Keep The Change

Turns out, working from home IS a thing and often employee's pay costs associated with this. During the cerveza sickness, the IRD increased the tax free allowance when working from home (because so many people were). Basically, employees can receive a tax free allowance each week, to cover any additional costs associated with working away from the office. I.e. power, telephone, internet usage or p...

Luke sits down with Rupert Carylon to discuss how Kōura Wealth have changed the Kiwisaver game with a more personalised approach. We talk about why they did this and the biggest mistakes kiwis are making right now in this space. 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...

The number of people struggling financially is really starting to increase. Nearly 12% of Kiwis are currently behind on their debt repayments: personal loans, credit cards, BNPL etc. For some reason, it can be really hard for us Kiwis to ask for help. It seems to be something we’ve mastered - not asking for help. A lot of people will feel helpless or even embarrassed about their debt levels, so th...

This is a listener request about how it is important to dress for your audience and dress for success, do you believe this? We all have different thoughts about this and we dive into it too. 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...

Luke joins the Cheques & Balances crew to look at an example where property isn’t the right solution. This is the story of an actual client and the advice they were given. There are plenty of ideas around property in this podcast to help you learn the ins and outs. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sur...

Sometimes in life we need to slow down to speed up. This can be a very hard thing for us to accept and think about but we will give you some examples of how are currently doing exactly 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 Keepthechange.co.nz to receive our weekly...

Mikey thinks that the economy truly could shit the bed come June or July. He takes us through exactly why he thinks this and Luke thinks it could be later in the year but we have a look at what's going on out there and what could be coming up. 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 Mon...

You have found your way to Keep The Change, so what is this all about? This content is designed to help over 100,000 Kiwis improve their financial literacy. The goal is to change the wealth of the nation. Please take the lessons and action them into your life and be a part of the journey in the community of Keep The Change. Hey thanks for listening! Please take some form of action from this conten...

For some of our superannuitants, they simply don’t/won’t need their super BUT they are entitled to it. If it’s not needed, perhaps it could be sent back? Sent back and committed to an area of the economy they care about, like infrastructure or health care. Wouldn’t it be great if we had a mechanism at a national level where those people could choose where they want to direct their superannuation....

On Instagram we asked you what is getting in the way of your financial success. In this episode we take you through all of these things as well as different ways to look at some of these problems. This will be extremely helpful for many people. 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 Mo...

We take you through more of Keep The Change's listeners' financial stories to both learn and be inspired by you amazing people. You won't want to miss these. 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 li...

Recently I bought a PIE fund and I’m not talking steak and cheese ones. I had a bit of spare cash sitting in a bank account and I wanted to ‘make my money work for me’ and am always looking for ways for my money to have babies and help subsidise my life/costs. I considered a Term Deposit where I deposit my money for a set term and in return get given a % for doing so. Then I thought about a PIE Fu...

In this episode we tune in with Angela Strang who has 'retired' by the age of 35. We ask how the hell that is possible and what it even means! Angela takes us through the ups and downs of investing in property and what she’s up to now that she’s ‘retired’. 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 subs...

Luke sits down with James from Lighthouse financial to understand how they go about financial planning for their clients and the exact process that they take people through as well as some tips and tricks all of us could learn from. if you want to explore doing some financial planning with your team follow this link: https://lighthousefinancial.co.nz/lighthouse-wealth/ Hey thanks for listening! Pl...

Luke joins the Lighthouse Financial crew to discuss why term deposits are being spoken about again and why he recently plonked some money into a PIE fund for tax advantages. 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...

People are saying this recession could be about using your balance sheet. In this episode we discuss what a balance sheet is and how it's not just for businesses to be thinking about. These are solutions to get you thinking about getting through a recession. 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 su...

A reader reached out to me with what they did when they found themselves as a solo parent, with 2 young kids (2 and 5) and I thought I would share this with you. This is their journey to get through the 'season' they found themselves in and bounce back to be at their best again. This one is massively inspiring. Hey thanks for listening! Please take some form of action from this content, don’t just...

This week we've had a new official cash rate announcement from the reserve bank of New Zealand and it with the recent events around New Zealand shit this is not looking good. This is everything you need to know and be thinking about and how as a country we might deal with what we have to pay for. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer,...

Luke sits down with Adam Stewart from Compound Wealth to find out what's happening in the stock market and whose Kiwi saver will be performing the best as he takes us through the top performers of the market recently. If you would like Adams team to have a look at a specific recommendation for you and your Kiwi Saver jump on the website and use the following link. https://www.compoundwealth.co.nz/...

Luke joins Mike and James on the Cheque & Balances podcast for his debut. He spits out some wild predictions for 2023 that should see him completely wrong and never invited back on the podcast. Tune in to see what all 3 of them predict for 2023. 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 subs...

The man who broke the Internet with his savings methodology popped by to explain to us how he removed thousands of dollars of costs from his annual expenses by simply comparing the likes of his Internet, phone, power, insurance, etc and we dive into the psychology of money plus a lot more. Do not miss this one! Hey thanks for listening! Please take some form of action from this content, don’t just...

Mikey is on the hunt for new mortgage advisors and would love to have a chat with you if you are interested. Before you do, listen to this podcast and see if you would be a good fit for Guardiansmith.co.nz 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 rec...

When I grew up I grasped the concept of working hard. It made sense to me and I applied this to every job I got. But then I learnt we need to 'work smart'. What the hell did this mean? I had to study this and now I get it. In this episode I will explain why 'adding value' is the more guaranteed way to get ahead and back it up with a law + by one of the richest people in the world. Hey thanks for l...

We are taught to save 10% of everything we earn but will this keep us thinking too small? In this Money Mail we will explore different ways to increase the percentage of the amount we save and how we’ve become to accept paying the government more than we save. 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...

We dig into the latest report from Centrix to have a look at the data and see what it tells us in terms of people not being able to pay for the loans like buy now pay later and their credit cards. 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...