Keep The Change

New Zealand's at a crucial point in our history with infrastructure, where if something doesn't change soon there could begin to be a crisis, so today Im speaking with CEO of Infrastructure New Zealand, Nick Leggett, to find out whats actually happening. Find Nick: Linkedin: https://www.linkedin.com/in/nick-leggett-a054a559/ Website: https://infrastructure.org.nz/ Keep The Change unplugged...

We seem to have a cost of living crisis running alongside a cost of FOMO crisis? The politicians tell us it's the number one election issue. Meanwhilst people are standing in a queue for $17 frozen yoghurt with chocolate on it, queueing online to get tickets to events. And I think social media might be pouring petrol on it. The TikTokification of spending if you will. Let's explore this on...

In my lifetime Ive gone from earning minimum wage delivering junk mail, to being an entrepreneur earning north of $400,000 per year all here in New Zealand. Today Im breaking down my journey, what jobs I had, at what age, how much I earnt and the lessons I learnt alone the way. Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Follow o...

Recently Generate Wealth went out and surveyed 500 people on investing & kiwisaver, so today we're sitting down with Nathan Stanners to summarise 5 of the key themes that get in the way of New Zealanders building wealth. Nathan's worked with over 1,000 New Zealanders as an advisor, seeing whats actually working for everyday Kiwis. Find Nathan: https://linkedin.com/in/nathan-stanners-ge...

What if 2027 is a year of rising interest rates? Could you budget cope? Let's get ready BEFORE it is reality. Don’t build your household finances around the assumption that a political party, a Reserve Bank or a new calendar year is coming to save you. 2027 could be much the same as 2026. Be ready! Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC Hey thanks fo...

Kiwis are awash with debt, buy now pay later, credit cards, vehicle finance, store cards and thats before we even talk about mortgages or student loans. Today we're diving into what these forms of debts are, what you need to be careful of and how you could get yourself out of it. Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Fo...

A couple months ago I sat down with Amy from Guardian Financial Planning to help build out a rough financial plan for myself, including some of my beliefs around money, today we're doing part two of that session diving further into the topic. Enjoy! If you missed part one, you can watch it here: https://www.youtube.com/watch?v=c-mb9TPldY0&t=1371s Amy from Levridge is now leading Guardian F...

I stopped for the same coffee at two different cafés. Café #1 charged me $5.50. Café #2 charged me $6.50. These two cafés are less than 200m apart. So how can two businesses, selling essentially the same product within a couple of hundred metres of each other, have nearly a 20% difference in price? Very easily, let's explore! Pssst...fuel your day with better nutrition (20% off first order): R...

Iyia has built multiple successful ecommerce businesses of her own over the years before shifting towards teaching others how to do the same, today she's on the podcast to share whats working in the world of ecommerce not only for herself, but her students too. Find Iyia: https://www.instagram.com/iyialiu Amy from Levridge is now leading Guardian Financial Planning, helping Kiwi's make sma...

Did you know: In 2022, the S&P 500 dropped 19.44%. It actually plunged nearly 27% from its peak before recovering slightly toward December. Could you stomach that volatility? Becasue plenty of my DMs seem to think that they can't get beat when investing. Are we getting too confident? Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC Hey thanks for listening! Pl...

Darren's not your typical bakery owner, he loves the warriors, uses social media to promote his business and sells his pies for close to double what other bakeries do, and importantly, its working well for him. In this episode we're breaking down exactly how he's done it and what he's learnt along the way about the restaurant/cafe business, content, and what he'd do if he was starting over again t...

I remember my first job. I was about 12 years old, riding around on a one-speed BMX delivering junk mail. New World coupon books were always a test on how many the back and backpack could hold at one time before I needed to reload. I made a video going through all the different jobs I've had and how my income has changed over my lifetime. Something magic happens in the comments when you start talk...

There is a pretty good chance KiwiSaver has just passed $150 billion. The latest numbers from Morningstar as at 30 June 2026 had KiwiSaver at $147.7 billion invested. Since 30 June, sharemarkets have continued trending up and US markets have recently been hitting new all-time highs. It has taken 16 years to hit the first $100billion, so how long until it doubles? Pssst...fuel your day with better...

In this conversation, I sat down with Susannah Batley, GM of Business at Sharesies, to talk about how employees are building wealth through shares in the companies they work for. We get into what the future paypacket is in New Zealand, why salary alone isn’t enough, stories of people building wealth through equity and much, much more. Create an account with Sharesies using the code 'KTC10' and the...

Too many New Zealanders (and people in general) find themselves trapped in a job or situation they don't want to be in, but they simply can't leave because of the financial side of things. Today, Mikey & I are diving into how you can take control of your situation and create a better life for you and those around you. Find Mikey: https://guardiansmith.co.nz/ https://instagram.com/officialmikey...

The development of robotics is becoming a bigger and biggest industry these days, seemingly growing faster than ever, so today Im sitting down with an expert in the field, Lachlan Murray to find out whats happening. Lachlan started his company 'Robomate' and within a few years has grown from 3 to 75 staff, with no signs of slowing down. We dive into what humanoid robots are, how they're going to c...

Last day in South Africa! Here's a recap so far... Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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...

I was reflecting on a top performing podcast from earlier this year focused around building wealth. If I had to boil down a 55-minute conversation with financial adviser James Blair into one sentence, it'd be: Your biggest financial risk isn't making a mistake. It's standing still. Doing SFA. And the election has me seeing clients tell me some of their customers are waiting to commit. Before this...

Nearly three years ago Mikey & I did a podcast about 'the hunting season' a period of your life where you spend 18-36 months focused on getting after what you want. After that resonated with people, and we saw many KTC listeners go through that period, the natural question was; whats next? That brings us to today's episode, diving into the next season required for success, the boring season. I...

First home buyers are grabbing record market share in NZ, making up nearly 30% of all property purchases. I remember going through the process and learning A LOT! It’s exciting, but it's also one of the easiest times to make a bad financial decision. I recently sat down with the CEO of Guardian Smith, Mikey Smith to talk about what their mortgage advisory firm is seeing in the market. Pssst...fuel...

Solar power is all the talk right now, especially after supply chains started creating pressure on petrol prices earlier this year. But is it all hype? Or is there genuinely an incredible opportunity for us to harness the sun and go electric here in New Zealand? Today Im speaking with Mike Casey, founder of Electric Cherries, a cherry orchard in Cromwell powered entirely by electricity and solar....

"I can't find a job." "I can't find good staff." I spend a lot of time talking to New Zealanders and I can hear both of these statements in the same week. It doesn’t make sense? If unemployment has climbed to 5.6%, (the highest in 11 years), shouldn't employers have plenty of people to choose from? Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC Hey thanks for li...

Today Luke sits down with Duncan Wood, founder of Boomfa Vintage, to unpack how a side hustle selling secondhand rugby jerseys on Instagram turned into a full-time business. Duncan shares the mindset shift it took to quit a stable corporate sales job, the fear of breaking the GST threshold that held him back for years, and how posting daily content eventually landed him on the field at an NRL Gran...

Over the past few weeks, things have started to feel...normal again. (I have probably jinxed us now!). Even a mate said to me ‘Yeah it’s nice to have a break from the crises but we are surely due for another one 😂’. The next crisis isn't something you'll see coming months in advance. It will probably arrive in a completely different form to the last one. Let's get ready... Pssst...fuel your day w...

Huia grew up in a single-mum household on Waiheke Island where money was never talked about, then found herself as an adult who was, in her own words, "absolutely the wrong person to have a credit card." She opens up about her tertiary overdraft that took years to clear, the guilt she still feels using money for anything beyond basic needs, and how marrying into a family who talked openly about we...