Keep The Change

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!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

’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…Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

"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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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 ChecklistHey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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...Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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 exploreHey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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 exploreHey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.