Keep The Change

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.

Last year, I said the new government was going to have a hard time balancing the books. Why? Because they always do. Fast-forward to Budget 2025, and the numbers are in as are some major changes. Let’s breakdown a couple of the goodies….KiwiSaver changes: FINALLY! A push to save more. Investment Boost: telling businesses to 'get on with it'. What does this all mean for you?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Ever wondered how to juggle running a thriving 7-figure business, elite-level sport, and family life all at once? That’s above my pay grade but not this guests. Meet Janelle Cavanagh from Withers & Co. business owner, sub-4-hour marathoner, MVP of the 2019 Touch Rugby World Cup, and proud member of Canterbury Touch’s “Legend Club”. Beyond the accolades, Janelle is also a dedicated mother of a 3-year-old boy and stepmother of two teenage girls.In this candid conversation, Janelle opens up about:How lessons from elite sport translate into building a successful business.The realities of balancing motherhood, entrepreneurship, and athletic ambition.Finding time for personal passions like travel and reading amidst a busy life.Her mindset secrets for consistently high performance in sport, business, and at home.How she viewed money during her upbringing and what that means for her current life choices.If you want insights on achieving success in multiple areas without burning out, Janelle’s story will inspire you to redefine what’s possible.Find Janelle here: https://www.withersandco.nzGenerate 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 first edition went out on the 22nd of May 2020. 201 of you signed up. Mostly my mates or people I know. Today, it is quite surreal to say that tens of thousands of people read and listen each week across email, podcast and socials. That’s 260+ weeks of showing up. Of writing. Of thinking. Of reminding you (and myself) that we can take control of our finances, our thinking, and our future. So where to from here?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

He’s Helped 2,500 builders Achieve Financial Freedom & Control with Marti AmosEver wondered why some builders thrive while others constantly struggle with stress, finances, and chaos?In this episode, we’re joined by Marti Amos, founder of The Professional Builder (TPB), a global coaching company dedicated to transforming residential builders into profitable, systemised businesses.Marti shares his own incredible journey from humble beginnings on Stewart Island, through multiple businesses, financial setbacks, and life-changing lessons to now building TPB into a global success that’s helped over 2,500 builders achieve genuine financial freedom and control.Listen in to discover:The key mindset shift every tradesperson must make to become a successful business owner.Three crucial areas builders often get wrong (and how to fix them): systems & team, sales & marketing, and pricing & numbers.The importance of building a predictable pipeline to secure work months in advance.Practical strategies for creating systems that remove stress and bring clarity to your business.How Marti bounced back from near-bankruptcy to build a global coaching brand.If you’re tired of the daily grind and ready to take your trade business to the next level, this conversation with Marti Amos provides actionable insights and a clear roadmap to help you build more than just houses and build true wealth and freedom.Ready to stop working IN your business and start working ON it? This episode is for you.How to find The Professional Builder: https://theprofessionalbuilder.com/Download TPB's Resource: 151 Ways To Make An Extra $500 - $1000 Per Project, Per Week For Your Construction Company https://info.theprofessionalbuilder.com/151ways?utm_source=ktc&utm_medium=partner&utm_campaign=KTC&utm_term=KTC&utm_content=KTCMarti's giving away 100 free books to KTC listeners (limited time), get your book here: https://profitablebuilderbook.com/get-the-book Hosted on Acast. See acast.com/privacy for more information.

I ended up venturing into a large department store for the first time in ages. DIY and home improvement aren’t exactly my forte, so I don’t have too much reason to go into these stores. But walking into that store was an eye-opener. I was blown away by the sheer volume of things you could buy for your home. I started jotting down some of the wildest items I saw, but you probably already know Luke and to save you the punishment, my two favourites were hot water bottles for your neck and ribs (ideal if you’ve just spent $4,000 on a smoker next to the meat fridge).Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Shula Newland is the founder of FULL Balance Financial Coaching and we sit down to unpack what true financial empowerment looks like. Shula’s journey to independent financial coach started with a knack for saving and a desire to help others take control of their money. Now, she’s helped over a thousand Kiwi reduce debt, build savings, and take back control of their financial future without selling a single product. We talk practical budgeting, financial hardship, debt stress, how to plan for life’s curveballs, and why your money should reflect your values. Whether you're living paycheck to paycheck or just want to get ahead faster, this episode will show you how financial coaching can change your life.Don’t forget to explore your Money Personality: https://fullbalance.co.nz/money-quiz-saving-money-feelings-aboutHow to find Shula: https://fullbalance.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.

May 2025 marks 20 years since I purchased my first share. I was fortunate enough to start learning about the stock market at high school. At 16 I got Mum to co-approve a share account for me and bought my first stocks. I bought 520 Auckland International Airport shares for $1.94. Here's what I have seen and learnt in that 20 years. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

At just 13, Max Tebbs started cleaning cars to fundraise for refugees. Today, the 18year old runs Clean Car Collective, Wellington’s leading car detailing business with a full studio, mobile fleet, and over 125 five-star reviews.In this episode, Max shares how he turned a side hustle into a thriving company (including signing a lease at 17) and how he’s balancing business growth with his personal journey toward financial independence. Max’s story is a great reminder that you don’t need to wait for permission to build something meaningful and that smart financial thinking can start at any age…even at 13!We cover: • Scaling from solo operator to team leader • Smart money moves for young entrepreneurs • Marketing lessons (and early mistakes) • Wild stories from working on high-end carsHow young people are thinking differently about money today • Why “burnout” needs to be explored not just acceptedIf you're building your own thing, thinking about your future finances, or just love a good underdog story, this one’s for you.Max business: https://cleancarcollective.co.nz LinkedIn: https://www.linkedin.com/in/max-tebbs-011468253/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. Hosted on Acast. See acast.com/privacy for more information.

With access to debt being so easy, we can all access more than we can truly afford, ahead of time. This is how a debt-based system works. These days, you can finance almost anything. But what about when we take on more than we can really handle? How do we navigate this and be realistic with it? Let's explore!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Tired of seeing Keep The Change and nextAdvisory everywhere? Blame Roimata. She’s the person behind the execution of a lot of the marketing ideas I have for my ventures and helps me get in front of more people so that we can change the wealth of the nation. Roimata founded Burst Digital in 2023. A marketing agency built to do good, not just look good. With over 11 years of experience and a track record of helping 250+ businesses generate millions in revenue throughout her career, Roimata now helps business owners simplify their digital strategy, attract more customers, and build sustainable growth.In this episode, we dive into:Her journey to hiringWhy most marketing advice isn’t built for real businessesHow to stop relying on hope and start using proven systemsThe biggest mistakes businesses make when it comes to ads, content, and funnelsWhat it actually takes to scale without burning outRoimata’s insights and inspiration might just be the shift you need.How to find Roi: https://www.burstdigital.co.nz📸 Instagram: @roimatamarketing @burstdigitalnz🎙 Podcast: Morning MarketerI 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.

The IRD could very easily write to AirBNB (or similar) and ask for a list of users. Same thing for people who have lodged a bond or listed a room for rent on Trade Me. Then they could cross-check this to a tax return to see if there is a form of rental income in it. In New Zealand, we have a responsibility to report our own forms of income. This should serve as a reminder for those of you who are renting out your property, AirBNBing it or getting a tenant in that you may want to be across the tax obligations and ensure you’re compliant.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

From the neon nights of Tokyo to the freedom tech of tomorrow, Cody Ellingham is on a mission to reimagine how we see the world and how we value it. A Kiwi creative now based in Japan, Cody blends photography, storytelling, and Bitcoin thinking to explore the shifting landscapes of money, cities, and human freedom. In this episode, we dive into his journey through art, his popular podcast The Transformation of Value, and why he believes Bitcoin is more than money, it's a mindset. Whether you're a Bitcoiner, a creative, or just curious about what happened to money, this conversation will expand the way you see value in the world around you.These thoughts and opinions are Cody’s and none of this is intended to be financial advice.How to find Cody: https://codyellingham.comI 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.

Apparently, in Formula 1, 'Push mode' refers to a temporary engine or battery setting that allows a driver to maximise performance for a short period, typically to overtake a rival, defend a position, or set a fast lap. We can activate push mode when we need to, but a lot of the time we don't even know we are capable of it. What if we challened ourselves to activate it and use it to get furhter ahead?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

From dropping out of school at 16, buying her first property at 18 to building a business for sale, Amy Po-Ching knows what it takes to succeed in property, business & life.Amy is an award winning financial adviser, mortgage broker, and founder of Property IQ, Amy has helped thousands of Kiwis get into their first home, grow investment portfolios, and unlock financial freedom.She has built a business, been broke and sold a business only to retire and find it boring. Her mission is to now help Kiwi people put financial plans together. Before investing in anything, it starts with why? Amy is on a mission to help her clients answer this question.In this episode, Amy shares the lessons from her 20+ years in the market, her advice for first-home buyers and investors, and why she believes anyone can build wealth with the right mindset and strategy. If you want to get serious about property, this one’s a must-listen.How to find Amy: https://propertyiq.org.nz/Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

I read an article recently about a company who owed over half a million dollars to the IRD and was now unable to pay. I checked the companies office, which is a register of all companies in NZ, and this company has been put into liquidation by one of the shareholders. Days later the same shareholders and directors had a new company under a different name and that would start with $0 in tax owing to the IRD. Say what? How dos this work? Let's find out.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Ever wondered how to tap into the lucrative world of commercial real estate but weren't sure how or where to start? In this episode, we chat with the team behind Rethink Investing New Zealand, the country's premier commercial property buyer's agency.With over $5 billion in successful transactions and thousands of happy investors across Australia, Rethink Investing have got their sights set on helping New Zealanders. They specialise in helping everyday investors secure high-yielding commercial properties, often off-market, before others even get a look in.In this podcast, we sit down with Scott and explore:The hidden advantages of commercial property investingHow they access exclusive off-market property dealsEssential strategies for due diligence and negotiationsReal-life success stories from Kiwi investors growing their wealthWhy having a dedicated buyer’s agent can transform your investment resultsScott turned his early ambitions into a property empire worth over $110 million. Tune in to find out how it all started and what he is doing now.If you’re ready to level up your property game and achieve financial freedom through strategic commercial investing, tune in and rethink what's possible with your investments. Even if you might not be ready for this now, it doesn’t mean you can’t learn. Find Rethink here: https://www.rethinkinvesting.co.nz/Their Knowledge Hub: https://www.rethinkinvesting.co.nz/knowledge-hubTheir Podcast: https://www.rethinkinvesting.com.au/podcastsGenerate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.As always, no part of this podcast is intended as financial advice; it is intended as general information only. Hosted on Acast. See acast.com/privacy for more information.

1 in 2 business owners in New Zealand are over 50. This is according to CPA Australia's Asia-Pacific Small Business Survey. Compared to NZ, the Asia-Pacific average is against a survey average of 28% New Zealand has around 546,000 small businesses, which represent 97% of all firms in the country. These small businesses are a massive part of the economy, contributing significantly to employment and the gross domestic product (GDP). So what is going to happen as these business owners get older?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

After sparking massive engagement on social media this week about pet emergency funds and pet insurance, this podcast wraps up the convo and gets us thinking. We know you love your pussy and pooch like family but what happens when unexpected vet bills arise? Is pet insurance a waste of money? Is the pet industry going to boom?Discover why having an emergency fund could save both your furry friend and your finances, learn how pet insurance really works, and hear powerful insights inspired by over 200 passionate DMs from pet owners.Have fun 🫡 Hosted on Acast. See acast.com/privacy for more information.

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

If your personal finances were a business, would you be turning a profit, or running into debt? The new financial year (starting 1 April every year) is the perfect time to reset, audit, and plan ahead. In this episode, we’re tackling everything from cutting unnecessary expenses and boosting income to smarter investing and setting financial goals that actually stick.Whether you want to get out of debt, grow your wealth, or feel more in control of your money, this episode will give you the tools to build real financial momentum. A good reminder for some of you and a great starting point for others of you. Audit your finances – Where did your money go last year?Cut the waste – Subscription traps, unnecessary spending & better deals.Increase your income – Pay raises, side hustles & new opportunities.Set a winning financial plan – Budget smarter without feeling restricted.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.

I recently came across a video where someone shared their frustration and exhaustion over the rising cost of living. The video highlighted that those earning above the median income are struggling too, and the situation is worse for those earning less. “I’m working harder than ever, but I’ve got less to show for it.” This isn’t just one or two people feeling this way. There were thousands of comments. What the hell is going on?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 is the audio from a recent YouTube video that you might find interesting.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Why does having money sometimes feel more stressful than not having it? In this episode, we explore the fear, uncertainty, and pressure that can come with receiving a lump sum of cash or more than we once expected to have.From the anxiety of making the "right" investment to the deeper mindset challenges around wealth, we unpack why money feels like a burden and how to shift that perspective. This topic came from 2 people who recently said that they are ‘scared’ of money they are about to have. We’ll dive into personal stories, the psychology of financial confidence, and practical steps for managing money wisely. Whether you’ve come into unexpected wealth or just want to improve your relationship with money, this conversation is designed to get you thinking.Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 recently asked 500 people whether dividends were a capital gain. Have a think about that answer. 30% think that they are. A reminder that dividends are a form of payment from a company's profits. Dividend - a sum of money paid by a company to its shareholders out of its profits (or reserves). One of the benefits of investing is that you get to learn more about how finance works. You start to learn the language of shares, dividends, imputation credits, taxes, realised vs unrealised etc.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 week, I had the privilege of returning to my old high school to speak at assembly. I wanted to share some key lessons from my speaking journey so far and insights that might help you as well. I’ll also touch on some of the messages I shared with the young lads. Hopefully, you’ll find some inspiration in this episode too.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 is the audio from a recent YouTube video that you might find interesting.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 man knows how to get attention and turn it into serious business growth. In just 6 years, Stanley Henry has built The Attention Seeker from 0 to 40+ staff and isn’t slowing down. They work with some of the biggest names in the game and hit millions of eyeballs every week with their content. In this episode, we dive into why your personal brand isn’t optional anymore and how ignoring it is costing you opportunities. Whether you are starting out in business, employed or wanting people to see your idea, this is for you. We explore…🔹 What’s stopping most people from posting (and how to get over it) 🔹 Why business owners, professionals & entrepreneurs need a brand 🔹 The mindset shift that helped Stanley scale so fast 🔹 What’s next for him and how he’s thinking even biggerThis isn’t just theory or for business owners only, it’s inspiration with a game plan. If you want to stand out, grow, and unlock new opportunities, this episode is a must-listen.Find Stanley here: https://www.linkedin.com/in/stanleychenry/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.

If you did your February 2025 month end, you might have noticed something…your net worth may have taken a hit? Mine certainly did (and it wasn’t just the trip to Vegas…). But before you start spiraling, let’s talk about what’s really going on. Markets have been about as stable as a three-legged chair lately. Stocks? Down. Crypto? Unpredictable as ever. 'The Magnificent 7'? Shaky as. Houses? Not doing much. KiwiSaver? We've had a good run but are now impacted by global issues. If it feels like everything you own has taken a dive, you’re not imagining it. A lot of portfolios are looking a little worse for wear right now.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.