Keep The Change

Luke caught up with Greg Smith, investment specialist at Generate to break down everything you need to know about the 2026 budget. From changes to FIF rules, to the new infrastructure developments and what it means for everyday New Zealanders. Find Greg: https://www.linkedin.com/in/greg-smith-cfa-07214215/ https://generatewealth.co.nz Amy from http://Levridge.co.nz has come on as a sponsor of Keep...

Dave Wood is one of New Zealand's leading experts on stress control, from working as an intensive care paramedic to coaching some of the UFC's top fighters, and today I sat down with him to understand how to better harness & control our own stress. Dave breaks down the crisis of unprecedented levels of stimulation in the modern age, how to control your stress level and the breathing techniques...

Mark from Feijoa built an app that rounds up your spending and puts it straight into KiwiSaver. 3,000 users are now contributing hundreds if not thousands per year extra without thinking about it. Mark breaks down how it works, we cover why they chose KiwiSaver first, the 1.6 million who don't regularly contribute, and how roundups solve the behaviour problem traditional saving can't. We cover the...

The question a grandparent asked me this week. They had been tucking money away weekly for their grandchildren and wanted to know if they were missing something by not investing the money. They currently save it into a bank account. Great intentions but times have changed a bit! Over long periods of time, investing can dramatically outperform cash sitting in a bank account. So how do we go ab...

New Zealand liquidations have hit a 15-year high, the highest since the GFC. Todays guest is lawyer Brent Norling who's receiving 160 calls a month from businesses drowning in tax debt, one of the main driving factors of these liquidations. IRD debt has exploded from $2.5 billion to $9.5 billion, with the next update likely starting with a 10. The pattern is often the same: lose money on a job, do...

That subject line sounds so sexy. But one of my first jobs out of uni was not so sexy. Being an auditor. Don’t you dare judge me. This meant that in my early 20s, I worked inside councils, universities, government organisations, and powerline companies reviewing payroll systems and employee records. I think this experience mattered more than I realised at the time. Because once you’ve seen th...

Today we're talking about the all important subject of how where you live impacts not only your finances, but your life in general. Answering the questions of should you move somewhere cheaper to save money? Or does it make sense to live in a more expensive area to go after opportunity? Should you buy someone with a long commute, or rent somewhere without one? All of this and more in todays episod...

There is no hard and fast ‘business or hobby?’ number, so let’s explore how it works. To start with, let’s keep it simple. A hobby = done for fun. Probably one off or done rarely. A business = done to make money. Consistently. However, it’s not what you call it. It’s how it looks. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a produc...

Michelle Morfett has a cake shop, a self published cookbook, an ecommerce site, a thriving social media presence and manufactures her own baking tins. Today she breaks down how she built multiple income streams, we cover why she turned down publishers, and why diversifying income streams gives her confidence. We cover the loneliness of entrepreneurship, why she lost all shame about posting content...

Today, I want to tell you about a new Kiwi fintech called Feijoa. But first, full transparency: after being a customer, I ended up investing in their recent funding round and am now a VERY, VERY small shareholder. So yes, you could 100% argue I’m biased. It is my first 'Fintech' investment, and I am looking forward to taking you on that journey of how that space works, where appropriate also. With...

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Create an account with Sharesies using the code 'KTC10' and they will match your first $10 deposit with an additional $10 to get you started investing: https://sharesies.com terms and conditions apply Investing involves risk. You aren’t guaranteed to make money, and you might lose the money you start with. Any information we provide is general only and current at the time prepared. For advice we p...

Mike Sutherland bought a tiny brewery in Leigh with very little brewing experience. Now, Sawmill produces almost 2 million litres a year and employs 50+ people. Mike breaks down the journey from learning to brew from a textbook, competing against Lion and DB's exclusive contracts, and building the business through farmers markets and word of mouth. We cover the 1am phone call that changed everythi...

New Zealand ranked last out of 11 Asia-Pacific countries for business growth for the second year in a row. And I don’t think it’s JUST because of the economy. The data suggests it’s because of who’s running it. One factor is something we are scared to talk about. Let me explain.  Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a pr...

Andrew Rooney started making drum videos as a personal library for his students. Now he's got 177,000 subscribers and makes more from YouTube than he ever did gigging. Andrew breaks down the accidental journey: from "Coffee with Rooney" Facebook lives during COVID to viral drum reaction videos that hit 3.5 million views. We cover why he gave up thousands of gigs to focus on content creation, the l...

I know I’m flogging a dead horse because there are now a million users of it and over 40% of the users have multiple accounts. But anyway, I enjoy pushing sh!t up hill for the few who will listen. When you’ve already pre-spent and committed that buffer on repayments, you don’t have cash to absorb the shock so you feel it immediately. The buffer in the budget is gone! That makes you vulnerable. No...

Alongside six others, Leighton Roberts co-founded Sharesies back in 2017. Sharesies is a wealth app that's helped make investing simpler for one million users. He breaks down why most people struggle with investing and how to actually get started. Leighton explains why Kiwi can get overwhelmed by choice, the journey building a startup, how to overcome analysis paralysis when it comes to investing,...

ASB just dropped a number that made me look twice to see if it was right. They say that ‘households will likelThat’s hard enough for most people. But then an accountant like me says no you don’t. You need MORE! Because that $55 a week is after-tax money.y face a $55 per week increase in the cost of living over 2026'. Let's explore how that works. Hey thanks for listening! Please take some form of...

Just when it felt like things were improving, here we go again. Multiple conversations I had over the week cited the same thing. People back in fear. People delaying decision making. People not wanting to invest or take out debt. Business confidence has tanked quickly too! Inside my business I’ve noticed business planning inquiry drop. It’s hard to plan for 12 months' time when you can’t see certa...

Chloe McKnight sells businesses and sees the same patterns: the businesses that sell well are organised, have systems, and can prove consistent income. The ones that struggle are hoping someone will pay for their potential. She's seen young people selling e-commerce empires they built as side hustles, and baby boomers shocked their 30-year business isn't worth what they thought. We cover vendor fi...

Mikey and I have both become millionaires through building million dollar businesses alongside traditional investments. Mikey left a million-dollar income to start Guardian and is only just coming out the other side after four years, whilst Ive grown my accounting & advisory firm alongside my business partner to $2m/year in revenue. We cover the valley every entrepreneur faces, why most people...

Most people are letting momentum and compounding work against them. They're compounding the wrong things... Debt, bad habits & negative thinking, instead of building momentum toward their goals. Luke and Mikey break down why momentum is like compounding but for your daily life: once you get it rolling, things become easier, but you have to get your foot on the gas first. We cover the stages of...

The other day I posted a photo online. It was just a payment terminal with a small sign: “CREDIT/PAYWAVE 1.5% surcharge”. It blew up. HUNDREDS of thousands of people saw it. Hundreds of comments. Over one thousand people voted in a poll asking if they do the same. In the comments, people were debating, agreeing, asking questions. All over one simple statement: “I still insert debit card to avoid 1...

Renata built Roam with Kids from zero to 4,000 paying subscribers while raising three kids. Her secret? Posting every single day for two and a half years, even when no one was watching. Renata breaks down the reality of building a startup in New Zealand, whilst juggling work & kids. We cover the loneliness of building something while everyone else has normal jobs, and how consistency beats per...

Immigrants often arrive with nothing to fall back on so “safe” feels different. Why are so many newcomers in NZ are willing to start businesses, take bigger risks, and end up hiring Kiwis? While locals often see business as too risky. Hosted on Acast. See acast.com/privacy for more information.