Keep The Change

I was playing with the word hope whilst writing. I had been thinking about how it seems many people have lost a form of hope and that’s a sad place to be. That brings me to the word HOPE. Help Other People Exist If you look at a lot of successful people, they do exactly this. BUT…to help others, first, you yourself have to become helpful! Hey thanks for listening! Please take some form of action f...

This is a re-release of an earlier podcast that other listeners have found very useful. 5 years ago, my business partner and I sat in Fiji tipping over a couple of Fiji golds, scheming how to build a $1,000,000 business. At the time, we had no clients, no revenue, but we did have a relentless desire to make it happen. We are now 5 years on, tune in to hear how it went. Hey thanks for listening! Pl...

What a whirlwind trip to the United States of America that was. We’ve had a few weeks to unpack and reflect on the trip to the USA and it’s now time to gather all of those and give you our key takeaways and see how they may be able to help you in your life as well. We also dive into some of the different ways we will now think and act off of the back of the information that we’ve picked up in our...

Goals. Love em or hate em it’s nearly goal season - the 1st of January. BUT we still have a whole quarter of 2024 to go. And realistically, sometimes we don’t need a new year or big new sexy goals in our life. Why not focus on our current goal and achieving it faster? Let's look at someone doing exactly this and what we can learn. Hey thanks for listening! Please take some form of action from this...

This is a re-release of an earlier podcast that other listeners have found very useful. Mikey is one of the best mortgage advisors in the country and has numerous awards. He sits down to tell us the exact process he takes his clients through when it comes to getting a mortgage. This will help you if this is something that you are looking to do in the following 24 months. Hey thanks for listening!...

Money Sweetspot is here to help reverse that debt spiral and support New Zealanders to regain control of their finances. I sit down with CEO Sasha Lockley to ask her about the impressive debt consolidation social enterprise that is Money Sweetspot. It only started becoming public facing in March 2023 and since then it has helped 600 people with their debt. They do this via ‘debt resets’ that give...

Not everyone aspires to be in business and that is fine, but I feel like we can all do with understanding a bit more about how the numbers in a business work. Businesses are constantly tracking a ‘Profit and loss’ statement whichs track their income, their expenses and, therefore, their profit. You might think that reading a profit and loss (P&L) statement is like reading another language? Don...

There is always a lot of chat in society around all of us finding our purpose but this can be really, really, really hard to do. In this episode, I'm going to take you through some of the ways that I have thought about purpose in my life and how I have been able to break the back of it and how I see it as an ever-changing journey. If you're stuck with purpose and think it is what you need to be ai...

This is a re-release of an earlier podcast that other listeners have found very useful. We dig into an article that asked the question is being wealthy just a matter of mindset? We go through what the article explains and challenge some of the thoughts in there and try and take some lessons from it also. Hey thanks for listening! Please take some form of action from this content, don’t just be a c...

The cost of insurance has been climbing and many people are thinking about self-insuring themselves - i.e. not having insurance but thinking they will stack money aside to cover eventual issues. But how realistic is this and can it work? I sit down with Johny Winstone who has over 6,000 clients and we discuss all things insurance. I promise it isn’t boring and you will learn something.  We ex...

Housing affordability is always a hot topic in this country, and for very good reason. The cost of a roof over our head is a massive issue with many flow on impacts. New research shows almost one-in-five New Zealanders are spending more than 50% of their household income on rent or a mortgage - a report from global infrastructure firm GHD. So what can YOU do about this? Hey thanks for listening! P...

This is a re-release of an earlier podcast that other listeners have found very useful. The number of people struggling financially is really starting to increase. Nearly 12% of Kiwis are currently behind on their debt repayments: personal loans, credit cards, BNPL etc. For some reason, it can be really hard for us Kiwis to ask for help. It seems to be something we’ve mastered - not asking for hel...

I review some UBS wealth data that analyses the percentage of people in different brackets of wealth all around the world. You might be surprised how wealthy you are compared to other people in the world. Or what it takes to have $1,000,000 of wealth. 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 subscribe...

Paul Quickenden is the Chief Commercial Officer from the New Zealand company Easy Crypto and sits down to explain to me what crypto even is, if Bitcoin will reach a million bucks, how many people are using Easy Crypto every year and then answer a stack of your questions.  The idea of this podcast is to bring you some information about cryptocurrency to demystify the space and that is what Eas...

One of the positives to this tough economy is that people are learning a lot more about money and finance than they normally would. They are having to pay attention. That’s a huge win if you ask me. But I would call that a positive! As we have moved from the boom to the bust part of the cycle, we have been forced to learn. I asked the KTC community what they were learning through this tough econom...

This is a re-release of an earlier podcast that other listeners have found very useful. Scotty from SMProperty.co.nz joins us to tell us about how he helps first home buyers get on the property ladder and he also takes us through his journey going from 0 to 10 properties and the ups and downs along the way. Hey thanks for listening! Please take some form of action from this content, don’t just be...

‘What are your thoughts’...My response is often not to provide my thoughts but to ask them the same question back. ‘Well, what are your thoughts?’. Because you must have some. And they are valuable. You are capable of making decisions. Before you ask others for their thoughts, think about these questions... Hey thanks for listening! Please take some form of action from this content, don’t just be...

Retirement is a hot topic and today we are diving deep into it! Jane Wrightson is The Retirement Commissioner and part of her role is reviewing and reporting to the Minister of Commerce every 3 years on the retirement income policies implemented by the government so we explore her thoughts on some of the current retirement and pension settings.  We explore KiwiSaver and what could be done bet...

Well shit, we thought we were on our way home but no. We have had to cop another day in the massive country that is America due to an air conditioning unit in a plane. We find our way to Houston and make sure we don't waste the day. Tune in to find out what we have been up to. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer!...

Its the last day of our time in America, and we sit down at the airport to wrap up our final thoughts from what has been an amazing chance to learn and grow. We can't wait to get back to New Zealand and see a number of you at our KTC event on Thursday night. 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...

You wouldn't bloody read about it, we have bumped into Hamish Taylor from @yachtiesof_nz who we have done a podcast with previously. We are in the camp of all of the staff who work on the super yachts here in Florida, America. Tune in to get an insight into how accessible this life style is to you and a New Zealander. Hey thanks for listening! Please take some form of action from this content, don...

This is a re-release of an earlier podcast that other listeners have found very useful. Lately, we’ve been talking about prices going up and most people are probably just skimming past it thinking it doesn’t apply too much to them. I’ve put together a practical exercise you can do over the weekend. If you are brave enough, you need to look at EVERY cost in your life. This isn’t fun, but neither is...

It is the conference's final day and the big climax is here as the big D, Dwayne 'The Rock' Johnson talks to us for nearly 2 hours. In this podcast we go through some of the lessons we have had from our time here and what we will be taking back to New Zealand. We also do a reflections podcast and wrap up some of the things we have forgotten about tomorrow, so see you then. Hey thanks for listening...

On day 4 we rip into another day at the conference and learn about customer service and what will happen with AI in the coming years. We also have some thoughts about how religion and god are quite important to people here and how that gives people a lot of guidance. Plus the usual 48 tangents, we have definitely forgotten to cover some things, so we will do that on day 5. Hey thanks for listening...

We are back after a very long first day at the conference. We are reporting in with our latest lesson from a very eye-opening conference. 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 Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay...