Keep The Change

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.

I haven’t bought a L0tto ticket for some time. But I will admit, I had to be a part of that recent mega jackpot. I was hoping to win to figure out what it would be like to make $50milli in 2 mins. Then, how to handle it. It’s no secret that many people blitz through L0tto winnings and unexpected inheritances because they haven’t learned to be the person that knows how to handle that level of money. There is a good lesson for us here. What is it? And did L0tto just have thier biggest year in history?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.Why are people so obsessed with thinking they will have a better life when the system changes? Start by changing yourself instead. 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.

Listening is a skill and it’s becoming harder to do. We look at why that might be and how we can practise listening more than just hearing what we want to hear. It is easy to surround ourselves with what we want to hear but what if that isn’t helping us? We go through some examples where actually listening has been life changing. 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.

The unemployment rate is currently 4.3% at the end of March 2024. It is projected to rise to over 5%. This means tens of thousands of Kiwi who could still lose their jobs. You don’t want this to be you and I don’t either. But chances are it will happen to someone we know in our wider circles. I have already seen it happen in mine and this week I noticed more KTC followers mentioning redundancy. But here are some more specific things you may want to think 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.

This is a re-release of an earlier podcast that other listeners have found very useful.Dividends. Imputation credits. Withholding Tax. You name it, we break it down so that you can understand. A simple explanation of how dividends work and why you need to be aware it is income that will end up in your tax return.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.

Looking to buy your first home and have absolutely no idea where to start? Got a deposit but it’s not quite enough? Do your parents have equity in their property that you could use? Looking to get your first investment property? Slice have made it easy to navigate what can be a complex area which sees property, KiwiSaver, real estate, law and finance overlap. Slice have education and tools available no matter what stage of the journey you’re at. Founder Amy Stevens joins us to discuss what they’ve built and the big problem Slice is built to solve. Website: https://www.slicetobuy.com@firsthomefounderI 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.

Each quarter the IRD release information about how many people owe them money and how much. If you've been listening to KTC for some time you'll know what I often refer to this as the data worth looking at because no one writes or talks about this. But it shows us how businesses are going out there in the economy. One of the interesting statistics is that 551,000 people owe the IRD. The number of customers with debt increased from 436 thousand in March 2023 to 551 thousand in March 2024. So, how did that happen so quickly? I don't know for sure, but this is my theory...and it impacts you!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.In this podcast we teach you everything you didn't get taught in school about why business is the most favoured way when it comes to tax rules. We explain why employees get the worst deal and explore some of the other types of investment like property. 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 much anticipated tax changes have been announced. How exciting, for the first time in my career, everyone is talking tax. We are going to explore the new tax brackets, why they've been adjusted and when they might next be adjusted. This will give you a VERY solid understanding of tax brackets and rules in NZ.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.

Is it ok to be proud of yourself? Luke thinks so and regularly tells himself that he is (shock). Is it normal? Who knows! Mikey kicks us off with a story of how a country he recently visited is very proud. What about NZ? We explore how we can be more proud of ourselves and what it even means. There is a challenge for you at the end too so tune in!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.

This is a re-release of an earlier podcast that other listeners have found very useful.This is Mikey's theory on why playing the long game will ensure you never lose in whatever area it is that you are trying to get ahead in. Tune in and get an understanding of how you can apply this to your life. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

I sit down with Generate’s Global Equities Portfolio Manager, Nathan Field. Nathan has over 25-years' experience in the financial industry and during the period 2013 to 2023 the global equities funds under his management beat the market index by more than 4% p.a. That’s not bad going and has a huge compounding effect. We explore what ‘Thematic investing’ is and how we can get in on the action. Nathan explains what trends he's keeping an eye on and how he figures these trends out early. There is some great investing insight in here and you’ll learn something that could help your own investing journey. 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.

Whether people like it or not, we all need each other. Perhaps we need each other more now than ever. For many of us, it is the first time we are going through a really challenging economic cycle of high interest rates, persistent inflation and recessionary tests. We are all dealing with what we have going on in our lives and can lose sight of what others are dealing with. I was talking to a teacher recently who reminded me of this. Let me tell you a story about how kids can afford to go on rugby trips, when their parents can't afford to pay.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.

It’s inevitable that you will go through tough, slow growth times in your life. You will feel like you’re on the right path but the self doubt creeps in. The wins aren’t coming, you can’t see the progress and people might even tell you that you don’t know what you’re doing. Then you drink the brain rotting Kiwi Kola: You can’t get ahead here, You can’t buy a house here, There are no good jobs here. It’s all down hill from here and you give up.Awesome!Except you didn’t want to give up.Neither did I. 7 years ago I was starting from scratch and the wins weren’t coming as fast as I thought they would. I thought I knew what I was doing, so why wasn’t it happening?Instead of feeding my brain the Kiwi Kola, I gave it a better diet.This podcast is what I did to combat the brain rot and not quit on my goals and dreams. I hope it helps 👊🏻 Hosted on Acast. See acast.com/privacy for more information.

Over 80% of school leavers said that they wished they had learned more about money at school. Sorted in Schools are doing something about this by providing resources for both students and teachers. The goal is to improve financial capability. That means being good with money which is an essential life skill. It means being equipped with the knowledge, skills and confidence to make good financial decisions at each life stage, and attain goals with choices. I am joined by Claire Bailey from Sorted In Schools who is a learning specialist and I ask her how the programme is progressing and what the vision is. Sorted in Schools is free for all secondary schools and designed by teachers for teachers. We are often quick to assume nothing is being done to educate our next generation about money but here’s an example of a resource that many people don’t know exists. I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

I have a sneaky suspicion that many of us have lost focus and got ourselves trapped mentally. When we do this, we focus on the wrong things and unfortunately this leads to the wrong outcomes. The world shows up how we see it so we better be deliberate about how we see it and what we focus on. Let's focus...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.With all this doom and gloom it’s a good reminder to consider the currencies you’re collecting. This is a good time to remember that it’s not always about house prices, economic growth, net worth & bank balances. Just because a recession may be the measurement of whether our economy is or isn’t growing doesn’t mean you can’t.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

If we know what is going to happen and it doesn’t but then eventually it does, are we still right? We explore how many times we’ve thought things would happen but they’ve taken a lot longer to. So were we right or wrong? There is value in being both right and being early. Should we talk about crypto, Heartland bank and A2 Milk? Go on then! Another thought provoking podcast to get us thinking about the information we see online and whether being wrong can also be ok when directionally correct.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.

Imagine this; you live in a world where ANY information you need exists. You have an assistant you can quickly message to get the answers. The assistant will tell you exactly what to say to help you get to the next step. Well, guess what? You do. ChatGPT entered the chat in November 2022. And before you go all ‘screw you Luke, AI will take all our jobs’ on me without even trying to use AI once in your life to understand it better, keep an open, curious mind and tune in because we are going to explore using it to solve our problems.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.There is a lot of chat these days about taxing the poor and calling people privileged, or talking down your success in fear of others having a go at you. Why do we feel so bad about doing well? We dig into this tricky topic.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 episode I am again joined by my business partner Phil Smith from nextAdvisory.nz who has advised countless potential business buyers (and sellers) of what they need to think about before doing so. I ask your questions so that you can upskill even more. How to find a business you could buy? What is the main thing to look for in financial analysis? How to present yourself to the bank? Why buy a business instead of building from scratch?And much, much more!Want the checklist we mention? Grab it here: https://nextadvisory.kartra.com/page/ty-buyingabusiness Hosted on Acast. See acast.com/privacy for more information.

Inflation is still here, and it’s been here for some time. You know that, I know that. Sure, it’s coming down and that’s better than it going up. But last week I read a survey where 89% of respondents were worried about inflation. So what can we do for ourselves over time to hedge against inflation? I know, and i'll tell you in here...Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.There has been a lot of chat around side hustles recently and in this podcast, we dive into whether it is worth the time investment and discover the big question of why, why would you have a 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.

You asked for it so here it is. Ever wondered about buying a business? Here’s some of the basic! A heads up, it’s a foreign language when you get started but if you’re serious you’ve got to learn the language. There’s heaps of information out there so go on the journey. This will get you started! I am joined by my business partner Phil Smith from nextAdvisory.nz in this episode and I pick his brains because he’s advised countless potential business buyers (and sellers) of what they need to think about. Get stuck in.Want the checklist? Grab it here: https://nextadvisory.kartra.com/page/ty-buyingabusiness Hosted on Acast. See acast.com/privacy for more information.

Not dollars this time. But podcast downloads. I am thrilled to share a massive milestone with you. The Keep The Change podcast has officially hit one million downloads! We did it! Those 1,000,000 downloads wouldn’t have been possible without each one of you loyal listeners. Let's have a look at how this happened and dive into a massive KTC announcement!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.Grant Cardone owns over $1 billion worth of property but he's telling us not to buy a home, what is he trying to teach us when explaining this? Is this a conspiracy or is there something to 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.

A recording of the live Q&A with Instagram followers from 30th April 2024.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Some big news out of the Keep The Change camp! After 4 years and 500 episodes, we have a major sponsor in Generate KiwiSaver Scheme. I sit down with Linus Field who is one of Generate’s Auckland Advisers with over 5-Years of experience in the industry. We discuss the state of KiwiSaver in NZ, what he loves about it and find out more about his role at Generate. Everyday, Linus meets with people to discuss KiwiSaver so we talk about what themes he sees in these meetings and what we could all be thinking about to ensure we are maximising our investments. Enjoy!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.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.

Mikey comes rolling into the studio with a prediction that the bottom of the property market is near and that the next 12 months will be a great time to buy if that's what you want to do. In this podcast we look at some of the changes that impact that property market and how people can potentially use leverage again to buy a second property if they want to get into property investment. All things property in this podcast. Can't wait! Hosted on Acast. See acast.com/privacy for more information.

Everywhere you look you are being asked to spend a little extra. Skilled professionals who work in the field of shaking your pocket for that last dollar are designing ways to get you to willingly hand it over. We live in a consumer society. Today’s lesson is designed to get you thinking about where you can see the next upsell and pocket shake. Just have your eyes open to it.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.Us humans love to complicate things and make them more complicated than they need to be. Like assigning value to money. How does it work and is money really the root of all evil?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.

All this slow to no growth chat can have us looking inward and not thinking abundantly. Today we are going to have a bit of fun. Imagine for a second you wake up tomorrow and you are rich. OK, now what if I told you that you were born rich? When you were born you didn’t think about any of that stuff. But at some stage in your life, you decided that those were the things that would make you rich. 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.

Welcome to the first in a series IF you want them! REEL DEEP where I take a recent REEL and go DEEP. This is for those who like long form content over short form content. I just realised my total passive income was $25k in the 2024FY. In this REEL and podcast we explore how I did that and what it takes to earn that dreamy terminology of ‘passive income’. Hosted on Acast. See acast.com/privacy for more information.

Who quits their job at a bank, goes into business in a new industry with 2 others, hires 22 people, all within 6 years? Emily Shaw and Luma Analytics, that’s who. Data doesn’t lie and it’s all around us. Most of us don’t even know and can’t even see it. In this podcast Emily talks us through how her team use data to help companies all around the world do more, be smarter and move faster with data. Emily takes us through her life of going against the grain and the journey of being apart of one of the fastest growing companies in NZ in 2023 seeing them feature on the Deloitte Fast 50. This is an inspiring and thought provoking podcast. Enjoy and learn!The book recommendation was Take The Leap by Sara BlissBusiness: https://www.lumaanalytics.com 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 takes us through the 7 society rules that he thinks we should throw in the bin. Tune in and unlearn what you may not believe. Let us know what you think.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.

Professor Paul Spoonley has spent his life studying and researching the path NZ is on. Focussing on demography, migration, birth rates etc. he can shed some light on our expected social change and demography and how this impacts policy decisions at the political level. We ask some hard questions around how NZ will pay the bills for superannuation, rising infrastructure needs and basically gives ourselves a big fright that we are on a very scary path if we don’t have some serious conversations with the entire nation. You do not want to miss this wake up call! Hosted on Acast. See acast.com/privacy for more information.