Keep The Change

We take a big-picture look at the New Zealand property market and where things might be heading in 2025. Are prices set to rise again or are people just hopeful? We explore where property sits in the wider economic cycle, what trends are emerging, and how AI, robots and technology could reshape how we view the value of property in the future. If you’re investing, waiting, or just curious, this one...

You've probably seen the headlines: "AI set to take hundreds of thousands of jobs!" I saw a tech CEO say 1 in 2 entry level jobs could disappear, and we could see 10% to 20% unemployment due to AI. I am certainly starting to hear more about this in my DMs too. While the disruption is real, and I accept that, so is our ability to prepare financially. I put my brain to it and came up with some pract...

We are about to find out because today on the podcast, we’ve got an incredible guest who turned a tiny idea into a huge business…all before turning 23! When Iyia Liu was 21, she bought something cool online called a waist trainer it's and thought, “Hey, if I like this, maybe other girls will too!” So she used her savings (just $6,000) to buy a few and sell them online. At first, she just hoped to...

The ‘paying their fair share’ slogan is a goodie as no one can define ‘fair share’. Anyway, interestingly, I overheard a story where a pensioner receiving superannuation had a flatmate in their sleep-out (not a boarder, but they’ll probably see it as a boarder (different tax rules) and they ask to be paid that rent in cash. Why would they do this? My mind went to probably avoiding declaring it and...

This podcast was first released in December 2023 and has been an all-time favorite podcast from the audience. If you missed it, this could be worth tuning into. Mikey comes in all guns blazing around why everybody needs to experience the hunting season, and no we ain't talking about knocking over a couple of deers or goats. In this podcast we will explore what a hinting season is and how 18-36 mon...

He’s back! We finally tracked him down and ask him what he is seeing out there. In this episode, Mikey Smith (mortgage advisor & CEO of Guardian Smith) joins us to unpack the current state of the New Zealand economy.  We dive into the key changes from the recent Budget, what’s happening in the mortgage and housing market, and the bigger picture of where we’re at in the economic cycle.&nbs...

5 years ago I went live on Instagram warning people about what 'free' money could mean. 5 Years on I go live to share what I think we've seen happen. New Zealand's economy has fundamentally changed and won't revert to how things were. In this video, we explore how to adjust to these economic shifts, emphasizing the importance of controlling your own income. We discuss the current economic climate,...

Last year, I said the new government was going to have a hard time balancing the books. Why? Because they always do. Fast-forward to Budget 2025, and the numbers are in as are some major changes. Let’s breakdown a couple of the goodies….KiwiSaver changes: FINALLY! A push to save more. Investment Boost: telling businesses to 'get on with it'. What does this all mean for you? Hey thanks for lis...

Ever wondered how to juggle running a thriving 7-figure business, elite-level sport, and family life all at once? That’s above my pay grade but not this guests.  Meet Janelle Cavanagh from Withers & Co. business owner, sub-4-hour marathoner, MVP of the 2019 Touch Rugby World Cup, and proud member of Canterbury Touch’s “Legend Club”. Beyond the accolades, Janelle is also a dedicated mother...

The first edition went out on the 22nd of May 2020. 201 of you signed up. Mostly my mates or people I know. Today, it is quite surreal to say that tens of thousands of people read and listen each week across email, podcast and socials. That’s 260+ weeks of showing up. Of writing. Of thinking. Of reminding you (and myself) that we can take control of our finances, our thinking, and our future. So w...

He’s Helped 2,500 builders Achieve Financial Freedom & Control with Marti Amos Ever wondered why some builders thrive while others constantly struggle with stress, finances, and chaos? In this episode, we’re joined by Marti Amos, founder of The Professional Builder (TPB), a global coaching company dedicated to transforming residential builders into profitable, systemised businesses. Marti shar...

I ended up venturing into a large department store for the first time in ages. DIY and home improvement aren’t exactly my forte, so I don’t have too much reason to go into these stores. But walking into that store was an eye-opener. I was blown away by the sheer volume of things you could buy for your home. I started jotting down some of the wildest items I saw, but you probably already know ...

Shula Newland is the founder of FULL Balance Financial Coaching and we sit down to unpack what true financial empowerment looks like.  Shula’s journey to independent financial coach started with a knack for saving and a desire to help others take control of their money. Now, she’s helped over a thousand Kiwi reduce debt, build savings, and take back control of their financial future without s...

May 2025 marks 20 years since I purchased my first share. I was fortunate enough to start learning about the stock market at high school. At 16 I got Mum to co-approve a share account for me and bought my first stocks. I bought 520 Auckland International Airport shares for $1.94. Here's what I have seen and learnt in that 20 years.  Hey thanks for listening! Please take some form of action fr...

At just 13, Max Tebbs started cleaning cars to fundraise for refugees. Today, the 18year old runs Clean Car Collective , Wellington’s leading car detailing business with a full studio, mobile fleet, and over 125 five-star reviews. In this episode, Max shares how he turned a side hustle into a thriving company (including signing a lease at 17) and how he’s balancing business growth with his persona...

With access to debt being so easy, we can all access more than we can truly afford, ahead of time. This is how a debt-based system works. These days, you can finance almost anything. But what about when we take on more than we can really handle? How do we navigate this and be realistic with it? Let's explore! Hey thanks for listening! Please take some form of action from this content, don’t just b...

Tired of seeing Keep The Change and nextAdvisory everywhere? Blame Roimata. She’s the person behind the execution of a lot of the marketing ideas I have for my ventures and helps me get in front of more people so that we can change the wealth of the nation.  Roimata founded Burst Digital in 2023. A marketing agency built to do good , not just look good. With over 11 years of experience and a...

The IRD could very easily write to AirBNB (or similar) and ask for a list of users. Same thing for people who have lodged a bond or listed a room for rent on Trade Me. Then they could cross-check this to a tax return to see if there is a form of rental income in it. In New Zealand, we have a responsibility to report our own forms of income. This should serve as a reminder for those of you who are...

From the neon nights of Tokyo to the freedom tech of tomorrow, Cody Ellingham is on a mission to reimagine how we see the world and how we value it. A Kiwi creative now based in Japan, Cody blends photography, storytelling, and Bitcoin thinking to explore the shifting landscapes of money, cities, and human freedom.  In this episode, we dive into his journey through art, his popular podcast Th...

Apparently, in Formula 1, 'Push mode' refers to a temporary engine or battery setting that allows a driver to maximise performance for a short period, typically to overtake a rival, defend a position, or set a fast lap. We can activate push mode when we need to, but a lot of the time we don't even know we are capable of it. What if we challened ourselves to activate it and use it to get furhter ah...

From dropping out of school at 16, buying her first property at 18 to building a business for sale, Amy Po-Ching knows what it takes to succeed in property, business & life. Amy is an award winning financial adviser, mortgage broker, and founder of Property IQ, Amy has helped thousands of Kiwis get into their first home, grow investment portfolios, and unlock financial freedom. She has built a...

I read an article recently about a company who owed over half a million dollars to the IRD and was now unable to pay. I checked the companies office, which is a register of all companies in NZ, and this company has been put into liquidation by one of the shareholders. Days later the same shareholders and directors had a new company under a different name and that would start with $0 in tax owing t...

Ever wondered how to tap into the lucrative world of commercial real estate but weren't sure how or where to start? In this episode, we chat with the team behind Rethink Investing New Zealand , the country's premier commercial property buyer's agency. With over $5 billion in successful transactions and thousands of happy investors across Australia, Rethink Investing have got their sights set on he...

1 in 2 business owners in New Zealand are over 50. This is according to CPA Australia's Asia-Pacific Small Business Survey. Compared to NZ, the Asia-Pacific average is against a survey average of 28% New Zealand has around 546,000 small businesses, which represent 97% of all firms in the country. These small businesses are a massive part of the economy, contributing significantly to employment and...

After sparking massive engagement on social media this week about pet emergency funds and pet insurance, this podcast wraps up the convo and gets us thinking.  We know you love your pussy and pooch like family but what happens when unexpected vet bills arise? Is pet insurance a waste of money? Is the pet industry going to boom? Discover why having an emergency fund could save both your furry...