Keep The Change

This is a re-release of an earlier podcast that other listeners have found very useful.The number of people struggling financially is really starting to increase. Nearly 12% of Kiwis are currently behind on their debt repayments: personal loans, credit cards, BNPL etc. For some reason, it can be really hard for us Kiwis to ask for help. It seems to be something we’ve mastered - not asking for help. A lot of people will feel helpless or even embarrassed about their debt levels, so they will simply bury their heads in the sand. We know deep down that this isn’t a solution. So here is where to turn to...Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

I review some UBS wealth data that analyses the percentage of people in different brackets of wealth all around the world. You might be surprised how wealthy you are compared to other people in the world. Or what it takes to have $1,000,000 of wealth.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 is the Chief Commercial Officer from the New Zealand company Easy Crypto and sits down to explain to me what crypto even is, if Bitcoin will reach a million bucks, how many people are using Easy Crypto every year and then answer a stack of your questions. The idea of this podcast is to bring you some information about cryptocurrency to demystify the space and that is what Easy Crypto have been trying to do since 2017 when they started. I hope this helps you increase your understanding of the crypto space, it did for me. Paul has included 2 links with more resources below. Easy Crypto Hub https://hub.easycrypto.com/nz/Crypto 101 course https://ungaro.co.nz/coaching-crypto101-cryptowithconfidence/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.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.

One of the positives to this tough economy is that people are learning a lot more about money and finance than they normally would. They are having to pay attention. That’s a huge win if you ask me. But I would call that a positive! As we have moved from the boom to the bust part of the cycle, we have been forced to learn. I asked the KTC community what they were learning through this tough economy...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.Scotty from SMProperty.co.nz joins us to tell us about how he helps first home buyers get on the property ladder and he also takes us through his journey going from 0 to 10 properties and the ups and downs along the way. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

‘What are your thoughts’...My response is often not to provide my thoughts but to ask them the same question back. ‘Well, what are your thoughts?’. Because you must have some. And they are valuable. You are capable of making decisions. Before you ask others for their thoughts, think about these questions...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.

Retirement is a hot topic and today we are diving deep into it! Jane Wrightson is The Retirement Commissioner and part of her role is reviewing and reporting to the Minister of Commerce every 3 years on the retirement income policies implemented by the government so we explore her thoughts on some of the current retirement and pension settings. We explore KiwiSaver and what could be done better. Jane also oversees the National Strategy for Financial Capability to improve the financial capability of New Zealanders of all ages so that sees her overseeing the likes of Sorted.govt.nz Jane is focused on principled retirement policies that take a long-term view, so that the wellbeing of older New Zealanders is enhanced.We ask some of your questions and some of the answers will surprise you. Jane is a straight shooter and a lot of fun to chat with so you will love what you learn in here and no doubt you’ll be left thinking about what YOU can do to get ready for retirement.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.

Well shit, we thought we were on our way home but no. We have had to cop another day in the massive country that is America due to an air conditioning unit in a plane. We find our way to Houston and make sure we don't waste the day. Tune in to find out what we have been up to.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.

Its the last day of our time in America, and we sit down at the airport to wrap up our final thoughts from what has been an amazing chance to learn and grow. We can't wait to get back to New Zealand and see a number of you at our KTC event on Thursday night. 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 wouldn't bloody read about it, we have bumped into Hamish Taylor from @yachtiesof_nz who we have done a podcast with previously. We are in the camp of all of the staff who work on the super yachts here in Florida, America. Tune in to get an insight into how accessible this life style is to you and a New Zealander. 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.Lately, we’ve been talking about prices going up and most people are probably just skimming past it thinking it doesn’t apply too much to them. I’ve put together a practical exercise you can do over the weekend. If you are brave enough, you need to look at EVERY cost in your life. This isn’t fun, but neither is not sleeping or worrying about money, so get this 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.

It is the conference's final day and the big climax is here as the big D, Dwayne 'The Rock' Johnson talks to us for nearly 2 hours. In this podcast we go through some of the lessons we have had from our time here and what we will be taking back to New Zealand. We also do a reflections podcast and wrap up some of the things we have forgotten about tomorrow, so see you then.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.

On day 4 we rip into another day at the conference and learn about customer service and what will happen with AI in the coming years. We also have some thoughts about how religion and god are quite important to people here and how that gives people a lot of guidance. Plus the usual 48 tangents, we have definitely forgotten to cover some things, so we will do that on day 5. 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 back after a very long first day at the conference. We are reporting in with our latest lesson from a very eye-opening conference. Enjoy! Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Well, after a pretty long first day, we have spent some time getting our bearing and preparing for this rather large conference. In this podcast, we will go through some of the lessons we have picked up or the things we have noticed while in this massive country. Enjoy!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Today I sit down with a good man who has gone from corporate to financial advice. John has a Master's degree in Finance, so understood the power of compounding wealth over the long-term, and his KiwiSaver was sorted nice and early. But John wanted to do more to help out his community with this knowledge. He spent weekends driving north (4.5 hours) and talking with friends and family about KiwiSaver. This led to the start of Kauri Wealth and now he does it full time. Find out what inspired John to throw away the corporate path and chase a goal of helping more Kiwi make incremental steps toward their finance. This is an inspirational goodie!Kauri Wealth has a simple mission: to empower individuals with a deep understanding of KiwiSaver's significance, guiding them towards optimal fund selection and unlocking its potential to enhance lives. 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.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.

Keep The Change is on tour in America and as we are touring through the country we are going to speak to some people and find out how they do things and hopefully, these things can inspire you. Tune in to hear from this person who has gone from growing up homeless to understanding the importance of hustling and making money.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.

It’s OK to want to make more money. There, someone gave you permission. We teach people that ‘money doesn’t buy happiness’. If we taught people how to be more in control of their income, there may just be a lot more happier people right now. I think a lot of people have been conditioned to be told that earning more is greedy, selfish, ‘you’re all about the money’, recently I was told I am supporting failing ‘capitalism and consumerism’. You have no doubt been told by someone that wanting more is bad. You evil bastard. But it’s ok. Why? Let's find out why!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.On Instagram we asked you what is getting in the way of your financial success. In this episode we take you through all of these things as well as different ways to look at some of these problems. This will be extremely helpful for many people.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.

Henry and Jack are back in the studio to give you 10 business ideas that you can start and maybe go through to business sale just like they did. You don’t need to be Elon to get these ideas off the ground and there is something in here for everyone of you. We touch on the practicality of starting something from scratch and how execution will be the main thing to determine your success. Most people will ignore these ideas, never start and not take enough action. But not 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. Hosted on Acast. See acast.com/privacy for more information.

If you’ve got your mind on your money, then you probably know that August is Money Month. But I often hear that many people have no idea. So today, a bit of insight into what this month is all about. Money Month is a public awareness and engagement campaign coordinated by Te Ara Ahunga Ora Retirement Commission, in partnership with the financial capability community. To do my bit toward the national strategy of working together to help demystify money, I sat down in an online workshop with Sorted’s personal finance lead, Tom Hartmann and James Blair of Lighthouse Financial to celebrate Money Month with a special webinar. Let's exploreHey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_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 runs us through tackling problems the reverse way. Learn this brilliant way of thinking and see how you can implement 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 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 don't often ask for much but I would love your help to get this content in front of even more people. So, within this is an ask for you to help me do that, and some suggestions of how you could do it. It would be a lot to me. Thanks, Luke. Hosted on Acast. See acast.com/privacy for more information.

Money Month is a public awareness and engagement campaign coordinated by Te Ara Ahunga Ora Retirement Commission, in partnership with the financial capability community. This year's Money Month builds on last year's theme "Pause. Get sorted." The focus is on actions that can help people grow their money and build resilience – two pillars that are key to improving people's financial wellbeing. On Tuesday night, myself, James and Tom went over the steps you need to grow your wealth and secure your financial future, including: Getting clear with your goalsBudgeting and cashflow fundamentalsUnderstanding debt Property as a wealth-creation toolHow shares fit in with your investment strategy Protecting your wealth and accountability.Some of Sorted’s most popular online toolsGet stuck in.  Hosted on Acast. See acast.com/privacy for more information.

I want more Kiwi to understand that their knowledge can be exported. You can package your knowledge and sell globally, earning different currency and opening up different markets. This is working smarter, not harder and we have A LOT of smart Kiwi here in NZ who don’t know this exists. I sat down with Luke Sneeden who has been a part of businesses doing this for nearly 10 years. Find out how they took baby sleep secrets to the world by starting with a PDF document and turned it into 500,000 happy customers. This one will blow your mind with what is possible.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.

Well, well, well what have we here? The first cut of the Official Cash Rate. On Wednesday, The Reserve Bank cut the official cash rate by 25 basis points to 5.25%. So what’s behind this cut all of a sudden? Let's try figure it out and work out what we need to be thinking about as rates fall further in the coming quarters.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.

A number of people recently told me that they don't know how to get started with investing and it upsets me to see that in 2024 so many people still believe this when there are such amazing resources out there. In this podcast I'm going to buy a share and I'm also going to explain why is so important that you get started and give you two resources that you can go to to learn. You must make your first investment by the end of this podcast. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_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.Luke sits down with James from Lighthouse financial to understand how they go about financial planning for their clients and the exact process that they take people through as well as some tips and tricks all of us could learn from.if you want to explore doing some financial planning with your team follow this link: https://lighthousefinancial.co.nz/lighthouse-wealth/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.

0 to 100 real quick, literally. Learn from 2 lads who scaled a business from 0 to 100 staff and then sold it. It can be done. They take us through their top 5 lessons learnt from starting something from scratch (in an area they didn’t even know too much about) through to selling it to an overseas buyer. These lessons are simple and may surprise you as to how basic they sound. This podcast will get you warm for the part 2 where Henry and Jack provide you with 10 business ideas that anyone can have a crack at. You will love the energy of these 2 down to earth Kiwi legends. Get inspired.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.

Ahh, the age ole question! Asking someone who can’t predict the future to predict the future. If you are asking people ‘is now a good time to invest?’ you’re probably setting yourself up for something we like to call Not Taking Action. Firstly, what does that question even mean? What are you actually trying to ask? Secondly, how would anyone know that answer? NO ONE knows what is around the corner. Let's explore how dangerous this question 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.

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey Breaks down how you can actually change your mindset as he is sick of hearing people saying "you just need to change your mindset". Here is his methodology of exactly what you need to do in order to change 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_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

It’s no wonder the banks make billions of dollars when they are a part of every transaction. That gives us a clue…maybe the secret to making more money is to get closer to the transaction?In this podcast we will look at ‘Money flow’ and how you can get around people that move money around ensuring that it flows. Your job is to get some of it to flow to you by getting closer to people who are transacting, doing deals, solving problems, adding value and who have money.. We are about to teach you how.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.

Last week we explored the excitement that interest rates may come back down. Let's explore the things we should be thinking about when it comes to lowering interest rates, debt and mortgages? Then some potential action Items we can all think about if we have various forms of debt. Note: these are designed to get you THINKING only and are not financial advice.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 talk with a Keep The Change reader about their forms of debt and how they got into them. We go through some practical ways we could get back in control of this and make some suggestions of how we could do this faster. Tune in as there will be thousands of people in a similar situation.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.

So you want to quit your 9 to 5 huh? Well what are the steps to take to quit your 9 to 5? How do you do this? Well we are going to show you how to go about this because we’ve both done it and learned from the process.This will become a pillar piece of content for people to get them moving on their self employment or business journey. Before taking the leap into the unknown, get yourself set up properly and make sure these steps are covered first. This is a part 2 from 2 podcasts, the other one is ‘When To Quit Your 9 To 5’, make sure you check that out too.I believe 100,000 kiwis with better financial literacy will create a better New Zealand - and the team at Generate KiwiSaver Scheme are helping me reach this goal. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

The Reserve Bank of New Zealand look set to cut the Official Cash Rate and this has got people thinking about what it will mean for their mortgage. Mikey the mortgage messiah stops by to answer your prayers, sorry…questions. We talk break fees, re-fixes, going short, going long. It’s all happening in this podcast. Tune in to better educate yourself about what opportunities falling interest rates may mean for you.This is not financial advice and you should seek advice from a mortgage adviser or financial adviser. Hosted on Acast. See acast.com/privacy for more information.

Well, we’ve finally got some good inflation news. Inflation was 3.3% annually for the June 2024 quarter. This is the lowest it has been since June 2021. But we aren’t quite there yet. Still slightly outside the 3% target band. However, there is at least some confidence that we are heading inside it. And for a lot of people that will mean sweet, sweet interest rate cuts. The elixir we are craving to turn the economic tap back on. I don’t think that slow rate cuts (should they be slow) will be everything people think they will be because, as you’ve learned, interest rate cuts or hikes take some time to wash through the system. There is a huge lag with interest rates impacting the economy. Time for a reality check...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.The man who broke the Internet with his savings methodology popped by to explain to us how he removed thousands of dollars of costs from his annual expenses by simply comparing the likes of his Internet, phone, power, insurance, etc and we dive into the psychology of money plus a lot more. Do not miss this one!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

I spent most of my 20’s p!ssing up and not preparing for my future years. It seems younger people are a bit more switched on these days (thank Gard!) so you’re probably not doing that. You will be better prepared than I was. Let’s look at what you need to be thinking about when it comes to milestones in your 30’s…Emergency funds? Buying a house? Investments? No consumer debt? Career plans? Relationships? Goals? Health and wellbeing plan? A will? There is a lot to think about. In this episode, I sit down with James Blair who is a Financial Advisor and the Wealth Director from Lighthouse Financial to discuss what we should be thinking about. James helps every day Kiwi with their longer term investing plans and we discuss how some of these fundamentals are important whether we are in our 30’s or 60’s.James Blair is the Wealth Director at https://lighthousefinancial.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.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.

Alli Kennedy is on a mission to help everyday Kiwis be educated on investing. She has created a board game for people to play to learn more about investing and needs your help to create the first 10,000 orders. In this podcast we discuss how Alli (22 years old) is having a crack at changing the wealth of the nation via her board game and seeking pre-orders plus companies to be involved to turn this idea into a reality.Sharenanigans, offering an introductory experience into the world of investing in shares, will be the next board game in every household. But don’t be fooled, with players competing to become the wealthiest at the table, everyone is in it for themselves.https://www.pledgeme.co.nz/projects/7946-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.

Recently I received an awesome message. A 12yo lad is out in his neighbourhood doing something we often talk about. Making an offer to transact. He offers to help and add value to his neighbourhood by solving problems. Wouldn’t it be nice to go back to that sort of mindset where you don’t fear as much as you do now, and you don’t care what people think about you? Let's explore how he is doing this and what we can learn and apply to our lives. 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.Wow! This could get interesting for you. An insight into some of the comments we often see on social media and whether all of them are true or conspiracies. We dig into the world economic forum and the great reset that we all keep hearing so much about. 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 all dream about the freedom of working for ourselves. Being your own boss. So when do we pull the trigger and do it? Are you entrepreneurial deep down? Hate your current role? Know your goals are bigger than your current career path? This will get you thinking about WHEN it might be time to have a crack at something else.This will become a pillar piece of content for people to get them moving on their self employment or business journey. Make sure these steps are covered first. This is a part 1 from 2 podcasts, the other is ‘How To Quit Your 9 To 5’, make sure you check that one out too.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.

My good mate Simon pops to Auckland for the All Blacks so I make him sit down for a podcast warm up to tell us about the state of infrastructure in NZ and how we could actually improve it. Simon hires nearly 50 staff and was thrown in the deep end to run the family business some years ago. You’ll learn about his journey, what he thinks of the economy and what economy/tax changes he thinks we will see in the coming years. Enjoy!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Apparently so. That is according to some people who message me and leave me comments. I know and see how tricky it is out there, so I can see what these people are trying to say. Maybe I am too much of a realistic optimist, but I can see better financial times in the future. However, I do believe it will get worse before it gets better. (Again, realistic optimist). So should we accept our fate and give up? 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.When I put together the 30 in 30 podcast series, one of the most mentioned podcasts was around investing in yourself. Investing in businesses and deals seems complicated. It is something that not all of us are familiar with, but I like to remind people to keep it simple. Start by investing in 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 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.

Lately I’ve been getting a lot of questions from younger people who are looking to get into investing. This is exciting to see, but no matter their age, they probably shouldn’t be asking a random stranger on the internet what to do with their money. So I sat down with James Blair who is a Financial Advisor and the Wealth Director from Lighthouse Financial to discuss what we should be thinking about. James helps every day Kiwi with their longer term investing plans and we discuss how some of these fundamentals are important whether we are investing $10k or $10mil. It doesn’t matter what age you are or how much you have to invest, this podcast will get you thinking!James Blair is the Wealth Director at https://lighthousefinancial.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.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.

The 30th of June meant that it was time to do my month-end process. Mapping out what money I have coming in during July vs what’s going to be going out. Then I go through and tally up all asset values + debt values. This process keeps my mind on my money, and I am more in check with where everything is at. However, this time, I had a feeling that my net worth would have gone backwards and by the time I had finished my month-end process, I could confirm that my net worth decreased in the month of June. And that’s OK. Here is why...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.Do you know that if you sell a business you shouldn't get taxed on this? We explain why and how you can think about this in terms of your side hustle.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.

Mikey comes out swinging with a warning to the government and future governments, as well as councils that they need to be careful with all of these tax and rate increases (including inflation) because people are feeling it and we could lose them to other countries OR they may change their behaviour. We explore how this happens and go through some examples. We even TRY and find the odd solution. This is a grunty one!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.