Keep The Change

In this episode we explore the concept of believing this is possible to start with and thinking about how we can increase our income in 2023 to join some of the top earners in New Zealand. 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 l...

Mikey and Luke sit down with Jamie to discuss how her progress is going with taking her side hustle to a business. Jamies now juggling Mum life with building out her business ready for launch next year. 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 receiv...

With all this doom and gloom it’s a good reminder to consider the currencies you’re collecting. This is a good time to remember that it’s not always about house prices, economic growth, net worth & bank balances. Just because a recession may be the measurement of whether our economy is or isn’t growing doesn’t mean you can’t. Hey thanks for listening! Please take some form of action from this cont...

Every now and then us 2 financial geeks venture outside the world of finance and go and do something different. We take you through our experiences from recent events we went to and what we learnt. 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...

Mikey and Luke sit down to review the biggest rise in OCR history and find out why the reserve bank are so confident we are heading into a recession. Are people still getting mortgages? Is everything going to be ok? We let you know in this huge episode. 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 subscri...

Apparently there are discounts everywhere. The ole black Friday sales are in full swing. Black Friday has become a very popular day of buying in New Zealand & outperforms the fashionable ‘Boxing Day’ sales. Boxing Day was the country’s biggest sales day of the year. So what the hell is it? Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become...

This mostly focuses on mixing or keeping separate your finances with your partner out of the question asked by one of the listeners. 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...

In a recent podcast Luke explained how he was going to take his speaking more seriously and this is an update on where he's at in monetising this and getting some speaking engagements locked in. 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 we...

I just voluntarily upped my Kiwisaver contributions. Why would I do this? Saving for our retirement has still been introduced as mostly voluntary. By encouraging myself to increase my contributions today, I am giving my future self more options. I don’t know what those are yet, but money will give me options and that’s what I want. Hey thanks for listening! Please take some form of action from thi...

Gee the politicians have done a great job. A great job at getting us right where they need us. Right in the trap of thinking in a way that won’t necessarily improve our own lives. We can focus on tax bracket creep and what that is all about because I think we will see a lot of chat about this in 2023. Hey thanks for listening! Please take some form of action from this content, don’t just be a cons...

if you are listening to this podcast and not taking any action then perhaps it is time to turn it off. We love you listening but we would love to see you taking action even more so think about who's really in control of your life and that is you. 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...

There has been a lot of chat around side hustles recently and in this podcast, we dive into whether it is worth the time investment and discover the big question of why, why would you have a side hustle? 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 recei...

Mikey and Luke explore the topic of using material things to inspire you in the world that tells you not to as well as Mikey tasting his future life by renting a Lambo for a week. 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...

Luke's partner Tazz joins Mikey and Luke in the studio to discuss her success with the side hustle methodology taught by keep the change. Tune in to hear about her ups and downs of going through the process and how hard it is to put yourself out there. 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 subscrib...

Whats up with all of these ram raids at the moment and what can we make sure we don't learn from people who are keen to take shortcuts, cheat, steal and quit because they have already given 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 Money Mail via Keepthechange.co.nz to receive our wee...

This is where BNPL and credit cards are so dangerous as you ‘feel’ like you can get away with it. You don’t pay & nothing really happens. It’s in the credit providers' interest that you don’t pay so that the stinging interest & late payment penalties kick in. That’s where they make their money. This is why I suggest you remove the temptation and GET RID of BNPL, drop your credit card limit. Hey th...

This is Mikey's theory on why playing the long game will ensure you never lose in whatever area it is that you are trying to get ahead in. Tune in and get an understanding of how you can apply this to your life. 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...

Luke and Mikey sit down and dig into an ASB KiwiSaver tool to figure out how much you need to set aside to ensure you have $1M when you reach age 65. 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....

In New Zealand, we seem to be busier than ever and all feel pretty time-poor but, we also get given a lot of days off. 146 days where we don't necessarily need to be at work. Divide this by 365 days of the year. 40% of the year, people in full-time employment are not required to be at work. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, becom...

Grant Cardone owns over $1 billion worth of property but he's telling us not to buy a home, what is he trying to teach us when explaining this? Is this a conspiracy or is there something to 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 w...

Jamie is the winner of our $10k investment into someones idea. This is our first catch up with Jamie to help her figure out how to turn this side hustle into a business. Tune in and follow her progress as well as what you can learn from it. 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...

Remember that a lot of people will be too scared to put the heads up above the clouds and if you are brave enough to do it you can get yourself a further down the path in your chosen area in New Zealand. 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 recei...

This week the Reserve bank undercooked their forecast for inflation and it came in at 7.2%. Even bank economists were off the mark - but are we surprised? There had been chat about inflation cooling but we only saw a 0.1% drop from the prior quarter. Remember that inflation is going to be here for some time, so we need to understand it and keep an eye on the impact on it for ourselves personally....

Have a think about these four things and whether you could be investing in them whilst all markets seem to be going backwards all around the world. 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. St...

Some time ago, I mentioned an insurance scheme that the government is looking to introduce. This was an announcement quite some time ago (Budget 2021) and is still not yet confirmed. BUT the hunch is that it will become something because it’s a pretty good legacy for a government in power to leave. So what the hell is it? Hey thanks for listening! Please take some form of action from this content,...