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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

MM 290 - Why I Went To Queenstown To Plan The Next 12...

Keep The Change ·

2025/11/27

We hit pause on the day-to-day noise and take a step back to ask ourselves the big questions. Where do we want to be in 12 months? What about in 5 years? What needs to happen this quarter to get us moving? We talk openly about what’s working, what isn’t, what work we want to do, and where we want to push ourselves. Summer and the end of a year is great time to do this. Take it seriously too! You don’t need to have it all figured out. You just need to get started. Take some time to dream. Make a

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1:01:38

The Strengths Coach Who Helped Change My Life:...

Keep The Change ·

2025/11/26

Someone once told me to focus on my strengths. I said how. They showed me the Gallup’s StrengthsFinder to figure out what I’m actually good at, and what to stop wasting time on. Then the maximiser in me wanted to go deeper on this so I linked up with an incredible human. In this episode, I’ve convinced my secret strengths coach, Suze Oh, to join me for a deep dive into how understanding your natural talents can change the way you work, lead, and live. It certainly did for me. We unpack my Top 10

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36:22

MM 289 - Overtaxing Kiwi Leads Them To Want To Work Less

Keep The Change ·

2025/11/20

Every week in NZ, people turn down overtime, stop pushing for bonuses, or refuse side work because they think it’s not worth it. Is that right? Some are even convinced they received less, for working more. The old accountant in me couldn’t help but step in and ask a few questions to try to help.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

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1:10:20

New Zealand's Population Crisis: What's Really...

Keep The Change ·

2025/11/16

For 12 months, 70,000 New Zealand citizens have left to live overseas. 60% went to Australia. That's the highest we've ever seen.Our most popular guest yet, Professor Paul Spoonley is back to break down what's really happening: we're losing young graduates, skilled workers, and even 30-somethings who've been in our workforce for years. Meanwhile, net migration has dropped to just 10,000, we've "emptied the coffers" on population growth.The economics are brutal, Australia's offering higher wages on

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39:56

MM 288 - Only 21% Of People Are Engaged In Their Work...

Keep The Change ·

2025/11/13

Only 21% of people globally are engaged in their work. That means almost 4 out of 5 people are turning up each day to something that doesn’t really light them up. Crazy, right? Well, probably bloody normal based on the stats. But for me, that’s hard to relate to. So I asked the Keep The Change audience: “Why stay in work you’re not actually engaged in?"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

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59:37

What Every NZ Family Needs to Know About Retirement...

Keep The Change ·

2025/11/12

Most Kiwi families have no idea what's coming when their parents age. Then they get hit with legal bills, family fights, and financial shocks they never saw coming.Emily Silby breaks down the legal reality every family will face: enduring power of attorney, wills, retirement village contracts, and rest home subsidies. We cover the 30% deferred management fee, why you don't actually own anything in a retirement village, and what happens when your parents can't make decisions anymore.The numbers are

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37:38

MM 287 - The End Of Tax-Free Property Gains?

Keep The Change ·

2025/11/06

Labour’s Chris Hipkins has put his chips on the table with a Capital Gains Tax. Yep the one that’s always been political poison in New Zealand. Will Labour win an election on this? Don’t know but credit to them getting this out in the public a year before the election so that people can sit with it and have epic Xmas arguments with their family. Let's explore a quick summary of how it would work.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer,

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53:35

The State Of Men’s Health in NZ w Movember’s Robert...

Keep The Change ·

2025/11/05

Every November, we see the moustaches pop up but what’s really behind the movement?In this episode, we sit down with Robert Dunne, Movember’s New Zealand Manager, to dig into the story behind the mo. We talk about how the campaign started, his involvement, what’s changed in Kiwi men’s health, and why it’s still so hard for blokes to open up.We also cover some tough conversations, and how small actions like growing a moustache can have massive ripple effects for men, families, and communities.This

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45:45

MM 286 - What The Wealthy 20% Of Households Own In NZ

Keep The Change ·

2025/10/30

Stats NZ dropped some new household wealth data recently. And apparently…we’re richer. The median Kiwi household is now worth $529,000. Remember 'worth' is assets minus liabilities. That median Kiwi household figure is up from $399,000 in 2021. What can we learn from the wealtheir households?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

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1:04:36

3 Kids, 30 Ideas. Doing It Sustainably w Rita...

Keep The Change ·

2025/10/29

Sustainability isn’t just a buzzword for Rita, it’s become a core driver of long-term business success. In this episode, Luke sits down with Rita Hammond, founder of Sustaina Grow NZ, to explore how Kiwi businesses can embrace sustainable practices without sacrificing profitability.Rita shares how Sustaina Grow started while juggling three children under three, relief teaching, and an obsession with building a business that mattered. What began as a passion project has grown into a brand that makes

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33:38

Will My Parents Be Able to Afford to Retire? w Amy...

Keep The Change ·

2025/10/27

Retirement planning isn’t just for you it’s for your whole family. In this candid conversation, I ask Amy to explore the tough but necessary questions about whether your parents (or you) are truly on track.Using insights from Amy’s step-by-step guide, we cover how to assess spending, assets, and retirement gaps; why compounding and smart debt repayment do the heavy lifting; and the practical conversations families should start having now. Whether you’re 30, 50, or helping Mum and Dad, this episode

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2:09:14

Waiting For NZ's Economy to Get Better Won't Work......

Keep The Change ·

2025/10/24

New Zealand isn't the same country it was five years ago. But most Kiwis are still living like it is.We've shifted from a factory economy to a skills-based economy, but everyone's still thinking like it's 1995. While you're waiting for your 2.6% pay rise, house prices are forecast to grow 6% annually. The math doesn't work.Mikey and I break down what's really happening: why everything feels harder, why traditional employment isn't cutting it anymore, and why some people are thriving while others are

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36:59

MM 285 - Don’t Forget Who Helped You Get Here

Keep The Change ·

2025/10/23

Too many of us have become weak in our reasons. Reasons are very powerful because they carry emotion and can pull us forward. If you haven’t, I would strongly suggest doing some work on your reasons (often called your why, purpose etc.) and drilling into things that are really emotionally powerful for you. We also forget WHO got us here. I was reflecting on this personally recently when doing some planning and I thought it might help you.Hey thanks for listening! Please take some form of action from

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52:10

Build Wealth Buying Into the Business You Work For:...

Keep The Change ·

2025/10/22

Most Kiwi employees are sitting on a goldmine and don't even know it.Your boss is probably over 50 and they're thinking about retirement but haven't figured out succession. Meanwhile, you're trading hours for dollars, watching house prices outpace your wages by more than double.Here's what they don't teach you: You can buy into the business you already work for with ZERO cash down.Phil Smith walks through the exact process, from having "the conversation" with your boss, to structuring vendor finance

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39:26

MM 284 - Need More Money Before The End Of The Year?

Keep The Change ·

2025/10/20

This Money Mail is inspired by my client, who is a business that turns over hundreds of thousands of $$$ and feeds mouths + provides opportunities. What they do, is tested and works. Success leaves clues. I hope you turn this idea into money and have your best Summer yet. Most people wait around hoping money will somehow turn up, but it won’t. So do 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 you’re

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41:36

Speaking To NZ University Students About Money

Keep The Change ·

2025/10/17

I headed to Auckland University to talk with first year students about the money lessons you’ll never learn in a classroom.We covered:Why NZ schools and Uni's don’t actually teach you how to make moneyThe real skills that matter for building wealth (and why most people miss them)How to break out of the “get a job, work hard, hope for a pay rise” mindsetThe biggest money myths young Kiwis still believeMy own journey from paper runs and student jobs to financial freedomHonest answers to students’

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1:03:51

Prepare For NZ's Trillion Dollar Wealth Transfer...

Keep The Change ·

2025/10/15

Over the next 25 years, New Zealand will undergo the largest intergenerational wealth transfer in its history between $1 trillion and $1.6 trillion in assets moving from baby boomers to their kids and grandkids.But here's the problem: as lawyer Andrew Clements puts it, we're approaching this tsunami with "all the sophistication of a kids' game of pin the tail on a donkey."In this conversation, Andrew breaks down:- Why 90% of family wealth is lost by the third generation (and how to beat those odds)-

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29:49

MM 283 - $100 For You & $100 For 'Them'

Keep The Change ·

2025/10/13

The challenge is simple.Make $100 for yourself. Give $100 to a random. This is a challenge to look around and notice the people who could use a bit of kindness, especially during the festive season. I continue to believe that a little act of generosity can lift someone’s spirits in ways you and I can’t imagine. And this is certainly what the feedback reminded us last year! Recipients were stoked, surprised and some even cried! Who's up for the challenge?Hey thanks for listening! Please take some

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38:43

MM 282 - My KiwiSaver Goes From $100k To $150k In 18...

Keep The Change ·

2025/10/06

Recently, my KiwiSaver balance ticked over $150,000. Out of curiosity, I looked back through my monthly tracking sheet and saw that only 18 months ago, it was sitting at $100,000. In earlier Money Mails (#198), I shared my goal of hitting $100k so the “snowball” could really start rolling. Just like Charlie Munger talks about. Watching it leap from $100k to $150k in less than two years has been quite phenomenal. However, I am not getting too carried away. Hosted on Acast. See acast.com/privacy for

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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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