Keep The Change

This is where BNPL and credit cards are so dangerous as you ‘feel’ like you can get away with it. You don’t pay & nothing really happens. It’s in the credit providers' interest that you don’t pay so that the stinging interest & late payment penalties kick in. That’s where they make their money. This is why I suggest you remove the temptation and GET RID of BNPL, drop your credit card limit. Hey th...

This is Mikey's theory on why playing the long game will ensure you never lose in whatever area it is that you are trying to get ahead in. Tune in and get an understanding of how you can apply this to your life. 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...

Luke and Mikey sit down and dig into an ASB KiwiSaver tool to figure out how much you need to set aside to ensure you have $1M when you reach age 65. 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....

In New Zealand, we seem to be busier than ever and all feel pretty time-poor but, we also get given a lot of days off. 146 days where we don't necessarily need to be at work. Divide this by 365 days of the year. 40% of the year, people in full-time employment are not required to be at work. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, becom...

Grant Cardone owns over $1 billion worth of property but he's telling us not to buy a home, what is he trying to teach us when explaining this? Is this a conspiracy or is there something to 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 subscribed to Money Mail via Keepthechange.co.nz to receive our w...

Jamie is the winner of our $10k investment into someones idea. This is our first catch up with Jamie to help her figure out how to turn this side hustle into a business. Tune in and follow her progress as well as what you can learn from it. 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...

Remember that a lot of people will be too scared to put the heads up above the clouds and if you are brave enough to do it you can get yourself a further down the path in your chosen area in New Zealand. 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 recei...

This week the Reserve bank undercooked their forecast for inflation and it came in at 7.2%. Even bank economists were off the mark - but are we surprised? There had been chat about inflation cooling but we only saw a 0.1% drop from the prior quarter. Remember that inflation is going to be here for some time, so we need to understand it and keep an eye on the impact on it for ourselves personally....

Have a think about these four things and whether you could be investing in them whilst all markets seem to be going backwards all around the world. 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. St...

Some time ago, I mentioned an insurance scheme that the government is looking to introduce. This was an announcement quite some time ago (Budget 2021) and is still not yet confirmed. BUT the hunch is that it will become something because it’s a pretty good legacy for a government in power to leave. So what the hell is it? Hey thanks for listening! Please take some form of action from this content,...

New inflation data in today means that interest rates could go up even higher. What does this mean for all markets including your favourite the housing market? 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...

Mikey takes us through the 7 society rules that he thinks we should throw in the bin. Tune in and unlearn what you may not believe. Let us know what you think. 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...

This is the concept of picking one thing each year that you can add to your skillset. Mikey explains it and Luke reveals his one thing for 2023 and beyond. 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 lite...

In this episode we look at listener feedback to our recent podcast about ‘fark paying someone else’s mortgage’ plus a couple of other questions. This is the concept of picking one thing each year that you can add to your skillset. Mikey explains it and Luke reveals his one thing for 2023 and beyond. Hosted on Acast. See acast.com/privacy for more information.

Ever bought a car in 15mins? Luke has. And this led to him having no idea where to pick it up from. This is a podcast about decision making and slowing down to speed up. 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...

If time is money, is money time? How can we put more time back into our lives? Here are some more of the ways I have put time back into my day in order to spend that time on the things I want to do. I hope they get you thinking. Remember: you do you, these are IDEAS. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure...

Mikey takes us through his so called ‘holiday’ where he tries to figure out what makes Singapore tick. This is an insight into Mikey’s brain, enjoy. 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 Keethechange.co.nz to receive our weekly lesson on money and financial literacy. St...

Simon Phillips from The Magnitude Group stops by to give us insights into scaling up a million dollar ecom business. He also gives us insight into his journey along the way and chats about the training course he created for anyone to be able to improve their e-commerce and digital marketing knowledge. Hey thanks for listening! Please take some form of action from this content, don’t just be a cons...

New Zealanders work about 10% more hours per person than workers in the average OECD economy. Kiwis also produce about 20% less output than workers in the average OECD economy. Unfortunately, this is part of why average incomes and wealth in NZ are both significantly below the OECD average. So what can we do about it? Don't be like other Kiwis is a good starting point! Hey thanks for listening! Pl...

Luke and Mikey sit down to discuss whether or not you can still get a mortgage in the current climate (September 2022). 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 med...

Luke sits down with Izzy Whitley from Aotearoa Labour Hireto to discuss his six years in business and his goal to turn over $100 million a year. Tune into this inspiring hour of his lessons. 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...

Mikey and Luke are asked for their thoughts on travel and whether it is 'worth it' or not? Of course this is different for everyone but here are some things you may not have thought about. 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 l...

The video Luke was too scared to post. Luke and Mikey discuss the concept you always see on social media 'fook paying someone else's mortgage'. Luke thinks this is 'limited' thinking and can take you down a wrong path if you don't be careful of when to apply it. See what you think Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a produc...

Mikey and Luke try to unpack for you the theory that you just need to start and figure it out as you go. You have what you need to start, you become the person you need to be to achieve what it is you want to achieve. Just start!!! 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...

This week we take a look at how the government are preparing the country for the cost of retirement and what we can learn from this too. It's a long game and we need to be thinking about it. You'll learn how much the govt have invested in a giant fund to generate returns to offset the cost of kiwis retiring. Hey thanks for listening! Please take some form of action from this content, don’t just be...