Keep The Change

Well, a lot of markets are roaring after the change in President in America. I decided to go back and see how much some of my investments have increased over the last week and then give you some thoughts on whether this really matters or not? 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 Mone...

Paul is back in the hot seat to get us thinking about what New Zealand will look like in the future. We’ve gone from record immigration to 80,000 NZ citizens leaving and people not wanting to come here. What is behind this?  We explore the ageing demographic and what that will mean for the makeup of the country and the economy. It is very important that you understand this. Will it be a compl...

Many of us are still sitting here asking ‘is it a good idea to invest?’. I think this actually means ‘I am scared to invest because I don’t want to lose money’. That makes more sense to me. But...by not investing, in some way, you are already watching your money go backwards in terms of what it can buy. Let's rip into this objection to investing. Hey thanks for listening! Please take some form of...

This is a re-release of an earlier podcast that other listeners have found very useful. 30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. Hey thanks for listening! Please take some form of action from this content, don’t just be a co...

I sat down with Jake Mickleson who is a KiwiSaver advisor with Generate KiwiSaver Scheme and we ran through some of the balances of different age ranges of KiwiSaver contributors across New Zealand AND then compared these across the Generate KiwiSaver Scheme members. Where do you sit? We also look at a recent retirement study that tells us how much is needed for retirement. This will be eye openin...

Recently, I asked people IF THEY WANTED TO INVEST BUT HAVEN’T YET, how come. Sorry I had to yell and use bold so that you read that question properly. Before I summarise what I think the key 3 are, know this: You have TO WANT TO invest and that will help get you started. You’re on your own, but the guard rails are up so high that you’re so unlikely to hit a gutter ball long term. Stop aiming for a...

Well, it has nearly been a good two years since the Reserve Bank of New Zealand told us that they were going to be engineering a recession so we thought that two years into this recession it was time to take a look and see what people were saying two years ago. Now that we are deep in it, what should we expect from here? What’s happening with business confidence? Will house prices continue to rise...

In the past, earning a six-figure income was a significant milestone, some sort of marker of financial success. But with rising costs and inflation, the purchasing power of $100,000 has decreased. So, setting an arbitrary income goal like "$100,000" might not be the right target anymore. It is believed that about 16% of working Kiwis now earn $100,000 or more. That number will continue to increase...

This is a re-release of an earlier podcast that other listeners have found very useful. We're really sorry to let you know that you have been lied to on a number of fronts. We think it is becoming increasingly evident by all of you that everything is not what it seems. So what can we do about all of this? We dig in to figure out why more people are feeling uneasy about trying to get a head in New...

This pyramid holds the answers to so many of life’s questions. Are you currently at survival status, freedom, or purpose? And more importantly where would you like to be when it comes to your financial situation?. This was eye-opening from our trip to the United States and we sat down to reflect on what it means to us and what we’ve learned from it.  We also asked the KTC audience where they...

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...