Keep The Change

This is the audio from a recent YouTube video that you might find interesting. 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 someone that you t...

This is the audio from a recent YouTube video that you might find interesting. 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 someone that you t...

If your personal finances were a business, would you be turning a profit, or running into debt? The new financial year (starting 1 April every year) is the perfect time to reset, audit, and plan ahead.  In this episode, we’re tackling everything from cutting unnecessary expenses and boosting income to smarter investing and setting financial goals that actually stick. Whether you want to get o...

I recently came across a video where someone shared their frustration and exhaustion over the rising cost of living. The video highlighted that those earning above the median income are struggling too, and the situation is worse for those earning less. “I’m working harder than ever, but I’ve got less to show for it.” This isn’t just one or two people feeling this way. There were thousands of comme...

This is the audio from a recent YouTube video that you might find interesting. 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 someone that you t...

Why does having money sometimes feel more stressful than not having it? In this episode, we explore the fear, uncertainty, and pressure that can come with receiving a lump sum of cash or more than we once expected to have. From the anxiety of making the "right" investment to the deeper mindset challenges around wealth, we unpack why money feels like a burden and how to shift that perspective. This...

I recently asked 500 people whether dividends were a capital gain. Have a think about that answer. 30% think that they are. A reminder that dividends are a form of payment from a company's profits. Dividend - a sum of money paid by a company to its shareholders out of its profits (or reserves). One of the benefits of investing is that you get to learn more about how finance works. You start t...

This week, I had the privilege of returning to my old high school to speak at assembly. I wanted to share some key lessons from my speaking journey so far and insights that might help you as well. I’ll also touch on some of the messages I shared with the young lads. Hopefully, you’ll find some inspiration in this episode too. Hey thanks for listening! Please take some form of action from this cont...

This is the audio from a recent YouTube video that you might find interesting. 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 someone that you t...

This man knows how to get attention and turn it into serious business growth. In just 6 years, Stanley Henry has built The Attention Seeker from 0 to 40+ staff and isn’t slowing down. They work with some of the biggest names in the game and hit millions of eyeballs every week with their content.  In this episode, we dive into why your personal brand isn’t optional anymore and how ignoring it...

If you did your February 2025 month end, you might have noticed something…your net worth may have taken a hit? Mine certainly did (and it wasn’t just the trip to Vegas…). But before you start spiraling, let’s talk about what’s really going on. Markets have been about as stable as a three-legged chair lately. Stocks? Down. Crypto? Unpredictable as ever. 'The Magnificent 7'? Shaky as. Houses? Not do...

This is the audio from a recent YouTube video that you might find interesting. 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 someone that you t...

Scott Innes from MoneyMaverick.nz went from government employee to self-employed financial advisor; all while navigating the challenges of raising a young family in a new country. After discovering Keep the Change during his wife’s pregnancy, Scott found the confidence to take a commission based opportunity over a salaried role, despite the risks. On that, he can’t believe how much opportunity the...

I started to write this mid-flight headed to Las Vegas to watch the mighty NZ Warriors in action. They say what happens in Vegas stays in Vegas and to be fair, some of my NZD are definitely going to be staying in Vegas. Holy sh!t that place is expensive. Before I left for the USA, I needed some US dollars in cash. I did what anyone would do. I went to my bank. The one I’ve been using for around 10...

This is the audio from a recent YouTube video that you might find interesting. 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 someone that you t...

The Offical Cash Rate has decreased by 0.5% as expected. We sit down with Mikey to find out what he is seeing out there with the property market and with mortgage advisers. This is the first podcast as a bit of a trial, life from the new studio. 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...

What does it mean to live a life of abundance? In this episode, we explore the mindset, habits, and actions that lead to true prosperity. This is also more than just financial wealth. We discuss tactics of how to shift your focus from scarcity to gratitude, and from fear to opportunity.  We unpack some of our key principles of living abundantly, including financial freedom, giving, and p...

This is the audio from a recent YouTube video that you might find interesting. 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 someone that you t...

Did you know: in NZ, those born before 1966 currently hold 60% of NZ's $2.29 trillion total individual net wealth. The estimated value that will be transferred by those aged over 55 in the next 20 years will be approximately $1.11 trillion - Business and Economic Research Ltd. We are living through one of the largest transformations of wealth and knowledge EVER. Get READY! Hey thanks for listenin...

We struggled with this one but it was needed before we record ‘Living a Life of Abundance’. This is why it’s only 10 minutes! So…are you caught in a cycle of scarcity, where there’s never enough time, money, or opportunities? Are you caught in a life of ‘lack’? In this episode, we dive into what it means to live a life of lack, exploring the tell tale signs of a scarcity mindset and how it affects...

This is the audio from a recent YouTube video that you might find interesting. 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 someone that you t...

Back in 2021 (Money Mail 83) we started talking about pay cuts for NZers because interest rates were about to rise and impact a number of people. This meant a pay cut for a household budget that now had to pay higher interest costs. But we are now into the reverse. The pay rises have begun for some!!!! With rates falling, the financial relief will reach households faster because there is so much r...

Simon Phillips returns to the podcast with more wild tangents and hard-earned wisdom than you can imagine. You may remember Simon as the founder of Fitwear, the brand that skyrocketed to over $3 million in annual sales, before it all came crashing down, leaving him in massive debt and back at home owing hundreds of thousands to his parents. Now, with his debt cleared and a fresh outlook, Simon is...

If you don’t decide what enough looks like, the world will decide for you. And the world’s answer will always be “more.” Because, as I said, there’s profit in keeping you striving. When we’re stuck in a cycle of constantly chasing more, we can lose sight of what we truly want. That’s why defining what enough looks like is crucial. So, how do YOU define enough? It’s personal and it's up to you. Let...

This is the audio from a recent YouTube video that you might find interesting. 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 someone that you t...