Keep The Change

What does it mean to live a life of abundance? In this episode, we explore the mindset, habits, and actions that lead to true prosperity. This is also more than just financial wealth. We discuss tactics of how to shift your focus from scarcity to gratitude, and from fear to opportunity.  We unpack some of our key principles of living abundantly, including financial freedom, giving, and p...

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 t...

Did you know: in NZ, those born before 1966 currently hold 60% of NZ's $2.29 trillion total individual net wealth. The estimated value that will be transferred by those aged over 55 in the next 20 years will be approximately $1.11 trillion - Business and Economic Research Ltd. We are living through one of the largest transformations of wealth and knowledge EVER. Get READY! Hey thanks for listenin...

We struggled with this one but it was needed before we record ‘Living a Life of Abundance’. This is why it’s only 10 minutes! So…are you caught in a cycle of scarcity, where there’s never enough time, money, or opportunities? Are you caught in a life of ‘lack’? In this episode, we dive into what it means to live a life of lack, exploring the tell tale signs of a scarcity mindset and how it affects...

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 t...

Back in 2021 (Money Mail 83) we started talking about pay cuts for NZers because interest rates were about to rise and impact a number of people. This meant a pay cut for a household budget that now had to pay higher interest costs. But we are now into the reverse. The pay rises have begun for some!!!! With rates falling, the financial relief will reach households faster because there is so much r...

Simon Phillips returns to the podcast with more wild tangents and hard-earned wisdom than you can imagine. You may remember Simon as the founder of Fitwear, the brand that skyrocketed to over $3 million in annual sales, before it all came crashing down, leaving him in massive debt and back at home owing hundreds of thousands to his parents. Now, with his debt cleared and a fresh outlook, Simon is...

If you don’t decide what enough looks like, the world will decide for you. And the world’s answer will always be “more.” Because, as I said, there’s profit in keeping you striving. When we’re stuck in a cycle of constantly chasing more, we can lose sight of what we truly want. That’s why defining what enough looks like is crucial. So, how do YOU define enough? It’s personal and it's up to you. Let...

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 t...

You’ve escaped survival mode and now you’re being marketed to to give your excess cash to the machine. Wait, what machine? You’re about to find out.  Have you ever felt like you're working hard just to keep up appearances, keep up with the Joneses(who TF are they anyway?), to get a better title, to feel important? That’s status mode; a trap where self-worth is tied to possessions, titles, or...

'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...

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 t...

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 h...

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...

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 t...

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 journ...

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...

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 t...

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,...

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, foc...

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 t...

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 yo...

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 wit...

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 mone...

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 t...