Keep The Change

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...

People often joke that the boomers had it easy when it comes to the housing market but did they really? What about all the things that we have in the modern day that they didn't have. This podcast is inspired by a listener request, if you'd like to send in your request please do so. Enjoy Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become...

2023 EY entrepreneur of the year finalist Mark Edwards joins us to explain how an idea turned into selling 100 prams in year one and now more than 10,000 a year. The story of Edwards and Co’s growth including the ups and downs. 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 Keep...

The unemployment rate has risen to 3.9% from 3.6% last quarter. It’s slowly increasing. Often people ask why we would want unemployment to increase? Shouldn’t we want more people working? Statistics NZ tells us that 118,000 people are currently unemployed. Why would we want this number to increase? Let's try and figure it out. Hey thanks for listening! Please take some form of action from this con...

The big P word that people talk about but no one ever explains. I sit down with Rupert Carlyon who has been publishing a lot of information in this space so that we can understand it better AND think about what our country could look like if we took it more seriously. Since we probably won’t, we get stuck into ways as individuals we can be thinking about this important concept. Hey thanks for list...

Mikey comes in with an absolute banger of a topic around when you deserve the things that you want in your life. This is a very tricky conversation for a lot of us and we give some real examples that have happened recently to help you understand the topic. 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’...

You might be surprised to know that bitcoin is up over 100% this year alone. Wait what? By the time you get to this, yes there could be a wild swing in the price and that % may not be accurate but, at the time of writing this, bitcoin is still doing its thing. Where has all the hype gone and what do we need to know about Bitcoin? Hey thanks for listening! Please take some form of action from this...

Imagine having an interest in property development and then randomly buying a section and figuring out how to develop it. Well that’s what Curtis did. Curtis sits down to share his journey including what he would do differently and how if it wasn’t for his hustle + resourcefulness he may be back in employment. A great example of the will to succeed. Enjoy! Hey thanks for listening! Please take som...

58% of Gen Z got this question about inflation wrong. 51% of Millennials got it wrong too. Only 18% of Baby Boomers got it wrong. So what is the question and how come the young people are getting it wrong? Recent inflation data out of New Zealand reminds us that we really need to understand the thief stealing our purchasing power so let's dive in and get a refresh. Hey thanks for listening! Please...

We dig into some recent data from Statistics New Zealand about different age brackets in New Zealand and the median income. You may be surprised to know and this may get you thinking about where you sit and where you would like to sit and think about increasing your income as always and building value into yourself so that you can beat the statistics if that's your thing. Hey thanks for listening!...

On the back of the success of the "How To Approach Someone" podcast it is time to look at helping you introverts on a bit of networking. There are no excuses here and you can learn some frameworks to help you network at those pesky events that you were skied to go to. This is a number one resource to help you overcome the fear of networking with str. Hey thanks for listening! Please take some form...

We've all got an idea or two. I'e had a tonne over the years myself and most I have done nothing with. We know that ideas are sh!t without execution. So how do we think about validating our ideas and getting them going? Why does it seem so hard? And why are we doing it in the first place? Let's get executing Hey thanks for listening! Please take some form of action from this content, don’t just be...

A big scoop here as we get an ex-IRD investigator from the crypto team to sit down and teach us about all of the misunderstandings when it comes to cryptocurrency and why many Kiwis may not be meeting their correct tax obligations. You crypto lovers will enjoy this one. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make su...

Have you ever wondered what New Zealand would be like if Australia wasn't so close and wasn't there at all? At the moment plenty of people are moving to Australia for a larger income and better lifestyle but what if that wasn't an option what would you do then? 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...

Luke heads to Campfire Studios to sit down with Guy and Will to talk all things business, finance economy, and financial literacy. 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 financial literacy. Stay close to us on...

In 2022 I had to do some real ‘adult sh!t’. That is never fun, is it? The kind of stuff most of us will avoid because it’s a bit scary. Or, like all good humans, we will do it when we are ‘forced to’. I started thinking about my death. I know Kereen I know that is some morbid chat. I apologise, but apparently I have a 100% chance of dying in my lifetime, so I thought I had better tidy up some admi...