wed, 11 Mar 2026 02:23:42 GMT

Let’s run the numbers on someone earning $35 an hour trying to “get ahead” in NZ.

Full-time is roughly $72,800.

After tax, ACC, KiwiSaver (3%), you’re left with roughly $55k take-home.

Here are the real costs one person shared (good starting point: 29, single, no kids, flatting):

Rent: $350/week

Food: $150/week

Fuel: $45/week

Insurance (car, contents, health): $60/week

Gym (CrossFit): $50/week

Power: $60/week

That totals about $715/week, or $37,200/year.

So on paper:

Take-home: $55,000

Core living costs: -$37,200

Leftover: $17,800/year

That suggests they could be lucky to save around $15k per year.

I think there are some missing costs from this budget:

Dentist / medical. Car repairs + servicing + tyres. Registration + WOF. Clothing, gifts, travel, weddings. Subscriptions, eating out, entertainment.

That $17.8k surplus becomes something like: $12k–$15k per year saved.

That’s still solid! BUT let’s be honest about NZ.

ISSUE 1: You can’t afford emergencies… and you really can’t afford house prices running away

If you’re saving $12k–$15k a year,

A major car problem can wipe out a big chunk of your progress or a job interruption hurts.

AND you definitely don’t want house prices rising quickly while you’re trying to stack a deposit.

If a $600,000 house increases by 5%, that’s $30,000 of price movement in a year. (You will get blasted by multiple media articles monthly about how possible this is and how predicted it is).

So while someone is proudly saving $15k, the goalposts could move by $30k.

With the cost of living increasing and tax rates not being indexed to inflation, keeping your saving rate in line with house increases becomes very hard. Fortunately house prices have been flat in SOME regions.ISSUE 2: People WITH $$$$ are experiencing the opposite

The sharemarket returned a solid 15% in 2025 for many S&P500 investors. $100k invested and you have $115k at the end of the year (loose math). You didn’t have to work a year to gain $15k. You had to risk $100k.

(The market doesn’t always act like this but it did in 2025, and in 2024 and in 2023).

Even “Risk-averse Randy” with $400,000 in a term deposit at 6% received roughly $16,080 after tax in interest for risking his $400k.

So of course younger people (or anyone without capital) get frustrated watching others make money “easily” like this, while they grind for the same result.

When the math looks like this, it’s not hard to see why so many are choosing to try their luck somewhere else.

We all know deep down that our income earning ability is our single biggest asset.If you were 25–30 right now, what would you do?

SOLUTIONS??

Bluntly, people in this position face a choice:

- Earn more (overtime, upskilling, better industry, commission-based roles, side income)

- Change housing structure (flatting vs living alone)

- Stay home with parents (if it’s viable)

- Reduce big recurring costs (or just do less for a season)

- Invest in assets where possible (even small, consistent amounts)

- Speculate (high risk, usually punished)

- Move to Australia (which has been very popular)

The importance of KiwiSaver to get the employer match. When saving for the first home not many financial advisors would suggest exposing the deposit to too much risk so some may not have seen the gains of those investing for different purposes (more long term).

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MM 304 - ‘How I Made $20k In One Night'

Mon, 09 Mar 2026 16:00:00 GMT

In accounting, one of the most important reports is a ‘profit and loss’. This report shows you the total sales, less the expenses, which equates to profit. In a world of ‘I do a million a year’ they typically mean they have sold $1million worth of something. ‘How I made $1million in 2025’ was probably $1mil of sales. There are always expenses to create the sales. Sales - expenses = profit.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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The CEO Of New Zealand's Largest Gym Franchise (60,000+ customers) Cameron Ward

Wed, 04 Mar 2026 16:00:00 GMT

Cameron Ward runs 62 Anytime Fitness gyms across New Zealand and has seen what separates successful franchises from failures. The stats are brutal: 1 in 20 gym franchises fail within 2 years, but 1 in 5 independent gyms don't make it.

Cam breaks down what it really takes to succeed in franchising: follow the systems religiously, have proper capital (not just for setup, but working capital too), and understand you're investing in proven processes, not buying passive income.

The most successful franchises follow the systems. The ones that struggle think they know better than the proven model.

We cover the journey from employee to franchise owner, why some people own multiple sites, and the reality check every potential franchisee needs: if you think franchising is easy money, you're going to come unstuck pretty quick.

Franchising isn't plug and play, it's investing in a system that works if you work it.

More information on Anytime Fitness: https://www.anytimefitness.co.nz/

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

6 Expensive Headwinds Of New Zealand 🇳🇿 (Young People MUST Know!)

Wed, 04 Mar 2026 03:37:45 GMT

6 expensive headwinds of New Zealand 🇳🇿

1. New Zealand has an ageing population.

Cost = super + healthcare.

2. Health issues rising. I.e. Obesity and point 1.

Cost = system strain.

3. Infrastructure deficit.

Cost = rebuild or maintenance bill.

4. Brain/worker drain.

Cost = lost taxpayers to fund the above.

5. Capital stuck in property.

Cost = low productivity and low risk tolerance.

6. Education slipping.

Cost = weaker future economy.

Many have been watching these come at us for years, perhaps decades. But they aren’t going away anytime soon!

⚠️ As an individual you will need to plan accordingly.

- Build income outside PAYE only

- Own productive assets

- Own / Grow businesses

- Investing globally

- Increasing your earning capacity

- Look at medical insurances

- Discuss financial situations with parents (rest home costs can wipe out wealth fast)

- Have the “inheritance isn’t guaranteed” conversation

- Prepare for more tax and more inflation

What else

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MM 303 - "Writing Off A Business Expense’"

Mon, 02 Mar 2026 16:00:00 GMT

“It’s a write-off that’s why businesses do it”. You’ve seen it online where non-business owners and non-accountants suddenly educate you with 100% confidence on business ‘write-offs’ and how business owners pay no tax. So let’s clear this up. Because a tax write-off is not free money. It’s not a refund. And it’s definitely not the IRD wiring you back the full amount.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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'There Is So Much Opportunity In NZ' with Conner Harding

Wed, 25 Feb 2026 16:00:00 GMT

Conner grew up on a council estate where people end up stuck in the same system. He came to New Zealand with $2,000 in his pocket and is now running a successful landscaping business in Queenstown.

Conner breaks down his journey from addiction and destruction in England to finding purpose through running and gardening in South America, then building a business in New Zealand. We cover why he's lost friends who don't understand his transformation, how Kiwis helped him succeed, and why he believes New Zealand is the best country on earth.

"If you turn up with a good attitude and you're honest about what you're doing and you try and help people, people get behind it. People want to see you succeed."

From sleeping rough to employing others, Conner proves that your past doesn't define your future. Sometimes you have to leave everything behind to find who you're meant to be.

Find Conner:

https://www.homegrowntahuna.com/

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 302 - Am I Being Penalised For Working Harder?

Mon, 23 Feb 2026 16:00:00 GMT

They want to earn more. They want to start something small. They want to build skills and income outside their job. But then they look at tax and it kills the motivation. They won't be the first or last Kiwi to get p!ssed off by this. However, maybe the bigger risk isn’t paying 33% the bigger risk is not exploring where you could end up with another income stream.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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NZ Pension Spending, Sticky Inflation & Rate Hikes: What Will 2026 Look Like For NZ? w Brad Olsen

Wed, 18 Feb 2026 18:26:06 GMT

New Zealand's economy is patchy, spending fell 0.5% in December, Boxing Day sales down 12%, and job ads are still 30% below pre-pandemic levels. Meanwhile, electricity is up 12% and gas up 16% - the highest increases since the late 1980s.

Brad Olsen from Infometrics breaks down what's really happening and why the economy isn't magically turning around like everyone hoped.

The biggest challenge? We've got an aging population to pay for, infrastructure deficits, and young people fleeing to countries that value them more.

The economy might improve, but only if you stop waiting for someone else to fix it.

Find Brad:

https://www.infometrics.co.nz/

https://www.linkedin.com/in/bradolsennzl/

https://www.instagram.com/bradolsennzl/

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 301 - The Whole Financial System Could Collapse This Year

Mon, 16 Feb 2026 16:00:00 GMT

That’s according to the comment section of just about every social platform I use. The sad thing? Many of these people leaving comments so desperately want to be right. ‘I told you so’. Cool bro. Now what? Nothing. They won’t do anything, just like they never have before. Some of the people most worried about a stock market collapse have $0 invested. Make that make sense. Let's try...

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Buying Your First Home in NZ in 2026? Watch This First

Wed, 11 Feb 2026 16:00:00 GMT

Most first home buyers are back with low deposits and record-high debt, often borrowing with less than 20% deposit.

Luke and Mikey break down the reality: people are stretching themselves thin with low equity loans that cost more in interest. We cover why you need to understand the true cost (not just the mortgage payment), the risks of buying with minimal deposit, and what happens when house prices drop while you're over leveraged.

Don't let FOMO drive the biggest financial decision of your life. Understand what you're signing up for first.

Find Mikey:

https://guardiansmith.co.nz/

https://instagram.com/officialmikeysmith

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 300

Sun, 08 Feb 2026 00:18:11 GMT

Today marks 300 episodes of KTC Money Mail. 300 editions ago I was sitting in my one-bedroom apartment during lockdown, getting started. Hitting send on edition one. Today this will go to tens of thousands of people across various platforms. So how to we summarise the 300 editions? Let's try!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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What Every Kiwi Needs To Know About Financial Planning: Amy Po Ching

Wed, 04 Feb 2026 16:00:00 GMT

Amy breaks down why most people feel confused about money... They know what to do but don't do it, they can't articulate what they actually want, and they're stuck thinking "we want to create wealth" without knowing what for.

80% of people know what's good for them but don't follow through. They want passive income but can't explain why. They want to build wealth but haven't defined what success looks like.

Money is just the tool. It's the vehicle that gets you from A to B. Nothing more, nothing less.

We cover why intention and planning gives you permission to spend, how to map out what your future actually looks like, and why every decision becomes easier when you're clear on your goals. Plus the budget items most people forget: new tires, unexpected repairs, and the stuff that always comes up.

Money isn't everything. But having a plan for it means you can focus on what is.

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 299 - HOW They Cleared $100k Of Destructive Debt (Pt 2.)

Mon, 02 Feb 2026 16:00:00 GMT

These words stood out to me and should for you too. “It’s been a slog, and I've made many mistakes, but I have grown so much I feel like I'm a completely different person’’. That’s the real win. Becoming the version of yourself that you know that you could be! So HOW did they do it?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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How To Obliterate 2026 with Mikey Smith

Wed, 28 Jan 2026 16:00:00 GMT

2026 is going to be wild. AI will start eating jobs, currencies might collapse, and New Zealand has an election that could get divisive. The question is: are you ready?

Luke and Mikey break down how to dominate 2026: take action now while others wait, build psychotic belief in yourself, and use AI as your unfair advantage instead of fearing it. We cover why the people who prepared in 2024-2025 will get rewarded big time, the AI arbitrage opportunity most people can't see, and why complacent people are screwed.

The winners of 2026 will be the independent, critical thinkers who are deliberate in their actions. Everyone else gets left behind.

We cover election predictions, why young people might finally get angry enough to demand change, and the importance of helping each other through what's coming. Plus the mindset shifts that separate those who thrive from those who just survive.

It's time to get to work on 2026, baby.

Find Mikey:

https://guardiansmith.co.nz/

https://instagram.com/officialmikeysmith

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

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MM 298 - Clearing $100k Of Destructive Debt (Pt 1.)

Mon, 26 Jan 2026 16:00:00 GMT

As we close in on Week 300, I want to share with you an email I received recently and some of the key principles. ‘’For a long time, I let my lack of education and some really destructive self-talk become my narrative. I spiralled into a lot of debt - managed to rack up over $100k worth of the stuff and I have no one to blame but myself. I was spending money recklessly and committing my future wealth on stupid things like motorbikes, overseas trips, and nights out. Nothing useful, I was simply trying to fill the then ever growing hole of not meeting my potential’’. Fast-forward three years and they are now on track to be completely debt-free by August 2026, with a $20,000 emergency fund!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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What To Expect In 2026: Stocks, Inflation & Kiwisaver w Greg Smith of Generate

Sat, 24 Jan 2026 16:00:00 GMT

2025 was a strange year for investors, but 2026 could be even stranger. Generate's Greg Smith breaks down what every Kiwi needs to know.

We cover the investment trends shaping 2026: why diversification matters more than ever, emerging markets and the political chaos that's coming with Trump's new policies. Plus the New Zealand outlook, why our market hit record highs but still disappointed compared to global returns.

Greg shares his predictions for interest rates, the Fed chair drama unfolding in the US, and why Kiwisaver changes mean you need to pay attention. We also discuss the baby boomer wealth transfer, why term deposit money is finally moving into investments, and the sectors to watch.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Please note: No part of this podcast is intended as financial advice; it is intended as general information only. It does not take into account your objectives, financial situation or needs. You should consider seeking expert advice before making any decisions. The views expressed by individual speakers are their own and do not necessarily reflect Generate’s opinions. Past performance is not a reliable indicator of future results. To see a copy of Generate's Product Disclosure For more information about Generate's Schemes see their Product Disclosure Statements at http://generatekiwisaver.co.nz/disclosures. The issuer is Generate Investment Management Limited.

Find Greg Smith:

Email: greg.smith@generatewealth.co.nz

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

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How Much YouTube Paid Me For 1.6M Views In New Zealand

Fri, 23 Jan 2026 16:00:00 GMT

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Capital Gains Tax Will NOT Lower House Prices (here's why)

Wed, 21 Jan 2026 16:00:00 GMT

Labour recently announced a 28% capital gains tax on rentals, batches and commercial properties. Politicians say it'll make housing affordable, but the data says otherwise.

Luke and Mikey break down why this won't work: no country has ever lowered house prices with property taxes, wealthy people will just borrow against assets instead of selling, and the revenue projections are fantasy. To get $965 million in year three, they need $3.4 billion in property gains - in this economy?

New Zealand is taxed up to your eyeballs. Everything you touch has a tax, levy, or fee.

We cover why Australia's CGT didn't stop their property ponzi, how governments get addicted to property tax revenue, and why this policy is 20-30 years too late. Plus the harsh reality: if you want to disincentivize property investment, you needed this before we financialised housing.

Capital gains tax won't save New Zealand. It's just another way to extract money from people who actually build wealth.

Find Mikey:

https://guardiansmith.co.nz/

https://instagram.com/officialmikeysmith

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 297 - 2026 On Easy Mode! Get Good, Get Known

Mon, 19 Jan 2026 16:00:00 GMT

‘If no one knows you, money won't flow to you’ - simple but confronting words that stopped me in my tracks a long time ago. Unfortunately, for many, many Kiwi people we are allergic to getting known. But you’re getting in your own way, over complicating it all. All you have to do is be good at something and have people know that you are. That’s all it is now. Keep it that simple to win and progress.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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NZ Property Predictions For 2026 | You MUST See Last Years Too!

Sat, 17 Jan 2026 16:00:00 GMT

Everyones favourite to predict...and get wrong!

See what happened in 2024 and 2025 here: https://www.youtube.com/watch?v=TTvtdNmI7gU

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How I Make 'Passive' Income In New Zealand

Sat, 17 Jan 2026 00:22:56 GMT

Its not as glamorous as some make it out to be, but here's the truth as to how I make genuinely passive income from New Zealand.

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What Every Kiwi Needs To Know About Wills, Prenups & Protecting Wealth: Holly Egerton

Wed, 14 Jan 2026 16:00:00 GMT

1 in 2 New Zealanders don't have a will. That means when they die, their family gets chaos, uncertainty, and massive legal bills to sort everything out.

Holly from Succession NZ breaks down what actually happens: default rules kick in that split assets between partners and kids (not how most people want it), court applications cost thousands, and families fight over who's in charge. We cover the $40,000 threshold that freezes your Kiwisaver, why getting married cancels your will, and the retirement village fees that shock every family.

The brutal reality? Your inheritance can become relationship property if your kids don't protect it properly. Your parents' house could end up half-owned by an ex-partner.

Find Holly:

https://succession.nz

https://instagram.com/succession.nz

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

How To Invest Your First $1,000 in New Zealand

Wed, 14 Jan 2026 00:33:47 GMT

Today Im breaking down exactly how to get started investing in New Zealand, and why it may not be what you think...

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MM 296 - How To Create A Budget In New Zealand

Mon, 12 Jan 2026 16:00:00 GMT

New year, new you yada yada. But 'budgeting' is highly searched at this time of the year. I want to show (or remind) you how I think about budgeting, and it’s the exact system I used to go from credit card debt to building over $1m in assets. And a warning, sorry there are no apps or fancy dashboards. Step 1: Stop “budgeting” and start tracking cash flow

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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What You're Not Changing, You're Choosing: Sarah Robb's KTC Unplugged Talk

Fri, 09 Jan 2026 16:00:00 GMT

Sarah breaks down the uncomfortable truth: you're gaining something from your problems. Whether it's safety, comfort, familiarity, identity, or an excuse, if you weren't getting something from them, you'd easily let them go. We cover the three ingredients to change (awareness, action, accountability), how to access your intuition, and why your internal narrative is the most powerful thing you have.

Sign up to Money Mail for free weekly emails to improve your finances (and get notified for future events): https://www.keepthechange.co.nz/moneymail

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From $20 Car Washes to $42K Months: Max Tebb's KTC Unplugged Talk

Thu, 08 Jan 2026 16:00:00 GMT

Max breaks down the journey from age 13 fundraising for refugees to building a proper business: getting his first van at 14, learning to price properly, and connecting with successful clients who became mentors. We cover the loneliness of entrepreneurship, why he's lost friends who don't understand the grind, and how cleaning cars opened doors to learn from millionaires.

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The True Cost of Death in New Zealand: President Of NZ's Funeral Association Bradley Shaw

Wed, 07 Jan 2026 16:00:00 GMT

Bradley Shaw has been around death since he was 16. Now he's the youngest president of the Funeral Directors Association of New Zealand and sees something most people don't: life is way shorter than you think.

Bradley breaks down the brutal economics of death, how funeral directors getting stuck with debt from unpaid funerals and why 1 in 5 people are skipping funerals entirely.

We cover why people feel more grief over pets than humans, the aging demographic creating massive opportunities, and how the industry has changed from cabinet makers to event managers.

Every funeral Bradley attends, he walks away thinking "Life's short, man. What am I doing? Why am I holding back?"

The research shows 70% of people find funerals valuable for starting their grief journey. But the bigger lesson? We're all going to get there one day. You've got so much you want to achieve... Why are you waiting?

Life is short. It could be way shorter than you realise.

Find Bradley:

https://gatewayfuneral.co.nz/

https://linkedin.com/in/bradley-shaw-83336b1a6

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

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The Goal Setting Formula That Actually Works: David Niethe KTC Unplugged Talk

Wed, 07 Jan 2026 01:02:22 GMT

David Niethe breaks down the goal setting formula that actually works: Belief + Imagination + Conviction + Expectations = Results. We cover why 95% of people live in blame, excuse, and denial while 5% take ownership, accountability, and responsibility. Plus his journey from dyslexic failure to coaching champions.

Sign up to Money Mail for free weekly emails to improve your finances (and get notified for future events): https://www.keepthechange.co.nz/moneymail

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MM295 - Do This Simple Financial Exercise To Smash 2027

Tue, 06 Jan 2026 22:22:05 GMT

How much money do you want in your hand each month? That’s your goal. Next, get clear on your starting point…How much do you actually have after tax in your hand each month right now? The difference between the two is your gap. Let's close it and get closer to your goal before 2027 gets here.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Mikey's KTC Unplugged Talk: Getting Engaged, Building A Business & Lessons From 2025

Mon, 05 Jan 2026 23:06:08 GMT

Luke & Mikey reflects on the year that changed everything for them at Keep The Change Unplugged, including the business lessons that came from years of grinding and how success changes your perspective on risk and relationships. Building something meaningful takes time, and most people never see the struggle behind the success. Luke & Mikey share the vulnerable moments, the breakthrough decisions, and why having someone who believes in you changes everything.

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Your ‘Messy Mind’ Could Ruin 2026

Sun, 28 Dec 2025 21:11:31 GMT

Most people's minds are a complete mess. They're worried about Bitcoin, day trading, Trump's 50-year loans, and whether they should invest or pay down debt. Meanwhile, they haven't finished chapter one of getting their finances sorted.

Luke and Mikey break down why messy thinking kills progress: you're trying to get from chapter one to five without reading two, three, and four.

If you can figure out how to focus and clean up your thoughts, you're clear on your direction.

We cover the woman in the red dress (shiny object syndrome), why successful people do boring things consistently for years, and how to use the "love-hate exercise" to figure out what actually matters. Plus why saying no to everything else is more important than saying yes to the right thing.

Opportunities are unlimited throughout your lifetime. Focus is not. Choose wisely.

Find Mikey:

https://instagram.com/mikeysmithofficial

https://guardiansmith.co.nz/

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 294 - How Would You Sum Up YOUR 25?

Tue, 23 Dec 2025 16:00:00 GMT

Out of interest, I asked the KTC audience how their year was via Instagram. Let's go through some replies. Some raw ones there! And interestingly, 66% said that 2025 was better than expected. For all of us, let’s have a moment to reflect. Ask yourself, was 2025 better than you expected? Next, ask yourself this ripper… ‘What would I need to do in 2026 to have a GREAT year?’.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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The 21 Year Old Kiwi Making Millions With Ecommerce

Sun, 21 Dec 2025 16:00:00 GMT

Blake Evans is 21 years old and generated $1.7million in revenue last month (November 2025). He's running a global e-commerce empire from his bedroom.

Blake breaks down the reality of making serious money online, selling his car to fund his business, losing most of his friends, and the journey from working at Wendy's to earning more in a month than the top 1% of Kiwis make in a year.

We cover the loneliness of entrepreneurship, why he doesn't care about haters anymore, and how posting lifestyle content brings in new audiences. Plus his advice: pick something and stick to it instead of jumping between shiny objects.

Most people his age are worried about assignments. Blake's worried about scaling to eight figures.

Find Blake: https://instagram.com/blakeevansnz

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 293 - Will You Unsubscribe?

Thu, 18 Dec 2025 23:21:59 GMT

Earlier this year a statistic from a Censuswide survey said Kiwis are checking their devices up to 50 times an hour. Another report said people get around 146 notifications daily. Recently, Gmail rolled out a new feature: you can now see all the email lists you’re subscribed to in one place. One glance, and you’ll probably realise you are subscribed to way more junk than you thought. I am!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

What If New Zealand Bans Consumer Debt In 2026?

Wed, 17 Dec 2025 16:00:00 GMT

Half the stuff you buy, you can't actually afford. But debt dealers have found a way to break down payments so your future self can pay for today's bad decisions.

Luke and Mikey explore what would happen if all consumer debt was banned tomorrow: new car sales would drop 80%, white wear would last 15-20 years instead of 7-10, and people would focus on skills and experiences instead of stuff they can't afford.

Debt is a form of slavery. You're pledging your future self to pay for things you want now. Meanwhile, buy now pay later increases average order value by 40% because people add extra items when they're not paying real money.

The cage is disguised as convenience. You think you're using their money, but they're using your behaviour to make you spend more.

Stop being the bank for your future self. The journey matters more than the transaction.

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

They Don't Teach This At Uni... So Im Doing It

Mon, 15 Dec 2025 16:00:00 GMT

I headed into BDO to talk with their interns about what uni doesn’t teach you:

- How not to get stuck in survival & status mode

- How most people don’t like their jobs (and how to avoid that)

- Using your interests outside work as your advantage

- Money traps: debt, status spending & trying to look successful

- What freedom really is and how to start aiming for it now

If you’re a student or grad who wants more than just a paycheck and a job title, this is for you.

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Reflecting On KTC Unplugged 25

Mon, 15 Dec 2025 00:17:22 GMT

Thanks to everyone who came along to KTC Unplugged 2025. Here's some thoughts from behind the scenes and some insights from the night.

Hope to see you at the next one!

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MM 292 - Do You Risk Enough To Expect Reward?

Thu, 11 Dec 2025 19:29:33 GMT

If everything you do is safe and predictable, then the outcome will be safe and predictable too. This was a tough life lesson for me to accept. But it seems to be very common nowadays that a lot of people expect extraordinary outcomes with zero actual risk. There’s nothing wrong with these choices, but they’re safe choices. You can’t reasonably expect unsafe rewards from safe behaviour. Our lack of eduction OR acceptance of this can lead to envy.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Building Wealth Through Buying a Business in New Zealand: Ryan O'Connor

Wed, 10 Dec 2025 19:48:05 GMT

Ryan breaks down his journey from employee to business owner: 12 years working for others, multiple failed attempts at partnerships, and finally finding a seller in Ashburton. We cover the 8-year vendor finance deal that made it possible, why his house losing $45K in value didn't stop him, and how he's now building the practice he always dreamed of.

The reality? Most optometrists stay employees forever. Ryan refused to accept that path, even when deals fell through and relationships ended. He kept pushing until he found the right opportunity.

From Specsavers pathway programs to independent practice owner, sometimes the long way around is the only way that works.

We cover cash flow challenges, paying loans with after-tax income, building community connections, and why small town optometry beats city employment. Plus his next vision: owning a deer farm while running his practice.

Twenty years from childhood dream to business reality. Persistence pays off.

Find Ryan:

Linkedin: https://www.linkedin.com/in/ryan-o-connor-827a9562/

Instagram: https://www.instagram.com/ryanoconnornz/

Website: https://www.asheye.co.nz/

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

NZ's Shared Home Ownership Scheme: The Solution For First Home Buyers?

Sun, 07 Dec 2025 02:00:00 GMT

Most first home buyers think they need 20% deposit and will take 8-16 years to save it. Meanwhile, house prices keep rising faster than their wages.

Jared from Tamaki Regeneration breaks down shared home ownership. We cover how it works with banks, why it's not a scam, and how families are getting keys to new homes in 2-3 years instead of waiting decades.

There is hope. You just need to know where to look.

Find Jared

Linkedin: https://www.linkedin.com/in/jared-partridge-21615694/

Website: https://tamakiregeneration.co.nz/

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

I believe 100,000 kiwi with better financial literacy will create a better New Zealand. The Generate KiwiSaver Scheme are helping me reach this goal. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 291 - Why Your Boss Drives a Ranger & You Don’t

Thu, 04 Dec 2025 16:00:00 GMT

Most employees think their boss is “making a killing.” In this episode, I break down the hidden costs of running a business, the real risks owners carry, and why comparing your hourly rate to what the client pays is a massive misunderstanding. Strap yourself in.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Has NZ's Economy Hit Rock Bottom? What's Next In 2026?

Fri, 28 Nov 2025 00:10:40 GMT

"Survive to 25" was bullshit. We're halfway through 2025 and it still feels brutal. But the data is starting to tell a different story.

Luke and Mikey break down what's really happening and why 2025 might be looked back on as the economic bottom. We cover the fatigue everyone's feeling, why people are leaving at record levels, and the regional differences across the country.

The reality? Some are crushing it while others are struggling. The difference isn't luck, it's taking control of your income instead of waiting for someone else to save you.

Find Mikey:

Instagram https://www.instagram.com/officialmikeysmith/

Linkedin https://www.linkedin.com/in/mikey-smith-25999548/

Website https://guardiansmith.co.nz

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 290 - Why I Went To Queenstown To Plan The Next 12 Months

Thu, 27 Nov 2025 16:00:00 GMT

We hit pause on the day-to-day noise and take a step back to ask ourselves the big questions. Where do we want to be in 12 months? What about in 5 years? What needs to happen this quarter to get us moving? We talk openly about what’s working, what isn’t, what work we want to do, and where we want to push ourselves. Summer and the end of a year is great time to do this. Take it seriously too! You don’t need to have it all figured out. You just need to get started. Take some time to dream. Make a plan. Share it. Act on it. Review the plan quarterly. Take more action on it.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

The Strengths Coach Who Helped Change My Life: Suzanne Oh

Wed, 26 Nov 2025 16:00:00 GMT

Someone once told me to focus on my strengths. I said how. They showed me the Gallup’s StrengthsFinder to figure out what I’m actually good at, and what to stop wasting time on. Then the maximiser in me wanted to go deeper on this so I linked up with an incredible human.

In this episode, I’ve convinced my secret strengths coach, Suze Oh, to join me for a deep dive into how understanding your natural talents can change the way you work, lead, and live. It certainly did for me.

We unpack my Top 10 strengths (yep, the real list), talk about how they show up in business and life, and how you can use your own strengths to make more progress with less burnout.

If you’ve ever wondered why you’re wired the way you are, this one’s for you.

Find Suze Oh

Website: https://www.thinkplando.co.nz

Email: suze@thinkplando.co.nz

Chat: https://calendly.com/suzeoh/

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 289 - Overtaxing Kiwi Leads Them To Want To Work Less

Thu, 20 Nov 2025 22:41:37 GMT

Every week in NZ, people turn down overtime, stop pushing for bonuses, or refuse side work because they think it’s not worth it. Is that right? Some are even convinced they received less, for working more. The old accountant in me couldn’t help but step in and ask a few questions to try to help.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

New Zealand's Population Crisis: What's Really Happening w Professor Paul Spoonley

Sun, 16 Nov 2025 04:24:16 GMT

For 12 months, 70,000 New Zealand citizens have left to live overseas. 60% went to Australia. That's the highest we've ever seen.

Our most popular guest yet, Professor Paul Spoonley is back to break down what's really happening: we're losing young graduates, skilled workers, and even 30-somethings who've been in our workforce for years. Meanwhile, net migration has dropped to just 10,000, we've "emptied the coffers" on population growth.

The economics are brutal, Australia's offering higher wages on top of relocation fees, while NZ graduates are unable to find jobs whilst sitting with massive debt, so why not move somewhere that pays more?

We're facing a 250,000 worker shortage over the next 20 years, but we're losing our best people to countries that value them more.

New Zealand has changed. The question is: are we adapting fast enough?

Find Paul Spoonley on X: https://x.com/PSpoonley

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Hosted on Acast. See acast.com/privacy for more information.

MM 288 - Only 21% Of People Are Engaged In Their Work (Why?)

Thu, 13 Nov 2025 16:00:00 GMT

Only 21% of people globally are engaged in their work. That means almost 4 out of 5 people are turning up each day to something that doesn’t really light them up. Crazy, right? Well, probably bloody normal based on the stats. But for me, that’s hard to relate to. So I asked the Keep The Change audience: “Why stay in work you’re not actually engaged in?"

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

What Every NZ Family Needs to Know About Retirement Homes, Wills & Ageing Parents: Emily Silby

Wed, 12 Nov 2025 16:00:00 GMT

Most Kiwi families have no idea what's coming when their parents age. Then they get hit with legal bills, family fights, and financial shocks they never saw coming.

Emily Silby breaks down the legal reality every family will face: enduring power of attorney, wills, retirement village contracts, and rest home subsidies. We cover the 30% deferred management fee, why you don't actually own anything in a retirement village, and what happens when your parents can't make decisions anymore.

The numbers are brutal: median rent is $600/week, but retirement village fees can hit $400/week on top of your million-dollar entry fee. Meanwhile, 85 is the average age people enter rest care - if they ever do.

If your parents don't have wills and enduring power of attorney sorted, you're setting your family up for expensive legal battles and court applications.

We cover relationship property traps, residential care subsidies, and why leaving it to the kids to figure out is the worst possible plan. Plus the MSD loan scheme that keeps people out of limbo when houses won't sell.

Don't wait until crisis hits. Get the legal structure sorted now, while everyone still has their marbles.

Your future self will thank you.

Find Emily

Email: emily@rejtharlaw.co.nz

Linkedin: https://linkedin.com/in/emily-silby-a5181290

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Hosted on Acast. See acast.com/privacy for more information.

MM 287 - The End Of Tax-Free Property Gains?

Thu, 06 Nov 2025 20:02:05 GMT

Labour’s Chris Hipkins has put his chips on the table with a Capital Gains Tax. Yep the one that’s always been political poison in New Zealand. Will Labour win an election on this? Don’t know but credit to them getting this out in the public a year before the election so that people can sit with it and have epic Xmas arguments with their family. Let's explore a quick summary of how it would work.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

The State Of Men’s Health in NZ w Movember’s Robert Dunne

Wed, 05 Nov 2025 16:00:00 GMT

Every November, we see the moustaches pop up but what’s really behind the movement?

In this episode, we sit down with Robert Dunne, Movember’s New Zealand Manager, to dig into the story behind the mo. We talk about how the campaign started, his involvement, what’s changed in Kiwi men’s health, and why it’s still so hard for blokes to open up.

We also cover some tough conversations, and how small actions like growing a moustache can have massive ripple effects for men, families, and communities.

This one’s for every guy who’s ever said “I’m fine.”

Find Robert

Email: robert@movember.com

Website: https://nz.movember.com

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Hosted on Acast. See acast.com/privacy for more information.

MM 286 - What The Wealthy 20% Of Households Own In NZ

Thu, 30 Oct 2025 17:00:00 GMT

Stats NZ dropped some new household wealth data recently. And apparently…we’re richer. The median Kiwi household is now worth $529,000. Remember 'worth' is assets minus liabilities. That median Kiwi household figure is up from $399,000 in 2021. What can we learn from the wealtheir households?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

3 Kids, 30 Ideas. Doing It Sustainably w Rita (Sustaina Grow NZ)

Wed, 29 Oct 2025 21:46:48 GMT

Sustainability isn’t just a buzzword for Rita, it’s become a core driver of long-term business success.

In this episode, Luke sits down with Rita Hammond, founder of Sustaina Grow NZ, to explore how Kiwi businesses can embrace sustainable practices without sacrificing profitability.

Rita shares how Sustaina Grow started while juggling three children under three, relief teaching, and an obsession with building a business that mattered. What began as a passion project has grown into a brand that makes gardening simple, fun, and eco-friendly with wool-based grow mats, bestselling packs like strawberries and garlic, and innovative new products like the Garden Bar Project.

We dive into:

- The challenges of building a business while raising a young family

- Why obsession, not balance, has driven Sustaina Grow’s success

- Breaking monthly sales records, scaling warehousing, and embracing bold digital marketing strategies

- The power of small sustainable actions at home that can create big change for the planet

- Behind-the-scenes stories, from landing a $30K corporate contract with Vodafone (before the product even existed!)

This conversation is equal parts raw, inspiring, and practical showing how determination, innovation, and resilience can turn barriers into breakthroughs.

Find Sustaina Grow :

Instagram: https://www.instagram.com/sustaina_grow

Website: http://sustainagrow.co.nz (https://www.sustainagrow.co.nz/)

Country calendar feature: https://youtu.be/O1Q_93OedLY?feature=shared

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.

Hosted on Acast. See acast.com/privacy for more information.

Will My Parents Be Able to Afford to Retire? w Amy Po-Ching

Mon, 27 Oct 2025 16:00:00 GMT

Retirement planning isn’t just for you it’s for your whole family. In this candid conversation, I ask Amy to explore the tough but necessary questions about whether your parents (or you) are truly on track.

Using insights from Amy’s step-by-step guide, we cover how to assess spending, assets, and retirement gaps; why compounding and smart debt repayment do the heavy lifting; and the practical conversations families should start having now. Whether you’re 30, 50, or helping Mum and Dad, this episode will give you clarity and confidence about the future

As always, no part of this podcast is intended as financial advice; it is intended as general information only.

Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.

Hosted on Acast. See acast.com/privacy for more information.

Waiting For NZ's Economy to Get Better Won't Work... with Mikey Smith

Fri, 24 Oct 2025 16:00:00 GMT

New Zealand isn't the same country it was five years ago. But most Kiwis are still living like it is.

We've shifted from a factory economy to a skills-based economy, but everyone's still thinking like it's 1995. While you're waiting for your 2.6% pay rise, house prices are forecast to grow 6% annually. The math doesn't work.

Mikey and I break down what's really happening: why everything feels harder, why traditional employment isn't cutting it anymore, and why some people are thriving while others are struggling.

This isn't about doom and gloom. It's about seeing the new rules of the game.

The people doing well aren't waiting for the government to save them. They're not hoping their boss gives them a pay rise. They've figured out how to get paid for their skills, not their hours.

Treasury's own data shows wages growing at half the rate of asset prices. You can keep pretending this will magically fix itself, or you can adapt to the new reality.

The country has changed. The question is: will you?Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Amy from https://levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Hosted on Acast. See acast.com/privacy for more information.

MM 285 - Don’t Forget Who Helped You Get Here

Thu, 23 Oct 2025 17:00:00 GMT

Too many of us have become weak in our reasons. Reasons are very powerful because they carry emotion and can pull us forward. If you haven’t, I would strongly suggest doing some work on your reasons (often called your why, purpose etc.) and drilling into things that are really emotionally powerful for you. We also forget WHO got us here. I was reflecting on this personally recently when doing some planning and I thought it might help you.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Build Wealth Buying Into the Business You Work For: Phil Smith Next Advisory

Wed, 22 Oct 2025 16:00:00 GMT

Most Kiwi employees are sitting on a goldmine and don't even know it.

Your boss is probably over 50 and they're thinking about retirement but haven't figured out succession. Meanwhile, you're trading hours for dollars, watching house prices outpace your wages by more than double.

Here's what they don't teach you: You can buy into the business you already work for with ZERO cash down.

Phil Smith walks through the exact process, from having "the conversation" with your boss, to structuring vendor finance deals that let you pay with future profits. We cover shareholder agreements, valuations, and the traps that catch people out.

This isn't some get-rich-quick scheme. It's how smart employees are building real wealth while others complain about not getting ahead.

The data is brutal: Treasury forecasts 2.6% wage growth vs 6% house price growth annually. You can't afford to rely on wages forever. Stop waiting for someone else to hand you wealth. Take control of your income. Learn how the game actually works.

Find Phil:

Book a call with Phil: https://calendly.com/philsmith/buying

Website: https://nextadvisory.nz

LinkedIn: https://www.linkedin.com/in/phillipsmithca/

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Amy from https://levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Hosted on Acast. See acast.com/privacy for more information.

MM 284 - Need More Money Before The End Of The Year?

Mon, 20 Oct 2025 18:50:40 GMT

This Money Mail is inspired by my client, who is a business that turns over hundreds of thousands of $$$ and feeds mouths + provides opportunities. What they do, is tested and works. Success leaves clues. I hope you turn this idea into money and have your best Summer yet. Most people wait around hoping money will somehow turn up, but it won’t. So do this!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Speaking To NZ University Students About Money

Fri, 17 Oct 2025 23:09:32 GMT

I headed to Auckland University to talk with first year students about the money lessons you’ll never learn in a classroom.

We covered:

Why NZ schools and Uni's don’t actually teach you how to make money

The real skills that matter for building wealth (and why most people miss them)

How to break out of the “get a job, work hard, hope for a pay rise” mindset

The biggest money myths young Kiwis still believe

My own journey from paper runs and student jobs to financial freedom

Honest answers to students’ toughest questions about careers, failure, and finding your strengths

Book Luke for speaking here: https://www.lukekemeys.com/

Hosted on Acast. See acast.com/privacy for more information.

Prepare For NZ's Trillion Dollar Wealth Transfer (Wills, Trusts & Estate Planning) w Andrew Clements

Wed, 15 Oct 2025 16:00:00 GMT

Over the next 25 years, New Zealand will undergo the largest intergenerational wealth transfer in its history between $1 trillion and $1.6 trillion in assets moving from baby boomers to their kids and grandkids.

But here's the problem: as lawyer Andrew Clements puts it, we're approaching this tsunami with "all the sophistication of a kids' game of pin the tail on a donkey."

In this conversation, Andrew breaks down:

- Why 90% of family wealth is lost by the third generation (and how to beat those odds)

- The three types of kids: rising, entitled, and disempowered (and which ones you're raising)

- Why most Kiwis don't have wills (and what happens when you die without one)

- The coming crisis in farming and family businesses as owners hit retirement

- How ultra-wealthy families stay wealthy for generations (and what we can learn)

- Why trusts are still essential tools, not just fashion accessories

- The family conversations most Kiwis are too scared to have

If you're a business owner, parent, or anyone with assets to pass on, this episode could save your family from becoming another wealth transfer disaster story.

Find Andrew Clements:

Website: https://www.graysonclements.co.nz/our-people/andrew-clements

Email: aclements@gclegal.co.nz

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

__________________________________________________________________________________

Amy from https://levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck with your next move? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Hosted on Acast. See acast.com/privacy for more information.

MM 283 - $100 For You & $100 For 'Them'

Mon, 13 Oct 2025 16:00:00 GMT

The challenge is simple. Make $100 for yourself. Give $100 to a random. This is a challenge to look around and notice the people who could use a bit of kindness, especially during the festive season. I continue to believe that a little act of generosity can lift someone’s spirits in ways you and I can’t imagine. And this is certainly what the feedback reminded us last year! Recipients were stoked, surprised and some even cried! Who's up for the challenge?

Find us here:

@keepthechange_nz

Hosted on Acast. See acast.com/privacy for more information.

MM 282 - My KiwiSaver Goes From $100k To $150k In 18 Months

Mon, 06 Oct 2025 16:00:00 GMT

Recently, my KiwiSaver balance ticked over $150,000. Out of curiosity, I looked back through my monthly tracking sheet and saw that only 18 months ago, it was sitting at $100,000. In earlier Money Mails (#198), I shared my goal of hitting $100k so the “snowball” could really start rolling. Just like Charlie Munger talks about. Watching it leap from $100k to $150k in less than two years has been quite phenomenal. However, I am not getting too carried away.

Hosted on Acast. See acast.com/privacy for more information.

Economy Shrinking. Sole Traders Expanding w Hnry CEO James Fuller

Sun, 05 Oct 2025 04:04:03 GMT

We sit down with James Fuller, Co-founder and CEO of Hnry, to unpack how recent Budget 2025 changes to KiwiSaver are threatening the retirement security of New Zealand’s sole traders.

If you’re a freelancer, tradie, or sole trader or keen on learning from someone who scaled from nothing to 60,000 customers, tune in.

James shares insights from Hnry’s joint report with the Retirement Commission, revealing that only 44% of the self-employed contribute to KiwiSaver compared to 78% of employees. With the government slashing the annual top-up in half, many are now planning to cut contributions or stop altogether. Hnry stepped in, funding KiwiSaver accounts of 500 of their customers to offset the $260.72 government reduction injecting over $130,000 back into their future.

We learn about the growing contractor economy as people step away from employment and how many people are getting side hustles started.

James discusses the implications of this policy shift, from the rise of short-term investment behaviors to calls for meaningful reform and equity for independent earners.

Find James & Hnry

Instagram: https://www.instagram.com/hnrynz/

Website: https://hnry.co.nz (https://hnry.co.nz/)

LinkedIn: https://www.linkedin.com/in/jwfuller/

I believe 100,000 kiwi with better financial literacy will create a better New Zealand. The Generate KiwiSaver Scheme are helping me reach this goal. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

Amy from https://levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Hosted on Acast. See acast.com/privacy for more information.

Turning Trauma Into Performance w Sarah Robb

Wed, 01 Oct 2025 16:00:00 GMT

Why do high-achieving people still struggle with self-doubt, anxiety, and burnout, even when everything looks perfect on paper?

I sit down with New Zealand-based mindset coach Sarah Robb, founder of The Breakthrough Blueprint, to unpack the real reasons success doesn’t always silence self-sabotage.

Sarah shares how personal loss led her to the world of NLP, hypnosis, psychology, and timeline therapy and how she now helps ambitious people rewrite the mental patterns that hold them back.

We talk brain science, high-performer pressure, and why grit alone isn’t enough. Plus: actionable mindset shifts, surprising truths about confidence, and a fresh take on how to actually feel good while doing big things.

Whether you're chasing the next level or stuck in self-doubt, this one’s for you.

Find Sarah:

Instagram: https://www.instagram.com/springwithsarah/

Website: https://springwithsarah.com/

LinkedIn: https://www.linkedin.com/in/sarahrobbcoaching/

Amy from https://levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Hosted on Acast. See acast.com/privacy for more information.

MM 281 - How A Chat With The 'Pay Guy' Changed Everything

Mon, 29 Sep 2025 16:00:00 GMT

This one’s from a listener who shows exactly what happens when you take action, even if it starts small. ‘’Now I’ve got no credit card, no car payments, and a better understanding of how money can actually work for me. Your podcast changed the way I think. Now I’m planning how to grow my income and get into a house ASAP. Thank you, bro. I wouldn’t be here without your podcast."

Hosted on Acast. See acast.com/privacy for more information.

NZ’s GDP Shock, Tech Bubble Talk & the Future of KiwiSaver - Greg Smith (Generate)

Sun, 28 Sep 2025 02:00:00 GMT

Today we sit down with Greg Smith, newly appointed Investment Specialist at Generate and one of New Zealand’s most recognisable market commentators.

With two decades in the industry and a regular presence on Newstalk ZB, NBR, TVNZ and the NZ Herald, Greg brings sharp insights and plain-English analysis to the complex world of investing.

Together, we cover:

Greg’s background in finance and his new role at Generate

The NZ economy’s recent GDP shock and should Kiwis be worried?

Why some property and listed stocks are bouncing back (Argosy, Kiwi Property, etc.)

Term deposits vs shares, is cash finally moving off the sidelines?

People leaving NZ and what does this mean for investment and growth?

Global markets: the US economy at record highs, rate cuts, and whether tech giants like Nvidia, Oracle, and Intel are overvalued

Active vs passive investing: what’s the difference, and why it matters for KiwiSaver members

The growing debate on compulsory superannuation in New Zealand

If you’ve been wondering whether markets are too good to be true, how KiwiSaver might change, or how to position yourself in uncertain times, this is an episode you won’t want to miss.

Find Greg Smith:

Email: greg.smith@generatewealth.co.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.

Amy from https://levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Hosted on Acast. See acast.com/privacy for more information.

If You’re Not Your Job, Then Who Are You? w Mikey Smith

Wed, 24 Sep 2025 19:51:56 GMT

Ever stopped to ask yourself: Who am I if I’m not working? Well today we are.

In this episode, we dive deep into the topic of identity, exploring how we attach it to our jobs, what happens when work is taken away (thanks AI or unemployment), and why it's so important to know who you are beyond your title.

I’ll ask you a few tough questions, share some real-world examples, and challenge you to define you not your job, upbringing, school or the clothes you wear.

This is for deep thinkers and something we don’t talk enough about.

Set your identity up to serve you, not hinder you.

I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 280 - The Remortgage 'Scam'?

Sun, 21 Sep 2025 21:39:38 GMT

The kitchen might still be tiny. The roof still leaks in winter. The location hasn’t changed. The utility and intended use (shelter and sleep) of many of these houses hasn’t even improved. To be fair, many have depreciated. What changed was the number on the bank’s spreadsheet and therefore…what that number could let you borrow. But now, it feels like we’re seeing the full effects. And it’s hitting the next generations HARD. One generation must pass the debt to the next to keep the whole thing going!

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The Forces Behind NZ House Prices The Economists Miss

Wed, 17 Sep 2025 17:00:00 GMT

Today we sit down with Nathan Najib, Managing Director of Najib Real Estate in Christchurch, to explore a refreshing perspective on the New Zealand property market.

We discuss:

• Why Nathan refuses to “spruik” the property market.

• The key variables behind house prices in NZ that the economists miss

• Whether we really own our homes?

• What the future of NZ may look like?

While many real estate agents are keen to hype the market, Nathan takes a different approach focusing on transparency, people-first values, and long-term trust. How? Being realistic about house prices.

From starting in real estate at just 19, to founding Najib Real Estate in 2016, Nathan has built a reputation for being honest, community-minded, and unafraid to challenge the industry status quo.

Find Nathan Najib:

Instagram: https://www.instagram.com/nathannajib/

YouTube: https://www.youtube.com/@najibrealestate929

Website: https://www.najibrealestate.co.nz (https://www.najibrealestate.co.nz/)

Amy from https://levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

Hosted on Acast. See acast.com/privacy for more information.

MM 279 - If You Can Buy Now, Pay Later, Can You Save Now?

Mon, 15 Sep 2025 17:00:00 GMT

Let’s talk about one belief I keep seeing lately: The 'Have you seen the cost of living? The average Kiwi can't afford to save right now'. I get it. I really do. But you’ve got to be careful not to stay stuck there. Because saving or investing is a habit not a moment. And I’ve seen this thinking in both good and bad economic times. Why, in the tough economic times, will the debt dealers still happily give us money with interest-free finance or buy now, pay later?

Hosted on Acast. See acast.com/privacy for more information.

Why Is There So Much Financial Uncertainty In New Zealand? Financial Planner Explains

Sun, 14 Sep 2025 03:33:27 GMT

I sit down with Amy Po-Ching of https://www.levridge.co.nz to find out what she is seeing out there and it is one word: uncertainty.

Kiwi are stuck with what decision to make and what direction to go in. All of this in a time where we’ve never had more information. Perhaps that is part of the problem? Because realistically, Kiwi today can build more financial certainty than ever before.

Drawing on her DIY Financial Plan framework, Amy shares steps she uses with clients to gain clarity on their current position, set bold yet realistic goals, and choose strategies that actually work in New Zealand’s economy. From balancing lifestyle with long-term security, you’ll hear why the path to financial freedom might be clearer than you think.

As always, no part of this podcast is intended as financial advice; it is intended as general information only.

Amy from Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to https://generatekiwisaver.co.nz/change to find out more.

Hosted on Acast. See acast.com/privacy for more information.

From Broke Accountant to NZ Millionaire: My Journey | Fresh Moni Podcast

Thu, 11 Sep 2025 17:00:00 GMT

I recently sat down with Willie Leota on the Fresh Moni podcast for a deep dive into New Zealand's economy, the recent budget, and what Kiwis can actually do about their financial situation.

Checkout more podcasts from Willie on his channel Fresh Moni: https://www.youtube.com/@willieleotafreshmoni/

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Speed Wins, Not Kills. Why Are Kiwi So Slow? w Mikey

Wed, 10 Sep 2025 17:00:00 GMT

New Zealanders pride themselves on the laid-back lifestyle but in life, being too cruisey can cost you. In a world that’s moving faster than ever, speed is a competitive advantage. Speed in decision-making. Speed in execution. Speed in learning.

First, you have to know where you’re going and what you’re doing it for.

While others are still “thinking about it,” you’ve already tested, iterated, and improved. Speed creates momentum. It brings clarity. It exposes what works and what doesn’t, faster.

And for those who hate speed, being slow doesn’t always mean being thoughtful it often means being fearful, indecisive, or stuck in perfectionism. Kiwis need to shake off the “she’ll be right” mentality when it comes to life and growth.

Move faster than you’re comfortable with. Then watch how quickly things start happening.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 278 - ‘My Kids Will Have Millions…I Think’

Mon, 08 Sep 2025 17:00:00 GMT

I overheard an older gentleman talking about how great KiwiSaver is for younger people. He said: “My kids are going to have millions in there by the time they’re 65… I think.”. “I think” were the 2 words that stuck with me. Because I genuinely believe that most Kiwi don’t KNOW. So the first question is... Have you ever run your numbers to see what your KiwiSaver will be at 65?I did this recently via the Sorted website (took me less than 2mins) and actually thought I would have a lot more in there than it suggests I will.

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The Retirement Reality Check Every Kiwi Needs to Hear

Thu, 04 Sep 2025 19:00:00 GMT

I Team up with Jake from Generate and John from Kauri Wealth for this essential retirement reality check that every Kiwi needs to watch.

We break down the brutal truth about retirement costs in New Zealand and why most people are nowhere near prepared for what's coming.

Key topics covered:

The new Kiwi Saver changes: 3.5% contributions in 2025, 4% by 2028

Why the $260 government contribution cut actually makes you better off

Retirement costs: $99-$1,031 per week depending on lifestyle and location

Why NZ Super probably won't exist when you retire

Generate members vs industry averages (the results will shock you)

The value of getting proper Kiwi Saver advice

How much you actually need by age 30, 40, 50, and 65

Why using Kiwi Saver for your first home might be a mistake

Hosted on Acast. See acast.com/privacy for more information.

Living Off Equity | Building Tech & Wealth in NZ w Mahesh Muralidhar

Wed, 03 Sep 2025 17:00:00 GMT

Meet Mahesh Muralidhar, the tech executive, investor, and the man on a mission to birth 10 billion-dollar Kiwi startups by 2026.

Mahesh shares the lessons he learned scaling global giants like Canva and Airtasker, and why he returned home to lead the charge in New Zealand’s tech ecosystem through Phase One Ventures.

We dive deep into:

• What’s holding Kiwi tech back and how we can fix it

• Why wealth-building isn’t a dirty word in New Zealand

• How to think globally (even if you’re starting in a small market)

• The mindset shift founders need to scale

• Why young Kiwis should be bullish on tech and ownership

This conversation is packed with gems for anyone who wants to grow their impact, income, or understanding of business in the modern economy. Whether you're a founder, investor, or someone just starting out this episode will expand your view on what’s possible in Aotearoa.

Find Mahesh On Insta: https://www.instagram.com/mahesh.akl/

Find Phase One Ventures: https://www.phaseone.ventures

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

Hosted on Acast. See acast.com/privacy for more information.

MM 277 - 44% Of Kiwi Do Not Have An Emergency Fund

Mon, 01 Sep 2025 17:00:00 GMT

Having an emergency fund has changed my life. Why? Well it changed who I was. So let’s start putting SOMETHING aside. Just like this person did: The assurance and peace it gives you having an emergency fund is second to none! The thing people don’t realise is start small and the relief from stress of your car breaking down or the likes lessens. It’s not too late, get started and save one. Or maybe it's time to bump it up a little for how expensive life has become.

Hosted on Acast. See acast.com/privacy for more information.

Proximity. Get Around THESE People w Mikey Smith (http://GuardianSmith.co.nz)

Wed, 27 Aug 2025 17:00:00 GMT

The Power of Proximity: Get Closer to What You Want! Today we define and explore the concept of proximity why getting closer to action, opportunity, and the right people can change your life.

As the economy begins to shift, now is the time to lean into environments where people are thinking bigger, doing more, and moving forward.

Whether it’s health, wealth, mindset, or momentum proximity is a strategy we can all embrace.

We share real-life examples from our own journeys and unpack how you can start using this powerful tactic today.

Don’t ignore proximity!

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MM 276 - No one’s immune to money problems (even wealthy Wendy)

Mon, 25 Aug 2025 17:00:00 GMT

We each don’t know what each other are REALLY going through. We may all have different incomes. Different realities. But the key to remember? Money doesn’t miss anybody. Instead of wishing for someone else’s life, what if you started reshaping your own? Tidy up one thing. One money issue at a time. Start with where you are and build from there. How could YOUR life be better if you tidied up some of the money issues YOU have? Because, you can!

Hosted on Acast. See acast.com/privacy for more information.

The Ultimate NZ Emergency Fund Guide

Wed, 20 Aug 2025 22:39:09 GMT

Recently I teamed up with Lighthouse Financial and Sorted for this emergency fund masterclass, and it's exactly what every Kiwi needs to hear right now. 44% of Kiwis don't have an emergency fund. That's 2.3 million adults walking around completely exposed to life's curveballs.

In this session, James from Lighthouse, Tom from Sorted, and I break down:

Why you need $1,000 before you do anything else
The real cost of not having emergency money (hint: it's not just financial)
How to calculate your actual emergency fund target
Why revolving credits sound good but usually backfire
The tools that actually work to build your fund

We kept this practical, no-nonsense, and focused on what works in the real world. No theory, just the stuff that will actually help you sleep better at night.

If you're one of those 2.3 million Kiwis without an emergency fund, this is your wake-up call. And if you've got one but haven't reviewed it lately, we'll show you how to make sure it's actually fit for purpose.

This is Money Month content that could genuinely change your financial future.

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MM 275 - 'Not Everyone can be a Business Owner’ – No Sh*t

Mon, 18 Aug 2025 17:00:00 GMT

You see it online all the time: “Not everyone wants to be a business owner. Well, no sh*t. You don't often hear: ‘’Not everyone can be an employee.’’ Right now, over 406,000 Kiwi are currently receiving a form of ‘main benefit’ government support. Imagine if just 10% of those 406,000 people were equipped with boring ole income-generating skills? Why haven't we normalised this?

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Coach of Champions: Eugene Bareman on ‘Voluntary Adversity’

Mon, 18 Aug 2025 01:06:12 GMT

What makes a great fighter and an even better coach?

City Kickboxing head coach Eugene Bareman opens up about his journey into fighting, the critical role of self-discipline, and why mental toughness matters more than raw talent.

We explore the reality of big paydays, the resilience required to stay at the top, and how he’s helped shape a culture where even the biggest superstars stay grounded.

From humble beginnings to putting New Zealand on the global MMA map, this episode is packed with insight, honesty, and the mindset behind building champions.

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Hosting At Your House. Quitting Corporate To Be Creative w Rose Dining Table

Wed, 13 Aug 2025 16:59:00 GMT

Today, we sit down with Rose Kennedy, the visionary behind Rose’s Dining Table (https://www.rosesdiningtable.co.nz/), a unique experience that turns dining into a form of creative expression.

From quitting her full-time corporate job because she knew she wasn’t herself, to designing immersive dining experiences across New Zealand, Rose shares how her signature pink dining table became a symbol of connection, creativity, and conceptual hospitality.

We talk about the power of shared meals, building a brand rooted in emotion and design, and how one bold idea can create space for community, conversation, and unforgettable experiences.

Find Rose:

Instagram: https://www.instagram.com/rosesdiningtable

Website: Rosesdiningtable.co.nz (https://www.rosesdiningtable.co.nz/)

LinkedIn: https://www.linkedin.com/in/rose-kennedy-777705171/

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.

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He Makes Money Teaching People How To Make Money Cleaning Cars w Aaron Wilton-Jones

Tue, 12 Aug 2025 17:00:00 GMT

Prepare to be inspired by Aaron Wilton-Jones, entrepreneur, TikTok sensation, and co-founder of Autoclean Premium Detailing. The once skydiving instructor launched a thriving car detailing business that changed his life and took him on a journey to making more money online than he had from cleaning the cars.

With over a million combined followers on social media, Aaron is now teaching thousands worldwide how to build successful detailing businesses and many pay him to do this through the Autoclean Detailers Academy.

In this episode, Aaron shares the chapters of his journey, the strategies behind his social media success, and valuable insights on overcoming adversity to build a purpose-driven business. We dive into the world of online courses, Kiwi scepticism, making a lot of money, and much more!

Whether you're an aspiring entrepreneur or simply love a good resilience story, Aaron's journey will motivate you to turn challenges into opportunities.

If you need to find Aaron, do that here: https://autoclean.co.nz/about-us/

Instagram: https://www.instagram.com/autocleanacademy/

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MM 274 - They ‘Say’ They Want Better. But Do They?

Thu, 07 Aug 2025 17:00:00 GMT

Sometimes I find myself wondering…what if the reality is that most people don’t actually want to accept what it takes to make their lives better? Billion-dollar wisdom can be served up cheaper than your $7 trim flat white you need to go for a walk. It’s almost as though, now that it’s all sitting in front of us, we are thinking ‘I better pretend I don’t know, so then I don’t need to take action’. We are running out of excuses with the amount of barriers that have been bashed down for us by people trying to make our lives easier to succeed. Let's explore some of the ways other people have made our lives even easier than we could have dreamed of.

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Unemployment Hits 5.2% 400,000 Kiwi Want More Work

Thu, 07 Aug 2025 04:52:49 GMT

Unemployment Hits 5.2% 400,000 Kiwi Want More Work

We’ve got to the stage of the cycle where more people than ever want more employment. But many are fishing in the wrong pond or using the wrong fishing line altogether. Why? Well they haven’t been taught how to fish. What if more of them knew how to increase their income by other means? Back when unemployment was 3.3% I was encouraging people to learn how to make more money and I will explain why.

I will explain what I think one of the major headwinds the economy has that may see unemployment increase further from here too! Please be prepared.

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How Dosh is Taking On the Big Banks in NZ & Why 40,000+ Kiwis Are Switching

Wed, 06 Aug 2025 16:59:00 GMT

Banks are slow. Fintech is fast. Dosh is here to shake up how money moves in New Zealand.

In this episode, we chat with Shane Marsh, one of the co-founders behind Dosh about the pain points they're solving, what financial innovation actually looks like, and what’s next in the race to modernise Kiwi banking.

Over the past four years, they’ve rolled out savings accounts, cash back debit cards, and even mortgages: already serving over 40,000 Kiwis and now they have their sights set on becoming a household name in the banking space.

Whether you're a tech lover, business owner, or just tired of waiting for transfers, this one's for you.

Find Dosh: https://www.dosh.nz

Instagram: https://www.instagram.com/dosh_new_zealand

As always, no part of this podcast is intended as financial advice; it is intended as general information only.

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MM 273 - What The Hell Is Debt Recycling?

Thu, 31 Jul 2025 17:00:00 GMT

A person recently explained that they borrowed money against the equity in their property to invest into shares. They came into some money and paid down non tax-decuctible debt and then turned around and borrowed it to by stocks. Because the new loan is used for investment purposes, the interest is now potentially tax-deductible (not tax advice!!!). We dive into the world of 'debt recycling'.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Getting The Girls Off: Selling Sex Toys To The World (& Pensioners...) w Viv From Girls Get Off

Wed, 30 Jul 2025 19:05:27 GMT

I sit down with Viv from Girls Get Off, a trailblazing brand challenging societal norms and empowering women to embrace their pleasure and confidence.

We dive into Viv’s journey as a founder, the challenges of disrupting the status quo, building a strong community, and what it really takes to grow a purpose-driven business when the powers that be won’t let you run any advertising.

Viv shares valuable insights about branding, authentic leadership, and why it's time to stop playing small.

Whether you're a budding entrepreneur or someone passionate about shaking things up, this conversation is packed with bold lessons and practical takeaways.

Find Girls Get Off: https://girlsgetoff.com/

Instagram: https://www.instagram.com/girlsgetoff/

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MM 272 - Has The Property Bubble FINALLY Popped?

Fri, 25 Jul 2025 02:35:40 GMT

Put simply: this is a buyer’s market, and it’s looking even colder in winter. Will prices keep falling? Will FOMO return? Will interest rates spark another surge? Maybe. Maybe not. I don’t know, but I can't see where the demand will come from. Here's my case for why housing will be flat for another 12 months.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Buyers Bought Wrong & Now Pay The Price | Predictions | Negotiation w Tama Singh

Wed, 23 Jul 2025 16:59:00 GMT

The property market has been flat for some time and many people are hurting with the fact that they bought poorly in the peak. Tama is seeing this frustration in his DM’s.

In this episode, we sit down with Tama Singh, a Kiwi property coach with over 200 deals done. This is his third time on the podcast so we find out whats changed, how many flips he has done and what he is seeing in the market.

We talk strategy, mindset, weakness, AI content, and how everyday Kiwis are still flipping, investing, and cash flowing their way to long-term wealth.

Tama has helped hundreds of people unlock profitable opportunities in the NZ property market through his seminars, 1:1 mentoring, and the InvestorPro app. Whether you're a first-time investor, first home buyer or ready to level up your portfolio, this episode breaks down what it takes to win in today’s market.

We cover:

The biggest mistakes current investors make
How to find deals that actually make sense
Common traps first-time buyers fall into
The power of coaching and community
Why education is your biggest investment
Real-world stories of everyday people changing their lives through property

If you want practical, no-fluff insights from someone who’s walked the walk, Tama brings the goods.

How to find Tama: https://tamasingh.com

Investor Pro: https://investorpro.co.nz

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MM 271 - Who’s Responsible For Your Retirement?

Sun, 20 Jul 2025 17:00:00 GMT

Maybe, like me, you’ll decide that if the current system isn’t enough, it’s time to take matters into your own hands. From there, if you feel strongly enough about this, campaign for further change too. Put your own bloody life jacket on first. I get it, the economy is tough and the cost of living sucks, but there will always be something demanding your dollars. It’s not about perfect timing. It’s about progress. Let's get it done!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Beneficiary Raises Millionaire: My Mum & Money

Wed, 16 Jul 2025 16:59:00 GMT

I sit down with my Mum to unpack the money lessons that shaped her (and maybe me!), personally and financially. I learn plenty including a surprise that she manages 11 bank accounts and I ask her why!

From childhood jobs and frugal habits to navigating tough times and celebrating financial wins, Mum shares the stories, values, and moments that defined her relationship with money. We look at how I’ve adopted some of these and put my own spin on them.

We dive into some sage Baby Boomer advice and what she wish she knew about money. There is plenty in here on hardships & resilience: facing financial challenges head‑on. Tune in to hear a moving blend of nostalgia, insight, and practical wisdom passed down across generations.

Whether you’re building your own financial journey or reflecting on your family’s money stories, this episode will get you thinking and questioning where your money beliefs came from.

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EXPLICIT Stop F@*king Conforming. Win The Mind: Win Your Life (Mental Performance Coaching) w David Niethe

Fri, 11 Jul 2025 05:00:00 GMT

Note: this is the same podcast we recently released, but without the swearing bleeped out due to popular request

Strap yourself in because today we sit down with mental performance coach David Niethe, author of the book The Winning Mindset. Weightlifters, Lydia Ko, Israel Adesanya, Olympians, Millionaires - just a sample of Dave’s clientele.

Together, we explore how the same mental tools used by elite athletes and performers can be applied to our lives and finances. From overcoming self-doubt to building discipline with your dollars, this episode dives into the psychology of success, not just on the field or stage, but in your wallet.

Whether you’re stuck, chasing your potential or just hungry to learn, David shares insights that will help you sharpen your mindset and shift your life for good.

And finally, how do we all stay calm under pressure? Let’s find out.

Find Dave: https://davidniethecoach.com

Find Dave’s Book: https://taplink.cc/winningmindset

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://generatekiwisaver.co.nz/change to find out more.

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Money Mail 270 - 'My house is my retirement plan' Really???

Thu, 10 Jul 2025 23:19:43 GMT

It’s often said with confidence, like ‘duhhh how do you not know this?’. But where did this saying come from and does it even make sense anymore? I get it, it sounds comforting. Sensible. Even savvy. Like you’ve got it all figured out. But it's another financial throwaway line that hides a much harder truth: owning a home doesn’t guarantee financial security in retirement. Let's get real for a second and see how sound this saying is.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Crypto in 2025: Bitcoin to $1mil? Major Themes w Paul Quickenden (Easy Crypto)

Wed, 09 Jul 2025 16:59:00 GMT

Paul Quickenden, Chief Commercial Officer at Easy Crypto is back on the podcast and we explore the dynamic world of cryptocurrency in 2025. Easy Crypto recently sold too so we will find out what that is about and where to next.

We delve into:

Bitcoin's Evolution: is Bitcoin transitioning from a volatile asset to a more stable investment option, potentially becoming the 'new boring' in the investment landscape?
Other Crypto Options: The rise and impact of meme coins, and what they signify for the future of digital assets.
Where To Go To Lean: Identifying common places other people are using to learn more about the crypto world.

With over 250,000 users in New Zealand, Easy Crypto has been at the forefront of making cryptocurrency accessible and secure. Paul brings a wealth of experience from his roles in blockchain consulting and product strategy, offering a unique perspective on the current and future state of crypto.

Whether you're a seasoned investor or new to the crypto scene, this conversation will provide valuable insights into the trends shaping the digital currency landscape today and beyond.

How to find Paul: https://www.linkedin.com/in/paulquickenden/?originalSubdomain=nz

How to find Easy Crypto: https://easycrypto.com/nz

As always, no part of this podcast is intended as financial advice; it is intended as general information only.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

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Stop F@*king Conforming. Win The Mind: Win Your Life (Mental Performance Coaching) w David Niethe

Tue, 08 Jul 2025 05:00:00 GMT

Strap yourself in because today we sit down with mental performance coach David Niethe, author of the book The Winning Mindset. Weightlifters, Lydia Ko, Israel Adesanya, Olympians, Millionaires - just a sample of Dave’s clientele.

Whether you’re stuck, chasing your potential or just hungry to learn, David shares insights that will help you sharpen your mindset and shift your life for good.

And finally, how do we all stay calm under pressure? Let’s find out.

Find Dave: https://davidniethecoach.com

Find Dave’s Book: https://taplink.cc/winningmindset

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

Hosted on Acast. See acast.com/privacy for more information.

Why Do Kiwi HATE Talking About Making More $$?

Sun, 06 Jul 2025 17:00:00 GMT

An Instagram live with Mikey to brainstorm some ways to make more money and what gets in our way when really it is so much simpler than we realise.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Money Mail 269 - Hard Work Isn't Enough Anymore? Sorry To Say This!

Fri, 04 Jul 2025 00:07:58 GMT

I had many hard working roles when I grew up. BUT I noticed something…if I did overtime or worked public holidays, I’d earn 1.5x or 2x. That got me thinking: why am I suddenly worth double for doing the same job? Eventually, I learned something that changed my life: you’re not paid for the hour, you’re paid for the value you bring to the hour. That’s a confronting idea and we need to explore it.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Owns $20m In Property, But She Rents. Find Out Why with Ilse Wolfe

Wed, 02 Jul 2025 17:00:00 GMT

Some Kiwis are waking up to a different way to build their property portfolio: rent-vesting. Blasphemy you say? Or maybe just a fad?

In this episode, Ilse joins us to unpack how renting where you want to live and investing where the numbers make sense can supercharge your wealth without sacrificing lifestyle.

We dive into:

– How to use location arbitrage to your advantage

– Adding value in a market with no capital growth

– Ways to maintain borrowing power and scale strategically

– What she is seeing in the property market around the country

This is a must-listen for anyone thinking about rent-vesting or wanting to invest in property during their life.

Find Ilse: https://www.wolfeproperty.co.nz/

I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to https://generatekiwisaver.co.nz/change to find out more.

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ATF - Sorry, But The Answer Is Make More Money w Mikey Smith

Wed, 02 Jul 2025 01:02:06 GMT

We are asked so many questions about peoples complicated scenarios and it is very clear that the answer is to make more money. So why do we pussy foot around this conversation in NZ? Why are we lying to people and not telling them the truth that they need to earn more? What if we looked at making more money as a new language? Let’s dig in.

This podcast features Mikey Smith of https://guardiansmith.co.nz

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Money Mail 268 - Keeping Up With ‘The New Jones’s’

Fri, 27 Jun 2025 00:13:02 GMT

We are all familiar with the saying Keeping Up With The Joneses. BUT there’s been a BIG change. The Joneses got rich. And you know what they are doing with it? They started passing it on. The bank of Mum and Dad is now said to be the 5th biggest lender in New Zealand. And here you are. No Mr or Mrs Jones backing your big moves. But unfortunately, here you also are: comparing yourself to your mates who have had the benefit of the bank of Mum and Dad. Let's explore the danger of this comparison.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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9 Years A Teacher to Real Estate. 4x The Income In 3 Years. A leap of Faith w Fraser Kilgour

Wed, 25 Jun 2025 20:03:48 GMT

Stuck at the top of the teaching pay scale, stretched with a young family, and watching inflation outpace his income, Fraser Kilgour made a bold move. He left his secure government job to jump into the world of real estate.

Backed by nothing more than a strong work ethic, an amazing wife, a leveraged property portfolio, and a desire for more.

In this episode, Fraser shares:

What it’s like to walk away from a “safe” career

The mindset shift needed to pursue higher income

Wed, 04 Jun 2025 17:00:00 GMT

He’s back! We finally tracked him down and ask him what he is seeing out there. In this episode, Mikey Smith (mortgage advisor & CEO of Guardian Smith) joins us to unpack the current state of the New Zealand economy.

We dive into the key changes from the recent Budget, what’s happening in the mortgage and housing market, and the bigger picture of where we’re at in the economic cycle.

Are we past the worst of it?

Could things start to pick up in late 2025?

We bloody well hope so!

Get real insights from the ground and a clear-eyed take on what’s shaping the future for Kiwis.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.

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NZ Has Changed FOREVER & Some Can't See It

Mon, 02 Jun 2025 00:07:02 GMT

5 years ago I went live on Instagram warning people about what 'free' money could mean. 5 Years on I go live to share what I think we've seen happen.

New Zealand's economy has fundamentally changed and won't revert to how things were. In this video, we explore how to adjust to these economic shifts, emphasizing the importance of controlling your own income. We discuss the current economic climate, the impact of inflation and rising property prices, and practical strategies to increase your earning potential. Discover why "skills pay the bills," and learn actionable tips for navigating uncertainty, leveraging opportunities, and staying ahead despite economic challenges.

1. Economic Landscape Has Changed:

NZ economy won't return to pre-pandemic norms.

Current environment remains challenging, despite expectations of improvement by 2025.

Interest rates peaked and are slowly declining, but economic recovery is gradual.

2. Economic Lessons from the Pandemic:

Pandemic showed economy's resilience due to digital solutions (Shopify, online stores, remote working).

Revealed that the economy shifted significantly towards digital and skills-based sectors.

3. Inflation and Housing:

Wage growth projected at 2.6%, while housing prices expected to grow at 6% annually.

Imbalance between wage growth and property inflation highlights a fundamental economic issue.

People are leaving for better economic opportunities overseas (e.g., Australia).

4. Importance of Controlling Your Income:

Relying solely on wages won't keep pace with inflation or asset growth.

Increasing your income through skills is essential ("skills pay the bills").

Government budget and policy won't significantly boost wages or ease pressures soon.

5. Examples of Increasing Income:

Examples include car cleaning, photography services, and value-added services for older, wealthier demographics who value convenience.

Side hustles, skills-based work, and entrepreneurship can significantly boost income.

The key is identifying what people value and are willing to pay for.

6. Leveraging the Flow of Money:

Position yourself near economic activities (e.g., sports events, community activities) to capture money flows.

Identify niches and areas where spending is consistent, even in economic downturns.

7. Personal Wellbeing:

Prioritise mental and physical health for sustained success and resilience.

Maintain self-care routines to navigate economic and personal challenges.

8. AI and Technological Disruption:

AI and technology will disrupt traditional jobs; prepare by diversifying skills and income sources.

Government hasn't effectively addressed AI's economic impact; individuals must adapt proactively.

9. Practical Resources:

Keep the Change podcast episodes and webinars offer practical advice (e.g., increasing income by \$10k, managing finances).

Encouragement to use available free resources to educate yourself.

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Money Mail 264 - Budget 2025 - Men Lie, Women Lie, Numbers Don’t

Thu, 29 May 2025 17:00:00 GMT

Last year, I said the new government was going to have a hard time balancing the books. Why? Because they always do. Fast-forward to Budget 2025, and the numbers are in as are some major changes. Let’s breakdown a couple of the goodies….KiwiSaver changes: FINALLY! A push to save more. Investment Boost: telling businesses to 'get on with it'. What does this all mean for you?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Running the Distance: Business, Sport & Motherhood w Janelle Cavanagh from Withers & Co.

Wed, 28 May 2025 17:00:00 GMT

Ever wondered how to juggle running a thriving 7-figure business, elite-level sport, and family life all at once? That’s above my pay grade but not this guests.

Meet Janelle Cavanagh from Withers & Co. business owner, sub-4-hour marathoner, MVP of the 2019 Touch Rugby World Cup, and proud member of Canterbury Touch’s “Legend Club”. Beyond the accolades, Janelle is also a dedicated mother of a 3-year-old boy and stepmother of two teenage girls.

In this candid conversation, Janelle opens up about:

How lessons from elite sport translate into building a successful business.
The realities of balancing motherhood, entrepreneurship, and athletic ambition.
Finding time for personal passions like travel and reading amidst a busy life.
Her mindset secrets for consistently high performance in sport, business, and at home.
How she viewed money during her upbringing and what that means for her current life choices.

If you want insights on achieving success in multiple areas without burning out, Janelle’s story will inspire you to redefine what’s possible.

Find Janelle here: https://www.withersandco.nz

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

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Money Mail 263 - 5 Years Of Money Mail. 260+ Fridays. What Now?

Mon, 26 May 2025 01:25:07 GMT

The first edition went out on the 22nd of May 2020. 201 of you signed up. Mostly my mates or people I know. Today, it is quite surreal to say that tens of thousands of people read and listen each week across email, podcast and socials. That’s 260+ weeks of showing up. Of writing. Of thinking. Of reminding you (and myself) that we can take control of our finances, our thinking, and our future. So where to from here?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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He Made Millions Helping Tradies Grow Their Businesses: Marti Amos

Wed, 21 May 2025 17:00:00 GMT

He’s Helped 2,500 builders Achieve Financial Freedom & Control with Marti Amos

Ever wondered why some builders thrive while others constantly struggle with stress, finances, and chaos?

In this episode, we’re joined by Marti Amos, founder of The Professional Builder (TPB), a global coaching company dedicated to transforming residential builders into profitable, systemised businesses.

Marti shares his own incredible journey from humble beginnings on Stewart Island, through multiple businesses, financial setbacks, and life-changing lessons to now building TPB into a global success that’s helped over 2,500 builders achieve genuine financial freedom and control.

Listen in to discover:

The key mindset shift every tradesperson must make to become a successful business owner.

Three crucial areas builders often get wrong (and how to fix them): systems & team, sales & marketing, and pricing & numbers.

The importance of building a predictable pipeline to secure work months in advance.

Practical strategies for creating systems that remove stress and bring clarity to your business.

How Marti bounced back from near-bankruptcy to build a global coaching brand.

If you’re tired of the daily grind and ready to take your trade business to the next level, this conversation with Marti Amos provides actionable insights and a clear roadmap to help you build more than just houses and build true wealth and freedom.

Ready to stop working IN your business and start working ON it? This episode is for you.

How to find The Professional Builder: https://theprofessionalbuilder.com/

Download TPB's Resource: 151 Ways To Make An Extra $500 - $1000 Per Project, Per Week For Your Construction Company https://info.theprofessionalbuilder.com/151ways?utm_source=ktc&utm_medium=partner&utm_campaign=KTC&utm_term=KTC&utm_content=KTC

Marti's giving away 100 free books to KTC listeners (limited time), get your book here: https://profitablebuilderbook.com/get-the-book

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Money Mail 262 - I Needed A Battery. I Found A DIY Wonderland

Mon, 19 May 2025 05:58:54 GMT

I ended up venturing into a large department store for the first time in ages. DIY and home improvement aren’t exactly my forte, so I don’t have too much reason to go into these stores. But walking into that store was an eye-opener. I was blown away by the sheer volume of things you could buy for your home. I started jotting down some of the wildest items I saw, but you probably already know Luke and to save you the punishment, my two favourites were hot water bottles for your neck and ribs (ideal if you’ve just spent $4,000 on a smoker next to the meat fridge).

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Higher Incomes Don’t Mean Freedom. Financial Truths w Shula Newland

Wed, 14 May 2025 17:00:00 GMT

Shula Newland is the founder of FULL Balance Financial Coaching and we sit down to unpack what true financial empowerment looks like.

Shula’s journey to independent financial coach started with a knack for saving and a desire to help others take control of their money. Now, she’s helped over a thousand Kiwi reduce debt, build savings, and take back control of their financial future without selling a single product.

We talk practical budgeting, financial hardship, debt stress, how to plan for life’s curveballs, and why your money should reflect your values. Whether you're living paycheck to paycheck or just want to get ahead faster, this episode will show you how financial coaching can change your life.

Don’t forget to explore your Money Personality: https://fullbalance.co.nz/money-quiz-saving-money-feelings-about

How to find Shula: https://fullbalance.co.nz

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Money Mail 261 - What 20 Years Of Investing Taught Me

Mon, 12 May 2025 17:00:00 GMT

May 2025 marks 20 years since I purchased my first share. I was fortunate enough to start learning about the stock market at high school. At 16 I got Mum to co-approve a share account for me and bought my first stocks. I bought 520 Auckland International Airport shares for $1.94. Here's what I have seen and learnt in that 20 years.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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From Soap Buckets to Signing Leases at 17 - Max Tebbs, Clean Car Collective

Wed, 07 May 2025 22:42:23 GMT

At just 13, Max Tebbs started cleaning cars to fundraise for refugees. Today, the 18year old runs Clean Car Collective, Wellington’s leading car detailing business with a full studio, mobile fleet, and over 125 five-star reviews.

In this episode, Max shares how he turned a side hustle into a thriving company (including signing a lease at 17) and how he’s balancing business growth with his personal journey toward financial independence. Max’s story is a great reminder that you don’t need to wait for permission to build something meaningful and that smart financial thinking can start at any age…even at 13!

We cover:

• Scaling from solo operator to team leader

• Smart money moves for young entrepreneurs

• Marketing lessons (and early mistakes)

• Wild stories from working on high-end cars

How young people are thinking differently about money today

• Why “burnout” needs to be explored not just accepted

If you're building your own thing, thinking about your future finances, or just love a good underdog story, this one’s for you.

Max business: https://cleancarcollective.co.nz

LinkedIn: https://www.linkedin.com/in/max-tebbs-011468253/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 260 - Is Debt Stress Secretly Ruining Your Life? Warning: Confronting!

Mon, 05 May 2025 17:00:00 GMT

With access to debt being so easy, we can all access more than we can truly afford, ahead of time. This is how a debt-based system works. These days, you can finance almost anything. But what about when we take on more than we can really handle? How do we navigate this and be realistic with it? Let's explore!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

The Marketer Behind My Madness w Roimata from BurstDigital.co.nz

Wed, 30 Apr 2025 17:00:00 GMT

Tired of seeing Keep The Change and nextAdvisory everywhere? Blame Roimata. She’s the person behind the execution of a lot of the marketing ideas I have for my ventures and helps me get in front of more people so that we can change the wealth of the nation.

Roimata founded Burst Digital in 2023. A marketing agency built to do good, not just look good. With over 11 years of experience and a track record of helping 250+ businesses generate millions in revenue throughout her career, Roimata now helps business owners simplify their digital strategy, attract more customers, and build sustainable growth.

In this episode, we dive into:

Her journey to hiring
Why most marketing advice isn’t built for real businesses
How to stop relying on hope and start using proven systems
The biggest mistakes businesses make when it comes to ads, content, and funnels
What it actually takes to scale without burning out

Roimata’s insights and inspiration might just be the shift you need.

How to find Roi: https://www.burstdigital.co.nz

📸 Instagram: @roimatamarketing @burstdigitalnz

🎙 Podcast: Morning Marketer

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Money Mail 259 - Renting Out A Room? AirBNB Income? Paid Tax?

Mon, 28 Apr 2025 17:00:00 GMT

The IRD could very easily write to AirBNB (or similar) and ask for a list of users. Same thing for people who have lodged a bond or listed a room for rent on Trade Me. Then they could cross-check this to a tax return to see if there is a form of rental income in it. In New Zealand, we have a responsibility to report our own forms of income. This should serve as a reminder for those of you who are renting out your property, AirBNBing it or getting a tenant in that you may want to be across the tax obligations and ensure you’re compliant.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

‘’Moneys Broken’’, Bitcoin Fixes It? Leaving NZ For Japan w Cody Ellingham

Wed, 23 Apr 2025 17:00:00 GMT

From the neon nights of Tokyo to the freedom tech of tomorrow, Cody Ellingham is on a mission to reimagine how we see the world and how we value it. A Kiwi creative now based in Japan, Cody blends photography, storytelling, and Bitcoin thinking to explore the shifting landscapes of money, cities, and human freedom.

In this episode, we dive into his journey through art, his popular podcast The Transformation of Value, and why he believes Bitcoin is more than money, it's a mindset.

Whether you're a Bitcoiner, a creative, or just curious about what happened to money, this conversation will expand the way you see value in the world around you.

These thoughts and opinions are Cody’s and none of this is intended to be financial advice.

How to find Cody: https://codyellingham.com

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 258 - How To Stay In ’Push Mode’ Like A F1 Driver

Thu, 17 Apr 2025 17:00:00 GMT

Apparently, in Formula 1, 'Push mode' refers to a temporary engine or battery setting that allows a driver to maximise performance for a short period, typically to overtake a rival, defend a position, or set a fast lap. We can activate push mode when we need to, but a lot of the time we don't even know we are capable of it. What if we challened ourselves to activate it and use it to get furhter ahead?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Building Wealth, Burn Out & Busy Twins w Amy Po-Ching of Property IQ

Wed, 16 Apr 2025 17:00:00 GMT

From dropping out of school at 16, buying her first property at 18 to building a business for sale, Amy Po-Ching knows what it takes to succeed in property, business & life.

Amy is an award winning financial adviser, mortgage broker, and founder of Property IQ, Amy has helped thousands of Kiwis get into their first home, grow investment portfolios, and unlock financial freedom.

She has built a business, been broke and sold a business only to retire and find it boring. Her mission is to now help Kiwi people put financial plans together. Before investing in anything, it starts with why? Amy is on a mission to help her clients answer this question.

In this episode, Amy shares the lessons from her 20+ years in the market, her advice for first-home buyers and investors, and why she believes anyone can build wealth with the right mindset and strategy. If you want to get serious about property, this one’s a must-listen.

How to find Amy: https://propertyiq.org.nz/

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 257 - Liquidation: How Some Businesses Delete IRD Debt Without Paying

Mon, 14 Apr 2025 17:00:00 GMT

I read an article recently about a company who owed over half a million dollars to the IRD and was now unable to pay. I checked the companies office, which is a register of all companies in NZ, and this company has been put into liquidation by one of the shareholders. Days later the same shareholders and directors had a new company under a different name and that would start with $0 in tax owing to the IRD. Say what? How dos this work? Let's find out.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

From A Rental To The Richlist. Why Aussies Are Coming For NZ Commercial Property w Scott O’Neill (https://www.rethinkinvesting.co.nz)

Wed, 09 Apr 2025 17:00:00 GMT

Ever wondered how to tap into the lucrative world of commercial real estate but weren't sure how or where to start? In this episode, we chat with the team behind Rethink Investing New Zealand, the country's premier commercial property buyer's agency.

With over $5 billion in successful transactions and thousands of happy investors across Australia, Rethink Investing have got their sights set on helping New Zealanders. They specialise in helping everyday investors secure high-yielding commercial properties, often off-market, before others even get a look in.

In this podcast, we sit down with Scott and explore:

The hidden advantages of commercial property investing
How they access exclusive off-market property deals
Essential strategies for due diligence and negotiations
Real-life success stories from Kiwi investors growing their wealth
Why having a dedicated buyer’s agent can transform your investment results

Scott turned his early ambitions into a property empire worth over $110 million. Tune in to find out how it all started and what he is doing now.

If you’re ready to level up your property game and achieve financial freedom through strategic commercial investing, tune in and rethink what's possible with your investments. Even if you might not be ready for this now, it doesn’t mean you can’t learn.

Set a winning financial plan – Budget smarter without feeling restricted.

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 255 - Thousands ''Sick & Tired Of Survival Mode''

Mon, 31 Mar 2025 16:00:00 GMT

I recently came across a video where someone shared their frustration and exhaustion over the rising cost of living. The video highlighted that those earning above the median income are struggling too, and the situation is worse for those earning less. “I’m working harder than ever, but I’ve got less to show for it.” This isn’t just one or two people feeling this way. There were thousands of comments. What the hell is going on?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

MY2CENTS - 2025 Will Be Just As Tough As 2024 🫣

Sat, 29 Mar 2025 21:00:00 GMT

This is the audio from a recent YouTube video that you might find interesting.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Why Does Having Money Scare You? The Fear of Money w Mikey Smith (GuardianSmith.co.nz)

Wed, 26 Mar 2025 16:00:00 GMT

Why does having money sometimes feel more stressful than not having it? In this episode, we explore the fear, uncertainty, and pressure that can come with receiving a lump sum of cash or more than we once expected to have.

From the anxiety of making the "right" investment to the deeper mindset challenges around wealth, we unpack why money feels like a burden and how to shift that perspective. This topic came from 2 people who recently said that they are ‘scared’ of money they are about to have.

We’ll dive into personal stories, the psychology of financial confidence, and practical steps for managing money wisely. Whether you’ve come into unexpected wealth or just want to improve your relationship with money, this conversation is designed to get you thinking.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 254 - 30% Get This Wrong About Dividends, Will You?

Mon, 24 Mar 2025 16:00:00 GMT

I recently asked 500 people whether dividends were a capital gain. Have a think about that answer. 30% think that they are. A reminder that dividends are a form of payment from a company's profits. Dividend - a sum of money paid by a company to its shareholders out of its profits (or reserves). One of the benefits of investing is that you get to learn more about how finance works. You start to learn the language of shares, dividends, imputation credits, taxes, realised vs unrealised etc.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

I Went Back To My Old High School

Sun, 23 Mar 2025 10:18:51 GMT

This week, I had the privilege of returning to my old high school to speak at assembly. I wanted to share some key lessons from my speaking journey so far and insights that might help you as well. I’ll also touch on some of the messages I shared with the young lads. Hopefully, you’ll find some inspiration in this episode too.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

MY2CENTS - How To Get Your Partner On Side With $$ In New Zealand

Sat, 22 Mar 2025 21:00:00 GMT

This is the audio from a recent YouTube video that you might find interesting.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Why Personal Brands Win (And Everyone Else Gets Left Behind) w Stanley Henry (AttentionSeeker.co.nz)

Wed, 19 Mar 2025 16:00:00 GMT

This man knows how to get attention and turn it into serious business growth. In just 6 years, Stanley Henry has built The Attention Seeker from 0 to 40+ staff and isn’t slowing down. They work with some of the biggest names in the game and hit millions of eyeballs every week with their content.

In this episode, we dive into why your personal brand isn’t optional anymore and how ignoring it is costing you opportunities. Whether you are starting out in business, employed or wanting people to see your idea, this is for you.

We explore…

🔹 What’s stopping most people from posting (and how to get over it)

🔹 Why business owners, professionals & entrepreneurs need a brand

🔹 The mindset shift that helped Stanley scale so fast

🔹 What’s next for him and how he’s thinking even bigger

This isn’t just theory or for business owners only, it’s inspiration with a game plan. If you want to stand out, grow, and unlock new opportunities, this episode is a must-listen.

Find Stanley here: https://www.linkedin.com/in/stanleychenry/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 253 - My Net Worth Took A Hiding, Did Yours?

Sun, 16 Mar 2025 04:16:02 GMT

If you did your February 2025 month end, you might have noticed something…your net worth may have taken a hit? Mine certainly did (and it wasn’t just the trip to Vegas…). But before you start spiraling, let’s talk about what’s really going on. Markets have been about as stable as a three-legged chair lately. Stocks? Down. Crypto? Unpredictable as ever. 'The Magnificent 7'? Shaky as. Houses? Not doing much. KiwiSaver? We've had a good run but are now impacted by global issues. If it feels like everything you own has taken a dive, you’re not imagining it. A lot of portfolios are looking a little worse for wear right now.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

MY2CENTS - How I Structure My Money In New Zealand

Sat, 15 Mar 2025 21:00:00 GMT

This is the audio from a recent YouTube video that you might find interesting.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

A Canadian Helping Kiwi Take Control Of Their $ w Scott Innes (KTC Listener) [Changers]

Wed, 12 Mar 2025 16:00:00 GMT

Scott Innes from MoneyMaverick.nz went from government employee to self-employed financial advisor; all while navigating the challenges of raising a young family in a new country. After discovering Keep the Change during his wife’s pregnancy, Scott found the confidence to take a commission based opportunity over a salaried role, despite the risks. On that, he can’t believe how much opportunity there is in New Zealand!

In this episode, he shares how he pushed through a brutal first year, doubled his income, and even expanded into financial consulting and coaching.

Scott’s story is a solid reminder that action beats perfection(as we always say), and that success often comes from challenging the norm. Tune in to hear how he’s balancing business, fatherhood, and financial freedom, all while helping others take control of their money.

Find Scott here: https://www.moneymaverick.nz/team

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

As always, no part of this podcast is intended as financial advice; it is intended as general information only.

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 252 - It Took Me 30 Mins To Get $2k USD

Mon, 10 Mar 2025 20:59:35 GMT

I started to write this mid-flight headed to Las Vegas to watch the mighty NZ Warriors in action. They say what happens in Vegas stays in Vegas and to be fair, some of my NZD are definitely going to be staying in Vegas. Holy sh!t that place is expensive. Before I left for the USA, I needed some US dollars in cash. I did what anyone would do. I went to my bank. The one I’ve been using for around 10 years. I went in and gave them my card, and they took many of my $NZD and gave me $2,000 US. Boom. Simple, right? Not quite....

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

MY2CENTS - How I Got Rich In New Zealand (Not Property 🤫)

Sat, 08 Mar 2025 21:00:00 GMT

This is the audio from a recent YouTube video that you might find interesting.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

What Is Mikey Seeing In NZ Property In 2025? (in the new studio)

Thu, 06 Mar 2025 16:00:00 GMT

The Offical Cash Rate has decreased by 0.5% as expected. We sit down with Mikey to find out what he is seeing out there with the property market and with mortgage advisers. This is the first podcast as a bit of a trial, life from the new studio.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Living a Life of Abundance: Fulfilment and Opportunity w Mikey Smith (GuardianSmith.co.nz)

Wed, 05 Mar 2025 16:00:00 GMT

What does it mean to live a life of abundance? In this episode, we explore the mindset, habits, and actions that lead to true prosperity. This is also more than just financial wealth. We discuss tactics of how to shift your focus from scarcity to gratitude, and from fear to opportunity.

We unpack some of our key principles of living abundantly, including financial freedom, giving, and personal growth.

Tune in to learn actionable strategies for building a life where success, happiness, and generosity become your norm. It’s time to embrace abundance and thrive in all areas of your life!

Hosted on Acast. See acast.com/privacy for more information.

MY2CENTS - First $100k

Sat, 01 Mar 2025 21:00:00 GMT

This is the audio from a recent YouTube video that you might find interesting.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 251 - The Biggest Wealth Shift In History. Are You Ready?

Thu, 27 Feb 2025 16:00:00 GMT

Did you know: in NZ, those born before 1966 currently hold 60% of NZ's $2.29 trillion total individual net wealth. The estimated value that will be transferred by those aged over 55 in the next 20 years will be approximately $1.11 trillion - Business and Economic Research Ltd. We are living through one of the largest transformations of wealth and knowledge EVER. Get READY!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Living a Life of Lack: The Symptoms of Scarcity w Mikey Smith (GuardianSmith.co.nz)

Wed, 26 Feb 2025 16:00:00 GMT

We struggled with this one but it was needed before we record ‘Living a Life of Abundance’. This is why it’s only 10 minutes!

So…are you caught in a cycle of scarcity, where there’s never enough time, money, or opportunities? Are you caught in a life of ‘lack’?

In this episode, we dive into what it means to live a life of lack, exploring the tell tale signs of a scarcity mindset and how it affects every area of your life.

We discuss the psychological and financial traps that keep you stuck, because soon we will explore some practical steps to start breaking free.

Whether you’re struggling to make ends meet or simply feel like you’re always behind, this episode will help you identify the barriers holding you back and give you the tools to move toward a more abundant future.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

MY2CENTS - Falling Interest Rates

Sat, 22 Feb 2025 21:00:00 GMT

This is the audio from a recent YouTube video that you might find interesting.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 250 - Falling Interest Rates = Pay Rises For Most NZ Households

Thu, 20 Feb 2025 16:00:00 GMT

Back in 2021 (Money Mail 83) we started talking about pay cuts for NZers because interest rates were about to rise and impact a number of people. This meant a pay cut for a household budget that now had to pay higher interest costs. But we are now into the reverse. The pay rises have begun for some!!!! With rates falling, the financial relief will reach households faster because there is so much rolling off onto a cheaper rate. Let's explore.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

The Rise & Fall,(Part 1) & Now Redemption (Part 2) of Simon Phillips

Wed, 19 Feb 2025 16:00:00 GMT

Simon Phillips returns to the podcast with more wild tangents and hard-earned wisdom than you can imagine. You may remember Simon as the founder of Fitwear, the brand that skyrocketed to over $3 million in annual sales, before it all came crashing down, leaving him in massive debt and back at home owing hundreds of thousands to his parents.

Now, with his debt cleared and a fresh outlook, Simon is rebuilding, not just his business ventures, but himself.

In this episode, we dive deep into his personal journey of resilience, self-improvement, and the lessons he’s learned to ensure he never hits rock bottom again.

Tune in for a seriously unfiltered conversation on growth, setbacks, ADHD, focus, and what it really takes to rise again.

Enjoy the ride.

Find Simon: https://www.instagram.com/simonjohnphillips/

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 249 - When Is 'Enough', Enough?

Mon, 17 Feb 2025 16:00:00 GMT

If you don’t decide what enough looks like, the world will decide for you. And the world’s answer will always be “more.” Because, as I said, there’s profit in keeping you striving. When we’re stuck in a cycle of constantly chasing more, we can lose sight of what we truly want. That’s why defining what enough looks like is crucial. So, how do YOU define enough? It’s personal and it's up to you. Let's get you thinking about it.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

MY2CENTS - Credit card debt to millionaire?

Sat, 15 Feb 2025 21:00:00 GMT

This is the audio from a recent YouTube video that you might find interesting.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

How to Escape 'Status Mode' w Mikey Smith (GuardianSmith.co.nz)

Wed, 12 Feb 2025 16:00:00 GMT

Wed, 29 Jan 2025 16:00:00 GMT

Are you stuck in survival mode, living paycheck to paycheck and constantly stressed about money? This episode is for you! No shade either, we’ve all been there!

In this episode, we’ll help you recognise the signs of survival mode and, more importantly, give you actionable steps to break free. We promise you there are many, many actionable steps to help you escape this stage of your financial journey and life. OR at least decrease the time you stay here.

We cover some ground! From mastering the basics of budgeting to increasing your income and building a financial safety net, this episode is your roadmap to financial stability. You will also learn how to shift your mindset from scarcity to abundance and take control of your financial future.

Note - if you haven’t listened to the podcast ‘The pyramid that explains your situation’, you may want to for some pre-context.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 246 - How To Easily Make An Extra $10,000 In 2025

Mon, 27 Jan 2025 16:00:00 GMT

Whether you need it to ease a bit of financial pressure or work toward a big goal, here’s how you can make it happen, even in one of the toughest economies New Zealand has seen since the 1990s. I continue to maintain that if we teach more people how to make a bit of extra cash, it will solve a lot of the individual problems people face. Many people feel stuck financially but don’t realise money is EVERYWHERE and that they can get their hands on it. I am going to step you through how to attack this.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

MY2CENTS - #1 Way To Pay Off A Kiwi Mortgage Faster

Sat, 25 Jan 2025 21:00:00 GMT

This is the audio from a recent YouTube video that you might find interesting.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Dropout to Debt Free: How This 27yo Bought Property With Cash w Philip Paul (KTC Listener) [Changers]

Wed, 22 Jan 2025 16:00:00 GMT

At just 27, this young Kiwi shares his incredible journey from grinding hard in his day job to buying property outright, trading stocks, and preparing to launch his own building business.

Philip Paul has done a lot in a decade since being given the boot from school. In this episode, we dive into how he’s got ahead so quickly in NZ. From the lessons he learned by offering more value at work, investing, not buying material things he once could and his mission to normalise conversations about investing with his colleagues.

Hear how the Keep The Change podcast inspired him to push through an uninspiring environment and prove that hard work, smart money moves, and relentless determination can truly change your financial future.

This is a story for every young Kiwi ready to grow and win.

Get stuck into it!

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Money Mail 245 - The 2025 Economy; What Happens Next?

Mon, 20 Jan 2025 16:00:00 GMT

2024 was a grind for many, and 2025 might bring much more of the same. I am sorry, I am sorry. I am forever optimistic though. I know everyone is hoping for a better year and excited about how it all just changes and changes quickly, but I am more realistic to how slowly an economy turns. However, while the challenges are real, so are the opportunities. If you’re willing to tune out the noise, focus on what you can control, and keep showing up. And that is what we do around here (see the last 2 weeks of Money Mail)! So here's how to do it...

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

MY2CENTS - ‘I Don’t Care About Money’ | Yeah Right!

Sat, 18 Jan 2025 21:00:00 GMT

This is the audio from a recent YouTube video that you might find interesting.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Kickstart Your Wealth In 2025: Investing Hacks w Linus Field

Wed, 15 Jan 2025 13:00:18 GMT

Ready to start 2025 right and take control of your financial future? From compounding growth to investment hacks and beyond, this podcast will help you build a financial foundation for lasting success. Tune in and take the next step toward financial freedom today!

Linus and I cover a lot of ground, including:

The Cost of Waiting: Discover how delaying investments—even by just one year—can cost you thousands in long-term compounding.
Set Your Kids Up for Success: Learn how $7,000 invested at birth could grow into $1,000,000 by retirement.
Automation for Success: How managed funds can simplify your savings journey—no large upfront investment required.
Self-Employed Strategies: Bust the myths about KiwiSaver and learn how even small contributions can lead to big rewards, with real-life client success stories.
Listening to non-investors: the dangers of taking advice from people with no experienc.
Investing in Knowledge: Save time and money by learning from specialists instead of navigating the financial world solo.

Enjoy!

No part of this podcast is intended as financial advice; it is intended as general information only. For more information about Generate's Schemes see their Product Disclosure Statements at generatekiwisaver.co.nz/disclosures. The issuer of the schemes is Generate Investment Management Limited. Past performance is not indicative of future performance.

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 244 - 2025: It’s Never Been Easier To Succeed

Mon, 13 Jan 2025 16:00:00 GMT

I recently heard someone say: “It’s never been easier to succeed.” But they quickly followed it with a truth that hit me like opening the email inbox after the break. “It’s also never been easier to get distracted.” Aint that the truth! So I started thinking about what gets us distracted? Of course, we are going to take a financial lense on this. Let’s explore some softly, softly ones to start with and then trigger the masses.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - Money Mail 147 - Why I Bought A PIE Fund

Sun, 12 Jan 2025 16:00:28 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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MY2CENTS - Will A Capital Gains Tax Solve New Zealand’s Problems? (What About Your Problems?)

Sat, 11 Jan 2025 21:00:46 GMT

This is the audio from a recent YouTube video that you might find interesting.

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MY2CENTS - Why Is Paying Debt More Exciting Than Investing?

Thu, 09 Jan 2025 21:00:31 GMT

This is the audio from a recent YouTube video that you might find interesting.

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From Reckless To Responsible With Money & Mindset w Bryce Helms (KTC Listener) [Changers]

Wed, 08 Jan 2025 16:00:34 GMT

In this episode, I sit down with Bryce who shares his transformation: both financially and professionally, thanks to the lessons he learned from Keep The Change.

After years of feeling stuck in a high-paying but limiting career, loaded with mortgages, credit card debt, and even Afterpay purchases for dog food, Bryce had a KTC wake-up call. He realised the power of accountability, mindset, and the importance of taking control of his situation.

Fast forward through countless hours of study, sacrifices, and laser focus, and he’s now stepping into a new role as a mortgage adviser in Mikey’s team at Guardian Smith. To do this, Bryce had to leave behind a comfortable salary to pursue something with no ceiling, no excuses, and full ownership of the outcome.

We talk about breaking free from bad financial habits, overcoming limiting mindsets, and what it means to back yourself completely. This is an inspiring story of taking risks, embracing discomfort, and building a future of purpose and growth.

If you’re feeling stuck or searching for your next opportunity, this episode will remind you that with the right mindset and determination, anything is possible. Bring it on!

If you need to find Bryce, do that here: https://www.instagram.com/kiwi_angler/

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Money Mail 243 - 2025 The Year To Focus On What You Do Have

Mon, 06 Jan 2025 21:59:54 GMT

When did we get so good at dismissing other people's actions to keep ourselves stuck and upset at our own situation? It makes no sense to me. Focusing on what you don’t have will only hold you back. You need to flip your mind to start looking at your own opportunities. This will give you a good reminder to focus on what you do have and ignore those who decide not to live like this.

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How To Annihilate 2025 w Mikey Smith (GuardianSmith.co.nz)

Sun, 05 Jan 2025 21:45:57 GMT

Well, we survived until 2025, now what? This year looks like another grind of a year but as always we will have you ready for this with eyes wide open to what you need to be thinking about. In this podcast we explore some of the things we expect to see in 2025 and touch on the mini distractions that we need to be mindful of. We also make some predictions about different markets. Enjoy the year and we'll talk throughout it.

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ICYWL - HOW To Think w Mikey Smith (GuardianSmith.co.nz)

Sun, 05 Jan 2025 16:00:22 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

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MY2CENTS - Why I Don't Have A Credit Card In New Zealand

Sat, 04 Jan 2025 21:00:10 GMT

This is the audio from a recent YouTube video that you might find interesting.

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MY2CENTS - What Version Of Money Are You Running?

Thu, 02 Jan 2025 21:00:02 GMT

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KiwiSaver Hardship Rising & Car Loan Carnage w David Verry (Financial Mentor)

Wed, 01 Jan 2025 16:00:47 GMT

David is back to teach us about exploitative car loans, and one lender who is now being prosecuted by the Commerce Commission. We can all learn what to look out for when taking on debt.

We also discuss how KiwiSaver hardship applications are also on the rise, with more people turning to their retirement savings to manage debt, cover legal costs, or cope with reduced income. We discuss the limitations of this approach, how it often leaves broader financial issues unresolved, and the thing David sees that that upsets him the most.

We also again highlight the importance of free, confidential, and non-judgmental budget services like MoneyTalks, available to everyone in NZ.

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ICYWL - The True Cost Of Your $700k Home w Mikey Smith

Sun, 29 Dec 2024 16:00:27 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

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@keepthechange_nz

https://www.keepthechange.co.nz/

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MY2CENTS - This Traps Kiwi's From Making More $

Sat, 28 Dec 2024 21:00:16 GMT

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Money Mail 242 - 2024, You Son Of A B!tch

Sat, 28 Dec 2024 07:38:17 GMT

September GDP data just came in at -1.0. I had to refresh my screen to see if that was accurate. -1.1% in the June quarter. Brutal! We are living through a seriously gnarly engineered recession. The worst since the early 90s. But...we are still here. How good. I hope that some of the Money Mail lessons have been catalysts for you to improve your financial story and your ability to navigate this tough time. Let's explore some serious KTC investment and growth in 2024.

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MY2CENTS - Steal This Government Trick To Take Control Of Your Finances In NZ

Thu, 26 Dec 2024 21:00:55 GMT

This is the audio from a recent YouTube video that you might find interesting.

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How We DESTROYED 2024 w Mikey Smith (CEO GuardianSmith.co.nz)

Thu, 26 Dec 2024 16:00:36 GMT

Following on from the podcast ‘How To Destroy 2024’ to get you started this year, we dive into how our 2024’s actually played out. We go back through some of the themes we were focussed on this year and reveal some of the plays we’ve made. Mikey has just unlocked a completely new chapter, taken a NZX sized lease in Auckland central and I have an exciting celebration to share with you. There has been growth, grind, consistency, investment and new projects. Another compounding year!

Mikey and I hope you’ve had an amazing year and get some rest and enjoyment in over the break because when we are back, we will ANNIHILATE 2025.

Merry Christmas to you all, as well as your loved ones.

Keep pushing.

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‘Property Doubles Every 10 Years’ LOL! Is That All? w Mikey Smith (GuardianSmith.co.nz)

Wed, 25 Dec 2024 16:00:02 GMT

Everyone’s favourite property saying - that it doubles every 10 years and property is ‘safe as houses’. But how true is this for the coming decade and why does Sir Bill English think they will be stagnant for 15 years (in real terms).

Regardless, shouldn’t this scare us not excite us? Don’t we need to be thinking bigger than a double every 10 years? We are capable of so much more!

Wed, 18 Dec 2024 16:00:09 GMT

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MY2CENTS - Financial Averages In New Zealand

Sat, 07 Dec 2024 21:00:13 GMT

This is the audio from a recent YouTube video that you might find interesting.

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MY2CENTS - Bitcoin. Stocks. FOMO in New Zealand Property

Thu, 05 Dec 2024 16:00:08 GMT

This is the audio from a recent YouTube video that you might find interesting.

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OCR + Tump + Bitcoin + New Taxes

Thu, 05 Dec 2024 04:04:20 GMT

In this podcast we sit down with no direction and go through a number of different things that are happening in New Zealand and in the world and see where it takes us. We go over the recent decrease in the Official Cash Rate in New Zealand, what's going on in the world of Bitcoin and this company's micro strategy, and will we see new taxes in New Zealand in the future, what will mean for us?

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@keepthechange_nz

https://www.keepthechange.co.nz/

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Changers: Investing For The Kids + The ‘Fridge’ Technique w Angela Anderson (KTC Listener)

Wed, 04 Dec 2024 16:00:27 GMT

Sun, 24 Nov 2024 16:00:15 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Mikey teaches us why it is so important to retrain some of the stupid things your brain will tell you to do and why this can also be so hard to do.

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MY2CENTS - These Headphones Help Me Save Tax

Sat, 23 Nov 2024 21:00:35 GMT

This is the audio from a recent YouTube video that you might find interesting.

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MY2CENTS - How To Build An Emergency Fund In New Zealand

Thu, 21 Nov 2024 16:00:30 GMT

This is the audio from a recent YouTube video that you might find interesting.

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The Man Calling Out The Council's w David Baker RapidQS

Wed, 20 Nov 2024 16:00:41 GMT

The man calling out the councils pops into the studio to fill us in on the backlash from questioning the price of some of these projects around the country. David Baker has been in the construction industry for nearly a decade and now runs RapidQS which helps builders price jobs more accurately.

He started with an apprenticeship and was always destined to have a crack on his own. He’s built and busted but kept going.

Money Mail 235 - You Don’t Know How To Invest (Pt 3.)

Mon, 11 Nov 2024 16:00:13 GMT

Why you haven’t started investing? You don’t know how...You live in 2024, with 5g internet, thousands of resources, and somehow you believe that you ‘don’t know how’ to invest. A reminder - people have been investing since the 1700’s. Let’s be real: you just haven’t learned how…yet. I’m not letting you off the hook that easily!

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ICYWL - Insights From 1 Of NZ's Top Financial Mentors w/ David Verry

Sun, 10 Nov 2024 16:00:36 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

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https://www.keepthechange.co.nz/

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Holy Sh!t My Stocks Are Cranking. So What?

Sun, 10 Nov 2024 11:48:45 GMT

Well, a lot of markets are roaring after the change in President in America. I decided to go back and see how much some of my investments have increased over the last week and then give you some thoughts on whether this really matters or not?

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The Future of New Zealand: Are You Prepared? w Professor Paul Spoonley

Wed, 06 Nov 2024 16:00:25 GMT

Paul is back in the hot seat to get us thinking about what New Zealand will look like in the future. We’ve gone from record immigration to 80,000 NZ citizens leaving and people not wanting to come here. What is behind this?

We explore the ageing demographic and what that will mean for the makeup of the country and the economy. It is very important that you understand this. Will it be a completely different New Zealand in 20 years time? Yes! So get ready now.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Money Mail 234 - When You're Scared To Invest (Pt 2.)

Mon, 04 Nov 2024 16:00:44 GMT

Many of us are still sitting here asking ‘is it a good idea to invest?’. I think this actually means ‘I am scared to invest because I don’t want to lose money’. That makes more sense to me. But...by not investing, in some way, you are already watching your money go backwards in terms of what it can buy. Let's rip into this objection to investing.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - 30 In 30 | 12. Being Broke & Living Rent Free House Sitting

Sun, 03 Nov 2024 16:00:29 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

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@keepthechange_nz

https://www.keepthechange.co.nz/

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KiwiSaver Balances: How Do You Compare? w Jake Mickleson

Wed, 30 Oct 2024 17:43:42 GMT

I sat down with Jake Mickleson who is a KiwiSaver advisor with Generate KiwiSaver Scheme and we ran through some of the balances of different age ranges of KiwiSaver contributors across New Zealand AND then compared these across the Generate KiwiSaver Scheme members. Where do you sit?

We also look at a recent retirement study that tells us how much is needed for retirement. This will be eye opening for a lot of you. Get stuck in.

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Money Mail 233 - Why You Haven’t Started Investing (Pt. 1)

Mon, 28 Oct 2024 20:57:17 GMT

Recently, I asked people IF THEY WANTED TO INVEST BUT HAVEN’T YET, how come. Sorry I had to yell and use bold so that you read that question properly. Before I summarise what I think the key 3 are, know this: You have TO WANT TO invest and that will help get you started. You’re on your own, but the guard rails are up so high that you’re so unlikely to hit a gutter ball long term. Stop aiming for a strike and bowl ya ball! Let's explore!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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The Engineered Recession: 2 Years In, What's Next? w Mikey Smith (GuardianSmith.co.nz)

Wed, 23 Oct 2024 17:00:49 GMT

Well, it has nearly been a good two years since the Reserve Bank of New Zealand told us that they were going to be engineering a recession so we thought that two years into this recession it was time to take a look and see what people were saying two years ago.

Now that we are deep in it, what should we expect from here? What’s happening with business confidence? Will house prices continue to rise? When will rates slide further? Will they print money again?

This one won’t be as optimistic as you may HOPE but it’s realistic and that’s what we’ve been the whole way through. Get ready to take more action. When it’s hard, push harder!

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Money Mail 232 - You’ve Never Been More Likely To Make $100,000

Mon, 21 Oct 2024 16:00:25 GMT

In the past, earning a six-figure income was a significant milestone, some sort of marker of financial success. But with rising costs and inflation, the purchasing power of $100,000 has decreased. So, setting an arbitrary income goal like "$100,000" might not be the right target anymore. It is believed that about 16% of working Kiwis now earn $100,000 or more. That number will continue to increase. In 2001, that was under 2% of wage and salary earners.

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ICYWL - You Have Been Lied To, Now What? w Mikey Smith

Sun, 20 Oct 2024 16:00:35 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

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@keepthechange_nz

https://www.keepthechange.co.nz/

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The Pyramid That Explains Your Situation w Mikey Smith (GuardianSmith.co.nz)

Wed, 16 Oct 2024 16:00:30 GMT

This pyramid holds the answers to so many of life’s questions. Are you currently at survival status, freedom, or purpose? And more importantly where would you like to be when it comes to your financial situation?. This was eye-opening from our trip to the United States and we sat down to reflect on what it means to us and what we’ve learned from it.

We also asked the KTC audience where they are aiming for and where they currently sit on the pyramid. The answers are insightful. We explore questions like what are you aiming for yourself? Why? What would you aim for if you were out of survival?

If this one doesn’t get you thinking deeply, we don’t know what will!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Money Mail 231 - The HOPE Formula

Mon, 14 Oct 2024 20:40:13 GMT

I was playing with the word hope whilst writing. I had been thinking about how it seems many people have lost a form of hope and that’s a sad place to be. That brings me to the word HOPE. Help Other People Exist If you look at a lot of successful people, they do exactly this. BUT…to help others, first, you yourself have to become helpful!

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https://www.keepthechange.co.nz/

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ICYWL - Money Mail 119 - It Only Took 5 Years To Change My Life

Sun, 13 Oct 2024 16:00:33 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

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https://www.keepthechange.co.nz/

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The Ultimate USA Recap w Mikey Smith (GuardianSmith.co.nz)

Wed, 09 Oct 2024 16:00:27 GMT

What a whirlwind trip to the United States of America that was. We’ve had a few weeks to unpack and reflect on the trip to the USA and it’s now time to gather all of those and give you our key takeaways and see how they may be able to help you in your life as well.

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Money Mail 228 - How To Fix YOUR Housing Affordability Crisis

Mon, 23 Sep 2024 20:25:38 GMT

Housing affordability is always a hot topic in this country, and for very good reason. The cost of a roof over our head is a massive issue with many flow on impacts. New research shows almost one-in-five New Zealanders are spending more than 50% of their household income on rent or a mortgage - a report from global infrastructure firm GHD. So what can YOU do about this?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Money Mail 149 - Doing it tough out there? Who to call

Sun, 22 Sep 2024 17:00:47 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

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@keepthechange_nz

https://www.keepthechange.co.nz/

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Can You Become A Millionaire? Data Revealed

Sun, 22 Sep 2024 08:43:28 GMT

I review some UBS wealth data that analyses the percentage of people in different brackets of wealth all around the world. You might be surprised how wealthy you are compared to other people in the world. Or what it takes to have $1,000,000 of wealth.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Can Bitcoin crack $1,000,000? w Paul Quickenden (Easy Crypto)

Wed, 18 Sep 2024 17:00:11 GMT

Paul Quickenden is the Chief Commercial Officer from the New Zealand company Easy Crypto and sits down to explain to me what crypto even is, if Bitcoin will reach a million bucks, how many people are using Easy Crypto every year and then answer a stack of your questions.

The idea of this podcast is to bring you some information about cryptocurrency to demystify the space and that is what Easy Crypto have been trying to do since 2017 when they started.

Sun, 01 Sep 2024 17:00:30 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

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@keepthechange_nz

https://www.keepthechange.co.nz/

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10 Business Ideas Anyone Can Start w Henry & Jack Double Yolk

Wed, 28 Aug 2024 17:00:06 GMT

Henry and Jack are back in the studio to give you 10 business ideas that you can start and maybe go through to business sale just like they did.

You don’t need to be Elon to get these ideas off the ground and there is something in here for everyone of you. We touch on the practicality of starting something from scratch and how execution will be the main thing to determine your success.

Most people will ignore these ideas, never start and not take enough action. But not you! Get stuck in.

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Money Mail 224 - Pause, Get Sorted!

Mon, 26 Aug 2024 17:00:27 GMT

If you’ve got your mind on your money, then you probably know that August is Money Month. But I often hear that many people have no idea. So today, a bit of insight into what this month is all about. Money Month is a public awareness and engagement campaign coordinated by Te Ara Ahunga Ora Retirement Commission, in partnership with the financial capability community. To do my bit toward the national strategy of working together to help demystify money, I sat down in an online workshop with Sorted’s personal finance lead, Tom Hartmann and James Blair of Lighthouse Financial to celebrate Money Month with a special webinar. Let's explore

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https://www.keepthechange.co.nz/

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ICYWL - WTF Is Inversion Thinking? w Mikey Smith

Sun, 25 Aug 2024 17:00:23 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Mikey runs us through tackling problems the reverse way. Learn this brilliant way of thinking and see how you can implement it.

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@keepthechange_nz

https://www.keepthechange.co.nz/

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Can You Please Help Me?

Sun, 25 Aug 2024 06:17:33 GMT

I don't often ask for much but I would love your help to get this content in front of even more people. So, within this is an ask for you to help me do that, and some suggestions of how you could do it. It would be a lot to me. Thanks, Luke.

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Money Month: Pause, Get Sorted

Thu, 22 Aug 2024 20:30:39 GMT

Money Month is a public awareness and engagement campaign coordinated by Te Ara Ahunga Ora Retirement Commission, in partnership with the financial capability community. This year's Money Month builds on last year's theme "Pause. Get sorted." The focus is on actions that can help people grow their money and build resilience – two pillars that are key to improving people's financial wellbeing. On Tuesday night, myself, James and Tom went over the steps you need to grow your wealth and secure your financial future, including:

Getting clear with your goals
Budgeting and cashflow fundamentals
Understanding debt
Property as a wealth-creation tool
How shares fit in with your investment strategy
Protecting your wealth and accountability.
Some of Sorted’s most popular online tools

Get stuck in.

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Selling Baby Sleep Secrets To The World w Luke Snedden (LittleOnes.co)

Wed, 21 Aug 2024 17:00:49 GMT

I want more Kiwi to understand that their knowledge can be exported. You can package your knowledge and sell globally, earning different currency and opening up different markets. This is working smarter, not harder and we have A LOT of smart Kiwi here in NZ who don’t know this exists.

I sat down with Luke Sneeden who has been a part of businesses doing this for nearly 10 years. Find out how they took baby sleep secrets to the world by starting with a PDF document and turned it into 500,000 happy customers.

This one will blow your mind with what is possible.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

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Money Mail 223 - The First Cut Is The Deepest

Mon, 19 Aug 2024 17:00:18 GMT

Well, well, well what have we here? The first cut of the Official Cash Rate. On Wednesday, The Reserve Bank cut the official cash rate by 25 basis points to 5.25%. So what’s behind this cut all of a sudden? Let's try figure it out and work out what we need to be thinking about as rates fall further in the coming quarters.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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How To Buy Your First Share Or Make Your First Investment

Mon, 19 Aug 2024 00:15:21 GMT

A number of people recently told me that they don't know how to get started with investing and it upsets me to see that in 2024 so many people still believe this when there are such amazing resources out there. In this podcast I'm going to buy a share and I'm also going to explain why is so important that you get started and give you two resources that you can go to to learn. You must make your first investment by the end of this podcast.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Putting a Financial Plan Together With Lighthouse Financial Services

Sun, 18 Aug 2024 17:00:34 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

if you want to explore doing some financial planning with your team follow this link: https://lighthousefinancial.co.nz/lighthouse-wealth/

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Start, Scale & Sell - a Kiwi SME Success Story w Henry & Jack Double Yolk

Wed, 14 Aug 2024 17:00:08 GMT

0 to 100 real quick, literally. Learn from 2 lads who scaled a business from 0 to 100 staff and then sold it. It can be done. They take us through their top 5 lessons learnt from starting something from scratch (in an area they didn’t even know too much about) through to selling it to an overseas buyer. These lessons are simple and may surprise you as to how basic they sound. This podcast will get you warm for the part 2 where Henry and Jack provide you with 10 business ideas that anyone can have a crack at. You will love the energy of these 2 down to earth Kiwi legends. Get inspired.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

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Money Mail 222 - Is Now A Good Time To Start Investing?

Tue, 13 Aug 2024 22:48:53 GMT

Ahh, the age ole question! Asking someone who can’t predict the future to predict the future. If you are asking people ‘is now a good time to invest?’ you’re probably setting yourself up for something we like to call Not Taking Action. Firstly, what does that question even mean? What are you actually trying to ask? Secondly, how would anyone know that answer? NO ONE knows what is around the corner. Let's explore how dangerous this question is.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - HOW to ACTUALLY Change Your Mindset w Mikey Smith

Sun, 11 Aug 2024 17:00:50 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

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@keepthechange_nz

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HOW TO: Get Closer To The Money w Mikey Smith

Wed, 07 Aug 2024 17:00:58 GMT

It’s no wonder the banks make billions of dollars when they are a part of every transaction. That gives us a clue…maybe the secret to making more money is to get closer to the transaction?

In this podcast we will look at ‘Money flow’ and how you can get around people that move money around ensuring that it flows. Your job is to get some of it to flow to you by getting closer to people who are transacting, doing deals, solving problems, adding value and who have money.. We are about to teach you how.

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

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Money Mail 221 - How To Time Rate Cuts Perfectly (Pt 2.)

Mon, 05 Aug 2024 17:00:11 GMT

Last week we explored the excitement that interest rates may come back down. Let's explore the things we should be thinking about when it comes to lowering interest rates, debt and mortgages? Then some potential action Items we can all think about if we have various forms of debt. Note: these are designed to get you THINKING only and are not financial advice.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Case Study: 'The debt stress is huge'

Sun, 04 Aug 2024 17:00:01 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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HOW TO: Quit Your 9 To 5 w Mikey Smith

Wed, 31 Jul 2024 17:00:48 GMT

So you want to quit your 9 to 5 huh? Well what are the steps to take to quit your 9 to 5? How do you do this? Well we are going to show you how to go about this because we’ve both done it and learned from the process.

This will become a pillar piece of content for people to get them moving on their self employment or business journey. Before taking the leap into the unknown, get yourself set up properly and make sure these steps are covered first.

This is a part 2 from 2 podcasts, the other one is ‘When To Quit Your 9 To 5’, make sure you check that out too.

I believe 100,000 kiwis with better financial literacy will create a better New Zealand - and the team at Generate KiwiSaver Scheme are helping me reach this goal. Head to generatekiwisaver.co.nz/change to find out more.

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Rate Cuts & Break Fees: What It Means w Mikey Smith (GuardianSmith.co.nz)

Tue, 30 Jul 2024 17:00:11 GMT

The Reserve Bank of New Zealand look set to cut the Official Cash Rate and this has got people thinking about what it will mean for their mortgage. Mikey the mortgage messiah stops by to answer your prayers, sorry…questions. We talk break fees, re-fixes, going short, going long. It’s all happening in this podcast. Tune in to better educate yourself about what opportunities falling interest rates may mean for you.

This is not financial advice and you should seek advice from a mortgage adviser or financial adviser.

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Money Mail 220 - Preparing For Rate Cuts (Pt 1.)

Mon, 29 Jul 2024 17:00:34 GMT

Well, we’ve finally got some good inflation news. Inflation was 3.3% annually for the June 2024 quarter. This is the lowest it has been since June 2021. But we aren’t quite there yet. Still slightly outside the 3% target band. However, there is at least some confidence that we are heading inside it. And for a lot of people that will mean sweet, sweet interest rate cuts. The elixir we are craving to turn the economic tap back on. I don’t think that slow rate cuts (should they be slow) will be everything people think they will be because, as you’ve learned, interest rate cuts or hikes take some time to wash through the system. There is a huge lag with interest rates impacting the economy. Time for a reality check...

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Thrift Wins Save Thousands w The Viral Kiwi Dad Logan Donnelly

Sun, 28 Jul 2024 17:00:57 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Major Money Milestones To Accomplish In Your 30s! w James Blair (Lighthouse Financial)

Wed, 24 Jul 2024 17:00:10 GMT

I spent most of my 20’s p!ssing up and not preparing for my future years. It seems younger people are a bit more switched on these days (thank Gard!) so you’re probably not doing that. You will be better prepared than I was. Let’s look at what you need to be thinking about when it comes to milestones in your 30’s…Emergency funds? Buying a house? Investments? No consumer debt? Career plans? Relationships? Goals? Health and wellbeing plan? A will? There is a lot to think about. In this episode, I sit down with James Blair who is a Financial Advisor and the Wealth Director from Lighthouse Financial to discuss what we should be thinking about. James helps every day Kiwi with their longer term investing plans and we discuss how some of these fundamentals are important whether we are in our 30’s or 60’s.

James Blair is the Wealth Director at https://lighthousefinancial.co.nz

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Help: Crowdfunding A Game Changer w Alli from Sharenanigans.co.nz

Wed, 24 Jul 2024 02:29:00 GMT

Alli Kennedy is on a mission to help everyday Kiwis be educated on investing. She has created a board game for people to play to learn more about investing and needs your help to create the first 10,000 orders. In this podcast we discuss how Alli (22 years old) is having a crack at changing the wealth of the nation via her board game and seeking pre-orders plus companies to be involved to turn this idea into a reality.

Sharenanigans, offering an introductory experience into the world of investing in shares, will be the next board game in every household.

But don’t be fooled, with players competing to become the wealthiest at the table, everyone is in it for themselves.

https://www.pledgeme.co.nz/projects/7946-

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Money Mail 219 - What A 12yo Can Teach You About Goals

Mon, 22 Jul 2024 17:00:51 GMT

Recently I received an awesome message. A 12yo lad is out in his neighbourhood doing something we often talk about. Making an offer to transact. He offers to help and add value to his neighbourhood by solving problems. Wouldn’t it be nice to go back to that sort of mindset where you don’t fear as much as you do now, and you don’t care what people think about you? Let's explore how he is doing this and what we can learn and apply to our lives.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - "You'll Own Nothing & Be Happy" w Mikey Smith

Sun, 21 Jul 2024 17:00:06 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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WHEN TO: Quit Your 9 To 5 w Mikey Smith

Wed, 17 Jul 2024 17:00:27 GMT

We all dream about the freedom of working for ourselves. Being your own boss. So when do we pull the trigger and do it? Are you entrepreneurial deep down? Hate your current role? Know your goals are bigger than your current career path? This will get you thinking about WHEN it might be time to have a crack at something else.

This will become a pillar piece of content for people to get them moving on their self employment or business journey. Make sure these steps are covered first.

This is a part 1 from 2 podcasts, the other is ‘How To Quit Your 9 To 5’, make sure you check that one out too.

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He Built NZ's Biggest Windfarm, What Next? - Simon de Rose (Stringfellows -Civil Engineering)

Tue, 16 Jul 2024 17:00:27 GMT

My good mate Simon pops to Auckland for the All Blacks so I make him sit down for a podcast warm up to tell us about the state of infrastructure in NZ and how we could actually improve it. Simon hires nearly 50 staff and was thrown in the deep end to run the family business some years ago. You’ll learn about his journey, what he thinks of the economy and what economy/tax changes he thinks we will see in the coming years. Enjoy!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Money Mail 218 - 'The Country Is F&^ked'

Mon, 15 Jul 2024 17:00:19 GMT

Apparently so. That is according to some people who message me and leave me comments. I know and see how tricky it is out there, so I can see what these people are trying to say. Maybe I am too much of a realistic optimist, but I can see better financial times in the future. However, I do believe it will get worse before it gets better. (Again, realistic optimist). So should we accept our fate and give up? Let's explore!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Money Mail 105 - Investing in yourself during tough times

Sun, 14 Jul 2024 17:00:10 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Hey, thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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How To Invest Your First $10k w James Blair (Lighthouse Financial)

Wed, 10 Jul 2024 17:00:56 GMT

Lately I’ve been getting a lot of questions from younger people who are looking to get into investing. This is exciting to see, but no matter their age, they probably shouldn’t be asking a random stranger on the internet what to do with their money. So I sat down with James Blair who is a Financial Advisor and the Wealth Director from Lighthouse Financial to discuss what we should be thinking about. James helps every day Kiwi with their longer term investing plans and we discuss how some of these fundamentals are important whether we are investing $10k or $10mil. It doesn’t matter what age you are or how much you have to invest, this podcast will get you thinking!

James Blair is the Wealth Director at https://lighthousefinancial.co.nz

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Money Mail 217 - My Net Worth Decreased This Month

Mon, 08 Jul 2024 17:00:58 GMT

The 30th of June meant that it was time to do my month-end process. Mapping out what money I have coming in during July vs what’s going to be going out. Then I go through and tally up all asset values + debt values. This process keeps my mind on my money, and I am more in check with where everything is at. However, this time, I had a feeling that my net worth would have gone backwards and by the time I had finished my month-end process, I could confirm that my net worth decreased in the month of June. And that’s OK. Here is why...

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Sell A Business Tax Free w Mikey Smith

Sun, 07 Jul 2024 17:00:55 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Do you know that if you sell a business you shouldn't get taxed on this? We explain why and how you can think about this in terms of your side hustle.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Why Govt & Council Need To Be Careful With Tax w Mikey Smith

Wed, 03 Jul 2024 17:00:49 GMT

Mikey comes out swinging with a warning to the government and future governments, as well as councils that they need to be careful with all of these tax and rate increases (including inflation) because people are feeling it and we could lose them to other countries OR they may change their behaviour. We explore how this happens and go through some examples. We even TRY and find the odd solution. This is a grunty one!

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Money Mail 216 - The 50 Million Dollar Frenzy

Mon, 01 Jul 2024 17:00:59 GMT

I haven’t bought a L0tto ticket for some time. But I will admit, I had to be a part of that recent mega jackpot. I was hoping to win to figure out what it would be like to make $50milli in 2 mins. Then, how to handle it. It’s no secret that many people blitz through L0tto winnings and unexpected inheritances because they haven’t learned to be the person that knows how to handle that level of money. There is a good lesson for us here. What is it? And did L0tto just have thier biggest year in history?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - A 'system' change won't change your life? w Mikey Smith

Sun, 30 Jun 2024 17:00:56 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Why are people so obsessed with thinking they will have a better life when the system changes? Start by changing yourself instead.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Listening! Not: Hearing What You Want To Hear w Mikey Smith

Wed, 26 Jun 2024 17:00:25 GMT

Listening is a skill and it’s becoming harder to do. We look at why that might be and how we can practise listening more than just hearing what we want to hear. It is easy to surround ourselves with what we want to hear but what if that isn’t helping us? We go through some examples where actually listening has been life changing.

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Money Mail 215 - 5 Tips To Become Unemployment Proof

Mon, 24 Jun 2024 17:00:36 GMT

The unemployment rate is currently 4.3% at the end of March 2024. It is projected to rise to over 5%. This means tens of thousands of Kiwi who could still lose their jobs. You don’t want this to be you and I don’t either. But chances are it will happen to someone we know in our wider circles. I have already seen it happen in mine and this week I noticed more KTC followers mentioning redundancy. But here are some more specific things you may want to think about.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICWYL - Money Mail 44 - What The Hell Is A Dividend?

Sun, 23 Jun 2024 17:00:29 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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How To Buy A Slice Of Property w Amy Stevens from Slice

Wed, 19 Jun 2024 17:00:13 GMT

Looking to buy your first home and have absolutely no idea where to start? Got a deposit but it’s not quite enough? Do your parents have equity in their property that you could use? Looking to get your first investment property? Slice have made it easy to navigate what can be a complex area which sees property, KiwiSaver, real estate, law and finance overlap. Slice have education and tools available no matter what stage of the journey you’re at. Founder Amy Stevens joins us to discuss what they’ve built and the big problem Slice is built to solve.

Website: https://www.slicetobuy.com

@firsthomefounder

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Money Mail 214 - 551,000 Of Us Owe The IRD 😳

Mon, 17 Jun 2024 17:00:31 GMT

Each quarter the IRD release information about how many people owe them money and how much. If you've been listening to KTC for some time you'll know what I often refer to this as the data worth looking at because no one writes or talks about this. But it shows us how businesses are going out there in the economy. One of the interesting statistics is that 551,000 people owe the IRD. The number of customers with debt increased from 436 thousand in March 2023 to 551 thousand in March 2024. So, how did that happen so quickly? I don't know for sure, but this is my theory...and it impacts you!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Tax Rules ARE NOT Set Up To Help Employee's w Mikey Smith

Sun, 16 Jun 2024 17:00:07 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 213 - Tax Is Sexy Again, I Think?

Thu, 13 Jun 2024 17:00:50 GMT

The much anticipated tax changes have been announced. How exciting, for the first time in my career, everyone is talking tax. We are going to explore the new tax brackets, why they've been adjusted and when they might next be adjusted. This will give you a VERY solid understanding of tax brackets and rules in NZ.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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HOW To: be proud of yourself w Mikey Smith

Wed, 12 Jun 2024 17:00:09 GMT

Is it ok to be proud of yourself? Luke thinks so and regularly tells himself that he is (shock). Is it normal? Who knows! Mikey kicks us off with a story of how a country he recently visited is very proud. What about NZ? We explore how we can be more proud of ourselves and what it even means. There is a challenge for you at the end too so tune in!

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

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ICYWL - Play The Long Game (Never Lose!) w Mikey Smith

Sun, 09 Jun 2024 17:00:59 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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The Man That Beat The Market For Over A Decade

Wed, 05 Jun 2024 17:00:15 GMT

I sit down with Generate’s Global Equities Portfolio Manager, Nathan Field. Nathan has over 25-years' experience in the financial industry and during the period 2013 to 2023 the global equities funds under his management beat the market index by more than 4% p.a. That’s not bad going and has a huge compounding effect. We explore what ‘Thematic investing’ is and how we can get in on the action. Nathan explains what trends he's keeping an eye on and how he figures these trends out early. There is some great investing insight in here and you’ll learn something that could help your own investing journey. Get stuck in.

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Money Mail 212 - The Unsung Funding Heroes

Mon, 03 Jun 2024 17:00:47 GMT

Whether people like it or not, we all need each other. Perhaps we need each other more now than ever. For many of us, it is the first time we are going through a really challenging economic cycle of high interest rates, persistent inflation and recessionary tests. We are all dealing with what we have going on in our lives and can lose sight of what others are dealing with. I was talking to a teacher recently who reminded me of this. Let me tell you a story about how kids can afford to go on rugby trips, when their parents can't afford to pay.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Saving 40% Of Your Income (WTF, How?)

Sun, 02 Jun 2024 17:00:34 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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I Got Mentally Ready For Today 7 Years Ago, Here’s How

Sat, 01 Jun 2024 23:15:47 GMT

It’s inevitable that you will go through tough, slow growth times in your life. You will feel like you’re on the right path but the self doubt creeps in. The wins aren’t coming, you can’t see the progress and people might even tell you that you don’t know what you’re doing.

Then you drink the brain rotting Kiwi Kola: You can’t get ahead here, You can’t buy a house here, There are no good jobs here.

It’s all down hill from here and you give up.

Awesome!

Except you didn’t want to give up.

Neither did I.

7 years ago I was starting from scratch and the wins weren’t coming as fast as I thought they would. I thought I knew what I was doing, so why wasn’t it happening?

Instead of feeding my brain the Kiwi Kola, I gave it a better diet.

This podcast is what I did to combat the brain rot and not quit on my goals and dreams.

I hope it helps 👊🏻

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Teaching Students Money - w Claire Bailey (Sorted In Schools)

Wed, 29 May 2024 17:00:55 GMT

Over 80% of school leavers said that they wished they had learned more about money at school. Sorted in Schools are doing something about this by providing resources for both students and teachers. The goal is to improve financial capability. That means being good with money which is an essential life skill. It means being equipped with the knowledge, skills and confidence to make good financial decisions at each life stage, and attain goals with choices. I am joined by Claire Bailey from Sorted In Schools who is a learning specialist and I ask her how the programme is progressing and what the vision is. Sorted in Schools is free for all secondary schools and designed by teachers for teachers. We are often quick to assume nothing is being done to educate our next generation about money but here’s an example of a resource that many people don’t know exists.

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Money Mail 211 - Solo Mum Uses This To Go Unconditional

Mon, 27 May 2024 17:00:47 GMT

I have a sneaky suspicion that many of us have lost focus and got ourselves trapped mentally. When we do this, we focus on the wrong things and unfortunately this leads to the wrong outcomes. The world shows up how we see it so we better be deliberate about how we see it and what we focus on. Let's focus...

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Money Mail 134 - I am stacking these currencies

Sun, 26 May 2024 17:00:59 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Being Early Is Still Wrong? w Mikey Smith

Wed, 22 May 2024 17:00:31 GMT

If we know what is going to happen and it doesn’t but then eventually it does, are we still right? We explore how many times we’ve thought things would happen but they’ve taken a lot longer to. So were we right or wrong? There is value in being both right and being early. Should we talk about crypto, Heartland bank and A2 Milk? Go on then! Another thought provoking podcast to get us thinking about the information we see online and whether being wrong can also be ok when directionally correct.

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Money Mail 210 - Solve 'The How' With This Job Stealing Tech

Mon, 20 May 2024 20:29:00 GMT

Imagine this; you live in a world where ANY information you need exists. You have an assistant you can quickly message to get the answers. The assistant will tell you exactly what to say to help you get to the next step. Well, guess what? You do. ChatGPT entered the chat in November 2022. And before you go all ‘screw you Luke, AI will take all our jobs’ on me without even trying to use AI once in your life to understand it better, keep an open, curious mind and tune in because we are going to explore using it to solve our problems.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Do You Deserve Your Success? Trigger Warning w Mikey Smith

Sun, 19 May 2024 17:00:25 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Your Questions Re Buying A Business w Phil Smith (nextAdvisory.nz)

Wed, 15 May 2024 16:00:11 GMT

In this episode I am again joined by my business partner Phil Smith from nextAdvisory.nz who has advised countless potential business buyers (and sellers) of what they need to think about before doing so. I ask your questions so that you can upskill even more. How to find a business you could buy? What is the main thing to look for in financial analysis? How to present yourself to the bank? Why buy a business instead of building from scratch?

And much, much more!

Want the checklist we mention? Grab it here: https://nextadvisory.kartra.com/page/ty-buyingabusiness

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Money Mail 209 - The Ultimate Inflation Hedge

Mon, 13 May 2024 17:00:42 GMT

Inflation is still here, and it’s been here for some time. You know that, I know that. Sure, it’s coming down and that’s better than it going up. But last week I read a survey where 89% of respondents were worried about inflation. So what can we do for ourselves over time to hedge against inflation? I know, and i'll tell you in here...

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - Is A Side Hustle Worth The Time? w Mikey Smith

Sun, 12 May 2024 17:00:24 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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The Basics Of Buying A Business w Phil Smith (nextAdvisory.nz)

Wed, 08 May 2024 16:00:41 GMT

You asked for it so here it is. Ever wondered about buying a business? Here’s some of the basic! A heads up, it’s a foreign language when you get started but if you’re serious you’ve got to learn the language. There’s heaps of information out there so go on the journey. This will get you started! I am joined by my business partner Phil Smith from nextAdvisory.nz in this episode and I pick his brains because he’s advised countless potential business buyers (and sellers) of what they need to think about. Get stuck in.

Want the checklist? Grab it here: https://nextadvisory.kartra.com/page/ty-buyingabusiness

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Money Mail 208 - Stacked Another Milli

Mon, 06 May 2024 17:00:36 GMT

Not dollars this time. But podcast downloads. I am thrilled to share a massive milestone with you. The Keep The Change podcast has officially hit one million downloads! We did it! Those 1,000,000 downloads wouldn’t have been possible without each one of you loyal listeners. Let's have a look at how this happened and dive into a massive KTC announcement!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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ICYWL - "You shouldn't buy a house’’ - Grant Cardone WTF?? w Mikey Smith

Sun, 05 May 2024 17:00:36 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Grant Cardone owns over $1 billion worth of property but he's telling us not to buy a home, what is he trying to teach us when explaining this? Is this a conspiracy or is there something to this?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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Insta Live Q&A

Thu, 02 May 2024 16:00:54 GMT

A recording of the live Q&A with Instagram followers from 30th April 2024.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

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How KiwiSaver Advice Can Pay Off Big Time At Retirement w Generate KiwiSaver Scheme

Wed, 01 May 2024 17:00:47 GMT

Some big news out of the Keep The Change camp! After 4 years and 500 episodes, we have a major sponsor in Generate KiwiSaver Scheme. I sit down with Linus Field who is one of Generate’s Auckland Advisers with over 5-Years of experience in the industry. We discuss the state of KiwiSaver in NZ, what he loves about it and find out more about his role at Generate. Everyday, Linus meets with people to discuss KiwiSaver so we talk about what themes he sees in these meetings and what we could all be thinking about to ensure we are maximising our investments. Enjoy!

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Why Mikey Is Bullish On Property Again? w Mikey Smith (MASTER)

Tue, 30 Apr 2024 17:00:42 GMT

Mikey comes rolling into the studio with a prediction that the bottom of the property market is near and that the next 12 months will be a great time to buy if that's what you want to do. In this podcast we look at some of the changes that impact that property market and how people can potentially use leverage again to buy a second property if they want to get into property investment. All things property in this podcast. Can't wait!

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Money Mail 207 - The Upsell Economy

Mon, 29 Apr 2024 17:00:49 GMT

Everywhere you look you are being asked to spend a little extra. Skilled professionals who work in the field of shaking your pocket for that last dollar are designing ways to get you to willingly hand it over. We live in a consumer society. Today’s lesson is designed to get you thinking about where you can see the next upsell and pocket shake. Just have your eyes open to it.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - Money Mail 35 - Money Has NO Value, NONE At All

Sun, 28 Apr 2024 17:00:51 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Us humans love to complicate things and make them more complicated than they need to be. Like assigning value to money. How does it work and is money really the root of all evil?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 206 - Poor? Try This...

Sun, 28 Apr 2024 17:00:25 GMT

All this slow to no growth chat can have us looking inward and not thinking abundantly. Today we are going to have a bit of fun. Imagine for a second you wake up tomorrow and you are rich. OK, now what if I told you that you were born rich? When you were born you didn’t think about any of that stuff. But at some stage in your life, you decided that those were the things that would make you rich. Let's explore!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

REEL DEEP: How I Make $2k Per Month Doing Nothing

Sun, 28 Apr 2024 06:07:03 GMT

Welcome to the first in a series IF you want them! REEL DEEP where I take a recent REEL and go DEEP. This is for those who like long form content over short form content. I just realised my total passive income was $25k in the 2024FY. In this REEL and podcast we explore how I did that and what it takes to earn that dreamy terminology of ‘passive income’.

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Data Is The New Oil w Emily Shaw (Luma Analytics)

Wed, 24 Apr 2024 17:00:04 GMT

Who quits their job at a bank, goes into business in a new industry with 2 others, hires 22 people, all within 6 years? Emily Shaw and Luma Analytics, that’s who. Data doesn’t lie and it’s all around us. Most of us don’t even know and can’t even see it. In this podcast Emily talks us through how her team use data to help companies all around the world do more, be smarter and move faster with data. Emily takes us through her life of going against the grain and the journey of being apart of one of the fastest growing companies in NZ in 2023 seeing them feature on the Deloitte Fast 50. This is an inspiring and thought provoking podcast. Enjoy and learn!

The book recommendation was Take The Leap by Sara Bliss

Business: https://www.lumaanalytics.com

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ICYWL - Mikey Says ''Break These 7 Society Rules''

Sun, 21 Apr 2024 16:00:30 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Mikey takes us through the 7 society rules that he thinks we should throw in the bin. Tune in and unlearn what you may not believe. Let us know what you think.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Revealed: Where Will NZ End Up? Sociologist Paul Spoonley

Wed, 17 Apr 2024 22:07:53 GMT

Professor Paul Spoonley has spent his life studying and researching the path NZ is on. Focussing on demography, migration, birth rates etc. he can shed some light on our expected social change and demography and how this impacts policy decisions at the political level. We ask some hard questions around how NZ will pay the bills for superannuation, rising infrastructure needs and basically gives ourselves a big fright that we are on a very scary path if we don’t have some serious conversations with the entire nation. You do not want to miss this wake up call!

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Money Mail 205 - Action Creates Action

Mon, 15 Apr 2024 17:00:54 GMT

Too many people ignore starting with the low-hanging fruit in front of them and instead try and skip to the million dollar outcome. The downside to this is that people don’t start something, or they get put off by the lack of progress toward their ideal outcome. We then miss all the lessons that taking action teaches us. One of my favourite lessons is that action leads to action.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - What To Do When You're Stuck

Sun, 14 Apr 2024 16:00:25 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Tune in to hear my thoughts about what to do when you're feeling stuck and how to find ideas.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Fake Titties, Real Money w Mikey Smith

Wed, 10 Apr 2024 17:00:47 GMT

Wo wo wo what is this podcast about? Luke starts with a story of a helicopter owner and guesses how he got it. Then, what can we learn from the growth in fake boobs? How can we apply this to ourselves & other industries?. Let's explore.

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Money Mail 204 - My 'taxable' headphones

Mon, 08 Apr 2024 20:48:26 GMT

We are talking tax! How my headphones became taxable? Why are landlords claiming interest again? There are a lot of high level tax lessons in here so strap yourself in for some tangents and highly educational content.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - Millionaire at 23. Broke at 25. Story of Simon Phillips

Sun, 07 Apr 2024 16:00:59 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

What If Inflation Is Here For A Decade? w Mikey Smith

Wed, 03 Apr 2024 16:00:13 GMT

We are being told that inflation is coming down and will soon be ‘over’. But what if they have it wrong just like when it was ‘a global problem’ or ‘transitory’? What if we have high inflation for some time? Let’s look at how that could happen and then explore what NZ looks like.

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ICYWL - 3 Stages Of Your Financial Journey w Mikey Smith

Sun, 31 Mar 2024 16:00:29 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

The three stages that everyone will go through. You can use this to help figure out where you're at and we will be expanding on this by providing more content over time.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 203 - A Warning Before Taking On More Debt

Thu, 28 Mar 2024 22:46:41 GMT

It's getting very tricky to pay back debt at the moment. Higher interest rates, higher cost of living and higher taxes. Say what? Yes, a lot of our living costs are soaked up by the lower tax brackets and then our incomes above $48,000 are taxed at 30%+. This means you have to make even more to then pay the tax and then clear the debt. Let's explore how the tax brackets not moving since 2010 has set things up to be very tricky when it comes to repaying debt!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

340,000 Followers: Instagram Vs Reality w Healthy Kelsi

Wed, 27 Mar 2024 16:00:54 GMT

In this episode we sit down with @HealthyKelsii (social name) to learn about her healthy but unconventional life. We are always trying to find kiwis that are living life a different way and Kelsi certainly does that. Kelsi started food blogging in 2020 and didn’t stop. Today she has hundreds of thousands of followers and people from all over the world who lean on her for healthy recipes. So how does she make money and what’s it like having over 340,000 followers? Let’s find out!

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 202 - The Resilience In (Y)our Economy

Mon, 25 Mar 2024 16:00:57 GMT

Last week we looked at the brutal reality of the economy slowing down. This week we had GDP data announced at -0.1%. Recession confirmed. But we don’t need to go down that path again. Old news. Let’s turn to a more positive. There are many options compared to the last major economic downturn. Remember the one that we labeled as the GFC back in 2006 to 2009? Well, life looks very different these days. There’s a beautiful thing called the internet.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

SOS! Need Your Help! Know A Senior Accountant?

Sun, 24 Mar 2024 23:11:46 GMT

At nextAdvisory we are on the hunt for a senior accountant or even a good quality intermediate accountant with review experience and we need your help to find this person. We want the right person for this role so in this podcast we explain who this might b. We would love it if you could pass this on to somebody you know who might be appropriate for this role. We will reward you if we have success in finding the right person. Thanks!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - The More Money Webinar

Sun, 24 Mar 2024 16:00:45 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Let's explore how we can make more money in 2022.

How can we get back in control of our income when costs are creeping up on us?

Check out the more money template

https://docs.google.com/document/d/1HP2cjvCzaf8s2YMhbfBAAZNtzs-ULww52c3P4oX3k_8/edit

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Bitcoin: Boom Or Bust From Here? w Darcy Ungaro (Ungaro & Co)

Wed, 20 Mar 2024 16:00:25 GMT

Bitcoin. It’s at all time highs and it’s all the rage AGAIN! Mikey and Luke invite Darcy Ungaro from Ungaro & Co which Is a Registered Financial Service Provider to discuss this internet coin, thing?! Darcy also hosts ‘The Everyday Investor’ podcast.

This conversation turns into a 2 hour conversation around bitcoin and what the hell it’s all about. We go down many roads: is money broken? Is it an inflation hedge? Are people ‘short’ the NZ dollar? Do home owners understand this but not buy it? Did Luke lose 0.4 of one in Vegas?

If you’ve been interested in Bitcoin this will get your mind spinning.

Note: this isn’t a bitcoin basics podcast but we’ll do one of those soon too.

This isn’t a recommendation to buy Bitcoin either, it’s a discussion around what is going on.

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Money Mail 201 - We Must Be In A Recession? (Again!)

Wed, 20 Mar 2024 01:03:37 GMT

On the 21st of March 2024 we get to find out whether we have been in a receesion since the 1st of July 2023. I think we are and I will explain why. I could be wrong but I doubt it. Unfortunately, the March quarter feels even trickier. But data is what counts, not what I feel so who knows maybe i've got it all wrong. Regardless, it's tricky out there economically and we can still zoom out to get ourselves ready for the next summer as we embrace this economic winter.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - $500 to $100mil | The Story of Izzy Whitley (Aotearoa Labour Hire)

Sun, 17 Mar 2024 16:00:58 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Luke sits down with Izzy Whitley from Aotearoa Labour Hire to discuss his six years in business and his goal to turn over $100 million a year. Tune into this inspiring hour of his lessons.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Sorry, But The Answer Is Make More Money w Mikey Smith

Wed, 13 Mar 2024 16:00:46 GMT

This podcast features Mikey Smith of https://guardiansmith.co.nz

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Money Mail 200 - How I Wrote 200 Money Mail Lessons

Mon, 11 Mar 2024 23:00:51 GMT

We are at week 200 of Money Mail. Where did those weeks go. We take a look at the on word that has helped me produce 200 of these lessons for everyday kiwis and how you can use it to your advantage because many people simply can't do it. So what is that one word? Let's find out!

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - Mind Blowing Books To Read

Sun, 10 Mar 2024 16:00:26 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Listen in to find out about important books around financial literacy that could help you further educate yourself. These books have really helped my life i hope you get a lot out of them too.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

The Kiwi Silicon Valley Success Story - w Aaron Rama (Keyhook)

Thu, 07 Mar 2024 16:00:23 GMT

Hear from someone who left NZ at 19 to go and learn to code in San Fransisco. Living just a block from Mark Zuckerberg, Aaron has an awesome story to tell. He built and sold a business that saw him freehold by 26. He’s now building Keyhook the property management technology looking to change the way rental property is managed. In this episode we explore thinking bigger and following your interests. How do Americans take so much risk whilst we are so conservative? Strap yourself in!

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Franchising: Good Or Bad? w Reon Paterson (SmithAndSons.co.nz)

Wed, 06 Mar 2024 16:00:57 GMT

Franchising is another vehicle or pathway for all of us to consider because we don’t learn about these things growing up. Have you ever wondered about owning a franchise? How does it work? Who’s it for? Who’s it not for? How can you get the most out of it? What do we need to look out for? In this episode we sit down with Reon Paterson from SmithAndSons.co.nz who oversees 27 Smith And Sons franchise owners across New Zealand. He’s the master franchisee so knows a bit about franchising. We pick his brains and see what we can learn. Once you’re finished with this podcast you’ll realise franchises are all around you in NZ.

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From Apprentice To Master Franchisee w Reon Paterson (SmithAndSons.co.nz)

Tue, 05 Mar 2024 16:00:48 GMT

Following your interests can open many doors. It can build many doors too. In this episode we sit down with Reon Paterson from SmithAndSons.co.nz who is on a mission to turn builders into business owners and make sure Smith And Sons is a household name in New Zealand. He started on the tools himself and has spent 3 decades in the industry. Today he oversees 27 Smith And Sons franchise owners and plays a big role in ensuring they have what they need to be successful.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 199 - How a 15yo makes $50,000 online

Mon, 04 Mar 2024 16:00:58 GMT

Recently, I sat down with a 15yo who had sold over $50,000 of goods on the internet. Self-taught, all the whilst managing the usual school life and demands of a social life. I recorded the conversation so that you could listen to it and learn from it too. It will either inspire you or it'll have you ignoring how simple the advice is. You'll learn something though so find it and tune in. Here are my key takeaways from the interview.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - Working On Super Yachts (Ultimate OE) w Hamish Taylor

Sun, 03 Mar 2024 16:00:33 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Hamish Taylor from Yachties Of NZ sits down to tell us about a different way to live abroad. Hear some tales from his travels as well as HOW to get into the industry.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Hardship is rising, FAST! w Mikey Smith

Wed, 28 Feb 2024 16:00:43 GMT

It’s hard out there and it’s going to get harder. If interest rates stay higher for longer, there will be even more people seeking assistance from their bank. Last year we saw record KiwiSaver hardship requests and this year it’s probably going to be the banks turn. I ask Mikey how things have changed for his team at GuardianSmith.co.nz and if their phone is ringing with people with mortgages asking for help. You won’t want to miss this episode!

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Money Mail 198 - The b!tch of a first $100k snowball

Mon, 26 Feb 2024 16:00:34 GMT

$100,000, the magical figure. Where did it come from? Perhaps I had heard the late Charlie Munger (one of the worlds great investors) who once said your first $100K is the toughest to earn — but most crucial for building wealth. “The first $100,000 is a b*tch, but you gotta do it. I don’t care what you have to do — if it means walking everywhere and not eating anything that wasn’t purchased with a coupon, find a way to get your hands on $100,000. After that, you can ease off the gas a little bit.” The above makes more sense to me now that I’ve done it. Let's explore.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - Money Mail 9 - Two Jobs, Double Tax? WRONG!

Sun, 25 Feb 2024 16:00:58 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

In this episode we are busting some tax myths! If you have ever turned down work because you're scared of secondary tax then this one is for you. Spoiler - there is no such thing as double tax.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

What’s all the Debt To Income ratio noise? W Mikey Smith

Wed, 21 Feb 2024 16:00:11 GMT

There has been a lot of chat recently about Debt To Income ratios changing and people have been freaking out. I sit down with Mikey from GuardianSmith.co.nz to ask what the hell these are. Does it really mean it’ll be harder to buy a house? How can we prepare if we are going to buy? As always, Mikey has all the answers and we share them with you.

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Money Mail 197 - Steal This Govt Trick For Yourself

Mon, 19 Feb 2024 16:00:21 GMT

If you’re an employee, by the time you get paid there is a high chance you will have already spent a chunk of your pay. The govt take from us, then the bank, then the big corporates and then we have whats left over to play with. So why do they do this and how can we use these tactics toward achieving our goals?

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - (You Have All You Need To Start) Less Thinking, More Doing w Mikey Smith

Sun, 18 Feb 2024 16:00:19 GMT

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Sole Trader Thursday by Xero

Thu, 15 Feb 2024 05:50:40 GMT

Join us for an exciting episode with Olivia McGann (Head of Operations - NZ) from Xero as we discuss one of the softwares that changed my life as an accountant and a business owner.

2024 is a leap year so we get an extra day! Xero is empowering sole traders to take control of their financial affairs by calling the 29th of February - Sole Trader Thursday, as the day for completing their financial admin. To help Sole Traders confidently approach navigating their finances Xero has developed some helpful guides, tips and tricks to help individuals know where to start. Access the resources by visiting xero.com/soletraderthursday.

Xero helps sole traders invoice and collect payments faster, connect their bank accounts as a bank feed, save important documents, review financial data like profitability. To celebrate this initiative, Xero is offering first-time or new customers 50% off for 3-months on any new subscription until 31 March 2024. Terms apply - go to xero.com/soletraderthursday for more information.

The information in this above/ in this podcast is for general guidance only and you should seek appropriate tax, financial and legal advice as may be appropriate for your personal or business needs

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Why Money Should Never Be The Goal w Mikey Smith

Wed, 14 Feb 2024 16:00:29 GMT

Ever made more than your goal but not felt the satisfaction? Mikey takes us through his 3 subcategories of goals exercise and then works backwards on how to obtain them. We look at whether money is a good goal or whether there is way more to it than setting random figures as goals.

Find us here:

@keepthechange_nz

https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 196 - Min wage up 2%, what about yours

Mon, 12 Feb 2024 16:00:02 GMT

On 1 April 2024, inimum wage is increasing by 2%. The last minimum wage increase lower than 2% we could spot was in 2013 when it moved to $13.75 from $13.50 the year before. Does this set the standard of pay increases that employees can expect this year? Part of the flow on effect is not only the minimum wage that increases, but those earning within the increase and slightly above. Let's explore

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - The Importance of Month End

Sun, 11 Feb 2024 16:00:01 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Reminder: Have you been doing your month-end process?

Today's bonus episode is around month end and what you should do to set yourself up for success. This is extremely important as we embark on the silly season as we know this can be a stressful time of year for kiwis.

You can access our "Financial Position" template through the link below:
https://drive.google.com/drive/u/1/folders/1djmETm-76k4gEwb9EupQ_Hx0x4BtGT0Y?fbclid=IwAR3iv2WYHi3njfWldY4zzvPsjt-aI_w1x7FOVHS2f9iO8X6Qh77Tlgv57Hc

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 195 - Why can't you see your value

Sun, 11 Feb 2024 04:26:31 GMT

You’ve heard me tell you this before, but you can’t hear it enough. Money exchanges hands when value exceeds price. Unfortunately, most kiwis don’t realise how valuable they are. They can’t see that they have valuable skills. So here is a story about an everyday Kiwi who took the bull by the horns and proved it to us.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Deadlines Create Decisions w Jade (from BTS of KTC)

Wed, 07 Feb 2024 16:00:02 GMT

Ever wondered how all the KTC podcasts and content ends up on your screen or in your speakers? Well, introducing Jade! She does it all. She’s recently made a big decision and had to do it quickly. This led to a lot of action and a lot of lessons. Jade jumps on the podcast for us to unpack some of those lessons and how we can apply them to our lives. Go well Jade! Enjoy.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

ICYWL - Where do you see yourself in 5 years? w Mikey Smith

Sun, 04 Feb 2024 16:00:02 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

How to get people thinking about the age old question of where you see yourself in five years time and actually building a vision for your life.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Escape Velocity (You Can't Get Cancelled) w Mikey Smith

Wed, 31 Jan 2024 16:00:02 GMT

What can we learn from people who others want to cancel but can’t be? What are they doing that might help us think about how we live our lives? What if we did so much good that when we finally do something bad our friends or workmates stick up for us? Let’s explore.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.

Money Mail 194 - Will Interest Rates Change, Or Will You

Mon, 29 Jan 2024 16:00:02 GMT

This year, I have already heard too many times that 2024 will be better because: We have more certainty with a change in government. There will be a change in interest rates (decrease). There is a change in tax rates (decrease). But guess what, you and I aren’t making any of those 3 changes. They are being made for us. Think about what you can change in 2024 to have a better year than 2023.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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ICYWL - How To Smash 2022 (Any year)

Sun, 28 Jan 2024 16:00:02 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Hey 👋🏻 these are some practical things you can use to help you achieve your goals in 2022. I’ve tested these myself and can vouch for them. I hope they help you smash 2022, Luke!
tthis is a re-release of an earlier podcast that other listeners have found very useful.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Shocking Start Up Realities Revealed w James Fuller from Hnry

Wed, 24 Jan 2024 16:00:02 GMT

James Fuller is back in the studio to tell all of us kiwis what it's really like building one of NZ’s fastest growing start-ups. What does it do to your work/life balance, your family, your health, your view of the world, your network. Is it like the instagram / YouTube reels of glamour or is the grind worth it? This is real life insight to the realities of turning an idea into an industry disruptor that now has over 100,000 customers and over 100 staff members. This is a true success story of New Zealand tech. Let's go!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The ‘Sweetspot’ Of Property Investing w Ilse Wolfe

Mon, 22 Jan 2024 16:00:02 GMT

Ilse Wolfe is back in the hot seat to show us how get the best return for effort when investing in property. Tricks from years in the trade that you can steal and implement through your journey. We look at buying the right buy-and-hold properties to add value to, (off the tools) in a way that builds your ideal portfolio in the fastest way. How equity works and what the banks are looking at when financing your deal. This is a look behind the curtain at the strategies Ilse has used her self and her clients use.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 193 - How much is 'a lot' of money?

Sun, 21 Jan 2024 18:07:13 GMT

Do you know how to answer that? I often hear people say ‘that’s a lot of money’ and I wonder where that came from? How do we decide what a lot of money is? I thought I would ask some of the KTC followers on Instagram. Here is a summary of what they said...

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ICYWL - Money Mail 37 - The Number One Thing To Invest In This Year...And Next

Sun, 21 Jan 2024 16:00:01 GMT

This is a re-release of an earlier podcast that other listeners have found very useful.

Clue - it isn't a stock on the stock market. This investment is often overlooked by the masses but not by those who really know how to get a huge return. Check this lesson out and see what it is.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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You Ruined MY Accounting Industry Hnry! w James Fuller

Wed, 17 Jan 2024 16:00:01 GMT

What happens when the best looking (and most arrogant?) accountant in NZ and the biggest accountant in NZ walk into a studio at the same time? We find out! This is a sit down with James Fuller, the CEO and co-founder of Hnry. Hnry have revolutionised the accounting industry and put the power back in the sole traders hands by simplifying the boring and scary area of tax. We ask your questions and see how a start up went from nothing to NZ’s biggest accountant in only 6 years.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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How To Be Successful w Mikey Smith (Guardian Smith)

Mon, 15 Jan 2024 16:00:03 GMT

Luke recently read a book discussing how to be successful and the laws around this so takes Mikey through some of the key points. You will be blown away by how accurate and relevant they are considering this book was written 100 years ago. Some great summertime reading for you off the back of this podcast.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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ICYWL - Luke's Themes / Be Mindful's for 2023 w Mikey Smith

Sun, 14 Jan 2024 16:00:03 GMT

Luke did some thinking on the plane on his way back from his trip and has some things already that he is going to be mindful of the 2023. See what you believe and see what might help you as well.

This is a re-release of an earlier podcast that other listeners have found very useful.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 192 - I Became A Millionaire In 2023. Who Cares?

Thu, 11 Jan 2024 16:00:03 GMT

When I first built the Keep The Change website over 3.5 years ago, I wrote this in the ‘About me’ section: Not a millionaire (yet), but am on the path and think we all can be too. I wasn’t a millionaire when I wrote that, nowhere near. But I am today, depending on the defitinion you use. Was this a good goal or too small? Let's explore because regardless, I used 'the goal stack' to achieve this.

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Stacking $100k Rd2 + Burberry Treats w Mikey Smith (Guardian Smith)

Wed, 10 Jan 2024 16:00:02 GMT

I have taken you through my methodology both through the podcast and Instagram on how I stacked $100,000 and why I did this. I have recently challenged myself to do this again and wanted to share with you the insights of how the second time differed from the first time and hope you can learn something from this too. Please take inspiration from this and remember that everybody has their own goals.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 191 - It's (y)our year

Tue, 09 Jan 2024 03:25:01 GMT

Instead of just getting ready for another tricky year, why not decide to make this YOUR year?Start by deciding that it’s your farking year. Decide today, to act like the version of yourself you need to be that achieves these goals. You’ll need this simple stack...

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Is It Worth Leaving Money In The Bank? w Mikey Smith (Guardian Smith)

Mon, 08 Jan 2024 16:00:03 GMT

A recent question from the community around whether leaving money in the bank was a smart or safe thing to do and whilst there are no certainties in life we dig into some of the things to think about when it comes to bank accounts, inflation, and these other financial entities popping us suggesting that you could save your money with them.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 190 - The #1 KTC podcast in 2023

Mon, 08 Jan 2024 01:25:01 GMT

The podcast had 600,000 downloads in 2024. There are now over 450 episodes to learn from. All Money Mail lessons (Friday emails) are read as podcasts too, and I am able to go a bit deeper into some of the context of the email. Here is a list of the 15 most listened to podcasts of the last 12 months. I guarantee you that there is a summertime gem in there for you to learn from.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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HOW TO Destroy 2024 w Mikey Smith

Sun, 07 Jan 2024 16:00:03 GMT

Happy New Year! Here we are again, another bright new year to get stuck into. In this episode, Mikey and Luke sit down to get mostly Luke's thoughts on how to DESTROY 2024 and make sure this is your best year yet. Get stuck into this one and tell us what actions you will take to ensure this is the best year of your life.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 189 - Only 0.67% of kiwis earn this

Sat, 06 Jan 2024 22:54:35 GMT

11% of kiwis earn over $100,000. That’s according to the 2022 IRD taxable income data that I spent time running some calculations on one weekend. Let's explore who gets paid what and what %. Remember comparison is the theif of joy so use this data wisely.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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'You Can't Make The Pie Larger' Says Who? w Mikey Smith

Wed, 03 Jan 2024 16:00:03 GMT

Can the pie get bigger without someone losing? This is the question that Mikey answers in this podcast. We explore the pie fallacy and zero sum versus fixed sum.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The 15yo $50k Entrepreneur

Mon, 01 Jan 2024 16:00:03 GMT

If you still think that making money is hard and you cant do it then this could be the podcast for you. 'Caleb' comes in to tell us about how he has sold $50,000 worth of goods on the internet and how he has learned this from social media. There are heaps of business lessons in here and selling fundamentals and it is mind-blowing to see what the younger generation is picking up and having a crack at that we still think isn't possible.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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ULTIMATE First Home Buyers Deposit Guide w Mikey Smith

Wed, 27 Dec 2023 16:00:03 GMT

They say that getting into your first home can be one of the hardest projects of your life. In this podcast we break down the exact methodology you need to implement to save a deposit for your first home. This is the ultimate guide from Keep The Change and Guardian Smith. Good Luck!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Property Mistakes + Tips + 2024 Predictions w Tama Singh

Mon, 25 Dec 2023 16:00:03 GMT

Up down, sideways? Who knows? Tama might because he eats, sleeps, dreams and flips property every day. We sit down to talk about what we will see in the 2024 year when it comes to property. You also get your questions from instagram answered. Tips for buying in 2024 and the common mistakes that Tama sees people make.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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2023: The Year In Review w Mikey Smith

Wed, 20 Dec 2023 16:00:02 GMT

Is congratulations you made it to the end of the year. In this podcast we take a look back at what we noticed throughout this year and how it's been for us. We also dive into the OCR, unemployment, recession, migration, and inflation. It wouldn't be a review without a quick look at what the next year may bring as well so get stuck in.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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2 kids, 32 properties, 17 years w Ilse Wolfe

Mon, 18 Dec 2023 16:00:03 GMT

We’ve got a weapon in the building. Someone who is juggling a lot including kids, tenants, investments and clients. Ilse Wolfe from Wolfe Property Coaching helps people get started on their property journey and wants to re-teach some of the lessons (and help others avoid her mistakes) she has picked up throughout her property investment career. We dig into why this is important to her and how she got from a 9-5 role to one of the largest property owners in NZ.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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‘WTF Is Personal Branding?’

Mon, 18 Dec 2023 00:15:10 GMT

Luke was recently on a panel in the accounting world about what personal branding is and what it leads to. Is it even worth it? Luke and another accountant explain the pros, cons and how to get started. This podcast won’t be for everyone but it will help some of you who may be thinking about increasing your own brand in a venture or as an individual. There are some powerful principles in here so tune in and learn.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 188 - What version of money are you on?

Fri, 15 Dec 2023 23:03:57 GMT

Recently somebody asked me whether it’s a good idea to pay off their $2.5k student loan if you have $2.5k saved. Only they know that answer. But it got me thinking about the levels of money and the versions of ourselves. So I asked the old version of myself what they would do, then I asked the new version of me. Don't have a student loan? This is just as relevant to you! Get stuck in

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Improve Your Finances, Earn More money, Pay off Debt! w/ The High Frequency Club

Wed, 13 Dec 2023 16:00:03 GMT

Luke features on The High Frequency Club podcast to discuss paying off your debt, combating the rising costs of living and help alleviate your current and future money stresses.

Check them out here: https://open.spotify.com/show/0wCq6F8txKy9skzoENG2fr?si=0f53784b9c3c4c60

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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50 Flips Tama Singh Quits Job & Goes ALL IN - WTF!

Mon, 11 Dec 2023 16:00:03 GMT

He’s back in the studio but this time he is all in. Last time he let us know that he still had a job and many people were mind blown. How the hell was he managing everything and what will be possible if this is Tama’s full focus? These are the questions we have too. We explore InvestorPro - the new App that Tama’s team have built and whether that perfect flip record is in tact with no losses to report?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 187 - Cashing up annual leave, good or bad?

Thu, 07 Dec 2023 22:05:04 GMT

As money gets tight for people, I read about the different ways people are trying to put money back into their household. One of the ways people are doing this is by cashing up annual leave. This is where employees exchange some of their unused annual leave for cold hard cash. A nice cash injection! BUT what should we be thinking about before doing this?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Why The Hunting Season Is A Must w Mikey Smith (Guardian Smith)

Wed, 06 Dec 2023 16:00:03 GMT

Mikey comes in all guns blazing around why everybody needs to experience the hunting season, and no we ain't talking about knocking over a couple of deers or goats. In this podcast we will explore what a hinting season is and how 18-36 months of your time could change your life projection.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Sharesies | Behind The Scenes w/ Leighton Roberts (CEO)

Mon, 04 Dec 2023 16:00:03 GMT

Leighton Roberts CEO and co-founder of Sharesies stops by to answer your questions and several others about the journey and future of Sharesies including whether your shares are safe and how to get your kids started in investing.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 186 - Students lose 45% of a portion of their income?

Thu, 30 Nov 2023 16:00:03 GMT

For those with student loans, 12% of all income above the IRD threshold ($22,828 at present) has to be repaid against the student loan. This is calculated on your gross income (before tax) not your net income / take-home income. They are feeling the pinch from the cost of living and tax brackets not moving. No wonder they are finding it hard to then save money also. Check this one out!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Housing Unaffordability Is At Its Worst? (Oct 23) w Mikey Smith (Guardian Smith)

Wed, 29 Nov 2023 16:00:03 GMT

Recent data from October suggests that there has never been a more unaffordable time to buy a home if you are a first-home buyer. We dig into the data to have a look at how this could be given house prices have decreased and what you need to be thinking about if you are hoping to buy soon.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Why Are People Scared To Take Risk? w Mikey Smith

Mon, 27 Nov 2023 16:00:04 GMT

Often I get messages from people wondering what is the best platform to buy shares on, what is the best bank to get a term deposit with, who has the best interest rates, its goes on and on. Normally, I don't have the answers but it does get me thinking about why people are so scared to get things wrong and take risks. Is it because things have been so easy in recent history? Let's explore and get some of you ignoring part of the risk and learning to take action.

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What The New Govt Means For You & I? w Mikey Smith (Guardian Smith)

Sun, 26 Nov 2023 20:10:43 GMT

We finally have a confirmed new government and Mikey takes us through some of the changes that we might expect in the coming years. What will this mean for you and what do you need to focus on? Let's have a look.

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Money Mail 185 - ‘We sold the forever home’

Fri, 24 Nov 2023 04:07:50 GMT

[Hey bro, today we did it!! Unconditionally sold our “forever home” We were $1m in the hole(debt) paying crook interest mate ($70,000pa).] I received this thought provoking message from a reader. I thought this one might interest you. What decisions did you make at 2% interest rates that you wouldn’t have made at 6 or 7% interest?

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WTF! Mikey Says Interest Rates Go Down From Here!

Wed, 22 Nov 2023 16:00:04 GMT

Mikey is back in the studio to fill us in on his thesis around why he thinks interest rates are going to decrease in 2024 which will be exciting for some of you mortgage holders. Let's find out why that might happen and it why might not be great for all of us.

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Who Am I Really? w/ Luke's Partner Tazz

Mon, 20 Nov 2023 16:00:03 GMT

My partner came to me and said that the listeners need to know a bit more about my softer side and some of the things you may not know about me. She sits me down with a stack of questions and fired them at me. Hopefully there are some lessons in here and no doubt some ins gith to the way I think about things.

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Money Mail 184 - Are kiwis getting poorer?

Thu, 16 Nov 2023 16:58:23 GMT

Stats NZ has recently released updated data on kiwi households' net worth. To the end of the June quarter, NZ has a total of $2177billion in combined household net worth. At the height of the asset(s) bubble and before things started to really turn the other way, the total household net worth was around $2432billion. Where’s it all gone?

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Siya Kolisi - Perspective

Wed, 15 Nov 2023 16:00:03 GMT

Have you heard the story background story of Siya Kolisi, an inspiration. The South African Rugby Wolrd Cup winning captain explains a bit about his journey in a keynote that I thought may inspire a number of you. Enjoy.

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How To Diversify? w Rupert (Kōura Wealth)

Mon, 13 Nov 2023 11:00:03 GMT

Apparently it’s smart to diversify when it comes to investing. What does that even mean? And how do we think about this for our individual situations given they are so different? Rupert Carlyon is here to explain another complex topic and make it sound simple. Get diversified.

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Money Mail 183 - 60% tax free gains

Sat, 11 Nov 2023 03:07:43 GMT

I got a bit of a fright last week when I logged into Sharesies and saw one of my stocks had increased by 60%. I refreshed the page a couple of times to make sure there wasn't a minus sign that had failed to load. But no, legit, 60% gains baby! So what happened?

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Did The Boomers Have It All? w Mikey Smith

Wed, 08 Nov 2023 16:00:02 GMT

People often joke that the boomers had it easy when it comes to the housing market but did they really? What about all the things that we have in the modern day that they didn't have. This podcast is inspired by a listener request, if you'd like to send in your request please do so. Enjoy

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Edwards & Co 100x Their Pram Sales w Mark Edwards

Mon, 06 Nov 2023 16:00:03 GMT

2023 EY entrepreneur of the year finalist Mark Edwards joins us to explain how an idea turned into selling 100 prams in year one and now more than 10,000 a year. The story of Edwards and Co’s growth including the ups and downs.

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Money Mail 182 - Why do people need to lose their jobs?

Fri, 03 Nov 2023 23:27:30 GMT

The unemployment rate has risen to 3.9% from 3.6% last quarter. It’s slowly increasing. Often people ask why we would want unemployment to increase? Shouldn’t we want more people working? Statistics NZ tells us that 118,000 people are currently unemployed. Why would we want this number to increase? Let's try and figure it out.

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Productivity - How Big Of An Issue? w Rupert (Kōura Wealth)

Wed, 01 Nov 2023 16:00:03 GMT

The big P word that people talk about but no one ever explains. I sit down with Rupert Carlyon who has been publishing a lot of information in this space so that we can understand it better AND think about what our country could look like if we took it more seriously. Since we probably won’t, we get stuck into ways as individuals we can be thinking about this important concept.

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Do You Deserve It? (Hard Conversation!) w Mikey Smith

Mon, 30 Oct 2023 16:00:03 GMT

Mikey comes in with an absolute banger of a topic around when you deserve the things that you want in your life. This is a very tricky conversation for a lot of us and we give some real examples that have happened recently to help you understand the topic. Enjoy!

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Money Mail 181 - WANTED: Dead Or Alive: Bitcoin

Thu, 26 Oct 2023 20:00:03 GMT

You might be surprised to know that bitcoin is up over 100% this year alone. Wait what? By the time you get to this, yes there could be a wild swing in the price and that % may not be accurate but, at the time of writing this, bitcoin is still doing its thing. Where has all the hype gone and what do we need to know about Bitcoin?

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Risking It All In Property Development w Curtis McCorquindale (Queenwood Property)

Wed, 25 Oct 2023 16:00:02 GMT

Imagine having an interest in property development and then randomly buying a section and figuring out how to develop it. Well that’s what Curtis did. Curtis sits down to share his journey including what he would do differently and how if it wasn’t for his hustle + resourcefulness he may be back in employment. A great example of the will to succeed. Enjoy!

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Money Mail 180 - Do Young People Understand Inflation?

Wed, 25 Oct 2023 03:53:23 GMT

58% of Gen Z got this question about inflation wrong. 51% of Millennials got it wrong too. Only 18% of Baby Boomers got it wrong. So what is the question and how come the young people are getting it wrong? Recent inflation data out of New Zealand reminds us that we really need to understand the thief stealing our purchasing power so let's dive in and get a refresh.

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REVEALED: What Each Age Bracket Makes w Mikey Smith

Mon, 23 Oct 2023 16:00:03 GMT

We dig into some recent data from Statistics New Zealand about different age brackets in New Zealand and the median income. You may be surprised to know and this may get you thinking about where you sit and where you would like to sit and think about increasing your income as always and building value into yourself so that you can beat the statistics if that's your thing.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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How To Network w Mikey Smith

Wed, 18 Oct 2023 16:00:03 GMT

On the back of the success of the "How To Approach Someone" podcast it is time to look at helping you introverts on a bit of networking. There are no excuses here and you can learn some frameworks to help you network at those pesky events that you were skied to go to. This is a number one resource to help you overcome the fear of networking with str.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 179 - ‘I’ve got an idea’ - oh do you now?

Wed, 18 Oct 2023 00:27:13 GMT

We've all got an idea or two. I'e had a tonne over the years myself and most I have done nothing with. We know that ideas are sh!t without execution. So how do we think about validating our ideas and getting them going? Why does it seem so hard? And why are we doing it in the first place? Let's get executing

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All Things Crypto Tax With Ex IRD Investigator Jodi Collinge JCTAX.co.nz

Mon, 16 Oct 2023 16:00:03 GMT

A big scoop here as we get an ex-IRD investigator from the crypto team to sit down and teach us about all of the misunderstandings when it comes to cryptocurrency and why many Kiwis may not be meeting their correct tax obligations. You crypto lovers will enjoy this one.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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What If Australia Wasn't There? w Mikey Smith

Wed, 11 Oct 2023 16:00:02 GMT

Have you ever wondered what New Zealand would be like if Australia wasn't so close and wasn't there at all? At the moment plenty of people are moving to Australia for a larger income and better lifestyle but what if that wasn't an option what would you do then?

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Small Business Owner? Improve YOUR Financial Literacy w/ Campfire Studios

Mon, 09 Oct 2023 16:00:03 GMT

Luke heads to Campfire Studios to sit down with Guy and Will to talk all things business, finance economy, and financial literacy.

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Money Mail 178 - Your Will: The Most Overlooked Decision of Your Life?

Sat, 07 Oct 2023 08:33:14 GMT

In 2022 I had to do some real ‘adult sh!t’. That is never fun, is it? The kind of stuff most of us will avoid because it’s a bit scary. Or, like all good humans, we will do it when we are ‘forced to’. I started thinking about my death. I know Kereen I know that is some morbid chat. I apologise, but apparently I have a 100% chance of dying in my lifetime, so I thought I had better tidy up some admin in this space. I started by putting a Will in place.

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Who Believed In You? MUST Listen w Mikey Smith

Wed, 04 Oct 2023 16:00:03 GMT

Luke recalls being very lucky in early life to have many people share their belief in him and he explains this and how this has really benefitted him. We dive into a story from a KTC listener around a surprising figure who believed in them and how this now shaoed the way they see themselves. So the question for you is who believed in you and who can you pass on some belief to?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 177 - REVEALED: What I Did Last Election

Tue, 03 Oct 2023 22:38:02 GMT

Last week I received hundreds of dollars in dividends. Sick brag I know! 3 years ago, when everyone was last heading for the polls, I didn’t have the $8k invested that generated those hundreds of dollars of dividends. Don’t ignore the principle just because you don’t have $8,000 right now. What about when you do?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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What We Saw In Singapore + Bali + Sydney w Mikey Smith

Mon, 02 Oct 2023 16:00:02 GMT

A fair bit of travel recently! This is a quick recount of some of the things Luke noticed when traveling through either Singapore Bali or Sydney and how travel always seems to get your mind looking at things in a different way and seeing what is happening out of your own environment.

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I Give 22yo Dangerous Life Advice, 3 Years Later He Returns w Jono Lloyd West

Wed, 27 Sep 2023 16:00:03 GMT

Three years ago a young lad came to me and sought some guidance on a situation they were faced with. I gave them some potentially risky and dangerous life advice that I knew they could handle and three years later they come back to tell me how that advice has played out and where they are now.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Are House Prices Roaring Again? (Sept 2023) w Mikey Smith

Mon, 25 Sep 2023 16:00:03 GMT

There's a lot of talk that we have gone well past the bottom of the housing market so have we? Mikey and Luke take a look at recent changes in the housing market and where things could go from here.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 176 - Recession Over! Why Doesn’t It Feel Like It?

Sat, 23 Sep 2023 02:41:34 GMT

This weeks Gross Domestic Product data told us that we are out of a recession. The economy is growing. It might only be slightly, but growth is what we are focussed on and how we gauge whether we are in a recession or not. For many of us, it probably doesn’t feel like that. So how come? Let's try and work it out

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 175 - Live Like A King On $40k A Year

Thu, 21 Sep 2023 17:00:02 GMT

I made it out of Bali alive! What an amazing country. Our dollar is worth $9,000 of theirs so it goes a bit further. Travel really gets you thinking about things you say, believe and do. A really eye opening trip and I take you through some of the things I picked up on. Enjoy!

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Money Mail 174 - NZ's ‘Cost Of Inaction’ Crisis

Thu, 21 Sep 2023 04:00:03 GMT

Want more money in your back pocket? Well, don’t wait for an election. In October, hundreds of thousands of kiwis (possibly even millions) are going to vote PURELY based on what cash they’ll get in their wallet. BUT you don’t need to wait, there is a stack of money sitting right in front of you. If only you’d take action. Let's take some and find you some $$$

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money & Relationships(we go there) w Lynda Moore (Money Mentalist)

Wed, 20 Sep 2023 17:00:02 GMT

Strap yourselves in and if you’re brave enough, listen to this with your partner in the same room. I sit down with Lynda Moore from https://moneymentalist.com to discuss some of the differences between men and women when it comes to money and provide a few confessions of my own. Lynda explains how money can be one of the leading causes of the demise of our relationships so how can we bring it up with a partner? Let’s arm ourselves with the knowledge so that we can improve our conversations and relationships.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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What Is Your Money Personality? w Lynda Moore (Money Mentalist)

Mon, 18 Sep 2023 17:00:02 GMT

What are the different types of money personalities and where do they even come from? I sit down with Lynda Moore from https://moneymentalist.com to explore why we do some of the things we do, why we are so scared to talk about money and what beliefs may not be serving us too well. Lynda’s Money Mentalist Programmes help kiwis re-write their beliefs about money and put them on the path to financial freedom. I ask HOW her clients get the best results & what do they do to change their beliefs? Let’s dig in.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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How To Make $100k Online w @JoshRyan

Wed, 13 Sep 2023 17:00:02 GMT

In the second podcast with Josh Ryan, I tasked him with helping us to think about how we could make $100,000 online. Most kiwis will never hit the $100,000 income level, but Josh has and he has done it online by 23 so he is the perfect person to ask. If earning $100,000 isn’t your thing that’s fine too because I ask Josh some of the principles we could be applying to helping us grow our social media presence. Let’s get stuck in.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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Mind Traps You Need To Avoid Part 2 w Mikey Smith

Mon, 11 Sep 2023 17:00:02 GMT

Here it is, the part two of the series around understanding mind traps to avoid. These come from two great YouTube videos that break down the different mind each and every single one of us will experience day to day in our life. The more you understand these the more you will see them and potentially avoid the pitfalls from them and potentially also use them to your advantage where possible.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
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2 Ticks You ✅✅ Beat any political parties promises

Thu, 07 Sep 2023 17:00:02 GMT

How to beat any political parties promises! With the upcoming election promising to be a little bit of a cash lolly scramble to secure your vote, I wanted to remind you how powerful you are and how there may be more available to you ALREADY than you realise. Why wait for an election, 31 March or 1 July when you could implement some of these tactics yourself? Let’s get stuck into them.

Want the slides to access the links?

https://docs.google.com/presentation/d/1tfqn6o6Z8f1LxM6FeWczegAB6m4bIeAt0J47WjNK-Yo/edit#slide=id.g23d8e463fc7_0_12

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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No degree, debt free, top earning kiwi @JoshRyan

Wed, 06 Sep 2023 17:00:02 GMT

I sit down with Josh Ryan, who helps people grow their Instagram and YouTube channels so that they can make more money. They pay him money to do this. Find out about what it’s like, building a business from scratch when all your mates head to uni. Josh got into this straight out of high school and has been doing it for 8 years. What can you learn from this trailblazer?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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REVEALED How (Much) Mikey Gets Paid w Mikey Smith

Mon, 04 Sep 2023 17:00:03 GMT

There are a number of different ways to make income in this country and there are also a number of different forms of income so in this podcast we start by exploring how Mikey gets paid as a mortgage adviser and how some of his income can actually be an asset that can be sold. You will definitely learn something in this and have your eyes opened so get stuck in.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 173 - The ABCs of Depreciation

Mon, 04 Sep 2023 06:25:36 GMT

There’s been a bit of talk recently about depreciation on commercial buildings. This is because two of the major political parties will remove this as a tax-deductible expense after the election. Put simply; depreciation reflects the decrease in value of an asset over time. Well what about rental properties and how does this impact you? Let's learn and explore depreciation.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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TRIGGER - Can You Afford That Pussy?

Wed, 30 Aug 2023 17:00:03 GMT

wow oh we are really going to do this! There's been a lot of chat recently around when the right season is to have a pet so in this episode we will explore Mikey's true cost of his pussy and the number of things we often don't think about when taking on a massive commitment like a pet. Please understand that yes we know you may have different reasons for having pets and that is completely fine we are not here to tell you what to do everybody can make their own decisions for you.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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'Why Is Paying Down Debt Sexier Then Saving?' w Mikey Smith

Mon, 28 Aug 2023 17:00:02 GMT

In this podcast we address a question that we have been asked about 'why paying down debt can feel more enjoyable than saving?'. We take a look at some of the ways we may be conditioned to think about spending and taking on debt and ways to make saving more exciting including revealing some of the ways we are doing that and the outcomes from that.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 172 - I don’t pay all my bills

Sun, 27 Aug 2023 04:49:50 GMT

Ahhh passive Income - you either desire it or believe it to be full of sh!t. We’ve all had dreams of sitting on a beach, paying for cocktails from the interest earnt on our lotto winnings. OR having 4 rental properties, collecting the rent and doing the same, but probably just on Himitangi beach rather than a Hawaiian one. BUT a lot of can understand passive income whilst interest rates are higher so let's take a look at some examples.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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Wow! Kiwis Are Rich $$$ w Mikey Smith

Wed, 23 Aug 2023 17:00:02 GMT

In a recent report from Credit Suisse, it details how Kiwis are a lot richer than you may expect. Did you know that we have hundreds of thousands of Kiwis in the top 1% of worldwide wealth? We also have millions of Kiwis in the top 10% of worldwide wealth. So why do you feel so poor? Let's take a look.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
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August 2023 OCR Surprises w Mikey Smith

Mon, 21 Aug 2023 17:00:03 GMT

So the latest official cash rate announcement has been and there has again been no change in the OCR. However, in this announcement, there were a couple of surprises so we dig into those and see what the reserve bank was trying to tell us at this announcement.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 171 - I made $50k in July

Sun, 20 Aug 2023 02:23:16 GMT

In July, we locked in over $50,000 worth of work directly from the Keep The Change audience. Last week we spoke about the concept of investing in yourself and how it's the best investment to make. Many successful people say things like that. People also say that if you follow your passion, the money will come. July is proof of that for me. BUT look at how long that has taken and how much effort. Let's get into some details!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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HOW To Approach Someone w Mikey Smith (GuardianSmith.co.nz)

Wed, 16 Aug 2023 17:00:02 GMT

Luke gets a rogue email from someone wanting a job, who won't be getting a job. We dive into what this person could have done better and some general principles for you if you're thinking of approaching strangers.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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Where Did The Lambo's Come From w Mikey Smith (GuardianSmith.co.nz)

Mon, 14 Aug 2023 17:00:02 GMT

There are now thousands of supercars on the roads in NZ, we look at some numbers from back in 2000 through to today to see how this has changed and whether it is a good thing or bad thing, as well as how it's all been funded.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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10 Commandments Q&A w Lighthouse Financial

Sun, 13 Aug 2023 17:00:02 GMT

Luke sits down with James from Lighthouse Financial to discuss your questions from Augusts webinar regarding the 10 Commandments of building wealth. There are some rippers in here and as always the live comments take on us a tangent - thanks for tuning in! Hopefully something in here really gets you thinking.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 170 - Did your education cost you your belief?

Thu, 10 Aug 2023 21:38:22 GMT

‘’Invest in yourself’’, ‘’The best investment you can make is in yourself!’’. We’ve all heard these sayings but not everyone is interested in this. These sayings are almost thrown around so much that I don’t think people believe it to be true anymore. I got me thinking, why? Because so many smart, wealthy, happy and experienced people say things like this.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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WEBINAR: The 10 Commandments Of Building Wealth w Lighthouse Financial

Wed, 09 Aug 2023 17:05:01 GMT

Join James Blair from Lighthouse Financial for an interactive webinar where we go through the fundamental wealth principles you need to know to successfully start on your wealth creation journey.This webinar is all about the psychological concepts you need to understand to become financially bulletproof.The 10 commandments:

Understand your motivation for wealth creation
Plans are nothing, planning is everything
Never spend more than what you earn
Make your money work harder than you
Know how you can benefit from the power of compounding
Know how to implement leverage
Give your investments sufficient time to grow
Do not compare your wealth goals to that of peers
Give more value than you take
Treat your wealth like a business (because it is)

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You Bought Your House Now Live In It (Sorry!) w Mikey Smith (GuardianSmith.co.nz)

Mon, 07 Aug 2023 17:00:02 GMT

A recent Keep The Change Instagram poll revealed that a lot of people are questioning their recent decisions to buy a property. In this podcast we review why you didn’t have the info that you have now and how your thinking could be very normal. Perhaps you have buyer's remorse but zoom out and think longer term.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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From Grinding to Success and Fulfillment

Sun, 06 Aug 2023 17:00:02 GMT

Something a little different today, Luke sits down with Shane from lateral lawyers and answers a few of his questions about his journey and what that has led to over the last 7 years, hopefully you can learn something from this.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 169 - Your purchasing power decreased 15% in 3 years

Sat, 05 Aug 2023 00:37:21 GMT

Now that a number of you hate me after suggesting last week's income exercise, I thought I would keep that theme going. Did you know that your purchasing power decreased 15% in 3 years? This is why you really do need to understand inflation! At 11.59pm on March 25, 2020 , New Zealand shut down. Remember that? Regardless of what you believe to have caused inflation, know that it has been compounding at a rate of 5.5% for the last 3 years.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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Offer A Painkiller (Sabri's Idea) w Mikey Smith

Wed, 02 Aug 2023 17:00:02 GMT

If you are in business or looking to make some extra cash then have a look at this framework to think about how you are going to need to position your solution to people whilst the economy is contracting. This is a Sabri Suby's idea around making sure that you can still sell things in a recession.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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Mortgage Rates Rolling Off In The Next 6 Months? w Mikey Smith

Sun, 30 Jul 2023 19:40:18 GMT

For many mortgage holders your interest rates will be rolling off in the next six months and you have a decision to make. I ask Mikey what people should be thinking about when it comes to rates, changing banks, and certainty.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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Money Mail 168 -The disgusting income exercise you want to avoid

Thu, 27 Jul 2023 21:00:02 GMT

Imagine knowing what you’ve earned for the last 8 financial years combined? Well ya can! Uh oh. Do you really want to know? The IRD will let you run a report of your income summary online going right back to the 1st of April 2015. If you’re brave, go back and look at your income through the years. Who's keen?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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Teach Us To Flip Property w Tama Singh

Wed, 26 Jul 2023 18:51:42 GMT

We’ve learnt about what Tama does and why he’s doing it. Now he’s on a journey to teach other people to do the same thing. I ask him how we know if this is our thing and where to start if we want to get into flipping property. Tama explains why starting small and learning the skills is the most valuable piece of the journey, then it’s just rinse and repeat. Find out how much Tama has made through the journey so far and whether he’s going to slow down. Enjoy.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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You Have It All But Feel Stuck w Mikey Smith

Mon, 24 Jul 2023 17:00:02 GMT

This is a listener request from somebody who has everything a lot of people would love to have but is still feeling stuck. We dive into how to think about this differently and think about designing your life plus the seasons that go through that life as well. This will be really helpful for so many people so please listen to this one.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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PLEASE Understand Inflation NOW! w Mikey Smith

Sun, 23 Jul 2023 17:00:02 GMT

Plenty of people are excited about inflation decreasing but you still need to understand the long-term impacts of inflation. This episode will show you what the devaluation of the New Zealand currency looks like and once you know, you’ll need to figure out what you will do to protect your money longer term. This is critical to understand if you want to look after your finances in the long run. This episode is bought you by the good people at Double Yolk. Check out their recent article about scaling their business from $100,000 in turnover to $5 million turnover in 4 years in the NZ Entrepreneur magazine.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 167 - What is a liquidation?

Sat, 22 Jul 2023 22:56:24 GMT

Recently you may have seen more stories about businesses going into ‘liquidation’, which can be tricky to understand. We are going to go over some basics of what liquidation is and how it can happen. Liquidation is effectively winding up the operations of a business and selling or distributing the assets of the business to cover the debts that it owes (to what are called creditors).

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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Run Your Own Race w Luke's Partner

Wed, 19 Jul 2023 17:00:02 GMT

Luke’s partner is back in the studio to bring another top 10 podcast to your ears. In this podcast we discuss why it’s important to run your own race and not compare yourself to your partner, your friends, or the people you're following on social media. As always the conversation gets a little but tense when some of our relationship differences start coming to the forefront. Enjoy this one!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 166 - What to take to a wedding

Mon, 17 Jul 2023 22:15:41 GMT

If you’re heading for a wedding or somewhere where you need to provide a gift, there’s a high chance that you’re questioning what is enough? The ole ‘my presence is your present’ doesn’t really cut it at a wedding does it? I found a NZ poll from 2017 where 5,600 people voted and 67% of people said they would take $100 or less to a wedding as a gift. Now that the money printers have had their way with us, I’d imagine that if they ran that poll again in 2023; $100 may not quite cut it?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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Why You Can't Make $1million With Your Current Thinking w Mikey Smith

Mon, 17 Jul 2023 17:00:02 GMT

What would it take for you to make $1 million per year? Chances are you don't know right now but if you have the right information we are sure that that's exactly what you would do and you wouldn't stay in your $50,000 job so let's explore exactly how we need to be thinking differently to get on a different path and increase what we earn and what we save.

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48 property flips in 2 years w TamaSingh.Com

Wed, 12 Jul 2023 12:00:02 GMT

48 property flips in 2 years and never once lost money. How the hell does one person manage this? I sit down with Tama Singh and find out what sparked this interest in property flipping and what is driving him. Tama lets us in on a time management secret he’s never spoken about which will shock you. I ask him whether you need a background in property or can anyone follow this journey? I ask all of the questions that you want answered.

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Hooray The OCR Stayed The Same, What Next? (July 2023)

Wed, 12 Jul 2023 05:58:18 GMT

The latest official cash rate announcement came out today and some good news for people with it not moving at all. This was no surprise because last time they told us it wouldn't move, but will it go up in the future? What's all of these tax changes from the government all about?

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‘’Mindless Obedient workers’’ w Mikey Smith (GuardianSmith.co.nz)

Mon, 10 Jul 2023 17:00:02 GMT

Is that what we really are? We’ve been trained to be like this from a young age and history supports this. No wonder so few of us think. OR set goals. OR have a vision. Not you though, you know the importance of having those things in your life and we explore a clip explaining exactly this. Enjoy!

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Money Mail 165 - Go & see a psychotherapist

Sat, 08 Jul 2023 02:35:41 GMT

An insight to the tremendous doco 'Stutz' now playing on Netflix. I won’t ruin it for you and go into too much detail, but please go and learn from one of the most expensive psychotherapists who you’d normally not get access to. Let’s just explore 2 concepts I picked up during the documentary: Part X & The Maze.

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Busting KiwiSaver Myths w Adam from CompoundWealth.co.nz

Wed, 05 Jul 2023 17:00:02 GMT

Is now a bad time to switch providers? What about funds? How much should I contribute? Will the government steal it all? To clear debt or contribute to KiwiSaver? Adam Stewart runs CompoundWealth.co.nz and lives and breathes KiwiSaver so we get stuck into some FAQ’s and myths around KiwiSaver.

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Practical > Theory in a recession w Mikey Smith (GuardianSmith.co.nz)

Mon, 03 Jul 2023 17:00:02 GMT

’50% of people won’t get out of bed’ - D Sullivan. You’ll compete with less people during a low growth period because people will simply find it too hard and won’t be bothered. The good thing is you don’t need to reinvent the wheel, you need to be practical. Here’s how…

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What The June Credit Data Says w Mikey Smith

Sun, 02 Jul 2023 03:14:19 GMT

We get access to Centrix's June credit data reports and have a look at who is overdue on their Buy Now Pay Later and credit card's and what we should be thinking about if we are still using those YUCK tools that get pushed down our throats all the time. Enjoy!

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Money Mail 164 - Where have you come from?

Fri, 30 Jun 2023 01:23:40 GMT

Today marks the 1/2 way point of 2023. Ya kidding me, how has that happened? So far this year it’s been 6 months of a gentle economic grind down. I get the sense most people are finding things tricky and we haven’t seen a massive reprieve from things like inflation and interest rates, but we are all staying in the fight. Many people are now paying higher interest rates for mortgages, food is still expensive, the recession is here, BUT so are us resilient humans. Today, I want you to simply think about what victories you have had?

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What You Don’t Get Told About KiwiSaver w Adam from CompoundWealth.co.nz

Wed, 28 Jun 2023 17:00:02 GMT

We get Adam back in the studio to help us understand what we don’t know about KiwiSaver. How big is it going to get? What’s up with all of these new DIY Kiwisavers, good or bad? It seemed so simple but now there seems to be a lot of choice. Adam Stewart runs CompoundWealth.co.nz and lives and breathes this space. Get learning.

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71% of businesses have 0 employees - w Mikey Smith (GuardianSmith.co.nz)

Mon, 26 Jun 2023 17:00:02 GMT

Smith (GuardianSmith.co.nz) NZ’s greatest opportunity. To turn self employed people into business owners. Luke runs Mikey through some business statistics that will shock a lot of you. Many people work for large businesses and assume that’s what everyone else’s life must be like. Incorrect. Let’s explore!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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HOW To Think w Mikey Smith (GuardianSmith.co.nz)

Sun, 25 Jun 2023 17:00:01 GMT

Well, it is finally here the mega pod to help you understand how to think differently and where your thoughts even come from to start with. You won't want to this podcast because we dive into ways for you to help improve your thinking and therefore your life and some of the principles behind this. We would love to know what your biggest takeaway from this podcast is so please send us a message once you've listened.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 163 - Why the best time to get ahead is now

Sat, 24 Jun 2023 00:44:47 GMT

"You cannot overtake 15 cars in sunny weather…but you can when it’s raining.” Now that the rain is here and the difficult times appear to be more in our faces than previously, how do we keep our eyes on the prize and continue to make progress? If other people aren’t willing to get out there and take action to sort out their issues, that’s not your concern. What is your opportunity is that you’ve got a window where you’re less likely to be competing with them.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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No one is coming to save you - w Mikey Smith (GuardianSmith.co.nz)

Wed, 21 Jun 2023 17:00:02 GMT

In this podcast we let one of the most powerful people in the world talk to us like children and tell us there is nothing to be worried about. We dig back into the archives to see what we were told about inflation here in NZ over the last 2 years too. Buckle up and accept that the powers that be may not have the answers we hope they do.

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Money Mail 162 - Is this NZ’s biggest opportunity?

Tue, 20 Jun 2023 04:55:36 GMT

You might be surprised to know that over 400,000 of our 546,000 businesses in NZ hire 0 staff. I think this is single-handedly our biggest opportunity in New Zealand. If they’re solving a problem in the market that can be scaled, imagine if we could teach these people to be employers and to scale? (IF they want to!). Let's look at some stats!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The True Cost Of Your $700k Home w Mikey Smith

Mon, 19 Jun 2023 17:00:02 GMT

Everybody loves to believe that property doubles every ten years but maybe we need it to when we factor in the cost of the things we need to pay for in the lifetime of a property. In this example, we will look at purchasing a home over a ten-year window and the things that you should consider paying for during that ten years.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Holy F4rk It's a Recession, So What Now? w Mikey Smith of GuardianSmith.co.nz

Fri, 16 Jun 2023 06:39:04 GMT

Well well well it's finally here the recession has hit. Is it time to freak out or is it time for keep the change listeners to continue to stick to the basics and prepare themselves for what could be further to come. In this episode will explore what this means and what we could be about to go into. Never fear we've got your back!

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Who's Borrowing & LVR Changes (June 23) w Mikey Smith

Wed, 14 Jun 2023 17:00:02 GMT

Recently there were changes to the LVR rules so we asked Mikey what the hell that means and also get an update from him about who is borrowing property at the moment because he has been a busy lad as always.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Unlocking the Legal Secrets of First-time Property Buyers with Angus from HouseMeLegal.co.nz

Mon, 12 Jun 2023 17:00:02 GMT

Buying a property can be scary enough from a financial perspective before even thinking about the law. Angus from HouseMeLegal.co.nz stops by to tell us all about the process and what you need to watch out for. It doesn’t need to be daunting if you follow Angus’s BUYIT process. Angus runs us through that and some of the most common mistakes people make when buying.

Free: Buying Checklist

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Money Mail 161 - What does a $150 bag cost?

Sat, 10 Jun 2023 01:49:34 GMT

For many of us, we price things in a unit we can measure. I.e. If you earn $30 an hour, you may price a $150 bag as 5 hours of work. Don't forget about taxes!!! It can often be good for us to understand how many hours of work items will cost us. This may encourage or discourage you to purchase it. Let's understand this better...

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Why It's NOT The Bottom Of The Housing Market w Mikey Smith

Thu, 08 Jun 2023 22:58:11 GMT

There are constant articles and everyone is talking about how the bottom of the housing market is here, let's dig into this and find out why maybe that is not the case.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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You Are Not Ready - NZ Economist - w/ Mikey Smith

Wed, 07 Jun 2023 17:00:02 GMT

Mikey tunes in to a webinar with a leading economist from New Zealand who predicts things are going to get very grim here and we are still some time away from this. Mikey takes us through the data to back this up and then we explore some of the ways we could be preparing and what we need to be thinking about if this is the case.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Luke Falls In Love With Another Man In USA w Mikey Smith

Mon, 05 Jun 2023 17:00:02 GMT

Recently a man from America really caught Luke's ear and eye and in this episode we will look at how this happened and what it is that they are talking about that has gotten so much of Luke's attention that he has nearly fallen.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 160 - Rental Property Interest Changes

Thu, 01 Jun 2023 21:00:02 GMT

From the 1st of April 2023, interest incurred on rental properties will now only be 50% tax deductible. We are going to learn about this because it’s actually quite a big deal and something you will hear a fair bit about this year. Before we do, let’s go back to basics....New Zealanders have long had an obsession with rental property investment.

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Money Mail 159 - An End To The Pain?

Thu, 01 Jun 2023 07:00:02 GMT

The Reserve Bank increased the OCR (Official Cash Rate) for the 12th straight time. It now sits at 5.5%. The Reserve Bank, have forecast out into the future and, at present, the OCR looks to have peaked and will decline from here to be just above 3% in 2026. That will no doubt excite a lot of people. But given that it's been so uncertain, it’s not easy to trust the experts in charge at the moment, is it? The KTC Instagram audience voted on whether this would be the end of OCR increases and 79% said no. Should we trust them?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 158 - What's in it for me? Or NZ?

Thu, 01 Jun 2023 00:33:47 GMT

The NZ budget is out again this week and we explore whether we need to change the question of 'whats in it for me?' to 'whats in it for NZ?'. The annual NZ budget always carries a lot of opinion and criticism but it is important to think about your own budget and what you are doing to monitor your money. Let's explore

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'What's It Like Not Caring About Money' w Mikey Smith

Wed, 31 May 2023 17:00:02 GMT

Mikey was recently asked what it is like to not have to care about money. In this episode he breaks down how he answered this question. Just to be clear Mikey does care about money but the perception from the person who asked him this was that he doesn't so let's explore how he thinks about this and what he told the person who asked.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 157 - 🎉 Celebrate 3 years of KTC with me

Wed, 31 May 2023 05:53:50 GMT

We did it, 3 years of KTC! The very first edition of Money Mail went out on the 22nd of May 2020. There were 201 recipients. Things looked a little different back then as we navigated a pretty unique time. 3 years on, there are now over 7,500 readers each week. There were over 27,500 listeners to the podcast in April 2023. So what have we learnt?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Luke's Lessons From The Philippines w/ Mikey Smith

Tue, 30 May 2023 22:15:45 GMT

Luke ventures to the Philippines for a week and sits down with Mikey to go through his lessons from the week. Shit, it was good to be back in a country where youe money can go a little further. Tune in to hear about some of the tales, the different parts of the Philippines, and what we can also learn.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Is It Ok To Be Selfish? Are We All Selfish? w Mikey Smith

Sun, 28 May 2023 17:00:01 GMT

Is being selfish a good or bad thing, or neither? We dig into different situations where you’ll be considered to be selfish even when you might be doing the right thing. There is no winning when it comes to using the word selfish. Check this one out!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Mikey Schools Luke On Why Guys Want Cars

Wed, 24 May 2023 17:00:02 GMT

Mikey rolls into the stupid with hard data to back up the fact that guys want cars for more than just marketing. Has Luke got it wrong this whole time and it comes back to our desire to have independence and take risk? Let’s be clear we are not advocating for racking up debt to have a fancy car but maybe you can be forgiven for swapping a stack of cash for one?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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What If We Have No Growth For A Decade? W Mkey Smith

Mon, 22 May 2023 17:00:02 GMT

Have you heard people talking about ‘The Lost Decade’? What is that all about and how should we prepare ourselves. We hear from legendary investors, historians and turn how minds to ensuring we don’t stagnate in a time where markets could not be like what they used to be. Just because companies aren’t growing, doesn’t mean we can’t. Let’s get stuck in.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Viva Las Vegas: Luke's USA Lessons w Mikey Smith

Thu, 18 May 2023 18:00:02 GMT

Well, Luke made it back in one piece from Vegas and sit down with Mikey to discuss the things that he noticed about America including how big it is, how expensive it is, and how you almost feel a little freer when you're in the land of the home of the brave.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Relationship Money Differences 😳 w Luke's Partner

Wed, 17 May 2023 18:00:02 GMT

Luke's partner stops by the studio and they record an impromptu podcast about the differences and the ways that they both see money and some of the challenging things that they have faced through their relationship as well as some of the lighter moments.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Your Financial Stories (Debt To Success) Part 3 w Mikey Smith

Mon, 15 May 2023 18:00:02 GMT

We read through a number of your financial stories sent in by Keep The Change listeners and readers as you explain the journey you've been through there are a number of inspiring stories in here from people who have been through high levels of debt and have gotten through to the other side. Enjoy!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Changing Vehicles & Backing Your Skills w Jamie MacLennan

Wed, 10 May 2023 18:00:02 GMT

Jamie popped into the studio to discuss his journey from changing jobs and backing him self in business and how he went about it including selling his house to give him the chance to do so. Everyone can learn something from this podcast!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Mind Traps You Need To Avoid (Part 1) w Mikey Smith

Mon, 08 May 2023 18:00:02 GMT

Luke and mikey find a great video on YouTube about the 21 one traps that we all need to be mindful of. Tune in to part one of this to learn about the different traps and how you can keep an eye out for them in your own life.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 156 - A rich lister changed my life, & yours

Thu, 04 May 2023 21:43:49 GMT

I wouldn’t be where I am today if it weren’t for some of the people who have built and sold massive businesses that have changed my life and, in turn, yours too. Let us not forget the contribution that ‘the rich’ or 'the wealthy' make in our countries and communities too. The opportunities they create from the risk they take. We don’t measure that. Let's explore!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Help For NZ Employee's w Super-Advice's Jeremy Hoskin

Wed, 03 May 2023 18:00:01 GMT

Jeremy from https://super-advice.co.nz/ Joins us in the studio to tell us about what he has built for employers to enable their employee's financial well-being. Jeremy is great value and a down-to-earth person and helps thousands of employees every year get more engaged with their own finances so they can have a better financial life.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Your Opportunity Of A Lifetime In This Recession w Mikey Smith

Mon, 01 May 2023 18:00:01 GMT

They say that there's always an opportunity in a recession, so what is it? We sit down for an hour to discuss all of the opportunities that you may not be thinking about and try to teach you to start tuning your mind towards seeing each of these.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Perfect Loan Structure w/ Mikey Smith

Sun, 30 Apr 2023 18:00:01 GMT

Luke sits down to ask Mikey does the perfect line structure exist and if it does what is it? We look at a number of hypothetical situations that could impact how you may want to think about structuring your loan.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 155 - Shocking truth about CEO pay in NZ

Sat, 29 Apr 2023 07:49:10 GMT

Recently the Herald Business desk put together a list of the top 10 salaries of CEO’s in NZ. I hear and read things like:‘No job is worth more than $100,000’ ‘Tax the rich’. There are plenty of positive comments too, which is great to see. Instead of whining about how they are over paid because we don’t understand what they actually do and the responsibility they have, why don't we try to learn about what they do and become a CEO ourselves? Let's explore

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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WTF The Rich Only Pay 9.4% Tax, How Unfair! w Mikey Smith

Fri, 28 Apr 2023 07:43:11 GMT

Well it has been the talk of the town this week as the IRD tell us that the rich aren't paying their fair share of taxes. In this podcast we will explore what this means for all of us and why so many people are up in arms and is it really has anything to do with us or is it a beat up on the rich people. Perhaps we are getting ready to introduce a capital gains tax and we need to convince people? We discuss it all.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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WEBINAR: How To Build Your Financial Plan w/ Lighthouse financial

Fri, 28 Apr 2023 01:35:09 GMT

Here it is, the webinar you've been waiting for! We sit down with James Blair from lighthousefinancial.co.nz from the wealth team to discuss putting together a financial plan and all the things that we should be thinking about. This was an interactive session so you will get to the Q&A at the end as well. Enjoy!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Bank Cash Back Wars - Pull The Trigger Or Not? w Mikey Smith

Wed, 26 Apr 2023 18:00:01 GMT

You may have seen the banks advertising cashback for your mortgage. What is this all about and when is a good time to explore for yourself? We ask Mikey all of the questions you may have given all of the markings we are currently seeing around the place from the banks.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 154 - Inflation: it’s far from over

Tue, 25 Apr 2023 04:16:30 GMT

Yay inflation is less than expected! Is it time to celebrate? I don't think so. It is great that inflation has decreased, but it’s still too high. It’s great that it was less than economists predicted, but they are always wrong. Inflation has been outside the acceptable range for 2 whole years now - have you changed your ways or been sucked into doing nothing?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Insights From 1 Of NZ's Top Financial Mentors w/ David Verry

Mon, 24 Apr 2023 20:32:29 GMT

Wrap your ears around this one as we get insights from one of over 1,000 financial mentors in New Zealand who help out people to improve their financial situation. Many of these same principles can be applied to our own finances.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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You Have Been Lied To, Now What? w Mikey Smith

Wed, 19 Apr 2023 18:00:02 GMT

We're really sorry to let you know that you have been lied to on a number of fronts. We think it is becoming increasingly evident by all of you that everything is not what it seems. So what can we do about all of this? We dig in to figure out why more people are feeling uneasy about trying to get a head in New Zealand.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Lessons From Mikey's 100th KTC pod (Thanks To Double Yolk)

Mon, 17 Apr 2023 18:00:02 GMT

This podcast is brought to you by the good folks at Double Yolk. Double Yolk are bringing trust back to offshore software development. Check them out here: https://www.doubleyolk.com/

Mikey has hit the tonne and done over 100 Keep The Change podcasts. He sits down to explain to us what he's got an out of it and also why he does it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Collapse Of The US$, How Worried Should We Be? w Mikey Smith

Sun, 16 Apr 2023 18:00:02 GMT

There are a lot of chats at the moment around the collapse of the US dollar. Luke and Mikey provide some thoughts on what this means, how it may impact you and whether you are actually going to take any action or just be able to say I told you so.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 153 - So You Won Lotto Huh? Would You Do This?

Sat, 15 Apr 2023 22:48:59 GMT

If we were to be given a large stack of money, the first thing most people would do is pay off their mortgage. Maybe this is due to a guaranteed return on paying off debt? The trap we feel by the regular repayment? The goal of being mortgage free? For each it will be different. But with $20million sitting in the bank, surely things would change?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 152 - Don't Let This Economy Fail

Sat, 15 Apr 2023 22:47:53 GMT

Last week we discussed the fact that the economy is highly likely to now be in a recession. There is no ‘growth’ and it is contracting. I’ve seen social media comments about the economy going backward and that means that people feel less hope about their future. My question is, did you measure yours? Yeah, your economy? That’s a great economy to be more concerned with.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Dropping Out Of School To 10 Properties w Scott Muirson (SM Property.co.nz)

Wed, 12 Apr 2023 18:00:02 GMT

Scotty from SMProperty.co.nz joins us to tell us about how he helps first home buyers get on the property ladder and he also takes us through his journey going from 0 to 10 properties and the ups and downs along the way.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Relationship Law + Contracting Out Agreements + Divorce w Nicole Murphy

Mon, 10 Apr 2023 18:00:01 GMT

Have you ever wondered what happens when you separate from a relationship in terms of your finance? Today we speak to a experienced divorce lawyer about contracting out agreement relationship property and all things that we should be thinking about when in relationships. You do not want to miss this one.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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OMG The OCR 😳 (April 23) w Mikey Smith

Thu, 06 Apr 2023 10:40:57 GMT

Oh my god the reserve bank just increase the OCR for the 11th straight time. Mikey and Luke sit down to figure out exactly what this means and if we should be freaking out or if this is just business as usual. Don't miss this one.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Future Of Kiwisaver w Rupert (Kōura Wealth)

Wed, 05 Apr 2023 18:00:02 GMT

Will it replace the pension? Will the government take it off of us? Will it lead to a NZ infrastructure boom? Luke & Rupert (Kōura Wealth) sit down to talk about the way Kiwisaver is heading and what we might be able to expect from it over the next 40 years.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Winning $20mil In Lotto: What YOU'D Do w Mikey Smith

Mon, 03 Apr 2023 18:00:01 GMT

You heard what we do if we won $20 million on lotto, now it's time to find out what the Keep The Change readers would do. We asked on Instagram and here are everybody's answers. Hint: A lot of you would pay down your mortgage and clear your family debt. Get stuck in.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Shocking Insights From My 2023FY Review

Sun, 02 Apr 2023 19:56:43 GMT

At this time of the year I like to sit down and compare where I am now to where I was 12 months ago. I'll explain exactly how I do this and why the month end process is so important to do this as well as use this as a time to think about where you've come from and where you're heading to next.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 151 - How The Economy Stops

Sat, 01 Apr 2023 01:46:06 GMT

In March Stats NZ told is that Gross domestic product (GDP) fell 0.6% in the December 2022 quarter. This means we are 1/2 way to a recession. Or maybe we are the whole way? A technical recession is 2 quarters of negative growth. 1 down, 1 to come. The second quarter is March 2022 which actually finishes today. Guess what? We won’t get that data until June.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Winning $20mil In Lotto: What WE'D Do w Mikey Smith

Wed, 29 Mar 2023 17:00:02 GMT

We run you through the hypothetical situation that we win $20 million and take you through the exact steps we would take, what will be thinking about, and maybe even what toys we would buy.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The EXACT Process To Get A Mortgage w Mikey Smith

Mon, 27 Mar 2023 17:00:01 GMT

Mikey is one of the best mortgage advisors in the country and has numerous awards. He sits down to tell us the exact process he takes his clients through when it comes to getting a mortgage. This will help you if this is something that you are looking to do in the following 24 months.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 150 - $27 tax free per week?

Fri, 24 Mar 2023 00:32:44 GMT

Turns out, working from home IS a thing and often employee's pay costs associated with this. During the cerveza sickness, the IRD increased the tax free allowance when working from home (because so many people were). Basically, employees can receive a tax free allowance each week, to cover any additional costs associated with working away from the office. I.e. power, telephone, internet usage or printing. NOTE: this is paid by their employer IF THEY WANT TO, it is not an obligation. Let's find out how this works!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Doing Kiwisaver Different w Rupert (Kōura Wealth)

Wed, 22 Mar 2023 17:00:02 GMT

Luke sits down with Rupert Carylon to discuss how Kōura Wealth have changed the Kiwisaver game with a more personalised approach. We talk about why they did this and the biggest mistakes kiwis are making right now in this space.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 149 - Doing it tough out there? Who to call

Tue, 21 Mar 2023 03:37:58 GMT

The number of people struggling financially is really starting to increase. Nearly 12% of Kiwis are currently behind on their debt repayments: personal loans, credit cards, BNPL etc. For some reason, it can be really hard for us Kiwis to ask for help. It seems to be something we’ve mastered - not asking for help. A lot of people will feel helpless or even embarrassed about their debt levels, so they will simply bury their heads in the sand. We know deep down that this isn’t a solution. So here is where to turn to...

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Dress For Success Or Not? w Mikey Smith

Mon, 20 Mar 2023 17:00:02 GMT

This is a listener request about how it is important to dress for your audience and dress for success, do you believe this? We all have different thoughts about this and we dive into it too.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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To Invest In Property Or Not? w Lighthouse Financial

Wed, 15 Mar 2023 17:00:02 GMT

Luke joins the Cheques & Balances crew to look at an example where property isn’t the right solution. This is the story of an actual client and the advice they were given. There are plenty of ideas around property in this podcast to help you learn the ins and outs.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Slow Down To Speed Up w Mikey Smith

Mon, 13 Mar 2023 17:00:02 GMT

Sometimes in life we need to slow down to speed up. This can be a very hard thing for us to accept and think about but we will give you some examples of how are currently doing exactly this.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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June July Is When It Will Hit, Be READY! w Mikey Smith

Sun, 12 Mar 2023 19:36:33 GMT

Mikey thinks that the economy truly could shit the bed come June or July. He takes us through exactly why he thinks this and Luke thinks it could be later in the year but we have a look at what's going on out there and what could be coming up.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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You Made It, Welcome! What's All This About?

Fri, 10 Mar 2023 01:05:50 GMT

You have found your way to Keep The Change, so what is this all about? This content is designed to help over 100,000 Kiwis improve their financial literacy. The goal is to change the wealth of the nation. Please take the lessons and action them into your life and be a part of the journey in the community of Keep The Change.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 148 - Time for 65+ to donate their super?

Thu, 09 Mar 2023 22:56:33 GMT

For some of our superannuitants, they simply don’t/won’t need their super BUT they are entitled to it. If it’s not needed, perhaps it could be sent back? Sent back and committed to an area of the economy they care about, like infrastructure or health care. Wouldn’t it be great if we had a mechanism at a national level where those people could choose where they want to direct their superannuation.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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What's Getting In YOUR Way? (Listener submissions) w Mikey Smith

Wed, 08 Mar 2023 17:00:01 GMT

On Instagram we asked you what is getting in the way of your financial success. In this episode we take you through all of these things as well as different ways to look at some of these problems. This will be extremely helpful for many people.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Your Financial Stories Pt 2. (Grunty!) w Mikey Smith

Mon, 06 Mar 2023 17:00:02 GMT

We take you through more of Keep The Change's listeners' financial stories to both learn and be inspired by you amazing people. You won't want to miss these.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 147 - Why I Bought A PIE Fund

Sun, 05 Mar 2023 02:08:40 GMT

Recently I bought a PIE fund and I’m not talking steak and cheese ones. I had a bit of spare cash sitting in a bank account and I wanted to ‘make my money work for me’ and am always looking for ways for my money to have babies and help subsidise my life/costs. I considered a Term Deposit where I deposit my money for a set term and in return get given a % for doing so. Then I thought about a PIE Fund, here's why...

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Retire Early Via Property w Angela Strang

Fri, 03 Mar 2023 01:00:59 GMT

In this episode we tune in with Angela Strang who has 'retired' by the age of 35.

We ask how the hell that is possible and what it even means!

Angela takes us through the ups and downs of investing in property and what she’s up to now that she’s ‘retired’.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Putting a Financial Plan Together With Lighthouse Financial Services

Wed, 01 Mar 2023 17:00:02 GMT

Luke sits down with James from Lighthouse financial to understand how they go about financial planning for their clients and the exact process that they take people through as well as some tips and tricks all of us could learn from.

if you want to explore doing some financial planning with your team follow this link: https://lighthousefinancial.co.nz/lighthouse-wealth/

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Are Term Deposits Cool Again? w Lighthouse Financial

Tue, 28 Feb 2023 21:01:54 GMT

Luke joins the Lighthouse Financial crew to discuss why term deposits are being spoken about again and why he recently plonked some money into a PIE fund for tax advantages.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Balance Sheet Recession w Mikey Smith

Mon, 27 Feb 2023 17:00:02 GMT

People are saying this recession could be about using your balance sheet. In this episode we discuss what a balance sheet is and how it's not just for businesses to be thinking about. These are solutions to get you thinking about getting through a recession.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 146 - Dear Mothers...(OR anyone down and out)

Fri, 24 Feb 2023 21:51:13 GMT

A reader reached out to me with what they did when they found themselves as a solo parent, with 2 young kids (2 and 5) and I thought I would share this with you. This is their journey to get through the 'season' they found themselves in and bounce back to be at their best again. This one is massively inspiring.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Feb OCR Update - We're Backed Into A Major Corner w Mikey Smith

Fri, 24 Feb 2023 21:46:08 GMT

This week we've had a new official cash rate announcement from the reserve bank of New Zealand and it with the recent events around New Zealand shit this is not looking good. This is everything you need to know and be thinking about and how as a country we might deal with what we have to pay for.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Stockmarket/Kiwisaver Check In w Adam Stewart (Compound Wealth)

Thu, 23 Feb 2023 19:11:44 GMT

Luke sits down with Adam Stewart from Compound Wealth to find out what's happening in the stock market and whose Kiwi saver will be performing the best as he takes us through the top performers of the market recently. If you would like Adams team to have a look at a specific recommendation for you and your Kiwi Saver jump on the website and use the following link.

https://www.compoundwealth.co.nz/kiwisaver

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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2023 Predictions w Lighthouse Financial

Wed, 22 Feb 2023 17:00:02 GMT

Luke joins Mike and James on the Cheque & Balances podcast for his debut. He spits out some wild predictions for 2023 that should see him completely wrong and never invited back on the podcast. Tune in to see what all 3 of them predict for 2023. Enjoy!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Thrift Wins Save Thousands w The Viral Kiwi Dad Logan Donnelly

Mon, 20 Feb 2023 17:00:02 GMT

The man who broke the Internet with his savings methodology popped by to explain to us how he removed thousands of dollars of costs from his annual expenses by simply comparing the likes of his Internet, phone, power, insurance, etc and we dive into the psychology of money plus a lot more. Do not miss this one!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Want To Come Work For Mikey?

Sun, 19 Feb 2023 09:10:10 GMT

Mikey is on the hunt for new mortgage advisors and would love to have a chat with you if you are interested. Before you do, listen to this podcast and see if you would be a good fit for Guardiansmith.co.nz

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 145 - Work Hard, Get Ahead?

Sat, 18 Feb 2023 08:37:59 GMT

When I grew up I grasped the concept of working hard. It made sense to me and I applied this to every job I got. But then I learnt we need to 'work smart'. What the hell did this mean? I had to study this and now I get it. In this episode I will explain why 'adding value' is the more guaranteed way to get ahead and back it up with a law + by one of the richest people in the world.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 144 - Save more than you pay in tax

Wed, 15 Feb 2023 22:53:14 GMT

We are taught to save 10% of everything we earn but will this keep us thinking too small? In this Money Mail we will explore different ways to increase the percentage of the amount we save and how we’ve become to accept paying the government more than we save.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Data Doesn't Lie, Things Are Getting Worse w Mikey Smith

Wed, 15 Feb 2023 17:00:01 GMT

We dig into the latest report from Centrix to have a look at the data and see what it tells us in terms of people not being able to pay for the loans like buy now pay later and their credit cards.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Habits Of Rich People w Mikey Smith

Sun, 12 Feb 2023 17:00:02 GMT

You asked for it so here it is. Your submitted habits of rich people after the last podcast about poor people. Enjoy and don't get triggered.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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HOW to ACTUALLY Change Your Mindset w Mikey Smith

Wed, 08 Feb 2023 17:00:02 GMT

Mikey Breaks down how you can actually change your mindset as he is sick of hearing people saying "you just need to change your mindset". Here is his methodology of exactly what you need to do in order to change now.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Your 2023 Toolkit - How To Prosper This Year

Sun, 05 Feb 2023 17:00:02 GMT

It is no surprise that 2023 sounds like it could be a challenging year. This podcast will help you get ready and prosper during what could be a tricky year for a lot of people but not for you.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 143 - NZ's Biggest Property Manager?

Sat, 04 Feb 2023 01:01:59 GMT

Last week, I sat down with a Kiwi looking to completely transform an industry. One of my favourite parts of my role is getting to speak to Kiwis who want to do something BIG. Luke Nicholls is one of the young fellas behind Keyhook, which is built to help landlords better manage their rental property. It literally does everything a property manager does but for a fraction of the price & via technology.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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How To Be A Rich Boy / 'Is Being Wealthy A Matter Of Mindset Pt.2' w Mikey Smith

Wed, 01 Feb 2023 17:00:05 GMT

Mikey and Luke sit down to review an article that opposes the earlier article we discussed about how being wealthy could just be a matter of mindset. You want to tune in for this one.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Financial Impacts Of The Flood w Mikey Smith

Sun, 29 Jan 2023 23:00:02 GMT

Mikey and Luke sit down to have a look at what the flood could mean financially for the economy and Mikey also tells us exactly why he increase his insurance preparing for this exact event and he's surprised other people didn't too.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Becoming The Globe’s Biggest Property Manager - w Luke from Keyhook

Sun, 29 Jan 2023 17:00:01 GMT

Imagine completely disrupting the countries property management market? That’s what Luke and his team from Keyhook are doing. Check out this Kiwi tech story that is only just getting started but has plans to end up international. This one is very inspiring.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 142 - Kiwis lose over $180billion in 2022

Sun, 29 Jan 2023 01:55:32 GMT

If you’ve been worried about your house price, shares or KiwiSaver, you’re not the only one. In the first nine months of 2022, household net worth dropped by $179.4 billion (7.4)%. When Statistics NZ release the December 2022 data you could be pretty sure it would have dropped again. Perhaps kiwis will have lost $225billion plus in 2022?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Great Inflate (Jan23 Update) w Mikey Smith

Fri, 27 Jan 2023 05:39:57 GMT

Mikey is back in the studio to talk about recent inflation data. What it means, what we are seeing, and what you need to be thinking about including whether people are borrowing and everything in between.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Your Financial Stories Told (INSPIRING) w Mikey Smith

Wed, 25 Jan 2023 17:00:01 GMT

Recently we asked you to share your financial story and we sit down to read through 10 of these as part of a series of learning from other keep the change list is to find out more about the financial journey and be inspired by it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 141 - Reaction to y.day shocking news + (making more webinars)

Wed, 25 Jan 2023 00:03:50 GMT

Shock! Food is confirmed as dear. 2022 was the biggest annual food increase in 32 years according to Statistics NZ. But you knew that. So this week we take a look at 3 hours of 'more money' content that you can learn from, when you're ready!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
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Habits Of Poor People w Mikey Smith

Sun, 22 Jan 2023 17:00:01 GMT

Mikey and Luke sit down to discuss the habits of poor people. Yes we know that this could be controversial but a lot of you send us what you think the habits of poor people are so we read all of these out in touch on some of the best and worst ones

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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We Lose The Leader Of A Lifetime w Mikey Smith

Fri, 20 Jan 2023 22:33:52 GMT

Mikey is massively upset about the news that the Prime Minister has resigned and wanted to get straight into the studio and discuss his thoughts about the situation and what we can learn.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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2 Books You MUST Read in 2023 w Mikey Smith

Wed, 18 Jan 2023 16:00:03 GMT

Luke takes us through two books that he thinks improve your life in 2023 and one of these he can guarantee you would have never heard of.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Does Your Mindset Explain Your Financial Situation? w Mikey Smith

Sun, 15 Jan 2023 17:00:01 GMT

We dig into an article that asked the question is being wealthy just a matter of mindset? We go through what the article explains and challenge some of the thoughts in there and try and take some lessons from it also.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here: @keepthechange_nz https://www.keepthechange.co.nz/

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Money Mail 140 - The Unemployment Rate Is Your Friend

Sun, 15 Jan 2023 04:54:15 GMT

Unemployment is at a record low. In New Zealand, unemployment is currently at 3.3% and historically sits between 4.5 to 5.5%. That means that businesses are crying out for workers. The talent pool is reduced as most people are flat out in their role. You can use this to your advantage. Tune in to find out how.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here: @keepthechange_nz https://www.keepthechange.co.nz/

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Luke's Themes / Be Mindful's for 2023 w Mikey Smith

Tue, 10 Jan 2023 17:00:02 GMT

Luke did some thinking on the plane on his way back from his trip and has some things already that he is going to be mindful of the 2023. See what you believe and see what might help you as well.

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Mikey's $100k A Year Mowing Business Instructions

Sun, 08 Jan 2023 17:00:01 GMT

Mikey takes us through how he would build out half a $1 million mowing business in a few year's time and take you through the step-by-step things you need to think about and how you could make $100,000 a year doing this business.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 139 - 1 habit away from your best year

Sun, 08 Jan 2023 01:02:45 GMT

At this time of the year, many of us will be thinking about our habits and how they’ve popped up in our lives. For most of us, we can’t even see our habits or know why we’ve built them. Perhaps this year, think about who you want to become. Then you need to build your habits around that.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here: @keepthechange_nz https://www.keepthechange.co.nz/

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It's Not The Time To Go All In w Mikey Smith

Fri, 06 Jan 2023 17:00:02 GMT

It can be very tough when you bust your ass and save a bit of money and you still feel like you're not getting your head or getting closer to your goals but please don't gamble it all in some stupid all in investment.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Starting A Business FAQs w Mikey Smith

Wed, 04 Jan 2023 17:00:01 GMT

We sit down to answer multiple questions about starting a business. You need to be thinking about, why, what your goal is and what type. We explore all of this and more. Don’t start a business for the sake of it, start one with intent!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Worst Time For First Home Buyers (incl positive solution) w Mikey Smith

Sun, 01 Jan 2023 17:00:02 GMT

Data suggests that houses haven’t been this unaffordable for first home buyers since 2004. What can we do about that and how can we use reverse compounding to crush debt? Mikey tells us that people are still borrowing!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Happy NY Mixtape - Lessons from the break w Mikey Smith

Sun, 01 Jan 2023 07:38:55 GMT

It's the 1st of January and we're already back in the studio recording a podcast with lessons from our break and the fact that economy still seems to be humming. Let's rip into 2023!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here: @keepthechange_nz https://www.keepthechange.co.nz/

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Money Mail 138 - I didn’t hit all my 2022 goals :(

Sun, 01 Jan 2023 07:20:03 GMT

When I look back at 2023 and some of the goals I set, I know that I didn’t hit them ALL. Have you noticed the same thing? But I know that I am moving in the right direction and I believe that is the main thing. Progress over perfection. This means I don’t give up. Here are a few things that have helped me inch closer to achieving my goals.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here: @keepthechange_nz https://www.keepthechange.co.nz/

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It's Ok To Promote Yourself w Mikey Smith

Wed, 28 Dec 2022 17:00:02 GMT

Society seems to think that people who promote and advertise themselves are cocky, arrogant, love themselves, full of themselves, but the reality is that if you don't promote yourself or your story no one else will. Here's why you need to get comfortable doing exactly that.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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"You'll Own Nothing & Be Happy" w Mikey Smith

Mon, 26 Dec 2022 17:00:01 GMT

Wow! This could get interesting for you. An insight into some of the comments we often see on social media and whether all of them are true or conspiracies. We dig into the world economic forum and the great reset that we all keep hearing so much about.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 137 - 3 Christmas gifts for you

Thu, 22 Dec 2022 20:00:02 GMT

I hope you have an amazing time with your families and loved ones. I think this time of year is such an important time to be grateful for what you do have. One of the greatest presents I have seen given is the ability to understand your loved ones. Let's explore. Have an amazing Xmas and I will see you in 2023.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Retrain Your Brain w Mikey Smith

Wed, 21 Dec 2022 17:00:02 GMT

Mikey teaches us why it is so important to retrain some of the stupid things your brain will tell you to do and why this can also be so hard to do.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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What The FIFA World Cup Taught Us w Mikey Smith

Mon, 19 Dec 2022 22:48:41 GMT

Mikey bicycle kicks his way into the studio in excitement with the world cup and then admits he doesn’t know who won. BUT he does think it’s an amazing lesson for all of us when 4billion people will tune in. What can we learn from this?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Tax Rules ARE NOT Set Up To Help Employee's w Mikey Smith

Sat, 17 Dec 2022 17:00:02 GMT

In this podcast we teach you everything you didn't get taught in school about why business is the most favoured way when it comes to tax rules. We explain why employees get the worst deal and explore some of the other types of investment like property.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 136 - Is your employer a grinch at Xmas?

Sat, 17 Dec 2022 02:38:25 GMT

Employers can get a bad wrap for not looking after their staff or being stingy. Especially at Christmas time. This is easy to do when we compare our employment environments to our peers. One problem your employer has is that they are actually discouraged from helping their staff. Discouraged by another tax you’ve probably never heard of called Fringe Benefit Tax.

Please know that this week's newsletter will reach even more people due to sponsorship from EC Credit Control (NZ) Ltd: a specialist debt resolution agency for businesses - thank you legends.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here: @keepthechange_nz https://www.keepthechange.co.nz/

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MEGAPOD: Reflections on 2022 wins & regrets w Mikey Smith

Wed, 14 Dec 2022 17:00:02 GMT

Another listener request as to how we found 2022. Listen in to find out about how we made it count and also some of the things we regret and why it's important to reflect on a year and how you can do it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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MEGAPOD: 2023 - What it looks like & how to win w Mikey Smith

Sun, 11 Dec 2022 17:00:02 GMT

In this podcast we dive into a listeners request about what we think 2023 will bring and how we are going to ensure that we have a successful year.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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What It's Like Having No Debt w Mikey Smith

Sat, 10 Dec 2022 17:00:02 GMT

Mikey and Luke sit down to explain their journey of going from having consumer debt to minimal debt and what that's like and what it allows you to do.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 135 - Did you do these 3 things?

Fri, 09 Dec 2022 05:29:25 GMT

3 short months ago I gave you 3 actionable steps to take to get ready for what was coming, so did you? We are into that real spending time of the year. A good question to ask yourself before you tick something up is 'will the future me be ok with repaying this?'.

This episode was brought to you by EC Credit Control, thank you legends for helping get this content in front of even more Kiwis.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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How To Make $100k In 2023 w Mikey Smith

Fri, 09 Dec 2022 02:23:17 GMT

In this episode we explore the concept of believing this is possible to start with and thinking about how we can increase our income in 2023 to join some of the top earners in New Zealand.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Side Hustle To Business w Jamie Episode 2

Thu, 08 Dec 2022 05:30:04 GMT

Mikey and Luke sit down with Jamie to discuss how her progress is going with taking her side hustle to a business. Jamies now juggling Mum life with building out her business ready for launch next year.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 134 - I am stacking these currencies

Fri, 02 Dec 2022 02:21:30 GMT

With all this doom and gloom it’s a good reminder to consider the currencies you’re collecting. This is a good time to remember that it’s not always about house prices, economic growth, net worth & bank balances. Just because a recession may be the measurement of whether our economy is or isn’t growing doesn’t mean you can’t.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Valerie Adams Vs Jordan Peterson w Mikey Smith

Wed, 30 Nov 2022 17:00:02 GMT

Every now and then us 2 financial geeks venture outside the world of finance and go and do something different. We take you through our experiences from recent events we went to and what we learnt.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Will this OCR increase break everything? w Mikey Smith

Sun, 27 Nov 2022 22:30:18 GMT

Mikey and Luke sit down to review the biggest rise in OCR history and find out why the reserve bank are so confident we are heading into a recession. Are people still getting mortgages? Is everything going to be ok? We let you know in this huge episode.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 133 - Black Friday specials suck (you in)

Sat, 26 Nov 2022 08:45:14 GMT

Apparently there are discounts everywhere. The ole black Friday sales are in full swing. Black Friday has become a very popular day of buying in New Zealand & outperforms the fashionable ‘Boxing Day’ sales. Boxing Day was the country’s biggest sales day of the year. So what the hell is it?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Your Questions Answered (Partner Finances) w Mikey Smith

Wed, 23 Nov 2022 17:00:02 GMT

This mostly focuses on mixing or keeping separate your finances with your partner out of the question asked by one of the listeners.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Luke's $100k Speaking Journey Update w Mikey Smith

Sun, 20 Nov 2022 17:00:01 GMT

In a recent podcast Luke explained how he was going to take his speaking more seriously and this is an update on where he's at in monetising this and getting some speaking engagements locked in.
Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 132 - Upping my Kiwisaver contributions

Sun, 20 Nov 2022 03:45:01 GMT

I just voluntarily upped my Kiwisaver contributions. Why would I do this? Saving for our retirement has still been introduced as mostly voluntary. By encouraging myself to increase my contributions today, I am giving my future self more options. I don’t know what those are yet, but money will give me options and that’s what I want.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 131 - How politicians mind F@rk us

Sun, 20 Nov 2022 02:29:17 GMT

Gee the politicians have done a great job. A great job at getting us right where they need us. Right in the trap of thinking in a way that won’t necessarily improve our own lives.We can focus on tax bracket creep and what that is all about because I think we will see a lot of chat about this in 2023.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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STOP! Listening To This Podcast w Mikey Smith

Wed, 16 Nov 2022 17:00:01 GMT

if you are listening to this podcast and not taking any action then perhaps it is time to turn it off. We love you listening but we would love to see you taking action even more so think about who's really in control of your life and that is you.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Is A Side Hustle Worth The Time? w Mikey Smith

Sun, 13 Nov 2022 17:00:01 GMT

There has been a lot of chat around side hustles recently and in this podcast, we dive into whether it is worth the time investment and discover the big question of why, why would you have a side hustle?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Mikey Rents A Lambo (Material Inspiration?)

Fri, 11 Nov 2022 17:00:02 GMT

Mikey and Luke explore the topic of using material things to inspire you in the world that tells you not to as well as Mikey tasting his future life by renting a Lambo for a week.

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The Side Hustle Formula Works! w Luke's GF

Tue, 08 Nov 2022 21:00:02 GMT

Luke's partner Tazz joins Mikey and Luke in the studio to discuss her success with the side hustle methodology taught by keep the change. Tune in to hear about her ups and downs of going through the process and how hard it is to put yourself out there.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Ram Raid Mentality Will Ruin Your Life w Mikey Smith

Sun, 06 Nov 2022 17:00:02 GMT

Whats up with all of these ram raids at the moment and what can we make sure we don't learn from people who are keen to take shortcuts, cheat, steal and quit because they have already given up?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 130 - BNPL arrears hit 3 year high of 9.3%

Sat, 05 Nov 2022 20:44:19 GMT

This is where BNPL and credit cards are so dangerous as you ‘feel’ like you can get away with it. You don’t pay & nothing really happens. It’s in the credit providers' interest that you don’t pay so that the stinging interest & late payment penalties kick in. That’s where they make their money. This is why I suggest you remove the temptation and GET RID of BNPL, drop your credit card limit.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Play The Long Game (Never Lose!) w Mikey Smith

Wed, 02 Nov 2022 17:00:02 GMT

This is Mikey's theory on why playing the long game will ensure you never lose in whatever area it is that you are trying to get ahead in. Tune in and get an understanding of how you can apply this to your life.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Become A Guaranteed Millionaire Via KiwiSaver w Mikey Smith

Sun, 30 Oct 2022 17:00:01 GMT

Luke and Mikey sit down and dig into an ASB KiwiSaver tool to figure out how much you need to set aside to ensure you have $1M when you reach age 65.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 129 - Do You Love A Day Off?

Thu, 27 Oct 2022 21:44:04 GMT

In New Zealand, we seem to be busier than ever and all feel pretty time-poor but, we also get given a lot of days off. 146 days where we don't necessarily need to be at work. Divide this by 365 days of the year. 40% of the year, people in full-time employment are not required to be at work.

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"You shouldn't buy a house’’ - Grant Cardone WTF?? w Mikey Smith

Wed, 26 Oct 2022 17:00:02 GMT

Grant Cardone owns over $1 billion worth of property but he's telling us not to buy a home, what is he trying to teach us when explaining this? Is this a conspiracy or is there something to this?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The $10k Project with Jamie (Episode One)

Tue, 25 Oct 2022 02:55:01 GMT

Jamie is the winner of our $10k investment into someones idea. This is our first catch up with Jamie to help her figure out how to turn this side hustle into a business. Tune in and follow her progress as well as what you can learn from it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Small Pond, Big Fish (NZ Advantage) w Mikey Smith

Sat, 22 Oct 2022 17:00:02 GMT

Remember that a lot of people will be too scared to put the heads up above the clouds and if you are brave enough to do it you can get yourself a further down the path in your chosen area in New Zealand.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 128 - More inflation, more interest rate rises

Fri, 21 Oct 2022 05:02:05 GMT

This week the Reserve bank undercooked their forecast for inflation and it came in at 7.2%. Even bank economists were off the mark - but are we surprised? There had been chat about inflation cooling but we only saw a 0.1% drop from the prior quarter. Remember that inflation is going to be here for some time, so we need to understand it and keep an eye on the impact on it for ourselves personally.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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4 Things To Invest In Right Now w Mikey Smith

Thu, 20 Oct 2022 17:00:02 GMT

Have a think about these four things and whether you could be investing in them whilst all markets seem to be going backwards all around the world.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 127 - More of your pay gone before you get it?

Thu, 20 Oct 2022 01:58:38 GMT

Some time ago, I mentioned an insurance scheme that the government is looking to introduce. This was an announcement quite some time ago (Budget 2021) and is still not yet confirmed. BUT the hunch is that it will become something because it’s a pretty good legacy for a government in power to leave. So what the hell is it?

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How Far Will Housing REALLY Collapse? w Mikey Smith

Tue, 18 Oct 2022 21:07:58 GMT

New inflation data in today means that interest rates could go up even higher. What does this mean for all markets including your favourite the housing market?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Mikey Says ''Break These 7 Society Rules''

Mon, 17 Oct 2022 17:00:02 GMT

Mikey takes us through the 7 society rules that he thinks we should throw in the bin. Tune in and unlearn what you may not believe. Let us know what you think.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Do One Extra, Each Year w Mikey Smith

Sat, 15 Oct 2022 17:00:02 GMT

This is the concept of picking one thing each year that you can add to your skillset. Mikey explains it and Luke reveals his one thing for 2023 and beyond.

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Your Questions Answered [Part 4] w Mikey Smith

Thu, 13 Oct 2022 17:00:02 GMT

In this episode we look at listener feedback to our recent podcast about ‘fark paying someone else’s mortgage’ plus a couple of other questions.

This is the concept of picking one thing each year that you can add to your skillset. Mikey explains it and Luke reveals his one thing for 2023 and beyond.

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Luke Buys A Tesla Without Driving It w Mikey Smith

Tue, 11 Oct 2022 17:00:02 GMT

Ever bought a car in 15mins? Luke has. And this led to him having no idea where to pick it up from. This is a podcast about decision making and slowing down to speed up.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 126 - My own dirty secrets revealed (Productivity Rd2)

Sun, 09 Oct 2022 22:24:52 GMT

If time is money, is money time? How can we put more time back into our lives? Here are some more of the ways I have put time back into my day in order to spend that time on the things I want to do. I hope they get you thinking. Remember: you do you, these are IDEAS.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Mikey Goes To Singapore - What Did He Learn?

Sat, 08 Oct 2022 17:00:01 GMT

Mikey takes us through his so called ‘holiday’ where he tries to figure out what makes Singapore tick. This is an insight into Mikey’s brain, enjoy.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Millionaire at 23. Broke at 25. Story of Simon Phillips

Fri, 07 Oct 2022 01:30:01 GMT

Simon Phillips from The Magnitude Group stops by to give us insights into scaling up a million dollar ecom business. He also gives us insight into his journey along the way and chats about the training course he created for anyone to be able to improve their e-commerce and digital marketing knowledge.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 125 - The dirty Kiwi secret we can't ignore

Thu, 06 Oct 2022 21:15:24 GMT

New Zealanders work about 10% more hours per person than workers in the average OECD economy. Kiwis also produce about 20% less output than workers in the average OECD economy. Unfortunately, this is part of why average incomes and wealth in NZ are both significantly below the OECD average. So what can we do about it? Don't be like other Kiwis is a good starting point!

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Can You Still Get A Mortgage (September) w Mikey Smith

Wed, 05 Oct 2022 22:27:44 GMT

Luke and Mikey sit down to discuss whether or not you can still get a mortgage in the current climate (September 2022).

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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$500 to $100mil | The Story of Izzy Whitley (Aotearoa Labour Hire)

Tue, 04 Oct 2022 17:00:02 GMT

Luke sits down with Izzy Whitley from Aotearoa Labour Hireto to discuss his six years in business and his goal to turn over $100 million a year. Tune into this inspiring hour of his lessons.

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Travel - Worthwhile or A Waste? w Mikey Smith

Sun, 02 Oct 2022 17:00:01 GMT

Mikey and Luke are asked for their thoughts on travel and whether it is 'worth it' or not? Of course this is different for everyone but here are some things you may not have thought about.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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'Fark Paying Someone Else's Mortgage' is flawed thinking w Mikey Smith

Fri, 30 Sep 2022 17:00:02 GMT

The video Luke was too scared to post. Luke and Mikey discuss the concept you always see on social media 'fook paying someone else's mortgage'. Luke thinks this is 'limited' thinking and can take you down a wrong path if you don't be careful of when to apply it. See what you think

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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(You Have All You Need To Start) Less Thinking, More Doing w Mikey Smith

Wed, 28 Sep 2022 17:00:01 GMT

Mikey and Luke try to unpack for you the theory that you just need to start and figure it out as you go. You have what you need to start, you become the person you need to be to achieve what it is you want to achieve. Just start!!!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 124 - The Super NZ Fund

Tue, 27 Sep 2022 23:04:51 GMT

This week we take a look at how the government are preparing the country for the cost of retirement and what we can learn from this too. It's a long game and we need to be thinking about it. You'll learn how much the govt have invested in a giant fund to generate returns to offset the cost of kiwis retiring.

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Working On Super Yachts (Ultimate OE) w Hamish Taylor

Mon, 26 Sep 2022 23:15:48 GMT

Hamish Taylor from Yachties Of NZ sits down to tell us about a different way to live abroad. Hear some tales from his travels as well as HOW to get into the industry.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Your Questions Answered (Part 3)

Mon, 26 Sep 2022 17:00:02 GMT

Mikey and Luke sit down to answer another batch of questions you have asked via the Q & A link at the bottom of the email.

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Dress For Success?

Sat, 24 Sep 2022 17:00:01 GMT

We touch on the touchy subject of how you need to dress in this day and age if you are overthinking it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Dear 20 Year Old Kiwis

Thu, 22 Sep 2022 18:00:02 GMT

We sit down to look at the advice we would give to ourselves if we were 20 again. This might speak to a number of you out there at this age.

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$10k Applications Close Friday

Tue, 20 Sep 2022 21:31:11 GMT

On Friday we will be closing up our applications for the $10,000 investment into your side hustle or business idea. Tune in to get some background on some of the ones that have come through so far.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The NZ Rich List w Mikey Smith

Tue, 20 Sep 2022 18:00:02 GMT

We sit down to have a look at who is on the rich list with residential property as everyone believes in New Zealand that property is how you get rich. See what you can learn from these people and explore this with an open mind.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 123 - Are kiwis too broke to retire?

Sun, 18 Sep 2022 23:23:57 GMT

My old university (Massey) put out a report about how pensioners trying to survive on superannuation alone were finding it near impossible to make ends meet. Let's look at some of the findings from the report.

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3 Stages Of Your Financial Journey w Mikey Smith

Sun, 18 Sep 2022 18:00:02 GMT

The three stages that everyone will go through. You can use this to help figure out where you're at and we will be expanding on this by providing more content over time.

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Your Questions Answered w Mikey Smith (Part 2)

Sat, 17 Sep 2022 18:00:02 GMT

Mikey and Luke sit down to answer two of your questions before we get interrupted by Uber eats so check those out and see what you can learn.

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Sell A Business Tax Free w Mikey Smith

Thu, 15 Sep 2022 18:00:02 GMT

Do you know that if you sell a business you shouldn't get taxed on this? We explain why and how you can think about this in terms of your side hustle.

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Quiet Quitting | Loud Losing w Mikey Smith

Tue, 13 Sep 2022 18:00:02 GMT

Quiet quitting, what is up with this latest fad of doing the bare minimum? we explore how this type of thinking could be the downfall of a number of people if they get trapped in this way of living.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Queen Has Left Us :( w Mikey Smith

Mon, 12 Sep 2022 00:43:08 GMT

Mikey and Luke are both pretty sad about the Queen dying. We touch on what an amazing career, if you can call it that, the Queen his head and reflect on how this impacts so many people.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 122 - Why $100k is your new target income

Sat, 10 Sep 2022 08:43:25 GMT

Around 1/9 people earn over $100,000 in this country. I am on a mission to help people get increase that statistic. We can find different ways to earn income and right now we need to as inflation is rampant. Tune in to learn why you need to target this and how you can get closer to it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Our $10,000 investment in you? w Mikey Smith

Fri, 09 Sep 2022 18:00:02 GMT

Hear more about our idea to invest $10,000 into one of your business ideas and help you to build a business over the next 12 months.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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A 'system' change won't change your life? w Mikey Smith

Tue, 06 Sep 2022 18:00:02 GMT

Why are people so obsessed with thinking they will have a better life when the system changes? Start by changing yourself instead.

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Your Questions Answered w Mikey Smith (Part 1)

Mon, 05 Sep 2022 04:00:03 GMT

These are Keep The Change community questions that have been asked and Mikey and Luke sit down to answer these for you.

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Money Mail 121 - Tick these 3 goals off before it's too late

Sun, 04 Sep 2022 05:51:33 GMT

Last week, I gave you the ultimate guide to fighting back against inflation. I really hope you took something practical from it. This week, I have 3 practical goals I want you to achieve before Xmas. Tune in to learn what they are and how you can do it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Can you still get a mortgage? [August] w Mikey Smith

Sat, 03 Sep 2022 18:00:02 GMT

Mikey lets us know how busy the mortgage world has been and we make some bold predictions around what we see happening in the world at the moment.

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Where do you see yourself in 5 years? w Mikey Smith

Thu, 01 Sep 2022 18:00:02 GMT

How to get people thinking about the age old question of where you see yourself in five years time and actually building a vision for your life.

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The value equation w Mikey Smith

Tue, 30 Aug 2022 18:00:02 GMT

Mikey explains to us how you can add more value to your life, your job, and to anything using the simple equation.

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Who is this Tate / Top G guy & what can we learn? w Mikey Smith

Sun, 28 Aug 2022 22:21:43 GMT

We sit down to discuss the famous and most google searched person Andrew Tate and figure out why he is so popular and dive into why been cancelled.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 120 - The ultimate F*&k inflation guide

Sun, 28 Aug 2022 04:22:33 GMT

The Reserve Bank said that they expect inflation to be above the targeted rate (1 to 3%) until June 2024. That means your purchasing power is going to continue to get crushed. I am going to show you how you can help yourself and make some extra income. Don't delegate this responsibility to the govt or employer.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 119 - It only took 5 years to change my life

Fri, 19 Aug 2022 20:06:27 GMT

5 years ago, my business partner and I sat in Fiji tipping over a couple of Fiji golds, scheming how to build a $1,000,000 business. At the time, we had no clients, no revenue, but we did have a relentless desire to make it happen. We are now 5 years on, tune in to hear how it went.

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Money Mail 118 - A Finance App For Our Children

Fri, 12 Aug 2022 23:54:33 GMT

Last week I was speaking to one of my clients about an app that their children can use to learn more about money. I had recently been reading about this but hadn’t spoken to anyone who had used it. The app is a kiwi app called SquareOne that is helping bridge the gap between financial literacy and illiteracy.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Is University A Waste Of Money? w Mikey Smith

Tue, 09 Aug 2022 18:00:05 GMT

Luke and Mikey tackle the conversation that universities are scared to have around whether their degrees actually have any value for people. If you are considering going to uni this will have something you should be thinking about while you are there. Enjoy.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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117 - 75 Hard For Your Finances?

Tue, 09 Aug 2022 05:57:10 GMT

This week we are going to look at the latest fad out there 75 hard. How do people get into this stuff? It’s simple, right…people are looking for a transformation. They are at point A and want to go to point B. Everyone’s points A’s and B’s are different. Can we apply it to our finances with a circuit breaker approach?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Being Triggered By My Videos / Reels w Mikey Smith

Mon, 08 Aug 2022 18:00:02 GMT

Luke goes on a rant about having an ability to look at things from the top down instead of being triggered by content you see after some recent triggering the reels that have been posted by a keep the change.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Can You Still Get A Mortgage (July) w Mikey Smith

Sun, 07 Aug 2022 18:00:02 GMT

We sit down with Mikey to find out whether it is possible to get a mortgage and what the update is there. Interesting June it was one of the lowest months in history for people taking a mortgage and we ask Mikey about this.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Cost Of Living Payment Balls Up w Mikey Smith

Sun, 07 Aug 2022 05:29:49 GMT

Luke and Mikey sit down to look at the recent blunder when paying out people who were deceased or living overseas with the cost of living payment and whether it could have been avoided?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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How’s Your KiwiSaver Going? w Adam Stewart

Thu, 04 Aug 2022 02:31:50 GMT

We check in with Adam Stewart from Compound Wealth to find out what happening in the market and find out what people should be thinking about with their KiwiSaver.

Find Adam's fact finder here: https://www.compoundwealth.co.nz/kiwisaver-fact-find

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 116 - Houses - to the moon or hell?

Thu, 28 Jul 2022 23:19:54 GMT

Just over 10 years ago, I started my first public practice accounting job. In that decade I have seen a number of changes to the property rules which, I think, over time, will have an impact on the value of houses. Tune in to hear about what some of those changes have been.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Lads Watch Elvis w Mikey Smith

Thu, 28 Jul 2022 18:00:02 GMT

Spoiler Alert!! This is a breakdown of the lessons we learnt from watching the Elvis movie and we suggest not listening if you want to go and see the film yourself.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Does race really matter? w Lennie Brooky

Wed, 27 Jul 2022 20:49:26 GMT

Lennie and Luke sit down to discuss Lennie's background and a recent post on Instagram around whether anyone can be successful and how much someone's environment impacts this.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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The Govt Has No Money w Mikey Smith

Tue, 26 Jul 2022 18:00:01 GMT

Mikey and Luke sit down to talk about where money comes from for the government and whether or not they actually have any, and if they don't where is it coming from.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Property, A Bad Bet? The Rules Have Changed w Mikey Smith

Sun, 24 Jul 2022 18:00:02 GMT

Mikey and Luke sit down to look at the changes to tax laws for property in the last 10 years and what implications that may have on the value of homes over time.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 115 - $350 for free - what to do with it

Sun, 24 Jul 2022 04:34:30 GMT

In August, September and October, the government will be paying a total of $350 to around 2.1 million kiwis who earn $70,000 or less. Let's have a look at what could be really smart to do with this money rather than just spending the lot!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Dissecting Clips Pre Pandemic & Mid Pandemic w Mikey Smith

Tue, 19 Jul 2022 18:00:02 GMT

Luke and Mikey sit down to look at a couple of clips from Adrian Orr, the Reserve Bank Governor General, to get a feeling for what he was thinking about leading into the pandemic and halfway through the pandemic. They give their thoughts on what happened during that time in the economy.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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OCR Goes Up. What It Means? + Luke Hiring Offshore w Mikey Smith

Sun, 17 Jul 2022 18:00:02 GMT

Luke and Mikey sit down to discuss the recent announcement of the increased OCR and what that will mean for interest rates and costs around New Zealand. Luke also touches on hiring offshore staff.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 114 - A store where it's ALL free

Sun, 17 Jul 2022 05:04:56 GMT

Last week I was skimming through LinkedIn and saw a post about a store in Porirua, Wellington, where everything is FREE! We learn how that works and we look at a resource to help us decrease expenses.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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WTF Is Inversion Thinking? w Mikey Smith

Thu, 14 Jul 2022 18:00:02 GMT

Mikey runs us through tackling problems the reverse way. Learn this brilliant way of thinking and see how you can implement it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Million Kiwis Leaving? Really? w Mikey Smith

Tue, 12 Jul 2022 18:00:03 GMT

Surely this many people aren’t leaving? Apparently 1/3 businesses don’t think they’ll see the year out too. What’s going on for people to think like this?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Booze Now Pay Later? w Mikey Smith

Sun, 10 Jul 2022 21:48:50 GMT

We take a look at the controversy that popped up when alcohol stores decided it’s a good idea to offer BNPL.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 113 - The Tide Has Turned!

Sat, 09 Jul 2022 07:08:54 GMT

We are now 6 months into the year and we have a very different year than last year. We are going to look at a few things we are hearing out there BUT then we are going to start reminding ourselves of how important it is to have HOPE and things to look forward to. Lets dig in.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 112 - What To Tell 250 Year 11 Boys?

Wed, 06 Jul 2022 20:36:21 GMT

This year I wing my way down to Wellington. I was speaking to 250 Year 11 lads at Wellington college regarding finance and life lessons. I thought I would try and summarise my hour-long presentation into bullet points for you. This will give you an idea of what I will be covering. Here goes:

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Get a chip on your shoulder. w J Lo & Mikey Smith

Sat, 02 Jul 2022 18:00:02 GMT

Mikey got sucked into a J Lo Documentary... let's talk about what he learnt and what valuable lessons he took away from J Lo as well as others who have inspiring stories.

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Can You Still Get A Mortgage (June) w Mikey Smith

Wed, 29 Jun 2022 18:00:02 GMT

Luke and Mikey sit down to discuss whether or not you can still get a mortgage in the current climate (June 2022).

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Money Mail 111 - Impact of using kiwisaver to buy a house

Thu, 23 Jun 2022 22:11:20 GMT

New research conducted on behalf of the Retirement Commission found that Kiwisaver withdrawals had a massive impact on future balances for young Kiwis. Research suggested that Kiwisaver balances are only a third of what they could be for people who had withdrawn to buy a house or failed to contribute consistently. The average KiwiSaver balance is $29,022.

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Do You Deserve Your Success? Trigger Warning w Mikey Smith

Tue, 21 Jun 2022 18:00:03 GMT

There is a lot of chat these days about taxing the poor and calling people privileged, or talking down your success in fear of others having a go at you. Why do we feel so bad about doing well? We dig into this tricky topic.

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Don't Turn Down A Downturn [Part 2] w Mikey Smith

Mon, 20 Jun 2022 01:27:34 GMT

Mikey takes us through lessons from a recent webinar he attended (we can get you a replay if you like) around going through the recession and a downturn. It is not a time to be wasted. Tune in and see what you learn.

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Insights from an investing evening. w Mikey Smith

Sat, 18 Jun 2022 18:00:02 GMT

Mikey and Luke venture to the Craig’s investment roadshow and report back to you with a few of their key lessons from the night. Nothing ground breaking but some insight into where you can get free advice from people who are paid hundreds of thousands of dollars to research it.

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Money Mail 110 - 4 Credit Cards In The Bin!

Thu, 16 Jun 2022 21:00:02 GMT

Credit card interest rates are increasing and the need for a credit card is too. This is a story about how you can avoid that and get on top of your credit card debt. A tale of a KTC Night School graduate who cleared 4 credit cards. Practical tips for you.

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When to sell? Buy the dip? w Mikey Smith

Thu, 16 Jun 2022 18:00:02 GMT

Is ‘buy the dip’ too simple and too burnt into our brains? Perhaps we should think about taking profits too? Mikey and Luke sit down to explore this crashing market and think about some of the sayings we hear and whether we should hold hold hold and buy the dip?

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Don't Turn Down a Down Turn w Mikey Smith

Wed, 15 Jun 2022 09:48:57 GMT

A recession, a slow down, a down turn, you can call it what you will but things are getting weird out there. We take you through a quick exercise to help you think about how you may want to show up during and after an economic downturn. Let’s make the most of this!

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Money Mail 109 - $59,000 - new Kiwi median income?

Sun, 12 Jun 2022 06:41:44 GMT

It has been a long time since we looked at the average Kiwi income, so this week I thought we would do that. With the minimum wage rising year after year, inflation baked in for 12 months now and people asking for pay rises, we’ve seen an increase in the average income in New Zealand.

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Why Start A Side Hustle/Business? w Mikey Smith

Sun, 05 Jun 2022 07:29:53 GMT

Tune in to Mikey and Luke to unpack why you might want to consider starting a side hustle or business. They discuss increasing your income, the tax advantages and what you learn about yourself. Rip into it!

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Money Mail 108 - Who stole your money?

Sat, 04 Jun 2022 08:22:07 GMT

Remember from last week that the inflation target in New Zealand is between 1-3%. In the June quarter of 2021 it was 3.3%. Then to September 2021 it was 4.9% and, to December 2021 it was 5.9%. So whats up with blaming it on the war and international issues?

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Can you still get a mortgage w Mikey Smith (May 22)

Tue, 31 May 2022 18:00:03 GMT

Mikey is in the studio to teach us whether people are still able to get a mortgage with all of the madness out there. We ask what people should be thinking about when assessing their own ability to service a mortgage and he gives us a simple calculation to think about. Listen and learn.

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MEGAPOD - What's going on out there & what to do (with Mikey Smith)

Sat, 28 May 2022 23:10:09 GMT

Mikey and Luke chew the fat for over an hour on what’s happening in the world and how that impacts finances. They get a little deep on some of the things they do to help protect themselves during tough times. There might be some gems in there for you as they both think harder times are coming. Get ready!

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Money Mail 107 - OCR up, up and a raging

Sat, 28 May 2022 23:09:13 GMT

This week, the Reserve Bank raised the Official Cash Rate by .5% to 2%. This is now a 6 year high for the OCR. We take a look at what it all means and get warned that this won't be the last increase we see in the OCR. Get learning how this impacts all of us.

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Money Mail 106 - Budget 2022 - What it means

Thu, 19 May 2022 21:54:34 GMT

There is something in here for over 2 million Kiwis directly as this is the number of people estimated to be eligible for the $350 cost of living payment. Let's take a look at how this works and whether it's that exciting given higher taxes and inflation. Dig in!

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Money Mail 105 - Investing in yourself during tough times

Thu, 12 May 2022 20:44:42 GMT

When I put together the 30 in 30 podcast series, one of the most mentioned podcasts was around investing in yourself. Investing in businesses and deals seems complicated. It is something that not all of us are familiar with, but I like to remind people to keep it simple. Start by investing in yourself.

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Money Mail 104 - What is a recession?

Sat, 07 May 2022 21:10:02 GMT

Last week we learnt that in the United States their GDP growth for the first quarter was actually a drop of 1.4%. This wasn’t expected and the anticipation was that there would be 1% growth. People don’t like to see drops in quarterly GDP growth. It gets people talking about the R word. Recession! What about here in NZ?

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Money Mail 103 - The world is a changing (quickly!)

Sat, 07 May 2022 21:03:50 GMT

Whatever you invested your wealth in over the last couple of years, we are all in for a bumpy ole ride. A bumpy ride usually means we lose the odd person to car sickness, but together we make it to the other side. This is a chance to learn and to learn about ourselves.

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Money Mail 102 - Lotto...the great heist?

Sun, 24 Apr 2022 02:40:17 GMT

Lotto aye...the great gamble kiwis love to dabble in every week. So what are the chances of winning Powerball and is it better to guarantee we become a millionaire vs. hoping that a yellow ticket does the job for us? Let's have a fun look at Lotto.

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Money Mail 101 - Struggling to buy a house? Try this

Thu, 14 Apr 2022 18:00:02 GMT

I was reading up about Kāinga Ora’s first home partner programme. To summarise it really quickly for you, Kāinga Ora (a govt department) have a first home partner offering that help you get into your first home. They do this by purchasing a percentage of the house you want to buy and you finance the rest with the bank. Let's learn how it works and where we can find more info.

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What To Do When You're Stuck

Wed, 13 Apr 2022 18:00:02 GMT

Tune in to hear my thoughts about what to do when you're feeling stuck and how to find ideas.

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Mind Blowing Experts I Listen To

Tue, 12 Apr 2022 22:00:05 GMT

By now you have probably realised I consume a lot of content. Tune in to find out what mind blowing experts I listen to for education, inspiration and motivation.

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Mind Blowing Books To Read

Mon, 11 Apr 2022 18:00:03 GMT

Listen in to find out about important books around financial literacy that could help you further educate yourself. These books have really helped my life i hope you get a lot out of them too.

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New Financial Year New You (Part 2)

Sun, 10 Apr 2022 18:00:04 GMT

Part 2 - Thinking differently about your new financial year. Tune in to find out why if you only think about paying down debt you may still end up in debt.

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New Financial Year, New You? (If you dare...)

Fri, 08 Apr 2022 23:23:50 GMT

How can we achieve more than ever before? This starts by changing our thinking. Tune in to see how people are about to get pounded by things they can't control that will mean they focus on contracting rather than growing.

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Money Mail 100 - Week 100 - the cost of running KTC

Fri, 08 Apr 2022 05:20:41 GMT

100 not out!!! We made it to episode 100. Thanks for learning. Today we look at the cost of running Keep The Change for the last financial year. Do you think this is a profitable venture for me or an investment into other peoples education? Tune in to find out

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Money Mail 99 - Who’s got all the cash?

Thu, 31 Mar 2022 20:49:31 GMT

Transaction accounts have increased in balance by around $25 billion since the start of the pandemic. Who has all of this cash and what are they planning on doing with it? For some of you who like to hustle, you have to understand that people are sitting on large amounts of cash that they can access (it’s not locked up in stock markets or term deposits, for instance). That means you can access it.

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30 In 30 | 30. YOU Are Powerful As Fark So Who Stole Your Power?

Tue, 29 Mar 2022 17:00:02 GMT

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when I quit my job. For the 2022FY I will pay the IRD more tax than what my entire salary was when I left my job. Who would want to pay more tax? Tune in and find out my crazy logic.

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30 In 30 | 29. What Did I Miss? 35 High Level, Key Points

Mon, 28 Mar 2022 17:00:03 GMT

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30 In 30 | 28. Your Questions From These Lessons

Sun, 27 Mar 2022 17:00:02 GMT

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30 In 30 | 27. Visibility Is A Fake Metric For Success

Sat, 26 Mar 2022 17:00:02 GMT

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.

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30 In 30 | 26. My Step Dad Passes Away

Fri, 25 Mar 2022 17:00:03 GMT

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Money Mail 98 - Achieving my weird goal

Thu, 24 Mar 2022 20:30:45 GMT

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30 In 30 | 25. Why I Rent (Listen With Open Mind)

Thu, 24 Mar 2022 17:00:02 GMT

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30 In 30 | 24. The Top Tax Bracket (39% Tax 🤯)

Wed, 23 Mar 2022 17:00:03 GMT

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30 In 30 | 23. The 'Buying Fancy Sh!t' Trap

Tue, 22 Mar 2022 17:00:02 GMT

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keephechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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30 In 30 | 22. Stag Do & Friends Share Groups

Mon, 21 Mar 2022 17:00:02 GMT

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30 In 30 | 21. Spending To Get Time Back

Sun, 20 Mar 2022 17:00:03 GMT

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30 In 30 | 20. Giving | Why I Think Giving Is Important

Sat, 19 Mar 2022 17:00:02 GMT

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keetphechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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30 In 30 | 19. Commit & Then Figure It Out

Fri, 18 Mar 2022 17:00:02 GMT

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Money Mail 97 - Investing? Need to consider taxes?

Thu, 17 Mar 2022 20:00:03 GMT

Most people buy shares hoping for a capital gain and we do not currently have a capital gains tax in New Zealand. Shares are usually a capital asset and any gains the seller gets on the share sale are non-taxable income (as long as the shares were held with the intention of a long-term investment). But what about dividends? Chances are the IRD already know about some of these.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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30 In 30 | 18. A New Money Mindset

Thu, 17 Mar 2022 17:00:03 GMT

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30 In 30 | 17. Building An Emergency Fund

Wed, 16 Mar 2022 17:00:03 GMT

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30 In 30 | 16. Stacking 6 Figures ($100k) | Why I Did This

Tue, 15 Mar 2022 17:00:03 GMT

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30 In 30 | 15. Saving 40% Of Your Income (WTF, How?)

Mon, 14 Mar 2022 17:00:02 GMT

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30 In 30 | 14. Buying A Flash Car (A Waste Of Money?)

Sun, 13 Mar 2022 17:00:02 GMT

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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30 In 30 | 13. Investing In Yourself (Why?)

Sat, 12 Mar 2022 17:00:03 GMT

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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30 In 30 | 12. Being Broke & Living Rent Free House Sitting

Fri, 11 Mar 2022 17:00:03 GMT

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Money Mail 96 - One for the ladies

Fri, 11 Mar 2022 03:36:52 GMT

This week we had international women's day. On the weekend, I was reading about how women have less money in their Kiwisaver than men. Straight away my assumption was that this would be because women take less risk, so are probably more likely to be in conservative funds. Anyway, I didn’t want to just assume all ladies are risk-averse, as a lovely lady (my Mother) taught me that assumption is the Mother of all stuff ups. So let's find out...

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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30 In 30 | 11. Quitting My Job

Thu, 10 Mar 2022 17:00:02 GMT

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30 In 30 | 10. Breakups, Bad Choices, Death (Warning: Heavy Content)

Wed, 09 Mar 2022 17:00:05 GMT

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30 In 30 | 9. Buying Shares (The A2 Milk Story)

Tue, 08 Mar 2022 17:00:03 GMT

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30 In 30 | 8. Trying Travel & Trying To Remember Vegas

Mon, 07 Mar 2022 17:00:02 GMT

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30 In 30 | 7. Selling A House (WORST financial decision?)

Sun, 06 Mar 2022 17:00:03 GMT

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30 In 30 | 6. Pissing Away My 20's

Sat, 05 Mar 2022 17:00:02 GMT

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30 In 30 | 5. The Credit Card Spiral

Fri, 04 Mar 2022 17:00:03 GMT

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Money Mail 95 - What the f4rk is the point?

Thu, 03 Mar 2022 20:00:03 GMT

World Wars, market crashes, pandemics, floods, endemics, inflation, protests, business closures, the list goes on. How did we get here? And what’s the point of carrying on investing when it’s all so messy? Let's figure out why we need to carry on...together!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
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30 In 30 | 4. Buying A House

Thu, 03 Mar 2022 17:00:03 GMT

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30 In 30 | 3. Buying Beds & Lazy Boys On Consumer Finance

Wed, 02 Mar 2022 17:00:06 GMT

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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30 In 30 | 2. Wasting Money As A Teenager

Tue, 01 Mar 2022 17:00:03 GMT

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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30 In 30 | 1. Growing Up

Mon, 28 Feb 2022 20:00:02 GMT

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 94 - Your personality type & spending

Sat, 26 Feb 2022 04:14:41 GMT

Longer episode this week running you through my crazy week. Then into this weeks lesson: There is a great quote: ‘know yourself to know others’ and it’s a great reminder that often we are quick to judge or make sense of other people but we need to ask ourselves if we have done the same for ourselves?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 93 - I lost $37k in investments in January

Sun, 20 Feb 2022 01:39:22 GMT

We spoke briefly about how January wasn’t very flash for investors. On the 31st of January I was brave enough to pull up my Financial Position. $37k of networth gone! Crypto, stocks, kiwisaver, sharesies, it had all sh!t the bed to put it politely. This is a time for logic, not emotion.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 92 - The cost of travel for you

Thu, 10 Feb 2022 20:06:02 GMT

On the weekend, I was giving someone a hand with their finances and we noticed something pretty alarming. The cost of petrol and parking for them was over 10% of their total salary. We know from recent data that transport was the second biggest contributor to inflation for 2021. Statistics New Zealand said during last year the average price of 91 octane petrol increased 30%, from $1.87 per litre to $2.45 during the year. So what can we do?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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https://www.keepthechange.co.nz/

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What's Going On Out There?

Mon, 07 Feb 2022 20:35:24 GMT

What’s going on? A quick summary of some of the thoughts I had over the long weekend when thinking about prices going up, debt levels, the economy and what we can do to get back in control. Enjoy!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 91 - I gambled $660k of people's money 😱

Fri, 04 Feb 2022 04:25:23 GMT

If you haven’t bumped into my passion project ‘Boys Get Paid’, you might find this subject line very confusing. Two Saturdays ago we hosted an event for 850 people. We also run a ‘punters club’ where we pool everyone's money and bet it on behalf of everyone on the night. We had over 7,500 people deposit money from all over the country (and a few Aussies). This was the 5th year of doing this and we wanted to set a target for a pool of $500,000. I wanted to share a few things with you that I have learnt from this journey.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 90 - Are Your Assets Performing?

Fri, 28 Jan 2022 08:10:24 GMT

From time to time, I will go through the assets that I own and I will question myself about whether they are performing. Buy and hold is a great simplistic strategy, but sometimes, things can change and sometimes our tactics need to change as the world does. We discuss getting clear on thinking about the purpose for purchasing any type of asset.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 89 - [Activity] Analyse your life's costs

Thu, 20 Jan 2022 21:00:03 GMT

Lately, we’ve been talking about prices going up and most people are probably just skimming past it thinking it doesn’t apply too much to them. I’ve put together a practical exercise you can do over the weekend. If you are brave enough, you need to look at EVERY cost in your life. This isn’t fun, but neither is not sleeping or worrying about money, so get this done.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 88 - Your network is your net worth (apparently)

Thu, 13 Jan 2022 23:59:22 GMT

Have you heard this saying before: ‘Your network is your net worth’? From what I have seen (as much as we might not like it), these sayings are very true and we will all see this playout throughout our lives and probably even use these sayings. Sometimes these things can work for us and other times against us. Ultimately, you need to build connections over time so that you can get these things working for you.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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KTC x Compound Wealth [Kickstart Kiwisaver 2022]

Wed, 12 Jan 2022 20:08:15 GMT

Tuning in with Adam from Compound Wealth to find out what we need to be thinking about when it comes to Kiwisaver in 2022.

Adam will run us through some of his recent articles including a look at which provider had the best performance across different fund types:
https://www.compoundwealth.co.nz/.../what-are-the-best...

Adams team have a free Kiwisaver Fact Find that you can complete at any time to get a recommendation on what you should or shouldn't be doing:
https://www.compoundwealth.co.nz/kiwisaver-fact-find

Find Compound Wealth here: www.compoundwealth.co.nz

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 87 - How my mate JUST became a millionaire

Fri, 07 Jan 2022 03:20:31 GMT

Last week we were talking about the vehicle we are in and whether that is going to make it when it comes to taking us to our desired destination of financial goals. I want to tell you a story about one of my best mates. He recently sent through a screenshot of shares that he owns and they had gone past one million dollars in total. This isn’t a sharesies account. In fact, it is one share and one share only. It is shares in the company he works for.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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(R18) What Life Events Have Shaped Your Thoughts On Money?

Thu, 06 Jan 2022 04:01:50 GMT

A NY special podcast looking at where some of the things you believe about money came from. What major life events have shaped how you see the world and how you can work out whether those thoughts serve you well. A very raw podcast to get you thinking. Plus the thief outside as we start the podcast!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 86 - Time for a new vehicle in 2022?

Tue, 04 Jan 2022 22:03:46 GMT

Bring on 2022! I’m not talking about the car you’ve been thrasing for years Luke. I am talking about the vehicle that is taking you to your eventual income and wealth. If you look at your income earner (your job, business, investments etc) as a vehicle, you can ask yourself whether this vehicle will take you to your ultimate desired destination?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
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How To Smash 2022 (Tactics I Used To Smash 2021)

Tue, 28 Dec 2021 05:51:13 GMT

Hey 👋🏻 these are some practical things you can use to help you achieve your goals in 2022. I’ve tested these myself and can vouch for them. I hope they help you smash 2022, Luke!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 85 - A Xmas gift that could change NZ for ever

Fri, 24 Dec 2021 00:22:36 GMT

This summer, when you see kids out on the street selling lemonade, fruits etc., then stop and reward them for their work. You never know who you will inspire. I learnt a lot about business selling feiojas at my gate when flatting at university. Merry Christmas from Keep The Change!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 84 - The 30% pay bracket is coming for many kiwis

Fri, 17 Dec 2021 09:45:22 GMT

As we raise incomes in NZ, something else is happening...we are getting people closer and closer to a 30% tax bracket which kicks in from $48,000 of income. We will need to educate people that this isn’t 30% tax on ALL of their income but only the income above $48,000 (see tax rates below).

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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The More Money Webinar

Wed, 15 Dec 2021 00:51:54 GMT

Let's explore how we can make more money in 2022.

How can we get back in control of our income when costs are creeping up on us?

Check out the more money template
https://docs.google.com/document/d/1HP2cjvCzaf8s2YMhbfBAAZNtzs-ULww52c3P4oX3k_8/edit

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 83 - Huge pay cuts for a number of Kiwis in 2022

Thu, 09 Dec 2021 21:33:32 GMT

The pay decrease - the increase in interest paid to the bank leading to less money left in the household for spending. Kiwis are obsessed with ‘locking in’ the best interest rate and playing the ‘will they go up or down’ game. In 2022 this means billions & billions (fair bit more than lotto) of dollars of debt will roll off their current locked in interest rates.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 82 - Will house prices really go down in 2022?

Mon, 06 Dec 2021 20:59:29 GMT

Economists at three of the four largest banks see house prices dropping in 2022. The average value of NZ homes increased by $17,227 in November. The average value is now $987,401, according to the CoreLogic House Price Index. Over the year to the end of November, the average value of New Zealand homes is up $218,388.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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The Importance of Month End

Tue, 30 Nov 2021 21:02:50 GMT

Reminder: Have you been doing your month end process?

Todays bonus episode is around month end and what you should be doing to set yourself up for success. This is extremely important as we embark on the silly season as we know this can be a stressful time of year for kiwis.

You can access access our "Financial Position" template through the link below:
https://drive.google.com/drive/u/1/folders/1djmETm-76k4gEwb9EupQ_Hx0x4BtGT0Y?fbclid=IwAR3iv2WYHi3njfWldY4zzvPsjt-aI_w1x7FOVHS2f9iO8X6Qh77Tlgv57Hc

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 81 - Is a term deposit your money?

Sun, 28 Nov 2021 01:40:20 GMT

Ahh the ole term deposit. What are they? A term deposit is a type of deposit account usually held at a bank, where the money is locked up for a set period of time and returns a set interest rate. Today we are going to look at whether you can get your money out early?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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A Q&A snippet on the economy & inflation with Grant Robertson

Sun, 28 Nov 2021 01:39:46 GMT

We listen in to an interview with the finance minister Grant Robertson and try and decipher what he is talking about when it comes to inflation and our robust economy. Is there anything for us to worry about when its an issue being faced worldwide and is there anything you and I can do to protect ourselves?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
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Money Mail 80 - Aucklanders are freeee (to smile?)

Sun, 21 Nov 2021 04:41:32 GMT

Well Aucklanders, how happy are you? You can finally get out of jail and get around the country.
For some of you outside of Auckland, you are probably keen to tune straight out. JAFAS and all that. We are talking about how important it is for the country to be moving freely and what this leads to.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 79 - Moving a credit card to 0% interest

Sun, 14 Nov 2021 02:06:21 GMT

This week we are going to carry on the theme of debt and have a look at using a credit card balance transfer. If used properly a balance transfer can be an effective way of quickly paying down debt, but first, you will want to ensure you understand how it works, as the interest rate that kicks in can be brutal!

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 78 - To Pay Off My Student Loan?

Mon, 08 Nov 2021 21:21:43 GMT

We've briefly spoke about how an interest-free student loan could be a good thing right now. Especially with inflation here. Many people with a student loan (or any form of interest-free debt) are sitting there thinking what is the point of paying this off in a hurry if it’s not really costing me anything in terms of interest? A good question, although there may be ways in which it will affect you financially down the track if you’re not careful.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 77 - Inflation...the good, bad & the yucky

Sun, 31 Oct 2021 22:51:44 GMT

Last year, we talked about how you and I were going to get taxed in the form of inflation and it is here, BIG TIME! Statistics NZ tells us that annual inflation jumped to 4.9% in the September quarter. This is the highest level of inflation we have seen in over 10 years. Inflation is worth understanding and thinking about for all of us because we can take actions to combat it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 76 - 365 days on from my first bitcoin buy

Mon, 25 Oct 2021 00:57:19 GMT

Today is exactly one year on since I made my first bitcoin purchase. The $3,300 is now worth $15,100. Pretty decent return, huh? An $11,800 unrealised gain. I haven’t sold it, so as you know, this is an ‘unrealised gain’. It would only become a realised gain if I were to sell & bank the profits (which I would pay tax on). It’s a great feeling. You probably think that it’s a great feeling due to the fact that I’ve made $11,800 on paper? Well, that’s great, but it’s not really about that. It’s more about trusting my instinct, research and then having the courage to do something about it...turning those thoughts into action.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Bitcoin Highs + Inflation + Auckland

Tue, 19 Oct 2021 04:49:18 GMT

Bonus Episode! If you've been tapped in you would know inflation is likely to go up 5%. Luke jumps on a call with Mikey to break down what inflation is, what the increase means with real-life examples, and how to combat it.

discuss Bitcoin Highs + Inflation + Auckland.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 75 - Unclaimed Money...are you owed anything?

Sat, 16 Oct 2021 22:13:26 GMT

Did you know: As at November 2019, there was an estimated $199 million of unclaimed money in the Crown’s accounts. Unclaimed money is money left untouched by its owner in organisations like banks, insurance companies, power companies or an old employer. It is usually amounts over $100.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 74 - Eyeball your debt...look into it's soul

Mon, 11 Oct 2021 20:47:28 GMT

Start by writing down all of your debt and eyeball it. Actually, come to terms with the debt that you have (this is why I suggest completing your financial position monthly). Rank your debt in order of importance. The most important may not be the largest. It is most probably the debt with the highest interest rate.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Case Study: 'The debt stress is huge'

Sat, 02 Oct 2021 22:15:09 GMT

We talk with a Keep The Change reader about their forms of debt and how they got into them. We go through some practical ways we could get back in control of this and make some suggestions of how we could do this faster. Tune in as there will be thousands of people in a similar situation.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 73 - I am looking for someone in a bit of debt

Sat, 02 Oct 2021 22:07:40 GMT

Coming to you on this beautiful Level 3 Friday during mental health awareness week. Surely we’ve all had that feeling at some point in our lives where we just think all of the solutions seem too practical & they are going to take too long. It stops us from even starting. What’s the point?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 72 - How big shocks sneak up on us

Sat, 25 Sep 2021 22:46:53 GMT

There were huge concerns that an Evergrande property bust in China could cause a worldwide ripple impacting all markets. This has been brewing for months, and really for those researching close enough, years. This is often how these big shocks sneak up on us. We aren’t awake to the fact that risk is just around the corner. We are busy doing our day-to-day lives and all of a sudden it seems to just come out of nowhere.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 70 - Need to claim your donations?

Sun, 19 Sep 2021 10:08:12 GMT

It is estimated that roughly one billion dollars of unclaimed charitable donation rebates are sitting waiting for New Zealanders to claim them. We can all claim back 33.33% of the donations that we make This podcast will give you a good solid understanding of how donations (and claiming them) work in New Zealand under our tax rules.

"Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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KTC - Questions From Instagram

Sun, 12 Sep 2021 06:07:24 GMT

We are going to look at some questions that came in via Instagram today and before answering them we are going to explore how we’ve been taught to ask THE WRONG questions. This stops us from taking action. Clean your brain up with this lesson.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 69 - The OCR - The ‘Official’ Cash Rate

Fri, 10 Sep 2021 05:01:42 GMT

Recently, we looked at who the Reserve Bank are and this week we are going to look at one of the levers that they pull. Well, the Official Cash Rate or OCR is the interest rate set by the Reserve Bank. It is a lever they pull to support ‘maximum sustainable employment’ and ‘price stability over the medium term’.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 68 - So you want to buy a car?

Fri, 03 Sep 2021 01:17:27 GMT

Us Kiwis love cars. I get it, I've had a few over the years. Usually I've not paid for these upfront either. I have used finance to buy them. Many of us use debt to get into a new vehicle. We look at the things we need to be careful of when borrowing for a vehicle.

"Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 67 - The TJ Perenara of banks?

Thu, 26 Aug 2021 23:46:15 GMT

The Reserve Bank Of New Zealand. Who the hell are they? Their name suggests that they are the TJ Perenara of Halfbacks in New Zealand. Ready to step in off the bench if ya Westpacs, ASB’s, ANZ’s, Kiwibanks, BNZ’s, Heartlands all get injured. Although they do provide these banks with some support when things get dicey, they are also in charge of monitoring and supervising the registered banks.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Choices - Getting outside the system (Luke + Mikey)

Tue, 24 Aug 2021 02:57:54 GMT

Mikey joins me to discuss the concept of breaking the cycle, making your own choices and getting outside of 'the system'.

Taking responsibility for your financial situation.

Thought provoking stuff that certainly isn't for everyone.

PLEASE remember to always start with what YOU want from life.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 66 - The problem parents have with low interest rates

Sun, 22 Aug 2021 21:59:47 GMT

In this episode we are going to look at low interest rates (we first looked at this in week 3). Well, what’s the big problem with low interest rates? Often they excite people as debt becomes cheaper and we love debt. BUT they aren't always exciting for people with cash or assets - find out why in this episode.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Crypto - Who I've Used To Buy Coins (Luke & Mikey)

Sat, 21 Aug 2021 01:12:05 GMT

Luke & Mikey sit down to answer the common questions of who we used to buy crypto currency’s and how you store it. Then we go deep into why we bought it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 65 - Getting stuck in a money rut - what to do

Mon, 16 Aug 2021 23:35:04 GMT

We all get stuck in money ruts along the way. The key is to see it for what it is and then put it into perspective - is this a temporary rut or an on-going one that can be solved? We explore different opinions from the Keep The Change community who went through the Five Figure Formula methodology.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 64 - A freehold home by 25...but whats the catch?

Wed, 11 Aug 2021 04:39:17 GMT

Imagine thinking it takes a lifetime to pay off and house and then doing it in your twenties? Doing things that we think are near on impossible can be confusing. Sometimes we have to get rid of the old lessons that we now realise aren't true. We dig into this DEEPLY on this lesson.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 63 - HOW the rich just got richer (& it's not their fault)

Fri, 30 Jul 2021 22:19:21 GMT

The net worth of Kiwi households increased by around $417 billion in the 12 months to March 2021 🏡 (houses anyone?). This increase is nearly as much as the increase of the four previous years combined. We take a look at what this means for us and what we need to be doing for ourselves.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 62 - Buying Crypto For A One Year Old (On Purpose)

Fri, 23 Jul 2021 04:08:43 GMT

One year on from setting up a little share portfolio for my nephew and its time to reinvest. Tune in to find out how far ahead he is from his initial investment and what I choose to invest into this year for him. We re-think gifts on this episode.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 61 - $186,000 Profit From A House In One Year

Tue, 20 Jul 2021 19:00:16 GMT

We look at how a rental property made more than 98% Kiwis in one year and no one has even lived in it yet. Crazy right. Then we dive into the tax on this for the owner and how they might legally avoid it by borrowing against it over time. A VERY informative lesson.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 60 - Are You Getting Paid What You Are Worth?

Mon, 19 Jul 2021 19:00:04 GMT

Labour is at an all time shortage - we don't mean the political party either, we mean the supply of people who want to work. That means you need to know how you fit into your working environment and whether you are getting paid what the market now values to be worth. Don't get caught behind.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 59 - How A Phone+Pics(Yes Those Pics)=$12mil A Year

Sun, 18 Jul 2021 19:00:11 GMT

Sending 'those' pics...what a way to make a living. BUT people are and all power to them. You do you. We then look at the worlds latest richest person. Who are they and how are they using scalability to achieve their financial success.

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Money Mail 58 - What Your Peers Reveal About Your Future

Sat, 17 Jul 2021 19:00:05 GMT

Do your peers earn the same as you? How does that happen. People often say we are the sum of the 5 people we spend the most time with. We need to be careful of the environments we spend time in and how these impact our finances. How you can use social media to surround yourself with great minds.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 57 - NZ's New Tax Bracket

Fri, 16 Jul 2021 19:00:12 GMT

New Zealand has a new tax bracket. Income over $180,000 will now be taxed at 39%. In this episode we work through some examples and explain how if you have side hustle income or extra income from selling crypto/houses, you might want to be mindful of this.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 56 - Closed Mind, Closed To Opportunity?

Thu, 15 Jul 2021 19:00:05 GMT

Is your closed mindedness stopping you from learning? We dig into the ability to stay neutral and not be triggered by things that we may not necessarily agree with.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 55 - What Colour Air NZ Lollie Is Your Favourite?

Wed, 14 Jul 2021 19:00:19 GMT

Is it the green one? In this episode we talk about 'self tax' and what that is. Paying money for things that you don't necessarily need but are happy to pay for - like the Koru lounge.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 54 - The BOLD Change Missing From The Govt. Budget

Tue, 13 Jul 2021 19:00:20 GMT

Tax deductible expenses for people who spend money on counselling, health and learning...wouldn't that be great? We look at the Government budget, what it's biggest cost is and how it could be done differently one day...hopefully

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 53 - Is Buying A House A Waste Of Money?

Mon, 12 Jul 2021 19:00:18 GMT

This week we look at some of the hidden costs when it comes to home ownership. So that we can be on the front foot and provide for those inevitable expenses that owning a home bring into our life.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 52 - [52] A Years Worth Of Money Mail...Whats Next?

Sun, 11 Jul 2021 23:34:38 GMT

We made it...a whole year of Money Mail. When starting Money Mail, I didn't want it to be a flash in the pan so committed to a year of content before starting. We discuss how consistency can help us become better at a number of areas of our life.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 51 - Is Renting Really A Waste Of Money? The Mortgage TRAP

Thu, 08 Jul 2021 19:00:11 GMT

Oh so you rent...we've all heard it before, when people look down on those who rent. BUT is it all that bad? We take a look at some of the positives of rent and how people often TRAP themselves in a mortgage but don't know they do until they lose their freedom and can't make changes to their life because of their mortgage.

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Money Mail 50 - 1 House Into 2. Adding Houses. Adding Value. Making Bank

Wed, 07 Jul 2021 19:00:12 GMT

How a property developer can turn one section into two and make money selling both properties. Tune in to find out how it can be done. Be sure to look at the weekly email for a real photo of this process.

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Money Mail 49 - 'Simply The Best'...Or Is It?

Tue, 06 Jul 2021 19:00:19 GMT

A quick check in after buying more cryptocurrency. The trap of chasing 'the best'. Don't let this thought process be the thing that stops you from taking action. Too many people get stuck at researching 'the best' instead of doing what they need to do.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 48 - What A Quick $2billion Look Under The Carpet Looks Like

Mon, 05 Jul 2021 19:00:10 GMT

560,000 Kiwis owe $1.9billion dollars to the Ministry Of Social Development. How is this even possible? We take a look under the carpet and see what we can find. Is it getting worse or better out there?

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Money Mail 47 - Why The Side Hustle Webinar Flopped

Sun, 04 Jul 2021 19:00:17 GMT

Just kidding, it went huge! We dig into the two hour webinar around side hustles and how you can find some resources to help you understand how a side hustle works and the mistakes to avoid before going on that journey..

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Money Mail 46 -Happy New Year (kind of). Want more $?

Fri, 02 Jul 2021 22:53:40 GMT

A new financial year. Us accountants get pretty excited at that time of the year. We look at tracking your net worth and why year end / month end is a great time to think about finances. We also look at an upcoming webinar to help you think about making more money.

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Money Mail 45 - How A Mate Picked Up $30k In Fake Debt (In Under 2 Mins)

Wed, 30 Jun 2021 19:00:05 GMT

How does debt end up in the system and what if it's not 'real'. How the hell does that work. We take a look at a person being out bid at an auction for a property....but then winning the auction and ending up with another $30k of debt due to the other bidders parents stepping in to help. Is that debt real or not?

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Money Mail 44 - What The Hell Is A Dividend?

Tue, 29 Jun 2021 19:00:13 GMT

Dividends. Imputation credits. Withholding Tax. You name it, we break it down so that you can understand. A simple explanation of how dividends work and why you need to be aware it is income that will end up in your tax return.

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Money Mail 43 - Another Week Not Being An Influencer

Mon, 28 Jun 2021 12:00:16 GMT

Ok so we made it on Seven Sharp for 4 seconds after using the $100 gift technique we learnt about many lessons ago. We touch on the TV debut and then look to understand Dollar Cost Averaging some more when it comes to buying shares. Remember all platforms have different costs.

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Money Mail 42 - What Its Like To Be An Influencer (Inside Scoop)

Sun, 27 Jun 2021 19:00:02 GMT

Ever wanted to be an influencer? What's it like? Who knows so instead we get geeky and look at something more important for you - Dollar Cost Averaging. Learn what DCA is in this episode.

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Money Mail 41 - Who Wrote This Letter To Themself?

Sat, 26 Jun 2021 12:00:14 GMT

A look at an amazing letter from a sporting legend who wrote to his 17 year old self about the down fall of being so giving to his family. A real tear-jerker.

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Money Mail 40 - Whats The Word For Money That Creates Money?

Fri, 25 Jun 2021 12:00:20 GMT

Compounding. What is it and why is it so important? Often described as the eighth wonder of the world. We take a look at how we can use the magic of compounding to help us achieve goals faster.

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Money Mail 39 - Bit A Coin To Invest?

Thu, 24 Jun 2021 19:00:15 GMT

We are back talking Bitcoin as Elon throws $1.5bil of Tesla's funds at it. We have a look at why he might have done something like this when it is said to be so volatile.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 38 - My Stock Pick That Cracked 100% In Under 12 Months

Wed, 23 Jun 2021 19:00:02 GMT

To sell of hold? This week we look at trading vs investing and ways to think about investing if you are just getting started. You don't need to get caught up in all the hype, stick to what works for you and your financial goals.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 37 - The Number One Thing To Invest In This Year...And Next

Tue, 22 Jun 2021 19:00:12 GMT

Clue - it isn't a stock on the stock market. This investment is often overlooked by the masses but not by those who really know how to get a huge return. Check this lesson out and see what it is

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Money Mail 36 - The Most Common Email I Get

Mon, 21 Jun 2021 19:00:15 GMT

Back at it with 'double tax' and explaining that there is no such thing.Tune in for a simple reminder of how secondary tax won't destroy your second jobs wages.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 35 - Money Has NO Value, NONE At All

Sun, 20 Jun 2021 19:00:11 GMT

Us humans love to complicate things and make them more complicated than they need to be. Like assigning value to money. How does it work and is money really the root of all evil?

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Money Mail 34 - 'Stuff' the CEO's & Their Big Pay Packets

Sat, 19 Jun 2021 19:00:09 GMT

We look at an article about how highly paid CEO's should have potenitally not been paid during the tough year that COVID brought us. What good can come of hating on those who earn more than us? Time to explore.

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Money Mail 33 - The Only Resolution You Will Need

Fri, 18 Jun 2021 23:45:44 GMT

Take action...of course. This was a lesson from a new calendar year. We talk about making a financial resolution for the new year and how taking action is so so important.

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Money Mail 32 - Christmas Day | Have A Good One

Thu, 17 Jun 2021 19:00:15 GMT

Couldn't help but wish everyone a Merry Christmas so we took the opportunity to look at being grateful and thinking about the things that we do HAVE at Christmas time rather than comparing lives to others on social media or in the neighbourhood.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 31 - Over 6 In 10 Kiwis Live Week To Week

Wed, 16 Jun 2021 19:00:03 GMT

Living paycheck to paycheck. How does it happen, why do so many people do it and how can we break the cycle? We take a look at the theory of saving first, not last in order to build a new habit.

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Money Mail 30 - $100 Challenge [ONLY Open If A Nice Person]

Tue, 15 Jun 2021 19:00:12 GMT

Can you give $100 to a complete stranger? How would that make you feel. This is the challenge (it doesn't have to be $100) that a number of readers and listeners have taken to give back to those around them. We look at why you might want to do this.

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Money Mail 29 - The Xmas Tips Your Favourite Influencer Won't Give You

Mon, 14 Jun 2021 19:00:02 GMT

Gifts, gifts and more gifts. Do people really need them? We take a look at different practical ways to re-think Christmas time and how we approach it. 25% of Kiwis end up anxious about the amount they spent on Christmas. How can we avoid falling into the same trap?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 28 - The Retirement 'hack' That No One Talks About

Sun, 13 Jun 2021 19:00:15 GMT

Working huh. Maybe we continue to work once we get to the age that people think retirement kicks in. Today we do some math and explore what income streams we might have to spend when we are retired.

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Money Mail 27 - The Exact Amount You Need To Retire

Fri, 11 Jun 2021 19:00:17 GMT

Let's be honest we don't know when we will retire and what it will look like when we get there do we so it's hard to know exactly what we'll need. BUT todays lesson is about starting to think about retirement and how we can fund the retirement we want.

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Money Mail 26 - How You Can Get Sh!t Done

Fri, 11 Jun 2021 02:25:00 GMT

A framework that successful people use to get plenty done. There is no reason why you can't copy it and use the exact same framework. If you are stuck in a rut then this is for you. There is a challenge to use this framework for something finance related too - get stuck in and get it done.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 25 - Who Really Wears The Money Pants?

Tue, 08 Jun 2021 19:00:16 GMT

Lessons from starting a business where 85% of our customers were female. Our money backgrounds are all completely different so we should expect differences in how we deal with money in our day-to-day lives. We discuss some stats and how we can get on the same page with our partners.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 24 - Do These Two Words Scare Your Or Get You Excited?

Mon, 07 Jun 2021 19:00:02 GMT

Housing Boom...we look at the housing market going absolutely nuts and stop to think about whether this is something we really want ourselves? What are our goals and what do we care about? Who keeps telling us to buy houses, is it something we really want?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 23 - Why Are People Buying Bitcoin?

Thu, 03 Jun 2021 19:00:15 GMT

Bitcoin. The big B word. In this episode we look at money following attention (again) and how last week's episode tied into this. We touch on how and why this might be happen and give you a resource to listen to if you want to learn more about cryptocurrencies.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 22 - How An All Black Can Rig The Stockmarket (Legally)

Wed, 02 Jun 2021 19:00:03 GMT

The title is clickbait of course but it is somewhat true. People with large amounts of attention can influence how much money flows toward something. Think influencers? They work right? We talk about how if you can spot this, you may be able to use this to your advantage.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 21 - Guaranteed 100% and 50% Gains

Tue, 01 Jun 2021 19:00:14 GMT

Kiwisaver. Our first look at this big beast that is Kiwisaver. There is a lot of information online about Kiwisaver and we always suggest getting a good understanding of the basics. Kiwisaver gives us the option to take guaranteed 50% and 100% gains - we look at how.

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Money Mail 20 - You're About To Get Taxed

Mon, 31 May 2021 19:00:04 GMT

Are taxes going to go up? For people earning over $180,000 there is a new tax bracket for you. That is only 2% of income earners. We look at whether this will be enough to pay down some of the debt that we have racked up as a nation. There is no point in hating on these high-income earners either - that doesn't help us.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 19 - Do You Know What Week It Is?

Mon, 31 May 2021 00:20:26 GMT

Mental Health Awareness week. A very important week. Did you know that a very high percentage of people facing mental health challenges say that financial pressure makes their problems worse? We dive into what we can do to look after ourselves when it comes to finances and how we can look after others too.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 18 - Zero Of These People Make It To The Rich List

Thu, 27 May 2021 23:33:42 GMT

We take a look at the traditional borrow mentality we get taught. Degree, payday to payday, phone, car, house, ring, boat. What if we borrowed someone else's methodology? Who could be looking to for advice? First, we need to identify what things we want from life and then figure out the pathway to go on.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 17 - I Am Sick Of All These Stock 'Tips'

Wed, 26 May 2021 21:00:07 GMT

Cannabis this, tech that, start up this, secret insight that. It goes on and on. Everyone has a stock tip at the moment and it's hard to know who to listen to or even if it's worth it. We look at Exchange Traded Funds and how they work. Keep it simple!

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Money Mail 16 - Get Your Hand Off It

Tue, 25 May 2021 21:27:52 GMT

Yup you read that correctly. Get your hand off it. You've probably heard that a few times. It's you not touching your savings. More specifically your rainy day account that builds up to give you a level of confidence should an unexpected bill come out of nowhere.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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Money Mail 15 - The Most Boring Gift Ever...

Mon, 24 May 2021 21:17:16 GMT

The week I became an Uncle. Did I send my Sister a brilliant jumpsuit for my Nephew? Nope. He got a really boring gift the poor wee fella. But maybe, just maybe this could be the gift that keeps on giving. Find out what we are talking about in this episode.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 14 - What Happens To A Bubble?

Sun, 23 May 2021 21:26:25 GMT

Usually, they pop right? We take a look at the level of debt in the economy and how that works. Where does it all go and where did it all come from? Financial asset prices are bubbling and it's because there is so much money in the system. In this episode, we try and break down how that works in plain English anyone can understand.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
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Money Mail 13 - How To Turn One House Into Two...Legally

Thu, 20 May 2021 09:00:02 GMT

Leverage. The big L word that isn't Love but Kiwis Love. It's how many home owners buy a second home without paying any money down. Say what? Tune in to find out how to buy a second home using your first one. Then rent it out and have the tenants repay the debt and expenses.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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BONUS! Buckle Up The Economy Is Shaky | 100% Must Listen

Thu, 20 May 2021 08:55:04 GMT

A bonus episode when it gets shaky out there in the economy and on the share market. What would it be like to avoid getting scared by the emotional ups and downs of a shaky market? We find out what we can listen to, to help us learn how to handle a stock downturn.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

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Money Mail 12 - Free Money 'everyone' Gets

Thu, 20 May 2021 08:50:07 GMT

The pension. What is it and who can get it? We look at New Zealands favourite form of passive income in this episode. Is it enough to retire on? Find out when tuning in to this week's podcast.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
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BONUS! Turning $1k Into $200k | Discpline

Thu, 20 May 2021 08:45:08 GMT

The ole 'back in the day' story when we bought A2 Milk shares for ten cents. Yup, ten cents. Unfortunately, we sold out early and didn't wait for them to crack $20 like others did. Find out why discipline and having an end goal is so important in this bonus episode.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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Money Mail 11 - REVEALED | Is Passive Income Real?

Thu, 20 May 2021 08:40:11 GMT

Passive income; income that requires little to no effort to earn or maintain - sign me up! But beware, passive income streams still require a lot of hard work and effort to be put into place, lets chat about it.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
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Money Mail 10 - More Money For You?

Thu, 20 May 2021 08:35:13 GMT

In this episode, we discuss ways of generating more income besides asking for a pay rise. With 1 in 3 people having a side hustle is it the best way to get ahead financially?

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
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Money Mail 9 - Two Jobs, Double Tax? WRONG!

Thu, 20 May 2021 08:30:14 GMT

In this episode we are busting some tax myths! If you have ever turned down work because you're scared of secondary tax then this one is for you. Spoiler - there is no such thing as double tax.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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Money Mail 8 - Sorry...But Do You Know My Ex?

Thu, 20 May 2021 08:25:15 GMT

We've all had that one pesky ex that just won't leave us alone (Yikes!). In this episode, we discuss making the decision to cut all ties to being broke and start making decisions that is going to serve you and get you out of your current bad financial situation.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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Money Mail 7 - Month End - The Process

Thu, 20 May 2021 08:20:18 GMT

The month-end process shouldn't just be used by businesses! In this episode, we discuss how consistently implementing the month-end process of reviewing your assets, liabilities, and financial position will help you track your progress and get ahead financially.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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Money Mail 6 - Take Me To Tax School

Thu, 20 May 2021 08:15:20 GMT

We're heading back to school to learn about tax! Unfortunately, this episode doesn't involve a lunch break. In this episode, we correct a common misconception about tax and explain how the progressive tax scale works in New Zealand works.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

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@keepthechange_nz
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Money Mail 5 - Earning Six Figures

Thu, 20 May 2021 08:10:03 GMT

Six figure income! The ultimate goal for many people, but only 1 in 10 kiwis actually make over $100k each year. Let's have a breakdown of what earning $100,000 could look like and discuss what mindset you should adopt regardless of the amount of income you earn.

"Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/"

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Money Mail 4 - Average Kiwi Income

Thu, 20 May 2021 08:05:06 GMT

In this episode, we get a breakdown of the average kiwi income and what that could look like if you were earning that amount. Spoiler alert: It's pretty average! Would it be enough to make you happy or do you aspire to have more for yourself? Does aspiring to have more make you a greedy a$$hole? Let's chat about it.

"Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
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Money Mail 3 - To Save Or Not To Save?

Thu, 20 May 2021 08:00:08 GMT

Now that you've done your budget and know how much you can afford to save, we are discussing if saving is worthwhile in the current climate. Low interest rates, inflation, and building consistent habits are some of the topics covered in this episode.

"Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.

Find us here:
@keepthechange_nz
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Money Mail 2 - Budgeting Is Boring?

Wed, 19 May 2021 08:01:05 GMT

It's time to take some action... we're talking about budgets! Boring? Maybe. But, we promise that this 30-minute activity is something you won't regret. Having a crack at our budget and financial position template (see Money Mail 2) is the first step to taking charge of your financial position and getting ahead.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.Co.Nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand- let’s get on with it.

Find us here:
@keepthechange_nz
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Money Mail 1 - Intro | Rich A$$holes

Tue, 18 May 2021 08:01:00 GMT

Welcome to the Keep The Change podcast! An audio deep dive into each of the Money Mail lessons. We kick things off with Luke sharing the story of how "Keep The Change" came to be and we start to challenge the status quo of negative money mindsets to get you thinking about how you view money.

Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand- let’s get on with it.

Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/

Hosted on Acast. See acast.com/privacy for more information.