Keep The Change

In the second podcast with Josh Ryan, I tasked him with helping us to think about how we could make $100,000 online. Most kiwis will never hit the $100,000 income level, but Josh has and he has done it online by 23 so he is the perfect person to ask. If earning $100,000 isn’t your thing that’s fine too because I ask Josh some of the principles we could be applying to helping us grow our social med...

Here it is, the part two of the series around understanding mind traps to avoid. These come from two great YouTube videos that break down the different mind each and every single one of us will experience day to day in our life. The more you understand these the more you will see them and potentially avoid the pitfalls from them and potentially also use them to your advantage where possible. Hey t...

How to beat any political parties promises! With the upcoming election promising to be a little bit of a cash lolly scramble to secure your vote, I wanted to remind you how powerful you are and how there may be more available to you ALREADY than you realise. Why wait for an election, 31 March or 1 July when you could implement some of these tactics yourself? Let’s get stuck into them. Want the sli...

I sit down with Josh Ryan, who helps people grow their Instagram and YouTube channels so that they can make more money. They pay him money to do this. Find out about what it’s like, building a business from scratch when all your mates head to uni. Josh got into this straight out of high school and has been doing it for 8 years. What can you learn from this trailblazer? Hey thanks for listening! Pl...

There are a number of different ways to make income in this country and there are also a number of different forms of income so in this podcast we start by exploring how Mikey gets paid as a mortgage adviser and how some of his income can actually be an asset that can be sold. You will definitely learn something in this and have your eyes opened so get stuck in. Hey thanks for listening! Please ta...

There’s been a bit of talk recently about depreciation on commercial buildings. This is because two of the major political parties will remove this as a tax-deductible expense after the election. Put simply; depreciation reflects the decrease in value of an asset over time. Well what about rental properties and how does this impact you? Let's learn and explore depreciation. Hey thanks for listenin...

wow oh we are really going to do this! There's been a lot of chat recently around when the right season is to have a pet so in this episode we will explore Mikey's true cost of his pussy and the number of things we often don't think about when taking on a massive commitment like a pet. Please understand that yes we know you may have different reasons for having pets and that is completely fine we...

In this podcast we address a question that we have been asked about 'why paying down debt can feel more enjoyable than saving?'. We take a look at some of the ways we may be conditioned to think about spending and taking on debt and ways to make saving more exciting including revealing some of the ways we are doing that and the outcomes from that. Hey thanks for listening! Please take some form of...

Ahhh passive Income - you either desire it or believe it to be full of sh!t. We’ve all had dreams of sitting on a beach, paying for cocktails from the interest earnt on our lotto winnings. OR having 4 rental properties, collecting the rent and doing the same, but probably just on Himitangi beach rather than a Hawaiian one. BUT a lot of can understand passive income whilst interest rates are higher...

In a recent report from Credit Suisse, it details how Kiwis are a lot richer than you may expect. Did you know that we have hundreds of thousands of Kiwis in the top 1% of worldwide wealth? We also have millions of Kiwis in the top 10% of worldwide wealth. So why do you feel so poor? Let's take a look. Hey thanks for listening! Please take some form of action from this content, don’t just be a con...

So the latest official cash rate announcement has been and there has again been no change in the OCR. However, in this announcement, there were a couple of surprises so we dig into those and see what the reserve bank was trying to tell us at this announcement. 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...

In July, we locked in over $50,000 worth of work directly from the Keep The Change audience. Last week we spoke about the concept of investing in yourself and how it's the best investment to make. Many successful people say things like that. People also say that if you follow your passion, the money will come. July is proof of that for me. BUT look at how long that has taken and how much effort. L...

Luke gets a rogue email from someone wanting a job, who won't be getting a job. We dive into what this person could have done better and some general principles for you if you're thinking of approaching strangers. 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.n...

There are now thousands of supercars on the roads in NZ, we look at some numbers from back in 2000 through to today to see how this has changed and whether it is a good thing or bad thing, as well as how it's all been funded. 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 Keepth...

Luke sits down with James from Lighthouse Financial to discuss your questions from Augusts webinar regarding the 10 Commandments of building wealth. There are some rippers in here and as always the live comments take on us a tangent - thanks for tuning in! Hopefully something in here really gets you thinking. Hey thanks for listening! Please take some form of action from this content, don’t just b...

‘’Invest in yourself’’, ‘’The best investment you can make is in yourself!’’. We’ve all heard these sayings but not everyone is interested in this. These sayings are almost thrown around so much that I don’t think people believe it to be true anymore. I got me thinking, why? Because so many smart, wealthy, happy and experienced people say things like this. Hey thanks for listening! Please take som...

Join James Blair from Lighthouse Financial for an interactive webinar where we go through the fundamental wealth principles you need to know to successfully start on your wealth creation journey. This webinar is all about the psychological concepts you need to understand to become financially bulletproof. The 10 commandments: Understand your motivation for wealth creation Plans are nothing, planni...

A recent Keep The Change Instagram poll revealed that a lot of people are questioning their recent decisions to buy a property. In this podcast we review why you didn’t have the info that you have now and how your thinking could be very normal. Perhaps you have buyer's remorse but zoom out and think longer term. Hey thanks for listening! Please take some form of action from this content, don’t jus...

Something a little different today, Luke sits down with Shane from lateral lawyers and answers a few of his questions about his journey and what that has led to over the last 7 years, hopefully you can learn something from this. 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 Kee...

Now that a number of you hate me after suggesting last week's income exercise, I thought I would keep that theme going. Did you know that your purchasing power decreased 15% in 3 years? This is why you really do need to understand inflation! At 11.59pm on March 25, 2020 , New Zealand shut down. Remember that? Regardless of what you believe to have caused inflation, know that it has been compoundin...

If you are in business or looking to make some extra cash then have a look at this framework to think about how you are going to need to position your solution to people whilst the economy is contracting. This is a Sabri Suby's idea around making sure that you can still sell things in a recession. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer...

For many mortgage holders your interest rates will be rolling off in the next six months and you have a decision to make. I ask Mikey what people should be thinking about when it comes to rates, changing banks, and certainty. 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 Keepth...

Imagine knowing what you’ve earned for the last 8 financial years combined? Well ya can! Uh oh. Do you really want to know? The IRD will let you run a report of your income summary online going right back to the 1st of April 2015. If you’re brave, go back and look at your income through the years. Who's keen? Hey thanks for listening! Please take some form of action from this content, don’t just b...

We’ve learnt about what Tama does and why he’s doing it. Now he’s on a journey to teach other people to do the same thing. I ask him how we know if this is our thing and where to start if we want to get into flipping property. Tama explains why starting small and learning the skills is the most valuable piece of the journey, then it’s just rinse and repeat. Find out how much Tama has made through...

This is a listener request from somebody who has everything a lot of people would love to have but is still feeling stuck. We dive into how to think about this differently and think about designing your life plus the seasons that go through that life as well. This will be really helpful for so many people so please listen to this one. Hey thanks for listening! Please take some form of action from...