Keep The Change

Clue - it isn't a stock on the stock market. This investment is often overlooked by the masses but not by those who really know how to get a huge return. Check this lesson out and see what it is 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...

Back at it with 'double tax' and explaining that there is no such thing. Tune in for a simple reminder of how secondary tax won't destroy your second jobs wages. 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 financia...

Us humans love to complicate things and make them more complicated than they need to be. Like assigning value to money. How does it work and is money really the root of all evil? 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 m...

We look at an article about how highly paid CEO's should have potenitally not been paid during the tough year that COVID brought us. What good can come of hating on those who earn more than us? Time to explore. 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 t...

Take action...of course. This was a lesson from a new calendar year. We talk about making a financial resolution for the new year and how taking action is so so important. 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 an...

Couldn't help but wish everyone a Merry Christmas so we took the opportunity to look at being grateful and thinking about the things that we do HAVE at Christmas time rather than comparing lives to others on social media or in the neighbourhood. 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 M...

Living paycheck to paycheck. How does it happen, why do so many people do it and how can we break the cycle? We take a look at the theory of saving first, not last in order to build a new habit. 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...

Can you give $100 to a complete stranger? How would that make you feel. This is the challenge (it doesn't have to be $100) that a number of readers and listeners have taken to give back to those around them. We look at why you might want to do 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...

Gifts, gifts and more gifts. Do people really need them? We take a look at different practical ways to re-think Christmas time and how we approach it. 25% of Kiwis end up anxious about the amount they spent on Christmas. How can we avoid falling into the same trap? Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure yo...

Working huh. Maybe we continue to work once we get to the age that people think retirement kicks in. Today we do some math and explore what income streams we might have to spend when we are 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 subscribed to Money Mail via Keepthechange.co.nz to receive ou...

Let's be honest we don't know when we will retire and what it will look like when we get there do we so it's hard to know exactly what we'll need. BUT todays lesson is about starting to think about retirement and how we can fund the retirement we want. 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...

A framework that successful people use to get plenty done. There is no reason why you can't copy it and use the exact same framework. If you are stuck in a rut then this is for you. There is a challenge to use this framework for something finance related too - get stuck in and get it done. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become...

Lessons from starting a business where 85% of our customers were female. Our money backgrounds are all completely different so we should expect differences in how we deal with money in our day-to-day lives. We discuss some stats and how we can get on the same page with our partners. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a prod...

Housing Boom...we look at the housing market going absolutely nuts and stop to think about whether this is something we really want ourselves? What are our goals and what do we care about? Who keeps telling us to buy houses, is it something we really want? 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...

Bitcoin. The big B word. In this episode we look at money following attention (again) and how last week's episode tied into this. We touch on how and why this might be happen and give you a resource to listen to if you want to learn more about cryptocurrencies. 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...

The title is clickbait of course but it is somewhat true. People with large amounts of attention can influence how much money flows toward something. Think influencers? They work right? We talk about how if you can spot this, you may be able to use this to your advantage. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make...

Kiwisaver. Our first look at this big beast that is Kiwisaver. There is a lot of information online about Kiwisaver and we always suggest getting a good understanding of the basics. Kiwisaver gives us the option to take guaranteed 50% and 100% gains - we look at how. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure...

Are taxes going to go up? For people earning over $180,000 there is a new tax bracket for you. That is only 2% of income earners. We look at whether this will be enough to pay down some of the debt that we have racked up as a nation. There is no point in hating on these high-income earners either - that doesn't help us. Hey thanks for listening! Please take some form of action from this content, d...

Mental Health Awareness week. A very important week. Did you know that a very high percentage of people facing mental health challenges say that financial pressure makes their problems worse? We dive into what we can do to look after ourselves when it comes to finances and how we can look after others too. Hey thanks for listening! Please take some form of action from this content, don’t just be a...

We take a look at the traditional borrow mentality we get taught. Degree, payday to payday, phone, car, house, ring, boat. What if we borrowed someone else's methodology? Who could be looking to for advice? First, we need to identify what things we want from life and then figure out the pathway to go on. Hey thanks for listening! Please take some form of action from this content, don’t just be a c...

Cannabis this, tech that, start up this, secret insight that. It goes on and on. Everyone has a stock tip at the moment and it's hard to know who to listen to or even if it's worth it. We look at Exchange Traded Funds and how they work. Keep it simple! 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...

Yup you read that correctly. Get your hand off it. You've probably heard that a few times. It's you not touching your savings. More specifically your rainy day account that builds up to give you a level of confidence should an unexpected bill come out of nowhere. 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’...

The week I became an Uncle. Did I send my Sister a brilliant jumpsuit for my Nephew? Nope. He got a really boring gift the poor wee fella. But maybe, just maybe this could be the gift that keeps on giving. Find out what we are talking about in this 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 sub...

Usually, they pop right? We take a look at the level of debt in the economy and how that works. Where does it all go and where did it all come from? Financial asset prices are bubbling and it's because there is so much money in the system. In this episode, we try and break down how that works in plain English anyone can understand. Hey thanks for listening! Please take some form of action from thi...

Leverage. The big L word that isn't Love but Kiwis Love. It's how many home owners buy a second home without paying any money down. Say what? Tune in to find out how to buy a second home using your first one. Then rent it out and have the tenants repay the debt and expenses. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Ma...