Keep The Change

Michelle Morfett has a cake shop, a self published cookbook, an ecommerce site, a thriving social media presence and manufactures her own baking tins. Today she breaks down how she built multiple income streams, we cover why she turned down publishers, and why diversifying income streams gives her confidence. We cover the loneliness of entrepreneurship, why she lost all shame about posting content...

Today, I want to tell you about a new Kiwi fintech called Feijoa. But first, full transparency: after being a customer, I ended up investing in their recent funding round and am now a VERY, VERY small shareholder. So yes, you could 100% argue I’m biased. It is my first 'Fintech' investment, and I am looking forward to taking you on that journey of how that space works, where appropriate also. With...

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Create an account with Sharesies using the code 'KTC10' and they will match your first $10 deposit with an additional $10 to get you started investing: https://sharesies.com terms and conditions apply Investing involves risk. You aren’t guaranteed to make money, and you might lose the money you start with. Any information we provide is general only and current at the time prepared. For advice we p...

Mike Sutherland bought a tiny brewery in Leigh with very little brewing experience. Now, Sawmill produces almost 2 million litres a year and employs 50+ people. Mike breaks down the journey from learning to brew from a textbook, competing against Lion and DB's exclusive contracts, and building the business through farmers markets and word of mouth. We cover the 1am phone call that changed everythi...

New Zealand ranked last out of 11 Asia-Pacific countries for business growth for the second year in a row. And I don’t think it’s JUST because of the economy. The data suggests it’s because of who’s running it. One factor is something we are scared to talk about. Let me explain.  Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a pr...

Andrew Rooney started making drum videos as a personal library for his students. Now he's got 177,000 subscribers and makes more from YouTube than he ever did gigging. Andrew breaks down the accidental journey: from "Coffee with Rooney" Facebook lives during COVID to viral drum reaction videos that hit 3.5 million views. We cover why he gave up thousands of gigs to focus on content creation, the l...

I know I’m flogging a dead horse because there are now a million users of it and over 40% of the users have multiple accounts. But anyway, I enjoy pushing sh!t up hill for the few who will listen. When you’ve already pre-spent and committed that buffer on repayments, you don’t have cash to absorb the shock so you feel it immediately. The buffer in the budget is gone! That makes you vulnerable. No...

Alongside six others, Leighton Roberts co-founded Sharesies back in 2017. Sharesies is a wealth app that's helped make investing simpler for one million users. He breaks down why most people struggle with investing and how to actually get started. Leighton explains why Kiwi can get overwhelmed by choice, the journey building a startup, how to overcome analysis paralysis when it comes to investing,...

ASB just dropped a number that made me look twice to see if it was right. They say that ‘households will likelThat’s hard enough for most people. But then an accountant like me says no you don’t. You need MORE! Because that $55 a week is after-tax money.y face a $55 per week increase in the cost of living over 2026'. Let's explore how that works. Hey thanks for listening! Please take some form of...

Just when it felt like things were improving, here we go again. Multiple conversations I had over the week cited the same thing. People back in fear. People delaying decision making. People not wanting to invest or take out debt. Business confidence has tanked quickly too! Inside my business I’ve noticed business planning inquiry drop. It’s hard to plan for 12 months' time when you can’t see certa...

Chloe McKnight sells businesses and sees the same patterns: the businesses that sell well are organised, have systems, and can prove consistent income. The ones that struggle are hoping someone will pay for their potential. She's seen young people selling e-commerce empires they built as side hustles, and baby boomers shocked their 30-year business isn't worth what they thought. We cover vendor fi...

Mikey and I have both become millionaires through building million dollar businesses alongside traditional investments. Mikey left a million-dollar income to start Guardian and is only just coming out the other side after four years, whilst Ive grown my accounting & advisory firm alongside my business partner to $2m/year in revenue. We cover the valley every entrepreneur faces, why most people...

Most people are letting momentum and compounding work against them. They're compounding the wrong things... Debt, bad habits & negative thinking, instead of building momentum toward their goals. Luke and Mikey break down why momentum is like compounding but for your daily life: once you get it rolling, things become easier, but you have to get your foot on the gas first. We cover the stages of...

The other day I posted a photo online. It was just a payment terminal with a small sign: “CREDIT/PAYWAVE 1.5% surcharge”. It blew up. HUNDREDS of thousands of people saw it. Hundreds of comments. Over one thousand people voted in a poll asking if they do the same. In the comments, people were debating, agreeing, asking questions. All over one simple statement: “I still insert debit card to avoid 1...

Renata built Roam with Kids from zero to 4,000 paying subscribers while raising three kids. Her secret? Posting every single day for two and a half years, even when no one was watching. Renata breaks down the reality of building a startup in New Zealand, whilst juggling work & kids. We cover the loneliness of building something while everyone else has normal jobs, and how consistency beats per...

Immigrants often arrive with nothing to fall back on so “safe” feels different. Why are so many newcomers in NZ are willing to start businesses, take bigger risks, and end up hiring Kiwis? While locals often see business as too risky. Hosted on Acast. See acast.com/privacy for more information.

This time of the year can be where the new year's energy has died down, and we waver from goals, or we realise we didn’t do what we said we were going to and now there is no point. For some inspo, I asked some KTC listeners what it was like to ‘think they can’t’ but ‘do it anyway’ and what they noticed. Perhaps NOW is the time. What do you need to start doing? Hey thanks for listening! Please take...

Most Kiwis are overthinking wealth building. They're waiting for the perfect election result, the right market timing, or the ideal economic conditions. Meanwhile, they're missing the simple fundamentals that actually work. James Blair from Lighthouse Financial breaks down why money is actually straightforward: earn as much as you can, don't spend it all, pay down debt, buy shares, buy property. T...

Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Hosted on Acast. See acast.com/privacy for more information.

Well here we are again. More volatility + vulnerability and a sense of not knowing how long this could go on. I am not going to explore that too deeply, but I do want you to reflect on 2025. Because if you want to invest, you have to accept risk and therefore understand that risk is not a bug in investing, it’s part of the process. Markets are constantly reacting to something. Hey thanks for liste...

Most people misallocate their time worrying about share platform fees when they should be asking their boss for a raise. They're trying to optimise $3 in fees instead of increasing their income by $10,000. Luke and Mikey break down the hierarchy: time allocation first, income allocation second, capital allocation third. We cover why when you're young, time is your capital, and when you're older, c...

Let’s run the numbers on someone earning $35 an hour trying to “get ahead” in NZ. Full-time is roughly $72,800. After tax, ACC, KiwiSaver (3%), you’re left with roughly $55k take-home. Here are the real costs one person shared (good starting point: 29, single, no kids, flatting): Rent: $350/week Food: $150/week Fuel: $45/week Insurance (car, contents, health): $60/week Gym (CrossFit): $50/week Pow...

In accounting, one of the most important reports is a ‘profit and loss’. This report shows you the total sales, less the expenses, which equates to profit. In a world of ‘I do a million a year’ they typically mean they have sold $1million worth of something. ‘How I made $1million in 2025’ was probably $1mil of sales. There are always expenses to create the sales. Sales - expenses = profi...

Cameron Ward runs 62 Anytime Fitness gyms across New Zealand and has seen what separates successful franchises from failures. The stats are brutal: 1 in 20 gym franchises fail within 2 years, but 1 in 5 independent gyms don't make it. Cam breaks down what it really takes to succeed in franchising: follow the systems religiously, have proper capital (not just for setup, but working capital too), an...