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PODCAST

Keep The Change

Keep The Change - improving Kiwis financial literacy. Ever wanted to learn more about money, the economy, finances and how to have a better financial life? Now you can. This is one of New Zealand"s leading financial learning podcasts. I (Luke) wanted to share insights from my life, my role as a Chartered Accountant with successful and failing clients as well as a look at all of the dumb sh!t I have done along the way too. There is also a read of the weekly "Money Mail" lesson. Please take action :)

education self-improvement

All Episodes

39:29

Money Mail 252 - It Took Me 30 Mins To Get $2k USD

Keep The Change ·

2025/03/10

I started to write this mid-flight headed to Las Vegas to watch the mighty NZ Warriors in action. They say what happens in Vegas stays in Vegas and to be fair, some of my NZD are definitely going to be staying in Vegas. Holy sh!t that place is expensive. Before I left for the USA, I needed some US dollars in cash. I did what anyone would do. I went to my bank. The one I’ve been using for around 10 years. I went in and gave them my card, and they took many of my $NZD and gave me $2,000 US. Boom

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14:58

MY2CENTS - How I Got Rich In New Zealand (Not...

Keep The Change ·

2025/03/08

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

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53:20

What Is Mikey Seeing In NZ Property In 2025? (in the...

Keep The Change ·

2025/03/06

The Offical Cash Rate has decreased by 0.5% as expected. We sit down with Mikey to find out what he is seeing out there with the property market and with mortgage advisers. This is the first podcast as a bit of a trial, life from the new studio. 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

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40:50

Living a Life of Abundance: Fulfilment and...

Keep The Change ·

2025/03/05

What does it mean to live a life of abundance? In this episode, we explore the mindset, habits, and actions that lead to true prosperity.This is also more than just financial wealth. We discuss tactics of how to shift your focus from scarcity to gratitude, and from fear to opportunity.We unpack some of our key principles of living abundantly, including financial freedom, giving, and personal growth.Tune in to learn actionable strategies for building a life where success, happiness, and generosity

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5:52

MY2CENTS - First $100k

Keep The Change ·

2025/03/01

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

en

40:31

Money Mail 251 - The Biggest Wealth Shift In History....

Keep The Change ·

2025/02/27

Did you know: in NZ, those born before 1966 currently hold 60% of NZ's $2.29 trillion total individual net wealth. The estimated value that will be transferred by those aged over 55 in the next 20 years will be approximately $1.11 trillion - Business and Economic Research Ltd. We are living through one of the largest transformations of wealth and knowledge EVER. Get READY!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make

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11:57

Living a Life of Lack: The Symptoms of Scarcity w...

Keep The Change ·

2025/02/26

We struggled with this one but it was needed before we record ‘Living a Life of Abundance’. This is why it’s only 10 minutes!So…are you caught in a cycle of scarcity, where there’s never enough time, money, or opportunities? Are you caught in a life of ‘lack’?In this episode, we dive into what it means to live a life of lack, exploring the tell tale signs of a scarcity mindset and how it affects every area of your life.We discuss the psychological and financial traps that keep you stuck, because

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6:45

MY2CENTS - Falling Interest Rates

Keep The Change ·

2025/02/22

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

en

46:34

Money Mail 250 - Falling Interest Rates = Pay Rises...

Keep The Change ·

2025/02/20

Back in 2021 (Money Mail 83) we started talking about pay cuts for NZers because interest rates were about to rise and impact a number of people. This meant a pay cut for a household budget that now had to pay higher interest costs. But we are now into the reverse. The pay rises have begun for some!!!! With rates falling, the financial relief will reach households faster because there is so much rolling off onto a cheaper rate. Let's explore.Hey thanks for listening! Please take some form of action

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1:43:28

The Rise & Fall,(Part 1) & Now Redemption (Part 2) of...

Keep The Change ·

2025/02/19

Simon Phillips returns to the podcast with more wild tangents and hard-earned wisdom than you can imagine. You may remember Simon as the founder of Fitwear, the brand that skyrocketed to over $3 million in annual sales, before it all came crashing down, leaving him in massive debt and back at home owing hundreds of thousands to his parents.Now, with his debt cleared and a fresh outlook, Simon is rebuilding, not just his business ventures, but himself.In this episode, we dive deep into his personal

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46:04

Money Mail 249 - When Is 'Enough', Enough?

Keep The Change ·

2025/02/17

If you don’t decide what enough looks like, the world will decide for you. And the world’s answer will always be “more.” Because, as I said, there’s profit in keeping you striving. When we’re stuck in a cycle of constantly chasing more, we can lose sight of what we truly want. That’s why defining what enough looks like is crucial. So, how do YOU define enough? It’s personal and it's up to you. Let's get you thinking about it.Hey thanks for listening! Please take some form of action from this

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5:10

MY2CENTS - Credit card debt to millionaire?

Keep The Change ·

2025/02/15

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

en

46:39

How to Escape 'Status Mode' w Mikey Smith...

Keep The Change ·

2025/02/12

You’ve escaped survival mode and now you’re being marketed to to give your excess cash to the machine. Wait, what machine? You’re about to find out.Have you ever felt like you're working hard just to keep up appearances, keep up with the Joneses(who TF are they anyway?), to get a better title, to feel important? That’s status mode; a trap where self-worth is tied to possessions, titles, or external validation.In this episode, we’ll explore how to recognise when you’re stuck in this cycle and provide

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46:14

Money Mail 248 - 'Put It On The Mortgage'...Dead In 2024

Keep The Change ·

2025/02/10

'Put it on the mortgage'. With lower interest rates and rising house prices, why wouldn’t you? For years, many New Zealanders have tapped into their home equity; borrowing against their property to access cash. Using the house as an ATM is out of favour and now only 11% of 'new' loans were of that type. In 2019 it was almost 20%. Since the data series began a decade ago, mortgage top-ups were the lowest ever in 2024 - and declining during the year.Hey thanks for listening! Please take some form of

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8:55

MY2CENTS - Best Inflation Hedge

Keep The Change ·

2025/02/08

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

en

38:52

A 20% House Deposit & Student Loan Cleared At 26 Tom...

Keep The Change ·

2025/02/05

Tom, 26, shares his inspiring journey of buying his first home with his partner on Auckland's North Shore, without the bank of Mum & Dad.In this episode, Tom (a listener to KTC) unpacks the financial principles from Keep The Change (& other learning) that helped him achieve this milestone: upping his KiwiSaver, paying off a $45k student loan, investing in the S&P 500, and leveraging his value to land better-paying jobs.We also dive into his hustle, his plans to start a business, and why

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33:30

Ep 247 - What If Stock Markets Tank In 2025?

Keep The Change ·

2025/02/03

At the back end of 2024 I started to get worried about stock market returns. I was receiving too many messages from people having great performance in their KiwiSaver and their investments. Don’t get me wrong, I loved to see it. I was even checking mine. A 16% gain for my KiwiSaver in 2024. You beauty. But when these messages kept coming, I got worried. Worried about what happens when it suddenly turns. Because it can. So what do we need to be thinking about?Hey thanks for listening! Please take

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7:32

MY2CENTS - $2k Per Month Passively

Keep The Change ·

2025/02/01

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

en

44:34

How to Escape 'Survival Mode' w Mikey Smith...

Keep The Change ·

2025/01/29

Are you stuck in survival mode, living paycheck to paycheck and constantly stressed about money? This episode is for you! No shade either, we’ve all been there!In this episode, we’ll help you recognise the signs of survival mode and, more importantly, give you actionable steps to break free. We promise you there are many, many actionable steps to help you escape this stage of your financial journey and life.OR at least decrease the time you stay here.We cover some ground! From mastering the basics

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31:45

Money Mail 246 - How To Easily Make An Extra $10,000...

Keep The Change ·

2025/01/27

Whether you need it to ease a bit of financial pressure or work toward a big goal, here’s how you can make it happen, even in one of the toughest economies New Zealand has seen since the 1990s. I continue to maintain that if we teach more people how to make a bit of extra cash, it will solve a lot of the individual problems people face. Many people feel stuck financially but don’t realise money is EVERYWHERE and that they can get their hands on it. I am going to step you through how to attack

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