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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

46:14

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 -

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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 -

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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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13:40

MY2CENTS - #1 Way To Pay Off A Kiwi Mortgage Faster

Keep The Change ·

2025/01/25

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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1:05:48

Dropout to Debt Free: How This 27yo Bought Property...

Keep The Change ·

2025/01/22

At just 27, this young Kiwi shares his incredible journey from grinding hard in his day job to buying property outright, trading stocks, and preparing to launch his own building business.Philip Paul has done a lot in a decade since being given the boot from school. In this episode, we dive into how he’s got ahead so quickly in NZ. From the lessons he learned by offering more value at work, investing, not buying material things he once could and his mission to normalise conversations about investing

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34:18

Money Mail 245 - The 2025 Economy; What Happens Next?

Keep The Change ·

2025/01/20

2024 was a grind for many, and 2025 might bring much more of the same. I am sorry, I am sorry. I am forever optimistic though. I know everyone is hoping for a better year and excited about how it all just changes and changes quickly, but I am more realistic to how slowly an economy turns. However, while the challenges are real, so are the opportunities. If you’re willing to tune out the noise, focus on what you can control, and keep showing up. And that is what we do around here (see the last 2

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7:33

MY2CENTS - ‘I Don’t Care About Money’ | Yeah Right!

Keep The Change ·

2025/01/18

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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36:38

Kickstart Your Wealth In 2025: Investing Hacks w...

Keep The Change ·

2025/01/15

Ready to start 2025 right and take control of your financial future? From compounding growth to investment hacks and beyond, this podcast will help you build a financial foundation for lasting success. Tune in and take the next step toward financial freedom today!Linus and I cover a lot of ground, including:The Cost of Waiting: Discover how delaying investments—even by just one year—can cost you thousands in long-term compounding.Set Your Kids Up for Success: Learn how $7,000 invested at birth could

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37:13

Money Mail 244 - 2025: It’s Never Been Easier To Succeed

Keep The Change ·

2025/01/13

I recently heard someone say: “It’s never been easier to succeed.” But they quickly followed it with a truth that hit me like opening the email inbox after the break. “It’s also never been easier to get distracted.” Aint that the truth! So I started thinking about what gets us distracted? Of course, we are going to take a financial lense on this. Let’s explore some softly, softly ones to start with and then trigger the masses.Hey thanks for listening! Please take some form of action from this

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37:33

ICYWL - Money Mail 147 - Why I Bought A PIE Fund

Keep The Change ·

2025/01/12

This is a re-release of an earlier podcast that other listeners have found very useful.Recently I bought a PIE fund and I’m not talking steak and cheese ones. I had a bit of spare cash sitting in a bank account and I wanted to ‘make my money work for me’ and am always looking for ways for my money to have babies and help subsidise my life/costs. I considered a Term Deposit where I deposit my money for a set term and in return get given a % for doing so. Then I thought about a PIE Fund, here's

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14:38

MY2CENTS - Will A Capital Gains Tax Solve New...

Keep The Change ·

2025/01/11

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

14:58

MY2CENTS - Why Is Paying Debt More Exciting Than...

Keep The Change ·

2025/01/09

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

52:38

From Reckless To Responsible With Money & Mindset w...

Keep The Change ·

2025/01/08

In this episode, I sit down with Bryce who shares his transformation: both financially and professionally, thanks to the lessons he learned from Keep The Change.After years of feeling stuck in a high-paying but limiting career, loaded with mortgages, credit card debt, and even Afterpay purchases for dog food, Bryce had a KTC wake-up call. He realised the power of accountability, mindset, and the importance of taking control of his situation.Fast forward through countless hours of study, sacrifices,

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30:36

Money Mail 243 - 2025 The Year To Focus On What You...

Keep The Change ·

2025/01/06

When did we get so good at dismissing other people's actions to keep ourselves stuck and upset at our own situation? It makes no sense to me. Focusing on what you don’t have will only hold you back. You need to flip your mind to start looking at your own opportunities. This will give you a good reminder to focus on what you do have and ignore those who decide not to live like this.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a

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1:45:10

How To Annihilate 2025 w Mikey Smith...

Keep The Change ·

2025/01/05

Well, we survived until 2025, now what? This year looks like another grind of a year but as always we will have you ready for this with eyes wide open to what you need to be thinking about. In this podcast we explore some of the things we expect to see in 2025 and touch on the mini distractions that we need to be mindful of. We also make some predictions about different markets. Enjoy the year and we'll talk throughout it.Hey thanks for listening! Please take some form of action from this content,

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1:56:14

ICYWL - HOW To Think w Mikey Smith (GuardianSmith.co.nz)

Keep The Change ·

2025/01/05

This is a re-release of an earlier podcast that other listeners have found very useful.Well, it is finally here the mega pod to help you understand how to think differently and where your thoughts even come from to start with. You won't want to this podcast because we dive into ways for you to help improve your thinking and therefore your life and some of the principles behind this. We would love to know what your biggest takeaway from this podcast is so please send us a message once you've

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