Keep The Change

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.

The property market has been flat for some time and many people are hurting with the fact that they bought poorly in the peak. Tama is seeing this frustration in his DM’s. In this episode, we sit down with Tama Singh, a Kiwi property coach with over 200 deals done. This is his third time on the podcast so we find out whats changed, how many flips he has done and what he is seeing in the market. We talk strategy, mindset, weakness, AI content, and how everyday Kiwis are still flipping, investing, and cash flowing their way to long-term wealth.Tama has helped hundreds of people unlock profitable opportunities in the NZ property market through his seminars, 1:1 mentoring, and the InvestorPro app. Whether you're a first-time investor, first home buyer or ready to level up your portfolio, this episode breaks down what it takes to win in today’s market.We cover:The biggest mistakes current investors makeHow to find deals that actually make senseCommon traps first-time buyers fall intoThe power of coaching and communityWhy education is your biggest investmentReal-world stories of everyday people changing their lives through propertyIf you want practical, no-fluff insights from someone who’s walked the walk, Tama brings the goods.How to find Tama: https://tamasingh.comInvestor Pro: https://investorpro.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 generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

Maybe, like me, you’ll decide that if the current system isn’t enough, it’s time to take matters into your own hands. From there, if you feel strongly enough about this, campaign for further change too. Put your own bloody life jacket on first. I get it, the economy is tough and the cost of living sucks, but there will always be something demanding your dollars. It’s not about perfect timing. It’s about progress. Let's get it done!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 my Mum to unpack the money lessons that shaped her (and maybe me!), personally and financially. I learn plenty including a surprise that she manages 11 bank accounts and I ask her why! From childhood jobs and frugal habits to navigating tough times and celebrating financial wins, Mum shares the stories, values, and moments that defined her relationship with money. We look at how I’ve adopted some of these and put my own spin on them.We dive into some sage Baby Boomer advice and what she wish she knew about money. There is plenty in here on hardships & resilience: facing financial challenges head‑on. Tune in to hear a moving blend of nostalgia, insight, and practical wisdom passed down across generations. Whether you’re building your own financial journey or reflecting on your family’s money stories, this episode will get you thinking and questioning where your money beliefs came from. 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.

Note: this is the same podcast we recently released, but without the swearing bleeped out due to popular requestStrap yourself in because today we sit down with mental performance coach David Niethe, author of the book The Winning Mindset. Weightlifters, Lydia Ko, Israel Adesanya, Olympians, Millionaires - just a sample of Dave’s clientele. Together, we explore how the same mental tools used by elite athletes and performers can be applied to our lives and finances. From overcoming self-doubt to building discipline with your dollars, this episode dives into the psychology of success, not just on the field or stage, but in your wallet. Whether you’re stuck, chasing your potential or just hungry to learn, David shares insights that will help you sharpen your mindset and shift your life for good.And finally, how do we all stay calm under pressure? Let’s find out.Find Dave: https://davidniethecoach.comFind Dave’s Book: https://taplink.cc/winningmindsetGenerate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

It’s often said with confidence, like ‘duhhh how do you not know this?’. But where did this saying come from and does it even make sense anymore? I get it, it sounds comforting. Sensible. Even savvy. Like you’ve got it all figured out. But it's another financial throwaway line that hides a much harder truth: owning a home doesn’t guarantee financial security in retirement. Let's get real for a second and see how sound this saying is.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Paul Quickenden, Chief Commercial Officer at Easy Crypto is back on the podcast and we explore the dynamic world of cryptocurrency in 2025. Easy Crypto recently sold too so we will find out what that is about and where to next. We delve into:Bitcoin's Evolution: is Bitcoin transitioning from a volatile asset to a more stable investment option, potentially becoming the 'new boring' in the investment landscape?Other Crypto Options: The rise and impact of meme coins, and what they signify for the future of digital assets.Where To Go To Lean: Identifying common places other people are using to learn more about the crypto world.With over 250,000 users in New Zealand, Easy Crypto has been at the forefront of making cryptocurrency accessible and secure. Paul brings a wealth of experience from his roles in blockchain consulting and product strategy, offering a unique perspective on the current and future state of crypto.Whether you're a seasoned investor or new to the crypto scene, this conversation will provide valuable insights into the trends shaping the digital currency landscape today and beyond.How to find Paul: https://www.linkedin.com/in/paulquickenden/?originalSubdomain=nzHow to find Easy Crypto: https://easycrypto.com/nzAs always, no part of this podcast is intended as financial advice; it is intended as general information only.Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

Strap yourself in because today we sit down with mental performance coach David Niethe, author of the book The Winning Mindset. Weightlifters, Lydia Ko, Israel Adesanya, Olympians, Millionaires - just a sample of Dave’s clientele. Together, we explore how the same mental tools used by elite athletes and performers can be applied to our lives and finances. From overcoming self-doubt to building discipline with your dollars, this episode dives into the psychology of success, not just on the field or stage, but in your wallet. Whether you’re stuck, chasing your potential or just hungry to learn, David shares insights that will help you sharpen your mindset and shift your life for good.And finally, how do we all stay calm under pressure? Let’s find out.Find Dave: https://davidniethecoach.comFind Dave’s Book: https://taplink.cc/winningmindsetGenerate 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.

An Instagram live with Mikey to brainstorm some ways to make more money and what gets in our way when really it is so much simpler than we realise.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 had many hard working roles when I grew up. BUT I noticed something…if I did overtime or worked public holidays, I’d earn 1.5x or 2x. That got me thinking: why am I suddenly worth double for doing the same job? Eventually, I learned something that changed my life: you’re not paid for the hour, you’re paid for the value you bring to the hour. That’s a confronting idea and we need to explore it.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Some Kiwis are waking up to a different way to build their property portfolio: rent-vesting. Blasphemy you say? Or maybe just a fad?In this episode, Ilse joins us to unpack how renting where you want to live and investing where the numbers make sense can supercharge your wealth without sacrificing lifestyle.We dive into:– How to use location arbitrage to your advantage– Adding value in a market with no capital growth– Ways to maintain borrowing power and scale strategically– What she is seeing in the property market around the countryThis is a must-listen for anyone thinking about rent-vesting or wanting to invest in property during their life.Find Ilse: https://www.wolfeproperty.co.nz/I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to https://generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

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

We are all familiar with the saying Keeping Up With The Joneses. BUT there’s been a BIG change. The Joneses got rich. And you know what they are doing with it? They started passing it on. The bank of Mum and Dad is now said to be the 5th biggest lender in New Zealand. And here you are. No Mr or Mrs Jones backing your big moves. But unfortunately, here you also are: comparing yourself to your mates who have had the benefit of the bank of Mum and Dad. Let's explore the danger of this comparison.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Stuck at the top of the teaching pay scale, stretched with a young family, and watching inflation outpace his income, Fraser Kilgour made a bold move. He left his secure government job to jump into the world of real estate. Backed by nothing more than a strong work ethic, an amazing wife, a leveraged property portfolio, and a desire for more.In this episode, Fraser shares:What it’s like to walk away from a “safe” careerThe mindset shift needed to pursue higher incomeHow he navigated the early challenges of real estateThe difference it’s made for his family and futureThis is a story for anyone feeling stuck, underpaid, or wondering “Is this it?” Sometimes the risk isn’t in leaving, it’s in staying.If you need to find Fraser, do that here: https://www.lugtons.co.nz/teammembers/fraser-kilgour/Instagram: https://www.instagram.com/fraserkilgour_realestateI 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.

WTF are 'green shoots' that we keep hearing about? It seems like the latest catchy economic term. Green shoots are defined as ‘signs of recovery or growth’. I like the idea of better days coming. I love the idea of ensuring that better days are coming. I recently saw a line about how Kiwi are...‘’looking for green shoots to build confidence…’’. Well, I went looking for some, and I found some for you.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

We take a big-picture look at the New Zealand property market and where things might be heading in 2025. Are prices set to rise again or are people just hopeful? We explore where property sits in the wider economic cycle, what trends are emerging, and how AI, robots and technology could reshape how we view the value of property in the future. If you’re investing, waiting, or just curious, this one’s for you.This podcast features Mikey Smith of https://guardiansmith.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.

You've probably seen the headlines: "AI set to take hundreds of thousands of jobs!" I saw a tech CEO say 1 in 2 entry level jobs could disappear, and we could see 10% to 20% unemployment due to AI. I am certainly starting to hear more about this in my DMs too. While the disruption is real, and I accept that, so is our ability to prepare financially. I put my brain to it and came up with some practical steps to "AI-proof" your financial future:Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

We are about to find out because today on the podcast, we’ve got an incredible guest who turned a tiny idea into a huge business…all before turning 23!When Iyia Liu was 21, she bought something cool online called a waist trainer it's and thought, “Hey, if I like this, maybe other girls will too!” So she used her savings (just $6,000) to buy a few and sell them online. At first, she just hoped to sell ten a week. But her idea exploded.In just one year, Iyia sold over $3.5 million worth of waist trainers. All of this from her bedroom! She even paid celebrity, Kylie Jenner, to wear one in a photo. That one picture cost her $300,000…and it worked!Since then, Iyia has started more businesses, hired staff, sold to people in over 90 countries, and even bought her dream car, a Mercedes G-Wagon.But what makes her story so powerful isn’t just the money, it's the mindset. Iyia shows us that you don’t need to wait until you’re older, richer, or smarter. You just need to start even if it’s from your bedroom.Let’s explore what she is working on now.Find Iyia - Make It Happen: https://www.makeithappen.org.nzInstagram: https://www.instagram.com/iyialiu/?hl=enGenerate 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.

The ‘paying their fair share’ slogan is a goodie as no one can define ‘fair share’. Anyway, interestingly, I overheard a story where a pensioner receiving superannuation had a flatmate in their sleep-out (not a boarder, but they’ll probably see it as a boarder (different tax rules) and they ask to be paid that rent in cash. Why would they do this? My mind went to probably avoiding declaring it and therefore paying tax on it. Many everyday Kiwi cheekily bend the rules too. Sometimes it’s intentional. But often, it’s just a lack of understanding. 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This podcast was first released in December 2023 and has been an all-time favorite podcast from the audience. If you missed it, this could be worth tuning into. Mikey comes in all guns blazing around why everybody needs to experience the hunting season, and no we ain't talking about knocking over a couple of deers or goats. In this podcast we will explore what a hinting season is and how 18-36 months of your time could change your life projection. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

He’s back! We finally tracked him down and ask him what he is seeing out there. In this episode, Mikey Smith (mortgage advisor & CEO of Guardian Smith) joins us to unpack the current state of the New Zealand economy. We dive into the key changes from the recent Budget, what’s happening in the mortgage and housing market, and the bigger picture of where we’re at in the economic cycle. Are we past the worst of it? Could things start to pick up in late 2025? We bloody well hope so!Get real insights from the ground and a clear-eyed take on what’s shaping the future for Kiwis.Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

5 years ago I went live on Instagram warning people about what 'free' money could mean. 5 Years on I go live to share what I think we've seen happen.New Zealand's economy has fundamentally changed and won't revert to how things were. In this video, we explore how to adjust to these economic shifts, emphasizing the importance of controlling your own income. We discuss the current economic climate, the impact of inflation and rising property prices, and practical strategies to increase your earning potential. Discover why "skills pay the bills," and learn actionable tips for navigating uncertainty, leveraging opportunities, and staying ahead despite economic challenges.1. Economic Landscape Has Changed: NZ economy won't return to pre-pandemic norms. Current environment remains challenging, despite expectations of improvement by 2025. Interest rates peaked and are slowly declining, but economic recovery is gradual.2. Economic Lessons from the Pandemic:Pandemic showed economy's resilience due to digital solutions (Shopify, online stores, remote working).Revealed that the economy shifted significantly towards digital and skills-based sectors.3. Inflation and Housing:Wage growth projected at 2.6%, while housing prices expected to grow at 6% annually.Imbalance between wage growth and property inflation highlights a fundamental economic issue.People are leaving for better economic opportunities overseas (e.g., Australia).4. Importance of Controlling Your Income:Relying solely on wages won't keep pace with inflation or asset growth.Increasing your income through skills is essential ("skills pay the bills").Government budget and policy won't significantly boost wages or ease pressures soon.5. Examples of Increasing Income:Examples include car cleaning, photography services, and value-added services for older, wealthier demographics who value convenience.Side hustles, skills-based work, and entrepreneurship can significantly boost income.The key is identifying what people value and are willing to pay for.6. Leveraging the Flow of Money:Position yourself near economic activities (e.g., sports events, community activities) to capture money flows.Identify niches and areas where spending is consistent, even in economic downturns.7. Personal Wellbeing:Prioritise mental and physical health for sustained success and resilience.Maintain self-care routines to navigate economic and personal challenges.8. AI and Technological Disruption:AI and technology will disrupt traditional jobs; prepare by diversifying skills and income sources.Government hasn't effectively addressed AI's economic impact; individuals must adapt proactively.9. Practical Resources:Keep the Change podcast episodes and webinars offer practical advice (e.g., increasing income by \$10k, managing finances).Encouragement to use available free resources to educate yourself. Hosted on Acast. See acast.com/privacy for more information.