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Keep The Change

Keep The Change - improving Kiwis financial literacy. Ever wanted to learn more about money, the economy, finances and how to have a better financial life? Now you can. This is one of New Zealand's leading financial learning podcasts. I (Luke) wanted to share insights from my life, my role as a Chartered Accountant with successful and failing clients as well as a look at all of the dumb sh!t I have done along the way too. There is also a read of the weekly 'Money Mail' lesson. Please take action :) You can subscribe to the weekly Money Mail lessons that come out at 9am every Friday. See Keepth...

Author

nextAdvisory

Category

Education

Podcast website

www.keepthechange.co.nz

Latest episode

Jul 8, 2026

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Episodes

Money Mail 105 - Investing in yourself during tough times 12.05.2022

When I put together the 30 in 30 podcast series, one of the most mentioned podcasts was around investing in yourself. Investing in businesses and deals seems complicated. It is something that not all of us are familiar with, but I like to remind people to keep it simple. Start by investing in yourself. Hey, thanks for listening! Please take some form of action from this content, don’t just be a co...

Money Mail 104 - What is a recession? 07.05.2022

Last week we learnt that in the United States their GDP growth for the first quarter was actually a drop of 1.4%. This wasn’t expected and the anticipation was that there would be 1% growth. People don’t like to see drops in quarterly GDP growth. It gets people talking about the R word. Recession! What about here in NZ? Hey thanks for listening! Please take some form of action from this content, d...

Money Mail 103 - The world is a changing (quickly!) 07.05.2022

Whatever you invested your wealth in over the last couple of years, we are all in for a bumpy ole ride. A bumpy ride usually means we lose the odd person to car sickness, but together we make it to the other side. This is a chance to learn and to learn about ourselves. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sur...

Money Mail 102 - Lotto...the great heist? 24.04.2022

Lotto aye...the great gamble kiwis love to dabble in every week. So what are the chances of winning Powerball and is it better to guarantee we become a millionaire vs. hoping that a yellow ticket does the job for us? Let's have a fun look at Lotto. 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 t...

Money Mail 101 - Struggling to buy a house? Try this 14.04.2022

I was reading up about Kāinga Ora’s first home partner programme. To summarise it really quickly for you, Kāinga Ora (a govt department) have a first home partner offering that help you get into your first home. They do this by purchasing a percentage of the house you want to buy and you finance the rest with the bank. Let's learn how it works and where we can find more info. Hey thanks for listen...

What To Do When You're Stuck 13.04.2022

Tune in to hear my thoughts about what to do when you're feeling stuck and how to find ideas. 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 on social media and share this with som...

Mind Blowing Experts I Listen To 12.04.2022

By now you have probably realised I consume a lot of content. Tune in to find out what mind blowing experts I listen to for education, inspiration and motivation. 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 financi...

Mind Blowing Books To Read 11.04.2022

Listen in to find out about important books around financial literacy that could help you further educate yourself. These books have really helped my life i hope you get a lot out of them 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 week...

New Financial Year New You (Part 2) 10.04.2022

Part 2 - Thinking differently about your new financial year. Tune in to find out why if you only think about paying down debt you may still end up in debt. 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 lite...

New Financial Year, New You? (If you dare...) 08.04.2022

How can we achieve more than ever before? This starts by changing our thinking. Tune in to see how people are about to get pounded by things they can't control that will mean they focus on contracting rather than growing. 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 Keepthecha...

Money Mail 100 - Week 100 - the cost of running KTC 08.04.2022

100 not out!!! We made it to episode 100. Thanks for learning. Today we look at the cost of running Keep The Change for the last financial year. Do you think this is a profitable venture for me or an investment into other peoples education? Tune in to find out 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...

Money Mail 99 - Who’s got all the cash? 31.03.2022

Transaction accounts have increased in balance by around $25 billion since the start of the pandemic. Who has all of this cash and what are they planning on doing with it? For some of you who like to hustle, you have to understand that people are sitting on large amounts of cash that they can access (it’s not locked up in stock markets or term deposits, for instance). That means you can access it....

30 In 30 | 30. YOU Are Powerful As Fark So Who Stole Your Power? 29.03.2022

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when I quit my job. For the 2022FY I will pay the IRD more tax than what my entire salary was when I left my job. Who would want to pay more tax? Tune in and find out my crazy logic. Hey thanks for listening! Please take some form of action from this con...

30 In 30 | 29. What Did I Miss? 35 High Level, Key Points 28.03.2022

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when I quit my job. For the 2022FY I will pay the IRD more tax than what my entire salary was when I left my job. Who would want to pay more tax? Tune in and find out my crazy logic. Hey thanks for listening! Please take some form of action from this con...

30 In 30 | 28. Your Questions From These Lessons 27.03.2022

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when I quit my job. For the 2022FY I will pay the IRD more tax than what my entire salary was when I left my job. Who would want to pay more tax? Tune in and find out my crazy logic. Hey thanks for listening! Please take some form of action from this con...

30 In 30 | 27. Visibility Is A Fake Metric For Success 26.03.2022

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. 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.c...

30 In 30 | 26. My Step Dad Passes Away 25.03.2022

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. 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.c...

Money Mail 98 - Achieving my weird goal 24.03.2022

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when I quit my job. For the 2022FY I will pay the IRD more tax than what my entire salary was when I left my job. Who would want to pay more tax? Tune in and find out my crazy logic. Hey thanks for listening! Please take some form of action from this con...

30 In 30 | 25. Why I Rent (Listen With Open Mind) 24.03.2022

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. 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.c...

30 In 30 | 24. The Top Tax Bracket (39% Tax 🤯) 23.03.2022

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. 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.c...

30 In 30 | 23. The 'Buying Fancy Sh!t' Trap 22.03.2022

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. 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 Keephechange.co...

30 In 30 | 22. Stag Do & Friends Share Groups 21.03.2022

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. 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.c...

30 In 30 | 21. Spending To Get Time Back 20.03.2022

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. 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.c...

30 In 30 | 20. Giving | Why I Think Giving Is Important 19.03.2022

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. 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 Keetphechange.c...

30 In 30 | 19. Commit & Then Figure It Out 18.03.2022

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well. 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.c...

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