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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

55:51

9 Years A Teacher to Real Estate. 4x The Income In 3...

Keep The Change ·

2025/06/25

Stuck at the top of the teaching pay scale, stretched with a young family, and watching inflation outpace his income, Fraser Kilgour made a bold move. He left his secure government job to jump into the world of real estate. Backed by nothing more than a strong work ethic, an amazing wife, a leveraged property portfolio, and a desire for more.In this episode, Fraser shares:What it’s like to walk away from a “safe” careerThe mindset shift needed to pursue higher incomeHow he navigated the early

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38:13

Money Mail 267 - I Found The 'Green Shoots'...

Keep The Change ·

2025/06/20

WTF are 'green shoots' that we keep hearing about? It seems like the latest catchy economic term.Green shoots are defined as ‘signs of recovery or growth’. I like the idea of better days coming. I love the idea of ensuring that better days are coming. I recently saw a line about how Kiwi are...‘’looking for green shoots to build confidence…’’. Well, I went looking for some, and I found some for you.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer,

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1:10:00

NZ Property: Where To From Here in 2025? Average...

Keep The Change ·

2025/06/18

We take a big-picture look at the New Zealand property market and where things might be heading in 2025. Are prices set to rise again or are people just hopeful? We explore where property sits in the wider economic cycle, what trends are emerging, and how AI, robots and technology could reshape how we view the value of property in the future. If you’re investing, waiting, or just curious, this one’s for you.This podcast features Mikey Smith of https://guardiansmith.co.nzI have a goal to help 100,000

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31:07

Money Mail 266 - If AI Took My Job...My Plan

Keep The Change ·

2025/06/16

You've probably seen the headlines: "AI set to take hundreds of thousands of jobs!" I saw a tech CEO say 1 in 2 entry level jobs could disappear, and we could see 10% to 20% unemployment due to AI. I am certainly starting to hear more about this in my DMs too. While the disruption is real, and I accept that, so is our ability to prepare financially. I put my brain to it and came up with some practical steps to "AI-proof" your financial future:Hey thanks for listening! Please take some form of action

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1:11:20

She Paid Kylie Jenner $300k & Made $3.5mil In Her...

Keep The Change ·

2025/06/11

We are about to find out because today on the podcast, we’ve got an incredible guest who turned a tiny idea into a huge business…all before turning 23!When Iyia Liu was 21, she bought something cool online called a waist trainer it's and thought, “Hey, if I like this, maybe other girls will too!” So she used her savings (just $6,000) to buy a few and sell them online. At first, she just hoped to sell ten a week. But her idea exploded.In just one year, Iyia sold over $3.5 million worth of waist

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51:27

Money Mail 265 - Who REALLY Isn’t 'Paying Their Fair...

Keep The Change ·

2025/06/09

The ‘paying their fair share’ slogan is a goodie as no one can define ‘fair share’. Anyway, interestingly, I overheard a story where a pensioner receiving superannuation had a flatmate in their sleep-out (not a boarder, but they’ll probably see it as a boarder (different tax rules) and they ask to be paid that rent in cash. Why would they do this? My mind went to probably avoiding declaring it and therefore paying tax on it. Many everyday Kiwi cheekily bend the rules too. Sometimes it’s intentional

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36:32

ATF - Why The Hunting Season Is A Must w Mikey Smith...

Keep The Change ·

2025/06/08

This podcast was first released in December 2023 and has been an all-time favorite podcast from the audience. If you missed it, this could be worth tuning into. Mikey comes in all guns blazing around why everybody needs to experience the hunting season, and no we ain't talking about knocking over a couple of deers or goats. In this podcast we will explore what a hinting season is and how 18-36 months of your time could change your life projection. Hey thanks for listening! Please take some form of

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1:16:15

NZ Economy: When Will It Get Better? w Mikey Smith...

Keep The Change ·

2025/06/04

He’s back! We finally tracked him down and ask him what he is seeing out there. In this episode, Mikey Smith (mortgage advisor & CEO of Guardian Smith) joins us to unpack the current state of the New Zealand economy.We dive into the key changes from the recent Budget, what’s happening in the mortgage and housing market, and the bigger picture of where we’re at in the economic cycle.Are we past the worst of it?Could things start to pick up in late 2025?We bloody well hope so!Get real insights

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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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