Keep The Change

Recently I teamed up with Lighthouse Financial and Sorted for this emergency fund masterclass, and it's exactly what every Kiwi needs to hear right now. 44% of Kiwis don't have an emergency fund. That's 2.3 million adults walking around completely exposed to life's curveballs. In this session, James from Lighthouse, Tom from Sorted, and I break down: Why you need $1,000 before you do anything else...

You see it online all the time: “Not everyone wants to be a business owner. Well, no sh*t. You don't often hear: ‘’Not everyone can be an employee.’’ Right now, over 406,000 Kiwi are currently receiving a form of ‘main benefit’ government support. Imagine if just 10% of those 406,000 people were equipped with boring ole income-generating skills? Why haven't we normalised this? Hosted on Acast...

What makes a great fighter and an even better coach?  City Kickboxing head coach Eugene Bareman opens up about his journey into fighting, the critical role of self-discipline, and why mental toughness matters more than raw talent.  We explore the reality of big paydays, the resilience required to stay at the top, and how he’s helped shape a culture where even the biggest superstars stay...

Today, we sit down with Rose Kennedy, the visionary behind Rose’s Dining Table (https://www.rosesdiningtable.co.nz/), a unique experience that turns dining into a form of creative expression.  From quitting her full-time corporate job because she knew she wasn’t herself, to designing immersive dining experiences across New Zealand, Rose shares how her signature pink dining table became a symb...

Prepare to be inspired by Aaron Wilton-Jones, entrepreneur, TikTok sensation, and co-founder of Autoclean Premium Detailing. The once skydiving instructor launched a thriving car detailing business that changed his life and took him on a journey to making more money online than he had from cleaning the cars. With over a million combined followers on social media, Aaron is now teaching thousands wo...

Sometimes I find myself wondering…what if the reality is that most people don’t actually want to accept what it takes to make their lives better? Billion-dollar wisdom can be served up cheaper than your $7 trim flat white you need to go for a walk. It’s almost as though, now that it’s all sitting in front of us, we are thinking ‘I better pretend I don’t know, so then I don’t need to take action’....

Unemployment Hits 5.2% 400,000 Kiwi Want More Work We’ve got to the stage of the cycle where more people than ever want more employment. But many are fishing in the wrong pond or using the wrong fishing line altogether. Why? Well they haven’t been taught how to fish. What if more of them knew how to increase their income by other means? Back when unemployment was 3.3% I was encouraging people to l...

Banks are slow. Fintech is fast. Dosh is here to shake up how money moves in New Zealand.  In this episode, we chat with Shane Marsh, one of the co-founders behind Dosh about the pain points they're solving, what financial innovation actually looks like, and what’s next in the race to modernise Kiwi banking.  Over the past four years, they’ve rolled out savings accounts, cash back debit...

A person recently explained that they borrowed money against the equity in their property to invest into shares. They came into some money and paid down non tax-decuctible debt and then turned around and borrowed it to by stocks. Because the new loan is used for investment purposes, the interest is now potentially tax-deductible (not tax advice!!!). We dive into the world of 'debt recycling'. Hey...

I sit down with Viv from Girls Get Off , a trailblazing brand challenging societal norms and empowering women to embrace their pleasure and confidence.  We dive into Viv’s journey as a founder, the challenges of disrupting the status quo, building a strong community, and what it really takes to grow a purpose-driven business when the powers that be won’t let you run any advertising.  Viv...

Put simply: this is a buyer’s market, and it’s looking even colder in winter. Will prices keep falling? Will FOMO return? Will interest rates spark another surge? Maybe. Maybe not. I don’t know, but I can't see where the demand will come from. Here's my case for why housing will be flat for another 12 months. Hey thanks for listening! Please take some form of action from this content, don’t just b...

The property market has been flat for some time and many people are hurting with the fact that they bought poorly in the peak. Tama is seeing this frustration in his DM’s.  In this episode, we sit down with Tama Singh , a Kiwi property coach with over 200 deals done. This is his third time on the podcast so we find out whats changed, how many flips he has done and what he is seeing in the mar...

Maybe, like me, you’ll decide that if the current system isn’t enough, it’s time to take matters into your own hands. From there, if you feel strongly enough about this, campaign for further change too. Put your own bloody life jacket on first. I get it, the economy is tough and the cost of living sucks, but there will always be something demanding your dollars. It’s not about perfect timing. It’s...

I sit down with my Mum to unpack the money lessons that shaped her (and maybe me!), personally and financially. I learn plenty including a surprise that she manages 11 bank accounts and I ask her why!  From childhood jobs and frugal habits to navigating tough times and celebrating financial wins, Mum shares the stories, values, and moments that defined her relationship with money. We look at...

Note: this is the same podcast we recently released, but without the swearing bleeped out due to popular request Strap yourself in because today we sit down with mental performance coach David Niethe, author of the book The Winning Mindset. Weightlifters, Lydia Ko, Israel Adesanya, Olympians, Millionaires - just a sample of Dave’s clientele.  Together, we explore how the same mental tools use...

It’s often said with confidence, like ‘duhhh how do you not know this?’. But where did this saying come from and does it even make sense anymore? I get it, it sounds comforting. Sensible. Even savvy. Like you’ve got it all figured out. But it's another financial throwaway line that hides a much harder truth: owning a home doesn’t guarantee financial security in retirement. Let's get real for a sec...

Paul Quickenden, Chief Commercial Officer at Easy Crypto is back on the podcast and we explore the dynamic world of cryptocurrency in 2025. Easy Crypto recently sold too so we will find out what that is about and where to next.  We delve into: Bitcoin's Evolution: is Bitcoin transitioning from a volatile asset to a more stable investment option, potentially becoming the 'new boring' in the in...

Strap yourself in because today we sit down with mental performance coach David Niethe , author of the book The Winning Mindset . Weightlifters, Lydia Ko, Israel Adesanya, Olympians, Millionaires - just a sample of Dave’s clientele.  Together, we explore how the same mental tools used by elite athletes and performers can be applied to our lives and finances. From overcoming self-doubt to buil...

An Instagram live with Mikey to brainstorm some ways to make more money and what gets in our way when really it is so much simpler than we realise. 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...

I had many hard working roles when I grew up. BUT I noticed something…if I did overtime or worked public holidays, I’d earn 1.5x or 2x. That got me thinking: why am I suddenly worth double for doing the same job? Eventually, I learned something that changed my life: you’re not paid for the hour, you’re paid for the value you bring to the hour. That’s a confronting idea and we need to explore it. H...

Some Kiwis are waking up to a different way to build their property portfolio: rent-vesting. Blasphemy you say? Or maybe just a fad? In this episode, Ilse joins us to unpack how renting where you want to live and investing where the numbers make sense can supercharge your wealth without sacrificing lifestyle. We dive into: – How to use location arbitrage to your advantage – Adding value in a marke...

We are asked so many questions about peoples complicated scenarios and it is very clear that the answer is to make more money. So why do we pussy foot around this conversation in NZ? Why are we lying to people and not telling them the truth that they need to earn more? What if we looked at making more money as a new language? Let’s dig in. This podcast features Mikey Smith of https://guardiansmith...

We are all familiar with the saying Keeping Up With The Joneses. BUT there’s been a BIG change. The Joneses got rich. And you know what they are doing with it? They started passing it on. The bank of Mum and Dad is now said to be the 5th biggest lender in New Zealand. And here you are. No Mr or Mrs Jones backing your big moves. But unfortunately, here you also are: comparing yourself to your mates...

Stuck at the top of the teaching pay scale, stretched with a young family, and watching inflation outpace his income, Fraser Kilgour made a bold move. He left his secure government job to jump into the world of real estate. Backed by nothing more than a strong work ethic, an amazing wife, a leveraged property portfolio, and a desire for more. In this episode, Fraser shares: What it’s like to walk...

WTF are 'green shoots' that we keep hearing about? It seems like the latest catchy economic term. Green shoots are defined as ‘signs of recovery or growth’. I like the idea of better days coming. I love the idea of ensuring that better days are coming. I recently saw a line about how Kiwi are...‘’looking for green shoots to build confidence…’’. Well, I went looking for some, and I found some...