Keep The Change

Brands are about to bombard us with 12 days of Christmas chat. Some have probably already started, but apparently the 12 days are actually from the 25th December to the 6th January. But what about our own 12 days? Today we are looking at how we can push ourselves to find our own 12 days of Christmas. How can we improve our finances each day for 12 days? Setting us up well for the festive season and 2025. I will get you set for a prosperous 2025 with these 12 actions.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 a re-release of an earlier podcast that other listeners have found very useful.Last week we discussed the fact that the economy is highly likely to now be in a recession. There is no ‘growth’ and it is contracting. I’ve seen social media comments about the economy going backward and that means that people feel less hope about their future. My question is, did you measure yours? Yeah, your economy? That’s a great economy to be more concerned with.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.

The World Economic Forum, the country is cooked, the dollar is going to zero, capitalism doesn’t work, we need a capital gains tax….we’ve all heard these things online or from our mates. Now what? What are these people actually doing with this information? Are you going down deep deep rabbit holes to convince yourself of wild situations and then not taking any action? Why!? We explore some solutions to these common arguments we see online.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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 started reading an eye-opening book about retirement. The book: Cracking Open The Nest Egg by Martin Hawes. I highly suggest this for your parents or yourself, no matter your age. I was struck by an example for people to aim for when retiring. The idea is that you get to 65 with no debt on your house, and you have some funds set aside to invest that you can draw down on for the next 30 years. Sounds easy right? But does the math, math? 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 is a re-release of an earlier podcast that other listeners have found very useful.Mikey explains to us how you can add more value to your life, your job, and to anything using the simple equation. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_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 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.

In this podcast we sit down with no direction and go through a number of different things that are happening in New Zealand and in the world and see where it takes us. We go over the recent decrease in the Official Cash Rate in New Zealand, what's going on in the world of Bitcoin and this company's micro strategy, and will we see new taxes in New Zealand in the future, what will mean for us?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Today we sit down with a Keep The Change listener and look at the journey they’ve gone on since finding the Keep The Change podcast. Angela has a full plate with kids, a job, helping in her husband's business and other skills that pay the bills. Angela shares insights into her ‘fridge technique’ used to track finances that she learnt growing up. We explore emergency funds, paying the mortgage off faster, reviewing KiwiSaver and investing for the kids. Angela’s story is a testament to the power of taking action on financial education. Tune in to hear her actionable tips, learnings, and insights on managing money, family, and life goals—all while staying inspired and motivated.This was a lot of fun and something I will do more of. I hope you enjoy this episode and are inspired by the action that Angela has taken.If you need to find Angela, do that here: https://rentex.nz/team/angela-anderson/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.

I have a challenge for you! If you’ve been around here for a while, you may remember we did this back in 2020. There were 500 readers back then and the podcast was yet to launch. So it’s time to do it 100x! The challenge is about giving back and making the day of a stranger in need. I’m challenging you to make $200 and to keep $100 for yourself and then give $100 to a stranger. Are you brave enough?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 saw a long time of interest rates falling and asset prices increasing. Then we had dramatically lower interest rates through the 'demic and then inflation hit us, meaning interest rates to rise and some assets have actually now decreased in value as interest rates have increased. Now we are back to decreasing interest rates once again. So, what does this mean for asset prices in your ability to keep up with them? In this podcast we will go through everything you need to be aware of as the cycle swings the other way. Prepare yourself.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 a re-release of an earlier podcast that other listeners have found very useful.I wouldn’t be where I am today if it weren’t for some of the people who have built and sold massive businesses that have changed my life and, in turn, yours too. Let us not forget the contribution that ‘the rich’ or 'the wealthy' make in our countries and communities too. The opportunities they create from the risk they take. We don’t measure that. Let's explore!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.

You’ve listened to when to quit your 9 to 5 and then how and now you are going to do it! Game on! We go over a listeners question(s) around what you need to be thinking about now and what you may not be aware of in the world of business. We discuss taxes, claiming expenses, softwares you can use to sort this, invoicing, insurances, hidden costs, mindset, friendships, health. We explore some of the key lessons we had no idea were coming for us and these will get you ready faster. Get stuck in.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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 read that according to a survey by PriceMe, 51% of Kiwis plan to shop on Black Friday this year, a sharp rise from 35% in 2023. What’s more concerning is that 53% will use debt via credit cards, overdrafts, or Buy Now Pay Later. That’s a financial hangover waiting to happen. If you are part of this 53%, you need to be very careful about going into debt in order to buy people material things they will probably throw out before next Black Friday. Let's look at some smarter ways.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 a re-release of an earlier podcast that other listeners have found very useful.Mikey teaches us why it is so important to retrain some of the stupid things your brain will tell you to do and why this can also be so hard to do.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 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.

The man calling out the councils pops into the studio to fill us in on the backlash from questioning the price of some of these projects around the country. David Baker has been in the construction industry for nearly a decade and now runs RapidQS which helps builders price jobs more accurately.  He started with an apprenticeship and was always destined to have a crack on his own. He’s built and busted but kept going. David and his team and using savvy social media strategies to grow his reach and his business. It seems to be working! What can we learn from what he’s doing and implement ourselves?Those of you in construction are going to love this one.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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 met someone who seems to know everything about a subject but takes no action? Ahh analysis paralysis. It can hurt us all! We gather all of the data but never do anything with it. What is that all about? Maybe these people are really in fear mode or scared? And now it’s double hard because they have all of the info so think they know better so end up being even more scared to take action. Let's figure this 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.

This is a re-release of an earlier podcast that other listeners have found very useful.They say that there's always an opportunity in a recession, so what is it? We sit down for an hour to discuss all of the opportunities that you may not be thinking about and try to teach you to start tuning your mind towards seeing each of these. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

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.

The challenge was to come up with 3 skills that have seriously changed our life once we started implementing them. These will get you thinking and hopefully you will be able to apply some to them to your life. We go through different skills and why they are our key 3. There is some good cross over and some examples of how we’ve used these in our lives. A lot of this wasn’t learnt at school and you learn as you grow. Enjoy!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.

Why you haven’t started investing? You don’t know how...You live in 2024, with 5g internet, thousands of resources, and somehow you believe that you ‘don’t know how’ to invest. A reminder - people have been investing since the 1700’s. Let’s be real: you just haven’t learned how…yet. I’m not letting you off the hook that easily!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 a re-release of an earlier podcast that other listeners have found very useful.Wrap your ears around this one as we get insights from one of over 1,000 financial mentors in New Zealand who help out people to improve their financial situation. Many of these same principles can be applied to our own finances. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Well, a lot of markets are roaring after the change in President in America. I decided to go back and see how much some of my investments have increased over the last week and then give you some thoughts on whether this really matters or not?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 is back in the hot seat to get us thinking about what New Zealand will look like in the future. We’ve gone from record immigration to 80,000 NZ citizens leaving and people not wanting to come here. What is behind this? We explore the ageing demographic and what that will mean for the makeup of the country and the economy. It is very important that you understand this. Will it be a completely different New Zealand in 20 years time? Yes! So get ready now.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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Many of us are still sitting here asking ‘is it a good idea to invest?’. I think this actually means ‘I am scared to invest because I don’t want to lose money’. That makes more sense to me. But...by not investing, in some way, you are already watching your money go backwards in terms of what it can buy. Let's rip into this objection to investing.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 a re-release of an earlier podcast that other listeners have found very useful.30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 sat down with Jake Mickleson who is a KiwiSaver advisor with Generate KiwiSaver Scheme and we ran through some of the balances of different age ranges of KiwiSaver contributors across New Zealand AND then compared these across the Generate KiwiSaver Scheme members. Where do you sit?We also look at a recent retirement study that tells us how much is needed for retirement. This will be eye opening for a lot of you. Get stuck in.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.No part of this podcast is intended as financial advice; it is intended as general information only. For more information about Generate's Schemes see their Product Disclosure Statements at generatekiwisaver.co.nz/disclosures. The issuer of the schemes is Generate Investment Management Limited. Past performance is not indicative of future performance Hosted on Acast. See acast.com/privacy for more information.

Recently, I asked people IF THEY WANTED TO INVEST BUT HAVEN’T YET, how come. Sorry I had to yell and use bold so that you read that question properly. Before I summarise what I think the key 3 are, know this: You have TO WANT TO invest and that will help get you started. You’re on your own, but the guard rails are up so high that you’re so unlikely to hit a gutter ball long term. Stop aiming for a strike and bowl ya ball! Let's explore!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

Well, it has nearly been a good two years since the Reserve Bank of New Zealand told us that they were going to be engineering a recession so we thought that two years into this recession it was time to take a look and see what people were saying two years ago.Now that we are deep in it, what should we expect from here? What’s happening with business confidence? Will house prices continue to rise? When will rates slide further? Will they print money again?This one won’t be as optimistic as you may HOPE but it’s realistic and that’s what we’ve been the whole way through. Get ready to take more action. When it’s hard, push harder!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.

In the past, earning a six-figure income was a significant milestone, some sort of marker of financial success. But with rising costs and inflation, the purchasing power of $100,000 has decreased. So, setting an arbitrary income goal like "$100,000" might not be the right target anymore. It is believed that about 16% of working Kiwis now earn $100,000 or more. That number will continue to increase. In 2001, that was under 2% of wage and salary earners.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 a re-release of an earlier podcast that other listeners have found very useful.We're really sorry to let you know that you have been lied to on a number of fronts. We think it is becoming increasingly evident by all of you that everything is not what it seems. So what can we do about all of this? We dig in to figure out why more people are feeling uneasy about trying to get a head in New Zealand. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This pyramid holds the answers to so many of life’s questions. Are you currently at survival status, freedom, or purpose? And more importantly where would you like to be when it comes to your financial situation?. This was eye-opening from our trip to the United States and we sat down to reflect on what it means to us and what we’ve learned from it. We also asked the KTC audience where they are aiming for and where they currently sit on the pyramid. The answers are insightful. We explore questions like what are you aiming for yourself? Why? What would you aim for if you were out of survival?If this one doesn’t get you thinking deeply, we don’t know what will!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.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

I was playing with the word hope whilst writing. I had been thinking about how it seems many people have lost a form of hope and that’s a sad place to be. That brings me to the word HOPE. Help Other People Exist If you look at a lot of successful people, they do exactly this. BUT…to help others, first, you yourself have to become helpful!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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 a re-release of an earlier podcast that other listeners have found very useful.5 years ago, my business partner and I sat in Fiji tipping over a couple of Fiji golds, scheming how to build a $1,000,000 business. At the time, we had no clients, no revenue, but we did have a relentless desire to make it happen. We are now 5 years on, tune in to hear how it went.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

What a whirlwind trip to the United States of America that was. We’ve had a few weeks to unpack and reflect on the trip to the USA and it’s now time to gather all of those and give you our key takeaways and see how they may be able to help you in your life as well.We also dive into some of the different ways we will now think and act off of the back of the information that we’ve picked up in our time in the States. We talk about scale, the future being bright, Mikey's massive investment, where data deletes ‘feeling’ and much, much more.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.

Goals. Love em or hate em it’s nearly goal season - the 1st of January. BUT we still have a whole quarter of 2024 to go. And realistically, sometimes we don’t need a new year or big new sexy goals in our life. Why not focus on our current goal and achieving it faster? Let's look at someone doing exactly this and what we can learn.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey is one of the best mortgage advisors in the country and has numerous awards. He sits down to tell us the exact process he takes his clients through when it comes to getting a mortgage. This will help you if this is something that you are looking to do in the following 24 months.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Money Sweetspot is here to help reverse that debt spiral and support New Zealanders to regain control of their finances. I sit down with CEO Sasha Lockley to ask her about the impressive debt consolidation social enterprise that is Money Sweetspot. It only started becoming public facing in March 2023 and since then it has helped 600 people with their debt. They do this via ‘debt resets’ that give people a chance to have high interest debt rolled into a cheaper rate, with a single, manageable payment. In addition, Money Sweetspot provides free access to valuable financial education resources. Customers can even earn credits (that pay down their debt faster) when they tick off educational modules. There is nothing like this in the world and Sasha needs a hand to find the right people to use the service and to spread the word. Hopefully this can help some of you.“Our support for Money Sweetspot is part of our broader commitment to enhancing the social, cultural, and financial wellbeing of New Zealanders. With our goal to deliver $50 million in low or no-interest lending by 2024, we’re actively supporting a more inclusive and sustainable financial future.”For more information visit https://www.moneysweetspot.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 generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

Not everyone aspires to be in business and that is fine, but I feel like we can all do with understanding a bit more about how the numbers in a business work. Businesses are constantly tracking a ‘Profit and loss’ statement whichs track their income, their expenses and, therefore, their profit. You might think that reading a profit and loss (P&L) statement is like reading another language? Don’t worry, you’re not alone. We’re about to break it down in a way that’s simple and clear.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.

There is always a lot of chat in society around all of us finding our purpose but this can be really, really, really hard to do. In this episode, I'm going to take you through some of the ways that I have thought about purpose in my life and how I have been able to break the back of it and how I see it as an ever-changing journey. If you're stuck with purpose and think it is what you need to be aiming for this will be a huge help for you.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.We dig into an article that asked the question is being wealthy just a matter of mindset? We go through what the article explains and challenge some of the thoughts in there and try and take some lessons from it also.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

The cost of insurance has been climbing and many people are thinking about self-insuring themselves - i.e. not having insurance but thinking they will stack money aside to cover eventual issues. But how realistic is this and can it work? I sit down with Johny Winstone who has over 6,000 clients and we discuss all things insurance. I promise it isn’t boring and you will learn something. We explore things like: What are the most common things people insure? Are people ignoring insurance? What we don’t know about insurance that we need to? You will enjoy these stories and this will get you thinking more about insurance and it’s importance.How To Find Johny  ⬇️https://www.insurance-market.co.nz/brokers/insurance-market-collective/our-team/johny-winstonehttps://www.instagram.com/johnywinstone/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.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.

Housing affordability is always a hot topic in this country, and for very good reason. The cost of a roof over our head is a massive issue with many flow on impacts. New research shows almost one-in-five New Zealanders are spending more than 50% of their household income on rent or a mortgage - a report from global infrastructure firm GHD. So what can YOU do about this?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone 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.