Keep The Change

11% of kiwis earn over $100,000. That’s according to the 2022 IRD taxable income data that I spent time running some calculations on one weekend. Let's explore who gets paid what and what %. Remember comparison is the theif of joy so use this data wisely. 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 subsc...

Can the pie get bigger without someone losing? This is the question that Mikey answers in this podcast. We explore the pie fallacy and zero sum versus fixed sum. 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 financia...

If you still think that making money is hard and you cant do it then this could be the podcast for you. 'Caleb' comes in to tell us about how he has sold $50,000 worth of goods on the internet and how he has learned this from social media. There are heaps of business lessons in here and selling fundamentals and it is mind-blowing to see what the younger generation is picking up and having a crack...

They say that getting into your first home can be one of the hardest projects of your life. In this podcast we break down the exact methodology you need to implement to save a deposit for your first home. This is the ultimate guide from Keep The Change and Guardian Smith. Good Luck! Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a prod...

Up down, sideways? Who knows? Tama might because he eats, sleeps, dreams and flips property every day. We sit down to talk about what we will see in the 2024 year when it comes to property. You also get your questions from instagram answered. Tips for buying in 2024 and the common mistakes that Tama sees people make. Hey thanks for listening! Please take some form of action from this content, don’...

Is congratulations you made it to the end of the year. In this podcast we take a look back at what we noticed throughout this year and how it's been for us. We also dive into the OCR, unemployment, recession, migration, and inflation. It wouldn't be a review without a quick look at what the next year may bring as well so get stuck in. Hey thanks for listening! Please take some form of action from...

We’ve got a weapon in the building. Someone who is juggling a lot including kids, tenants, investments and clients. Ilse Wolfe from Wolfe Property Coaching helps people get started on their property journey and wants to re-teach some of the lessons (and help others avoid her mistakes) she has picked up throughout her property investment career. We dig into why this is important to her and how she...

Luke was recently on a panel in the accounting world about what personal branding is and what it leads to. Is it even worth it? Luke and another accountant explain the pros, cons and how to get started. This podcast won’t be for everyone but it will help some of you who may be thinking about increasing your own brand in a venture or as an individual. There are some powerful principles in here so t...

Recently somebody asked me whether it’s a good idea to pay off their $2.5k student loan if you have $2.5k saved. Only they know that answer. But it got me thinking about the levels of money and the versions of ourselves. So I asked the old version of myself what they would do, then I asked the new version of me. Don't have a student loan? This is just as relevant to you! Get stuck in Hey thanks fo...

Luke features on The High Frequency Club podcast to discuss paying off your debt, combating the rising costs of living and help alleviate your current and future money stresses. Check them out here: https://open.spotify.com/show/0wCq6F8txKy9skzoENG2fr?si=0f53784b9c3c4c60 Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make s...

He’s back in the studio but this time he is all in. Last time he let us know that he still had a job and many people were mind blown. How the hell was he managing everything and what will be possible if this is Tama’s full focus? These are the questions we have too. We explore InvestorPro - the new App that Tama’s team have built and whether that perfect flip record is in tact with no losses to re...

As money gets tight for people, I read about the different ways people are trying to put money back into their household. One of the ways people are doing this is by cashing up annual leave. This is where employees exchange some of their unused annual leave for cold hard cash. A nice cash injection! BUT what should we be thinking about before doing this? Hey thanks for listening! Please take some...

Mikey comes in all guns blazing around why everybody needs to experience the hunting season, and no we ain't talking about knocking over a couple of deers or goats. In this podcast we will explore what a hinting season is and how 18-36 months of your time could change your life projection. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become...

Leighton Roberts CEO and co-founder of Sharesies stops by to answer your questions and several others about the journey and future of Sharesies including whether your shares are safe and how to get your kids started in investing. 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 Ke...

For those with student loans, 12% of all income above the IRD threshold ($22,828 at present) has to be repaid against the student loan. This is calculated on your gross income (before tax) not your net income / take-home income. They are feeling the pinch from the cost of living and tax brackets not moving. No wonder they are finding it hard to then save money also. Check this one out! Hey thanks...

Recent data from October suggests that there has never been a more unaffordable time to buy a home if you are a first-home buyer. We dig into the data to have a look at how this could be given house prices have decreased and what you need to be thinking about if you are hoping to buy soon. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become...

Often I get messages from people wondering what is the best platform to buy shares on, what is the best bank to get a term deposit with, who has the best interest rates, its goes on and on. Normally, I don't have the answers but it does get me thinking about why people are so scared to get things wrong and take risks. Is it because things have been so easy in recent history? Let's explore and get...

We finally have a confirmed new government and Mikey takes us through some of the changes that we might expect in the coming years. What will this mean for you and what do you need to focus on? Let's have a look. 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...

[Hey bro, today we did it!! Unconditionally sold our “forever home” We were $1m in the hole(debt) paying crook interest mate ($70,000pa).] I received this thought provoking message from a reader. I thought this one might interest you. What decisions did you make at 2% interest rates that you wouldn’t have made at 6 or 7% interest? Hey thanks for listening! Please take some form of action from this...

Mikey is back in the studio to fill us in on his thesis around why he thinks interest rates are going to decrease in 2024 which will be exciting for some of you mortgage holders. Let's find out why that might happen and it why might not be great for all of us. 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...

My partner came to me and said that the listeners need to know a bit more about my softer side and some of the things you may not know about me. She sits me down with a stack of questions and fired them at me. Hopefully there are some lessons in here and no doubt some ins gith to the way I think about things. Hey thanks for listening! Please take some form of action from this content, don’t just b...

Stats NZ has recently released updated data on kiwi households' net worth. To the end of the June quarter, NZ has a total of $2177billion in combined household net worth. At the height of the asset(s) bubble and before things started to really turn the other way, the total household net worth was around $2432billion. Where’s it all gone? Hey thanks for listening! Please take some form of action fr...

Have you heard the story background story of Siya Kolisi, an inspiration. The South African Rugby Wolrd Cup winning captain explains a bit about his journey in a keynote that I thought may inspire a number of you. 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 Keepthechan...

Apparently it’s smart to diversify when it comes to investing. What does that even mean? And how do we think about this for our individual situations given they are so different? Rupert Carlyon is here to explain another complex topic and make it sound simple. Get diversified. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer!...

I got a bit of a fright last week when I logged into Sharesies and saw one of my stocks had increased by 60%. I refreshed the page a couple of times to make sure there wasn't a minus sign that had failed to load. But no, legit, 60% gains baby! So what happened? 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...