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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

46:06

NZ Has Changed FOREVER & Some Can't See It

Keep The Change ·

2025/06/02

5 years ago I went live on Instagram warning people about what 'free' money could mean. 5 Years on I go live to share what I think we've seen happen.New Zealand's economy has fundamentally changed and won't revert to how things were. In this video, we explore how to adjust to these economic shifts, emphasizing the importance of controlling your own income. We discuss the current economic climate, the impact of inflation and rising property prices, and practical strategies to increase your earning

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49:59

Money Mail 264 - Budget 2025 - Men Lie, Women Lie,...

Keep The Change ·

2025/05/29

Last year, I said the new government was going to have a hard time balancing the books. Why? Because they always do. Fast-forward to Budget 2025, and the numbers are in as are some major changes.Let’s breakdown a couple of the goodies….KiwiSaver changes: FINALLY! A push to save more. Investment Boost: telling businesses to 'get on with it'. What does this all mean for you?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make

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59:13

Running the Distance: Business, Sport & Motherhood w...

Keep The Change ·

2025/05/28

Ever wondered how to juggle running a thriving 7-figure business, elite-level sport, and family life all at once? That’s above my pay grade but not this guests.Meet Janelle Cavanagh from Withers & Co. business owner, sub-4-hour marathoner, MVP of the 2019 Touch Rugby World Cup, and proud member of Canterbury Touch’s “Legend Club”. Beyond the accolades, Janelle is also a dedicated mother of a 3-year-old boy and stepmother of two teenage girls.In this candid conversation, Janelle opens up

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32:23

Money Mail 263 - 5 Years Of Money Mail. 260+ Fridays....

Keep The Change ·

2025/05/26

The first edition went out on the 22nd of May 2020. 201 of you signed up. Mostly my mates or people I know. Today, it is quite surreal to say that tens of thousands of people read and listen each week across email, podcast and socials. That’s 260+ weeks of showing up. Of writing. Of thinking. Of reminding you (and myself) that we can take control of our finances, our thinking, and our future. So where to from here?Hey thanks for listening! Please take some form of action from this content, don’t

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1:10:03

He Made Millions Helping Tradies Grow Their...

Keep The Change ·

2025/05/21

He’s Helped 2,500 builders Achieve Financial Freedom & Control with Marti AmosEver wondered why some builders thrive while others constantly struggle with stress, finances, and chaos?In this episode, we’re joined by Marti Amos, founder of The Professional Builder (TPB), a global coaching company dedicated to transforming residential builders into profitable, systemised businesses.Marti shares his own incredible journey from humble beginnings on Stewart Island, through multiple businesses,

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30:10

Money Mail 262 - I Needed A Battery. I Found A DIY...

Keep The Change ·

2025/05/19

I ended up venturing into a large department store for the first time in ages. DIY and home improvement aren’t exactly my forte, so I don’t have too much reason to go into these stores. But walking into that store was an eye-opener. I was blown away by the sheer volume of things you could buy for your home. I started jotting down some of the wildest items I saw, but you probably already knowLuke and to save you the punishment, my two favourites were hot water bottles for your neck and ribs (ideal if

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1:04:45

Higher Incomes Don’t Mean Freedom. Financial Truths w...

Keep The Change ·

2025/05/14

Shula Newland is the founder of FULL Balance Financial Coaching and we sit down to unpack what true financial empowerment looks like.Shula’s journey to independent financial coach started with a knack for saving and a desire to help others take control of their money. Now, she’s helped over a thousand Kiwi reduce debt, build savings, and take back control of their financial future without selling a single product.We talk practical budgeting, financial hardship, debt stress, how to plan for life’s

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57:05

Money Mail 261 - What 20 Years Of Investing Taught Me

Keep The Change ·

2025/05/12

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

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1:23:18

From Soap Buckets to Signing Leases at 17 - Max...

Keep The Change ·

2025/05/07

At just 13, Max Tebbs started cleaning cars to fundraise for refugees. Today, the 18year old runs Clean Car Collective, Wellington’s leading car detailing business with a full studio, mobile fleet, and over 125 five-star reviews.In this episode, Max shares how he turned a side hustle into a thriving company (including signing a lease at 17) and how he’s balancing business growth with his personal journey toward financial independence. Max’s story is a great reminder that you don’t need to wait for

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40:45

Money Mail 260 - Is Debt Stress Secretly Ruining Your...

Keep The Change ·

2025/05/05

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

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1:02:22

The Marketer Behind My Madness w Roimata from...

Keep The Change ·

2025/04/30

Tired of seeing Keep The Change and nextAdvisory everywhere? Blame Roimata. She’s the person behind the execution of a lot of the marketing ideas I have for my ventures and helps me get in front of more people so that we can change the wealth of the nation.Roimata founded Burst Digital in 2023. A marketing agency built to do good, not just look good. With over 11 years of experience and a track record of helping 250+ businesses generate millions in revenue throughout her career, Roimata now helps

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51:27

Money Mail 259 - Renting Out A Room? AirBNB Income?...

Keep The Change ·

2025/04/28

The IRD could very easily write to AirBNB (or similar) and ask for a list of users. Same thing for people who have lodged a bond or listed a room for rent on Trade Me. Then they could cross-check this to a tax return to see if there is a form of rental income in it. In New Zealand, we have a responsibility to report our own forms of income. This should serve as a reminder for those of you who are renting out your property, AirBNBing it or getting a tenant in that you may want to be across the tax

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1:02:54

‘’Moneys Broken’’, Bitcoin Fixes It? Leaving NZ For...

Keep The Change ·

2025/04/23

From the neon nights of Tokyo to the freedom tech of tomorrow, Cody Ellingham is on a mission to reimagine how we see the world and how we value it. A Kiwi creative now based in Japan, Cody blends photography, storytelling, and Bitcoin thinking to explore the shifting landscapes of money, cities, and human freedom.In this episode, we dive into his journey through art, his popular podcast The Transformation of Value, and why he believes Bitcoin is more than money, it's a mindset.Whether you're a

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21:14

Money Mail 2 58 - How To Stay In ’Push Mode’ Like A...

Keep The Change ·

2025/04/17

Apparently, in Formula 1, 'Push mode' refers to a temporary engine or battery setting that allows a driver to maximise performance for a short period, typically to overtake a rival, defend a position, or set a fast lap. We can activate push mode when we need to, but a lot of the time we don't even know we are capable of it. What if we challened ourselves to activate it and use it to get furhter ahead?Hey thanks for listening! Please take some form of action from this content, don’t just be a

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1:01:34

Building Wealth, Burn Out & Busy Twins w Amy Po-Ching...

Keep The Change ·

2025/04/16

From dropping out of school at 16, buying her first property at 18 to building a business for sale, Amy Po-Ching knows what it takes to succeed in property, business & life.Amy is an award winning financial adviser, mortgage broker, and founder of Property IQ, Amy has helped thousands of Kiwis get into their first home, grow investment portfolios, and unlock financial freedom.She has built a business, been broke and sold a business only to retire and find it boring. Her mission is to now help

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45:51

Money Mail 257 - Liquidation: How Some Businesses...

Keep The Change ·

2025/04/14

I read an article recently about a company who owed over half a million dollars to the IRD and was now unable to pay. I checked the companies office, which is a register of all companies in NZ, and this company has been put into liquidation by one of the shareholders. Days later the same shareholders and directors had a new company under a different name and that would start with $0 in tax owing to the IRD. Say what? How dos this work? Let's find out.Hey thanks for listening! Please take some form

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1:02:40

From A Rental To The Richlist. Why Aussies Are Coming...

Keep The Change ·

2025/04/09

Ever wondered how to tap into the lucrative world of commercial real estate but weren't sure how or where to start? In this episode, we chat with the team behind Rethink Investing New Zealand, the country's premier commercial property buyer's agency.With over $5 billion in successful transactions and thousands of happy investors across Australia, Rethink Investing have got their sights set on helping New Zealanders. They specialise in helping everyday investors secure high-yielding commercial

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29:21

Money Mail 256 - 1 In 2 Business Owners In NZ Are...

Keep The Change ·

2025/04/07

1 in 2 business owners in New Zealand are over 50. This is according to CPA Australia's Asia-Pacific Small Business Survey. Compared to NZ, the Asia-Pacific average is against a survey average of 28% New Zealand has around 546,000 small businesses, which represent 97% of all firms in the country. These small businesses are a massive part of the economy, contributing significantly to employment and the gross domestic product (GDP). So what is going to happen as these business owners get older?Hey

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1:03:49

Fur Real: Pet Emergency & Pet Insurance DM Drama!

Keep The Change ·

2025/04/06

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

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17:56

MY2CENTS - Money Advice For NZ Uni Students (Practical)

Keep The Change ·

2025/04/05

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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822 results

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