Keep The Change

If you’re an employee, by the time you get paid there is a high chance you will have already spent a chunk of your pay. The govt take from us, then the bank, then the big corporates and then we have whats left over to play with. So why do they do this and how can we use these tactics toward achieving our goals? Hey thanks for listening! Please take some form of action from this content, don’t just...

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...

Join us for an exciting episode with Olivia McGann (Head of Operations - NZ) from Xero as we discuss one of the softwares that changed my life as an accountant and a business owner.   2024 is a leap year so we get an extra day! Xero is empowering sole traders to take control of their financial affairs by calling the 29th of February - Sole Trader Thursday,  as the day  for completin...

Ever made more than your goal but not felt the satisfaction? Mikey takes us through his 3 subcategories of goals exercise and then works backwards on how to obtain them. We look at whether money is a good goal or whether there is way more to it than setting random figures as goals. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a produ...

On 1 April 2024, inimum wage is increasing by 2%. The last minimum wage increase lower than 2% we could spot was in 2013 when it moved to $13.75 from $13.50 the year before. Does this set the standard of pay increases that employees can expect this year? Part of the flow on effect is not only the minimum wage that increases, but those earning within the increase and slightly above. Let's explore H...

This is a re-release of an earlier podcast that other listeners have found very useful. Reminder: Have you been doing your month-end process? Today's bonus episode is around month end and what you should do to set yourself up for success. This is extremely important as we embark on the silly season as we know this can be a stressful time of year for kiwis. You can access our "Financial Position" t...

You’ve heard me tell you this before, but you can’t hear it enough. Money exchanges hands when value exceeds price. Unfortunately, most kiwis don’t realise how valuable they are. They can’t see that they have valuable skills. So here is a story about an everyday Kiwi who took the bull by the horns and proved it to us. Hey thanks for listening! Please take some form of action from this content, don...

Ever wondered how all the KTC podcasts and content ends up on your screen or in your speakers? Well, introducing Jade! She does it all. She’s recently made a big decision and had to do it quickly. This led to a lot of action and a lot of lessons. Jade jumps on the podcast for us to unpack some of those lessons and how we can apply them to our lives. Go well Jade! Enjoy. Hey thanks for listening! P...

This is a re-release of an earlier podcast that other listeners have found very useful. How to get people thinking about the age old question of where you see yourself in five years time and actually building a vision for 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...

What can we learn from people who others want to cancel but can’t be? What are they doing that might help us think about how we live our lives? What if we did so much good that when we finally do something bad our friends or workmates stick up for us? Let’s explore. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure y...

This year, I have already heard too many times that 2024 will be better because: We have more certainty with a change in government. There will be a change in interest rates (decrease). There is a change in tax rates (decrease). But guess what, you and I aren’t making any of those 3 changes. They are being made for us. Think about what you can change in 2024 to have a better year than 2023. Hey th...

This is a re-release of an earlier podcast that other listeners have found very useful. Hey 👋🏻 these are some practical things you can use to help you achieve your goals in 2022. I’ve tested these myself and can vouch for them. I hope they help you smash 2022, Luke! tthis is a re-release of an earlier podcast that other listeners have found very useful. Hey thanks for listening! Please take some...

James Fuller is back in the studio to tell all of us kiwis what it's really like building one of NZ’s fastest growing start-ups. What does it do to your work/life balance, your family, your health, your view of the world, your network. Is it like the instagram / YouTube reels of glamour or is the grind worth it? This is real life insight to the realities of turning an idea into an industry disrupt...

Ilse Wolfe is back in the hot seat to show us how get the best return for effort when investing in property. Tricks from years in the trade that you can steal and implement through your journey. We look at buying the right buy-and-hold properties to add value to, (off the tools) in a way that builds your ideal portfolio in the fastest way. How equity works and what the banks are looking at when fi...

Do you know how to answer that? I often hear people say ‘that’s a lot of money’ and I wonder where that came from? How do we decide what a lot of money is? I thought I would ask some of the KTC followers on Instagram. Here is a summary of what they said... 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 subs...

This is a re-release of an earlier podcast that other listeners have found very useful. Clue - it isn't a stock on the stock market. This investment is often overlooked by the masses but not by those who really know how to get a huge return. Check this lesson out and see what it is. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a prod...

What happens when the best looking (and most arrogant?) accountant in NZ and the biggest accountant in NZ walk into a studio at the same time? We find out! This is a sit down with James Fuller, the CEO and co-founder of Hnry. Hnry have revolutionised the accounting industry and put the power back in the sole traders hands by simplifying the boring and scary area of tax. We ask your questions and s...

Luke recently read a book discussing how to be successful and the laws around this so takes Mikey through some of the key points. You will be blown away by how accurate and relevant they are considering this book was written 100 years ago. Some great summertime reading for you off the back of this podcast. Hey thanks for listening! Please take some form of action from this content, don’t just be a...

Luke did some thinking on the plane on his way back from his trip and has some things already that he is going to be mindful of the 2023. See what you believe and see what might help you as well. This is a re-release of an earlier podcast that other listeners have found very useful. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a prod...

When I first built the Keep The Change website over 3.5 years ago, I wrote this in the ‘About me’ section: Not a millionaire (yet), but am on the path and think we all can be too. I wasn’t a millionaire when I wrote that, nowhere near. But I am today, depending on the defitinion you use. Was this a good goal or too small? Let's explore because regardless, I used 'the goal stack' to achieve this. H...

I have taken you through my methodology both through the podcast and Instagram on how I stacked $100,000 and why I did this. I have recently challenged myself to do this again and wanted to share with you the insights of how the second time differed from the first time and hope you can learn something from this too. Please take inspiration from this and remember that everybody has their own goals....

Instead of just getting ready for another tricky year, why not decide to make this YOUR year? Start by deciding that it’s your farking year. Decide today, to act like the version of yourself you need to be that achieves these goals. You’ll need this simple stack... Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure yo...

A recent question from the community around whether leaving money in the bank was a smart or safe thing to do and whilst there are no certainties in life we dig into some of the things to think about when it comes to bank accounts, inflation, and these other financial entities popping us suggesting that you could save your money with them. Hey thanks for listening! Please take some form of action...

The podcast had 600,000 downloads in 2024. There are now over 450 episodes to learn from. All Money Mail lessons (Friday emails) are read as podcasts too, and I am able to go a bit deeper into some of the context of the email. Here is a list of the 15 most listened to podcasts of the last 12 months. I guarantee you that there is a summertime gem in there for you to learn from. Hey thanks for liste...

Happy New Year! Here we are again, another bright new year to get stuck into. In this episode, Mikey and Luke sit down to get mostly Luke's thoughts on how to DESTROY 2024 and make sure this is your best year yet. Get stuck into this one and tell us what actions you will take to ensure this is the best year of your life. Hey thanks for listening! Please take some form of action from this content,...