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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

1:19:57

Economy Shrinking. Sole Traders Expanding w Hnry CEO...

Keep The Change ·

2025/10/05

We sit down with James Fuller, Co-founder and CEO of Hnry, to unpack how recent Budget 2025 changes to KiwiSaver are threatening the retirement security of New Zealand’s sole traders. If you’re a freelancer, tradie, or sole trader or keen on learning from someone who scaled from nothing to 60,000 customers, tune in. James shares insights from Hnry’s joint report with the Retirement Commission, revealing that only 44% of the self-employed contribute to KiwiSaver compared to 78% of employees. With the

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1:09:08

Turning Trauma Into Performance w Sarah Robb

Keep The Change ·

2025/10/01

Why do high-achieving people still struggle with self-doubt, anxiety, and burnout, even when everything looks perfect on paper?I sit down with New Zealand-based mindset coach Sarah Robb, founder of The Breakthrough Blueprint, to unpack the real reasons success doesn’t always silence self-sabotage.Sarah shares how personal loss led her to the world of NLP, hypnosis, psychology, and timeline therapy and how she now helps ambitious people rewrite the mental patterns that hold them back.We talk brain

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36:13

MM 281 - How A Chat With The 'Pay Guy' Changed...

Keep The Change ·

2025/09/29

This one’s from a listener who shows exactly what happens when you take action, even if it starts small. ‘’Now I’ve got no credit card, no car payments, and a better understanding of how money can actually work for me. Your podcast changed the way I think. Now I’m planning how to grow my income and get into a house ASAP. Thank you, bro. I wouldn’t be here without your podcast." Hosted on Acast. See acast.com/privacy for more information.

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1:00:58

NZ’s GDP Shock, Tech Bubble Talk & the Future of...

Keep The Change ·

2025/09/28

Today we sit down with Greg Smith, newly appointed Investment Specialist at Generate and one of New Zealand’s most recognisable market commentators. With two decades in the industry and a regular presence on Newstalk ZB, NBR, TVNZ and the NZ Herald, Greg brings sharp insights and plain-English analysis to the complex world of investing.Together, we cover:Greg’s background in finance and his new role at GenerateThe NZ economy’s recent GDP shock and should Kiwis be worried?Why some property and listed

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51:25

If You’re Not Your Job, Then Who Are You? w Mikey Smith

Keep The Change ·

2025/09/24

Ever stopped to ask yourself: Who am I if I’m not working? Well today we are. In this episode, we dive deep into the topic of identity, exploring how we attach it to our jobs, what happens when work is taken away (thanks AI or unemployment), and why it's so important to know who you are beyond your title. I’ll ask you a few tough questions, share some real-world examples, and challenge you to define you not your job, upbringing, school or the clothes you wear.This is for deep thinkers and something

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44:09

MM 280 - The Remortgage 'Scam'?

Keep The Change ·

2025/09/21

The kitchen might still be tiny. The roof still leaks in winter. The location hasn’t changed. The utility and intended use (shelter and sleep) of many of these houses hasn’t even improved. To be fair, many have depreciated.What changed was the number on the bank’s spreadsheet and therefore…what that number could let you borrow. But now, it feels like we’re seeing the full effects. And it’s hitting the next generations HARD. One generation must pass the debt to the next to keep the whole thing going

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53:07

The Forces Behind NZ House Prices The Economists Miss

Keep The Change ·

2025/09/17

Today we sit down with Nathan Najib, Managing Director of Najib Real Estate in Christchurch, to explore a refreshing perspective on the New Zealand property market.We discuss:•Why Nathan refuses to “spruik” the property market.•The key variables behind house prices in NZ that the economists miss•Whether we really own our homes?•What the future of NZ may look like?While many real estate agents are keen to hype the market, Nathan takes a different approach focusing on transparency, people-first

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36:58

MM 279 - If You Can Buy Now, Pay Later, Can You Save...

Keep The Change ·

2025/09/15

Let’s talk about one belief I keep seeing lately: The 'Have you seen the cost of living? The average Kiwi can't afford to save right now'. I get it. I really do. But you’ve got to be careful not to stay stuck there. Because saving or investing is a habit not a moment. And I’ve seen this thinking in both good and bad economic times. Why, in the tough economic times, will the debt dealers still happily give us money with interest-free finance or buy now, pay later? Hosted on Acast. See

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42:10

Why Is There So Much Financial Uncertainty In New...

Keep The Change ·

2025/09/14

I sit down with Amy Po-Ching of https://www.levridge.co.nz to find out what she is seeing out there and it is one word: uncertainty. Kiwi are stuck with what decision to make and what direction to go in. All of this in a time where we’ve never had more information. Perhaps that is part of the problem? Because realistically, Kiwi today can build more financial certainty than ever before. Drawing on her DIY Financial Plan framework, Amy shares steps she uses with clients to gain clarity on their

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58:53

From Broke Accountant to NZ Millionaire: My Journey |...

Keep The Change ·

2025/09/11

I recently sat down with Willie Leota on the Fresh Moni podcast for a deep dive into New Zealand's economy, the recent budget, and what Kiwis can actually do about their financial situation.Checkout more podcasts from Willie on his channel Fresh Moni: https://www.youtube.com/@willieleotafreshmoni/I believe 100,000 kiwi with better financial literacy will create a better New Zealand. The Generate KiwiSaver Scheme are helping me reach this goal. Cheers Generate. Head to

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44:49

Speed Wins, Not Kills. Why Are Kiwi So Slow? w Mikey

Keep The Change ·

2025/09/10

New Zealanders pride themselves on the laid-back lifestyle but in life, being too cruisey can cost you. In a world that’s moving faster than ever, speed is a competitive advantage. Speed in decision-making. Speed in execution. Speed in learning.First, you have to know where you’re going and what you’re doing it for.While others are still “thinking about it,” you’ve already tested, iterated, and improved. Speed creates momentum. It brings clarity. It exposes what works and what doesn’t, faster.And

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35:14

MM 278 - ‘My Kids Will Have Millions…I Think’

Keep The Change ·

2025/09/08

I overheard an older gentleman talking about how great KiwiSaver is for younger people.He said: “My kids are going to have millions in there by the time they’re 65… I think.”. “I think” were the 2 words that stuck with me. Because I genuinely believe that most Kiwi don’t KNOW.So the first question is... Have you ever run your numbers to see what your KiwiSaver will be at 65?I did this recently via the Sorted website (took me less than 2mins) and actually thought I would have a lot more in there than

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1:35:21

The Retirement Reality Check Every Kiwi Needs to Hear

Keep The Change ·

2025/09/04

I Team up with Jake from Generate and John from Kauri Wealth for this essential retirement reality check that every Kiwi needs to watch.We break down the brutal truth about retirement costs in New Zealand and why most people are nowhere near prepared for what's coming.Key topics covered:The new Kiwi Saver changes: 3.5% contributions in 2025, 4% by 2028Why the $260 government contribution cut actually makes you better offRetirement costs: $99-$1,031 per week depending on lifestyle and locationWhy NZ

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1:06:41

Living Off Equity | Building Tech & Wealth in NZ w...

Keep The Change ·

2025/09/03

Meet Mahesh Muralidhar, the tech executive, investor, and the man on a mission to birth 10 billion-dollar Kiwi startups by 2026.Mahesh shares the lessons he learned scaling global giants like Canva and Airtasker, and why he returned home to lead the charge in New Zealand’s tech ecosystem through Phase One Ventures.We dive deep into:•What’s holding Kiwi tech back and how we can fix it•Why wealth-building isn’t a dirty word in New Zealand•How to think globally (even if you’re starting in a small

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36:59

MM 277 - 44% Of Kiwi Do Not Have An Emergency Fund

Keep The Change ·

2025/09/01

Having an emergency fund has changed my life. Why? Well it changed who I was. So let’s start putting SOMETHING aside. Just like this person did: The assurance and peace it gives you having an emergency fund is second to none! The thing people don’t realise is start small and the relief from stress of your car breaking down or the likes lessens. It’s not too late, get started and save one.Or maybe it's time to bump it up a little for how expensive life has become. Hosted on Acast. See

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46:46

Proximity. Get Around THESE People w Mikey Smith...

Keep The Change ·

2025/08/27

The Power of Proximity: Get Closer to What You Want! Today we define and explore the concept of proximity why getting closer to action, opportunity, and the right people can change your life.As the economy begins to shift, now is the time to lean into environments where people are thinking bigger, doing more, and moving forward.Whether it’s health, wealth, mindset, or momentum proximity is a strategy we can all embrace.We share real-life examples from our own journeys and unpack how you can start

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39:32

MM 276 No one’s immune to money problems (even...

Keep The Change ·

2025/08/25

We each don’t know what each other are REALLY going through.We may all have different incomes. Different realities.But the key to remember? Money doesn’t miss anybody. Instead of wishing for someone else’s life, what if you started reshaping your own? Tidy up one thing. One money issue at a time. Start with where you are and build from there. How could YOUR life be better if you tidied up some of the money issues YOU have? Because, you can! Hosted on Acast. See acast.com/privacy for more

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1:05:22

The Ultimate NZ Emergency Fund Guide

Keep The Change ·

2025/08/20

Recently I teamed up with Lighthouse Financial and Sorted for this emergency fund masterclass, and it's exactly what every Kiwi needs to hear right now. 44% of Kiwis don't have an emergency fund. That's 2.3 million adults walking around completely exposed to life's curveballs.In this session, James from Lighthouse, Tom from Sorted, and I break down:Why you need $1,000 before you do anything elseThe real cost of not having emergency money (hint: it's not just financial)How to calculate your actual

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40:57

'Not Everyone can be a Business Owner’ – No Sh*t

Keep The Change ·

2025/08/18

You see it online all the time: “Not everyone wants to be a business owner. Well, no sh*t. You don't often hear: ‘’Not everyone can be an employee.’’ Right now, over 406,000 Kiwi are currently receiving a form of ‘main benefit’ government support.Imagine if just 10% of those 406,000 people were equipped with boring ole income-generating skills? Why haven't we normalised this? Hosted on Acast. See acast.com/privacy for more information.

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1:43:10

Coach of Champions: Eugene Bareman on ‘Voluntary...

Keep The Change ·

2025/08/18

What makes a great fighter and an even better coach?City Kickboxing head coach Eugene Bareman opens up about his journey into fighting, the critical role of self-discipline, and why mental toughness matters more than raw talent.We explore the reality of big paydays, the resilience required to stay at the top, and how he’s helped shape a culture where even the biggest superstars stay grounded.From humble beginnings to putting New Zealand on the global MMA map, this episode is packed with insight,

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