Keep The Change

Plenty of people are excited about inflation decreasing but you still need to understand the long-term impacts of inflation. This episode will show you what the devaluation of the New Zealand currency looks like and once you know, you’ll need to figure out what you will do to protect your money longer term. This is critical to understand if you want to look after your finances in the long run. Thi...

Recently you may have seen more stories about businesses going into ‘liquidation’, which can be tricky to understand. We are going to go over some basics of what liquidation is and how it can happen. Liquidation is effectively winding up the operations of a business and selling or distributing the assets of the business to cover the debts that it owes (to what are called creditors). Hey thanks for...

Luke’s partner is back in the studio to bring another top 10 podcast to your ears. In this podcast we discuss why it’s important to run your own race and not compare yourself to your partner, your friends, or the people you're following on social media. As always the conversation gets a little but tense when some of our relationship differences start coming to the forefront. Enjoy this one! Hey th...

If you’re heading for a wedding or somewhere where you need to provide a gift, there’s a high chance that you’re questioning what is enough? The ole ‘my presence is your present’ doesn’t really cut it at a wedding does it? I found a NZ poll from 2017 where 5,600 people voted and 67% of people said they would take $100 or less to a wedding as a gift. Now that the money printers have had their way w...

What would it take for you to make $1 million per year? Chances are you don't know right now but if you have the right information we are sure that that's exactly what you would do and you wouldn't stay in your $50,000 job so let's explore exactly how we need to be thinking differently to get on a different path and increase what we earn and what we save. Hey thanks for listening! Please take some...

48 property flips in 2 years and never once lost money. How the hell does one person manage this? I sit down with Tama Singh and find out what sparked this interest in property flipping and what is driving him. Tama lets us in on a time management secret he’s never spoken about which will shock you. I ask him whether you need a background in property or can anyone follow this journey? I ask all of...

The latest official cash rate announcement came out today and some good news for people with it not moving at all. This was no surprise because last time they told us it wouldn't move, but will it go up in the future? What's all of these tax changes from the government all about? Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a produce...

Is that what we really are? We’ve been trained to be like this from a young age and history supports this. No wonder so few of us think. OR set goals. OR have a vision. Not you though, you know the importance of having those things in your life and we explore a clip explaining exactly this. Enjoy! Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer...

An insight to the tremendous doco 'Stutz' now playing on Netflix. I won’t ruin it for you and go into too much detail, but please go and learn from one of the most expensive psychotherapists who you’d normally not get access to. Let’s just explore 2 concepts I picked up during the documentary: Part X & The Maze. Hey thanks for listening! Please take some form of action from this content, don’t...

Is now a bad time to switch providers? What about funds? How much should I contribute? Will the government steal it all? To clear debt or contribute to KiwiSaver? Adam Stewart runs CompoundWealth.co.nz and lives and breathes KiwiSaver so we get stuck into some FAQ’s and myths around KiwiSaver. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, be...

’50% of people won’t get out of bed’ - D Sullivan. You’ll compete with less people during a low growth period because people will simply find it too hard and won’t be bothered. The good thing is you don’t need to reinvent the wheel, you need to be practical. Here’s how… Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make su...

We get access to Centrix's June credit data reports and have a look at who is overdue on their Buy Now Pay Later and credit card's and what we should be thinking about if we are still using those YUCK tools that get pushed down our throats all the time. 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...

Today marks the 1/2 way point of 2023. Ya kidding me, how has that happened? So far this year it’s been 6 months of a gentle economic grind down. I get the sense most people are finding things tricky and we haven’t seen a massive reprieve from things like inflation and interest rates, but we are all staying in the fight. Many people are now paying higher interest rates for mortgages, food is still...

We get Adam back in the studio to help us understand what we don’t know about KiwiSaver. How big is it going to get? What’s up with all of these new DIY Kiwisavers, good or bad? It seemed so simple but now there seems to be a lot of choice. Adam Stewart runs CompoundWealth.co.nz and lives and breathes this space. Get learning. Hey thanks for listening! Please take some form of action from this con...

Smith ( GuardianSmith.co.nz ) NZ’s greatest opportunity. To turn self employed people into business owners. Luke runs Mikey through some business statistics that will shock a lot of you. Many people work for large businesses and assume that’s what everyone else’s life must be like. Incorrect. Let’s explore! Hey thanks for listening! Please take some form of action from this content, don’t just be...

Well, it is finally here the mega pod to help you understand how to think differently and where your thoughts even come from to start with. You won't want to this podcast because we dive into ways for you to help improve your thinking and therefore your life and some of the principles behind this. We would love to know what your biggest takeaway from this podcast is so please send us a message onc...

"You cannot overtake 15 cars in sunny weather…but you can when it’s raining.” Now that the rain is here and the difficult times appear to be more in our faces than previously, how do we keep our eyes on the prize and continue to make progress? If other people aren’t willing to get out there and take action to sort out their issues, that’s not your concern. What is your opportunity is that you’ve g...

In this podcast we let one of the most powerful people in the world talk to us like children and tell us there is nothing to be worried about. We dig back into the archives to see what we were told about inflation here in NZ over the last 2 years too. Buckle up and accept that the powers that be may not have the answers we hope they do. Hey thanks for listening! Please take some form of action fro...

You might be surprised to know that over 400,000 of our 546,000 businesses in NZ hire 0 staff. I think this is single-handedly our biggest opportunity in New Zealand. If they’re solving a problem in the market that can be scaled, imagine if we could teach these people to be employers and to scale? (IF they want to!). Let's look at some stats! Hey thanks for listening! Please take some form of acti...

Everybody loves to believe that property doubles every ten years but maybe we need it to when we factor in the cost of the things we need to pay for in the lifetime of a property. In this example, we will look at purchasing a home over a ten-year window and the things that you should consider paying for during that ten years. Hey thanks for listening! Please take some form of action from this cont...

Well well well it's finally here the recession has hit. Is it time to freak out or is it time for keep the change listeners to continue to stick to the basics and prepare themselves for what could be further to come. In this episode will explore what this means and what we could be about to go into. Never fear we've got your back! Hey thanks for listening! Please take some form of action from this...

Recently there were changes to the LVR rules so we asked Mikey what the hell that means and also get an update from him about who is borrowing property at the moment because he has been a busy lad as always. 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 r...

Buying a property can be scary enough from a financial perspective before even thinking about the law. Angus from HouseMeLegal.co.nz stops by to tell us all about the process and what you need to watch out for. It doesn’t need to be daunting if you follow Angus’s BUYIT process. Angus runs us through that and some of the most common mistakes people make when buying. Free: Buying Checklist Hey thank...

For many of us, we price things in a unit we can measure. I.e. If you earn $30 an hour, you may price a $150 bag as 5 hours of work. Don't forget about taxes!!! It can often be good for us to understand how many hours of work items will cost us. This may encourage or discourage you to purchase it. Let's understand this better... Hey thanks for listening! Please take some form of action from this c...

There are constant articles and everyone is talking about how the bottom of the housing market is here, let's dig into this and find out why maybe that is not the case. 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 f...