Keep The Change

6 expensive headwinds of New Zealand 🇳🇿 1. New Zealand has an ageing population. Cost = super + healthcare. 2. Health issues rising. I.e. Obesity and point 1. Cost = system strain. 3. Infrastructure deficit. Cost = rebuild or maintenance bill. 4. Brain/worker drain. Cost = lost taxpayers to fund the above. 5. Capital stuck in property. Cost = low productivity and low risk tolerance. 6. Education s...

“It’s a write-off that’s why businesses do it”. You’ve seen it online where non-business owners and non-accountants suddenly educate you with 100% confidence on business ‘write-offs’ and how business owners pay no tax. So let’s clear this up. Because a tax write-off is not free money. It’s not a refund. And it’s definitely not the IRD wiring you back the full amount. Hey thanks for listening! Plea...

Conner grew up on a council estate where people end up stuck in the same system. He came to New Zealand with $2,000 in his pocket and is now running a successful landscaping business in Queenstown. Conner breaks down his journey from addiction and destruction in England to finding purpose through running and gardening in South America, then building a business in New Zealand. We cover why he's los...

They want to earn more. They want to start something small. They want to build skills and income outside their job. But then they look at tax and it kills the motivation. They won't be the first or last Kiwi to get p!ssed off by this. However, maybe the bigger risk isn’t paying 33% the bigger risk is not exploring where you could end up with another income stream. Hey thanks for listening! Please...

New Zealand's economy is patchy, spending fell 0.5% in December, Boxing Day sales down 12%, and job ads are still 30% below pre-pandemic levels. Meanwhile, electricity is up 12% and gas up 16% - the highest increases since the late 1980s. Brad Olsen from Infometrics breaks down what's really happening and why the economy isn't magically turning around like everyone hoped. The biggest challenge? We...

That’s according to the comment section of just about every social platform I use. The sad thing? Many of these people leaving comments so desperately want to be right. ‘I told you so’. Cool bro. Now what? Nothing. They won’t do anything, just like they never have before. Some of the people most worried about a stock market collapse have $0 invested. Make that make sense. Let's try... Hey tha...

Most first home buyers are back with low deposits and record-high debt, often borrowing with less than 20% deposit. Luke and Mikey break down the reality: people are stretching themselves thin with low equity loans that cost more in interest. We cover why you need to understand the true cost (not just the mortgage payment), the risks of buying with minimal deposit, and what happens when house pric...

Today marks 300 episodes of KTC Money Mail. 300 editions ago I was sitting in my one-bedroom apartment during lockdown, getting started. Hitting send on edition one. Today this will go to tens of thousands of people across various platforms. So how to we summarise the 300 editions? Let's try! Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, bec...

Amy breaks down why most people feel confused about money... They know what to do but don't do it, they can't articulate what they actually want, and they're stuck thinking "we want to create wealth" without knowing what for. 80% of people know what's good for them but don't follow through. They want passive income but can't explain why. They want to build wealth but haven't defined what success l...

These words stood out to me and should for you too. “It’s been a slog, and I've made many mistakes, but I have grown so much I feel like I'm a completely different person’’. That’s the real win. Becoming the version of yourself that you know that you could be! So HOW did they do it? Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a prod...

2026 is going to be wild. AI will start eating jobs, currencies might collapse, and New Zealand has an election that could get divisive. The question is: are you ready? Luke and Mikey break down how to dominate 2026: take action now while others wait, build psychotic belief in yourself, and use AI as your unfair advantage instead of fearing it. We cover why the people who prepared in 2024-2025 wil...

As we close in on Week 300, I want to share with you an email I received recently and some of the key principles. ‘’For a long time, I let my lack of education and some really destructive self-talk become my narrative. I spiralled into a lot of debt - managed to rack up over $100k worth of the stuff and I have no one to blame but myself. I was spending money recklessly and committing my future wea...

2025 was a strange year for investors, but 2026 could be even stranger. Generate's Greg Smith breaks down what every Kiwi needs to know. We cover the investment trends shaping 2026: why diversification matters more than ever, emerging markets and the political chaos that's coming with Trump's new policies. Plus the New Zealand outlook, why our market hit record highs but still disappointed compare...

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Labour recently announced a 28% capital gains tax on rentals, batches and commercial properties. Politicians say it'll make housing affordable, but the data says otherwise. Luke and Mikey break down why this won't work: no country has ever lowered house prices with property taxes, wealthy people will just borrow against assets instead of selling, and the revenue projections are fantasy. To get $96...

‘If no one knows you, money won't flow to you’ - simple but confronting words that stopped me in my tracks a long time ago. Unfortunately, for many, many Kiwi people we are allergic to getting known. But you’re getting in your own way, over complicating it all. All you have to do is be good at something and have people know that you are. That’s all it is now. Keep it that simple to win and pr...

Everyones favourite to predict...and get wrong! See what happened in 2024 and 2025 here: https://www.youtube.com/watch?v=TTvtdNmI7gU Hosted on Acast. See acast.com/privacy for more information.

Its not as glamorous as some make it out to be, but here's the truth as to how I make genuinely passive income from New Zealand. Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Hosted on Acast. See acast.com/privacy for more information.

1 in 2 New Zealanders don't have a will. That means when they die, their family gets chaos, uncertainty, and massive legal bills to sort everything out. Holly from Succession NZ breaks down what actually happens: default rules kick in that split assets between partners and kids (not how most people want it), court applications cost thousands, and families fight over who's in charge. We cover the $...

Today Im breaking down exactly how to get started investing in New Zealand, and why it may not be what you think... Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Hosted on Acast. See acast.com/privacy for more information.

New year, new you yada yada. But 'budgeting' is highly searched at this time of the year. I want to show (or remind) you how I think about budgeting, and it’s the exact system I used to go from credit card debt to building over $1m in assets. And a warning, sorry there are no apps or fancy dashboards. Step 1: Stop “budgeting” and start tracking cash flow Hey thanks for listening! Please take some...

Sarah breaks down the uncomfortable truth: you're gaining something from your problems. Whether it's safety, comfort, familiarity, identity, or an excuse, if you weren't getting something from them, you'd easily let them go. We cover the three ingredients to change (awareness, action, accountability), how to access your intuition, and why your internal narrative is the most powerful thing you have...

Max breaks down the journey from age 13 fundraising for refugees to building a proper business: getting his first van at 14, learning to price properly, and connecting with successful clients who became mentors. We cover the loneliness of entrepreneurship, why he's lost friends who don't understand the grind, and how cleaning cars opened doors to learn from millionaires. Hosted on Acast. See acast...

Bradley Shaw has been around death since he was 16. Now he's the youngest president of the Funeral Directors Association of New Zealand and sees something most people don't: life is way shorter than you think. Bradley breaks down the brutal economics of death, how funeral directors getting stuck with debt from unpaid funerals and why 1 in 5 people are skipping funerals entirely. We cover why peopl...

David Niethe breaks down the goal setting formula that actually works: Belief + Imagination + Conviction + Expectations = Results. We cover why 95% of people live in blame, excuse, and denial while 5% take ownership, accountability, and responsibility. Plus his journey from dyslexic failure to coaching champions. Sign up to Money Mail for free weekly emails to improve your finances (and get notifi...