Keep The Change

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 JaredLinkedin: 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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924I 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.

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

"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.nzAmy 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 : [email protected] Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924Generate 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.

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

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 OhWebsite: https://www.thinkplando.co.nz Email: [email protected]: 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 : [email protected] Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924Generate 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.

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

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 : [email protected] Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924I 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.

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

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 EmilyEmail: [email protected]: https://linkedin.com/in/emily-silby-a5181290Amy 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 : [email protected] Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924I 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.

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

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 RobertEmail: [email protected]: https://nz.movember.comAmy 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 : [email protected] Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924I 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.

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

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_growWebsite: http://sustainagrow.co.nz (https://www.sustainagrow.co.nz/)Country calendar feature: https://youtu.be/O1Q_93OedLY?feature=sharedAmy 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 : [email protected] Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924Generate 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.

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 futureAs 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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924Generate 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.

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/3925924I 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://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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nz Hosted on Acast. See acast.com/privacy for more information.

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

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/buyingWebsite: https://nextadvisory.nzLinkedIn: 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/3925924I 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://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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nz Hosted on Acast. See acast.com/privacy for more information.

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

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 moneyThe 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” mindsetThe biggest money myths young Kiwis still believeMy own journey from paper runs and student jobs to financial freedomHonest answers to students’ toughest questions about careers, failure, and finding your strengthsBook Luke for speaking here: https://www.lukekemeys.com/ Hosted on Acast. See acast.com/privacy for more information.

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 haveIf 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-clementsEmail: [email protected] tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924I 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.__________________________________________________________________________________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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nz Hosted on Acast. See acast.com/privacy for more information.

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

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.

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 & HnryInstagram: 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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nz Hosted on Acast. See acast.com/privacy for more information.

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/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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nz Hosted on Acast. See acast.com/privacy for more information.

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.

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 GenerateThe 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 overvaluedActive vs passive investing: what’s the difference, and why it matters for KiwiSaver membersThe growing debate on compulsory superannuation in New ZealandIf 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.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: [email protected] 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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nz Hosted on Acast. See acast.com/privacy for more information.

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.

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

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/@najibrealestate929Website: 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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzI 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.

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.

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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzI 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.

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/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://generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

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.

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

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 2028Why the $260 government contribution cut actually makes you better offRetirement costs: $99-$1,031 per week depending on lifestyle and locationWhy NZ Super probably won't exist when you retireGenerate members vs industry averages (the results will shock you)The value of getting proper Kiwi Saver adviceHow much you actually need by age 30, 40, 50, and 65Why using Kiwi Saver for your first home might be a mistakeI 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.

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 ownershipThis 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.venturesGenerate 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.

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.

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!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.

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.

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 elseThe real cost of not having emergency money (hint: it's not just financial)How to calculate your actual emergency fund targetWhy revolving credits sound good but usually backfireThe tools that actually work to build your fundWe 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. Hosted on Acast. See acast.com/privacy for more information.

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

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.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.

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

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/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://generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

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

Unemployment Hits 5.2% 400,000 Kiwi Want More WorkWe’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.  Hosted on Acast. See acast.com/privacy for more information.

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.nzInstagram: https://www.instagram.com/dosh_new_zealandI 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 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.

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

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/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 generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

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