Keep The Change

Well, it is finally here the mega pod to help you understand how to think differently and where your thoughts even come from to start with. You won't want to this podcast because we dive into ways for you to help improve your thinking and therefore your life and some of the principles behind this. We would love to know what your biggest takeaway from this podcast is so please send us a message onc...

"You cannot overtake 15 cars in sunny weather…but you can when it’s raining.” Now that the rain is here and the difficult times appear to be more in our faces than previously, how do we keep our eyes on the prize and continue to make progress? If other people aren’t willing to get out there and take action to sort out their issues, that’s not your concern. What is your opportunity is that you’ve g...

In this podcast we let one of the most powerful people in the world talk to us like children and tell us there is nothing to be worried about. We dig back into the archives to see what we were told about inflation here in NZ over the last 2 years too. Buckle up and accept that the powers that be may not have the answers we hope they do. Hey thanks for listening! Please take some form of action fro...

You might be surprised to know that over 400,000 of our 546,000 businesses in NZ hire 0 staff. I think this is single-handedly our biggest opportunity in New Zealand. If they’re solving a problem in the market that can be scaled, imagine if we could teach these people to be employers and to scale? (IF they want to!). Let's look at some stats! Hey thanks for listening! Please take some form of acti...

Everybody loves to believe that property doubles every ten years but maybe we need it to when we factor in the cost of the things we need to pay for in the lifetime of a property. In this example, we will look at purchasing a home over a ten-year window and the things that you should consider paying for during that ten years. Hey thanks for listening! Please take some form of action from this cont...

Well well well it's finally here the recession has hit. Is it time to freak out or is it time for keep the change listeners to continue to stick to the basics and prepare themselves for what could be further to come. In this episode will explore what this means and what we could be about to go into. Never fear we've got your back! Hey thanks for listening! Please take some form of action from this...

Recently there were changes to the LVR rules so we asked Mikey what the hell that means and also get an update from him about who is borrowing property at the moment because he has been a busy lad as always. 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 r...

Buying a property can be scary enough from a financial perspective before even thinking about the law. Angus from HouseMeLegal.co.nz stops by to tell us all about the process and what you need to watch out for. It doesn’t need to be daunting if you follow Angus’s BUYIT process. Angus runs us through that and some of the most common mistakes people make when buying. Free: Buying Checklist Hey thank...

For many of us, we price things in a unit we can measure. I.e. If you earn $30 an hour, you may price a $150 bag as 5 hours of work. Don't forget about taxes!!! It can often be good for us to understand how many hours of work items will cost us. This may encourage or discourage you to purchase it. Let's understand this better... Hey thanks for listening! Please take some form of action from this c...

There are constant articles and everyone is talking about how the bottom of the housing market is here, let's dig into this and find out why maybe that is not the case. 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 f...

Mikey tunes in to a webinar with a leading economist from New Zealand who predicts things are going to get very grim here and we are still some time away from this. Mikey takes us through the data to back this up and then we explore some of the ways we could be preparing and what we need to be thinking about if this is the case. Hey thanks for listening! Please take some form of action from this c...

Recently a man from America really caught Luke's ear and eye and in this episode we will look at how this happened and what it is that they are talking about that has gotten so much of Luke's attention that he has nearly fallen. 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 Kee...

From the 1st of April 2023, interest incurred on rental properties will now only be 50% tax deductible. We are going to learn about this because it’s actually quite a big deal and something you will hear a fair bit about this year. Before we do, let’s go back to basics....New Zealanders have long had an obsession with rental property investment. Hey thanks for listening! Please take some form of a...

The Reserve Bank increased the OCR (Official Cash Rate) for the 12th straight time. It now sits at 5.5%. The Reserve Bank, have forecast out into the future and, at present, the OCR looks to have peaked and will decline from here to be just above 3% in 2026. That will no doubt excite a lot of people. But given that it's been so uncertain, it’s not easy to trust the experts in charge at the moment,...

The NZ budget is out again this week and we explore whether we need to change the question of 'whats in it for me?' to 'whats in it for NZ?'. The annual NZ budget always carries a lot of opinion and criticism but it is important to think about your own budget and what you are doing to monitor your money. Let's explore Hey thanks for listening! Please take some form of action from this content, don...

Mikey was recently asked what it is like to not have to care about money. In this episode he breaks down how he answered this question. Just to be clear Mikey does care about money but the perception from the person who asked him this was that he doesn't so let's explore how he thinks about this and what he told the person who asked. Hey thanks for listening! Please take some form of action from t...

We did it, 3 years of KTC! The very first edition of Money Mail went out on the 22nd of May 2020. There were 201 recipients. Things looked a little different back then as we navigated a pretty unique time. 3 years on, there are now over 7,500 readers each week. There were over 27,500 listeners to the podcast in April 2023. So what have we learnt? Hey thanks for listening! Please take some form of...

Luke ventures to the Philippines for a week and sits down with Mikey to go through his lessons from the week. Shit, it was good to be back in a country where youe money can go a little further. Tune in to hear about some of the tales, the different parts of the Philippines, and what we can also learn. Hey thanks for listening! Please take some form of action from this content, don’t just be a cons...

Is being selfish a good or bad thing, or neither? We dig into different situations where you’ll be considered to be selfish even when you might be doing the right thing. There is no winning when it comes to using the word selfish. Check this one out! 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...

Mikey rolls into the stupid with hard data to back up the fact that guys want cars for more than just marketing. Has Luke got it wrong this whole time and it comes back to our desire to have independence and take risk? Let’s be clear we are not advocating for racking up debt to have a fancy car but maybe you can be forgiven for swapping a stack of cash for one? Hey thanks for listening! Please tak...

Have you heard people talking about ‘The Lost Decade’? What is that all about and how should we prepare ourselves. We hear from legendary investors, historians and turn how minds to ensuring we don’t stagnate in a time where markets could not be like what they used to be. Just because companies aren’t growing, doesn’t mean we can’t. Let’s get stuck in. Hey thanks for listening! Please take some fo...

Well, Luke made it back in one piece from Vegas and sit down with Mikey to discuss the things that he noticed about America including how big it is, how expensive it is, and how you almost feel a little freer when you're in the land of the home of the brave. 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 su...

Luke's partner stops by the studio and they record an impromptu podcast about the differences and the ways that they both see money and some of the challenging things that they have faced through their relationship as well as some of the lighter moments. 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 subscr...

We read through a number of your financial stories sent in by Keep The Change listeners and readers as you explain the journey you've been through there are a number of inspiring stories in here from people who have been through high levels of debt and have gotten through to the other side. Enjoy! Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer...

Jamie popped into the studio to discuss his journey from changing jobs and backing him self in business and how he went about it including selling his house to give him the chance to do so. Everyone can learn something from this podcast! 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 Mai...