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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

31:19

Money Mail 234 - When You're Scared To Invest (Pt 2.)

Keep The Change ·

2024/11/04

Many of us are still sitting here asking ‘is it a good idea to invest?’. I think this actually means ‘I am scared to invest because I don’t want to lose money’. That makes more sense to me. But...by not investing, in some way, you are already watching your money go backwards in terms of what it can buy. Let's rip into this objection to investing.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

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35:16

ICYWL - 30 In 30 | 12. Being Broke & Living Rent Free...

Keep The Change ·

2024/11/03

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

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51:20

KiwiSaver Balances: How Do You Compare? w Jake Mickleson

Keep The Change ·

2024/10/30

I sat down with Jake Mickleson who is a KiwiSaver advisor with Generate KiwiSaver Scheme and we ran through some of the balances of different age ranges of KiwiSaver contributors across New Zealand AND then compared these across the Generate KiwiSaver Scheme members. Where do you sit?We also look at a recent retirement study that tells us how much is needed for retirement. This will be eye opening for a lot of you. Get stuck in.I have a goal to help 100,000 Kiwis improve their financial literacy

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26:37

Money Mail 233 - Why You Haven’t Started Investing...

Keep The Change ·

2024/10/28

Recently, I asked people IF THEY WANTED TO INVEST BUT HAVEN’T YET, how come. Sorry I had to yell and use bold so that you read that question properly. Before I summarise what I think the key 3 are, know this: You have TO WANT TO invest and that will help get you started. You’re on your own, but the guard rails are up so high that you’re so unlikely to hit a gutter ball long term. Stop aiming for a strike and bowl ya ball! Let's explore!Hey thanks for listening! Please take some form of action from

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1:13:47

The Engineered Recession: 2 Years In, What's Next? w...

Keep The Change ·

2024/10/23

Well, it has nearly been a good two years since the Reserve Bank of New Zealand told us that they were going to be engineering a recession so we thought that two years into this recession it was time to take a look and see what people were saying two years ago.Now that we are deep in it, what should we expect from here? What’s happening with business confidence? Will house prices continue to rise? When will rates slide further? Will they print money again?This one won’t be as optimistic as you may

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28:09

Money Mail 232 - You’ve Never Been More Likely To...

Keep The Change ·

2024/10/21

In the past, earning a six-figure income was a significant milestone, some sort of marker of financial success. But with rising costs and inflation, the purchasing power of $100,000 has decreased. So, setting an arbitrary income goal like "$100,000" might not be the right target anymore. It is believed that about 16% of working Kiwis now earn $100,000 or more. That number will continue to increase. In 2001, that was under 2% of wage and salary earners.Hey thanks for listening! Please take some form

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52:46

ICYWL - You Have Been Lied To, Now What? w Mikey Smith

Keep The Change ·

2024/10/20

This is a re-release of an earlier podcast that other listeners have found very useful.We're really sorry to let you know that you have been lied to on a number of fronts. We think it is becoming increasingly evident by all of you that everything is not what it seems. So what can we do about all of this? We dig in to figure out why more people are feeling uneasy about trying to get a head in New Zealand. Hey thanks for listening! Please take some form of action from this content, don’t just be a

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1:17:40

The Pyramid That Explains Your Situation w Mikey...

Keep The Change ·

2024/10/16

This pyramid holds the answers to so many of life’s questions. Are you currently at survival status, freedom, or purpose? And more importantly where would you like to be when it comes to your financial situation?. This was eye-opening from our trip to the United States and we sat down to reflect on what it means to us and what we’ve learned from it.We also asked the KTC audience where they are aiming for and where they currently sit on the pyramid. The answers are insightful. We explore questions

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50:19

Money Mail 231 - The HOPE Formula

Keep The Change ·

2024/10/14

I was playing with the word hope whilst writing. I had been thinking about how it seems many people have lost a form of hope and that’s a sad place to be. That brings me to the word HOPE. Help Other People Exist If you look at a lot of successful people, they do exactly this. BUT…to help others, first, you yourself have to become helpful!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

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41:25

ICYWL - Money Mail 119 - It Only Took 5 Years To...

Keep The Change ·

2024/10/13

This is a re-release of an earlier podcast that other listeners have found very useful.5 years ago, my business partner and I sat in Fiji tipping over a couple of Fiji golds, scheming how to build a $1,000,000 business. At the time, we had no clients, no revenue, but we did have a relentless desire to make it happen. We are now 5 years on, tune in to hear how it went.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure

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1:01:21

The Ultimate USA Recap w Mikey Smith...

Keep The Change ·

2024/10/09

What a whirlwind trip to the United States of America that was. We’ve had a few weeks to unpack and reflect on the trip to the USA and it’s now time to gather all of those and give you our key takeaways and see how they may be able to help you in your life as well.We also dive into some of the different ways we will now think and act off of the back of the information that we’ve picked up in our time in the States. We talk about scale, the future being bright, Mikey's massive investment, where data

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23:21

Money Mail 230 - Achieve Your Goals…Faster

Keep The Change ·

2024/10/07

Goals. Love em or hate em it’s nearly goal season - the 1st of January. BUT we still have a whole quarter of 2024 to go. And realistically, sometimes we don’t need a new year or big new sexy goals in our life. Why not focus on our current goal and achieving it faster? Let's look at someone doing exactly this and what we can learn.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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36:18

ICYWL - The EXACT Process To Get A Mortgage w Mikey...

Keep The Change ·

2024/10/06

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey is one of the best mortgage advisors in the country and has numerous awards. He sits down to tell us the exact process he takes his clients through when it comes to getting a mortgage. This will help you if this is something that you are looking to do in the following 24 months.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure

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1:01:10

Help NZers Kill Crippling Debt w Money Sweetspot’s...

Keep The Change ·

2024/10/02

Money Sweetspot is here to help reverse that debt spiral and support New Zealanders to regain control of their finances. I sit down with CEO Sasha Lockley to ask her about the impressive debt consolidation social enterprise that is Money Sweetspot. It only started becoming public facing in March 2023 and since then it has helped 600 people with their debt. They do this via ‘debt resets’ that give people a chance to have high interest debt rolled into a cheaper rate, with a single, manageable

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32:09

Money Mail 229 - Inside A Profit & Loss

Keep The Change ·

2024/09/30

Not everyone aspires to be in business and that is fine, but I feel like we can all do with understanding a bit more about how the numbers in a business work. Businesses are constantly tracking a ‘Profit and loss’ statement whichs track their income, their expenses and, therefore, their profit. You might think that reading a profit and loss (P&L) statement is like reading another language? Don’t worry, you’re not alone. We’re about to break it down in a way that’s simple and clear.Hey thanks for

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32:58

Stuck With Purpose? Try This (I Did)

Keep The Change ·

2024/09/29

There is always a lot of chat in society around all of us finding our purpose but this can be really, really, really hard to do. In this episode, I'm going to take you through some of the ways that I have thought about purpose in my life and how I have been able to break the back of it and how I see it as an ever-changing journey. If you're stuck with purpose and think it is what you need to be aiming for this will be a huge help for you.Hey thanks for listening! Please take some form of action from

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38:56

ICYWL - Does Your Mindset Explain Your Financial...

Keep The Change ·

2024/09/29

This is a re-release of an earlier podcast that other listeners have found very useful.We dig into an article that asked the question is being wealthy just a matter of mindset? We go through what the article explains and challenge some of the thoughts in there and try and take some lessons from it also.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

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1:00:49

Is Insurance In NZ Worth It Anymore? w Johny Winstone...

Keep The Change ·

2024/09/25

The cost of insurance has been climbing and many people are thinking about self-insuring themselves - i.e. not having insurance but thinking they will stack money aside to cover eventual issues. But how realistic is this and can it work? I sit down with Johny Winstone who has over 6,000 clients and we discuss all things insurance. I promise it isn’t boring and you will learn something.We explore things like: What are the most common things people insure? Are people ignoring insurance? What we don’t

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37:16

Money Mail 228 - How To Fix YOUR Housing...

Keep The Change ·

2024/09/23

Housing affordability is always a hot topic in this country, and for very good reason. The cost of a roof over our head is a massive issue with many flow on impacts. New research shows almost one-in-five New Zealanders are spending more than 50% of their household income on rent or a mortgage - a report from global infrastructure firm GHD. So what can YOU do about 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

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43:12

ICYWL - Money Mail 149 - Doing it tough out there?...

Keep The Change ·

2024/09/22

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

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