Keep The Change

You’ve escaped survival mode and now you’re being marketed to to give your excess cash to the machine. Wait, what machine? You’re about to find out.  Have you ever felt like you're working hard just to keep up appearances, keep up with the Joneses(who TF are they anyway?), to get a better title, to feel important? That’s status mode; a trap where self-worth is tied to possessions, titles, or...

'Put it on the mortgage'. With lower interest rates and rising house prices, why wouldn’t you? For years, many New Zealanders have tapped into their home equity; borrowing against their property to access cash. Using the house as an ATM is out of favour and now only 11% of 'new' loans were of that type. In 2019 it was almost 20%. Since the data series began a decade ago, mortgage top-ups were the...

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...

Tom, 26, shares his inspiring journey of buying his first home with his partner on Auckland's North Shore, without the bank of Mum & Dad. In this episode, Tom (a listener to KTC) unpacks the financial principles from Keep The Change (& other learning) that helped him achieve this milestone: upping his KiwiSaver, paying off a $45k student loan, investing in the S&P 500, and leveraging h...

At the back end of 2024 I started to get worried about stock market returns. I was receiving too many messages from people having great performance in their KiwiSaver and their investments. Don’t get me wrong, I loved to see it. I was even checking mine. A 16% gain for my KiwiSaver in 2024. You beauty. But when these messages kept coming, I got worried. Worried about what happens when it suddenly...

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...

Are you stuck in survival mode, living paycheck to paycheck and constantly stressed about money? This episode is for you! No shade either, we’ve all been there! In this episode, we’ll help you recognise the signs of survival mode and, more importantly, give you actionable steps to break free. We promise you there are many, many actionable steps to help you escape this stage of your financial journ...

Whether you need it to ease a bit of financial pressure or work toward a big goal, here’s how you can make it happen, even in one of the toughest economies New Zealand has seen since the 1990s. I continue to maintain that if we teach more people how to make a bit of extra cash, it will solve a lot of the individual problems people face. Many people feel stuck financially but don’t realise money is...

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...

At just 27, this young Kiwi shares his incredible journey from grinding hard in his day job to buying property outright, trading stocks, and preparing to launch his own building business.  Philip Paul has done a lot in a decade since being given the boot from school. In this episode, we dive into how he’s got ahead so quickly in NZ. From the lessons he learned by offering more value at work,...

2024 was a grind for many, and 2025 might bring much more of the same. I am sorry, I am sorry. I am forever optimistic though. I know everyone is hoping for a better year and excited about how it all just changes and changes quickly, but I am more realistic to how slowly an economy turns. However, while the challenges are real, so are the opportunities. If you’re willing to tune out the noise, foc...

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...

Ready to start 2025 right and take control of your financial future? From compounding growth to investment hacks and beyond, this podcast will help you build a financial foundation for lasting success. Tune in and take the next step toward financial freedom today! Linus and I cover a lot of ground, including: The Cost of Waiting : Discover how delaying investments—even by just one year—can cost yo...

I recently heard someone say: “It’s never been easier to succeed.” But they quickly followed it with a truth that hit me like opening the email inbox after the break. “It’s also never been easier to get distracted.” Aint that the truth! So I started thinking about what gets us distracted? Of course, we are going to take a financial lense on this. Let’s explore some softly, softly ones to start wit...

This is a re-release of an earlier podcast that other listeners have found very useful. Recently I bought a PIE fund and I’m not talking steak and cheese ones. I had a bit of spare cash sitting in a bank account and I wanted to ‘make my money work for me’ and am always looking for ways for my money to have babies and help subsidise my life/costs. I considered a Term Deposit where I deposit my mone...

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...

In this episode, I sit down with Bryce who shares his transformation: both financially and professionally, thanks to the lessons he learned from Keep The Change . After years of feeling stuck in a high-paying but limiting career, loaded with mortgages, credit card debt, and even Afterpay purchases for dog food, Bryce had a KTC wake-up call. He realised the power of accountability, mindset, and the...

When did we get so good at dismissing other people's actions to keep ourselves stuck and upset at our own situation? It makes no sense to me. Focusing on what you don’t have will only hold you back. You need to flip your mind to start looking at your own opportunities. This will give you a good reminder to focus on what you do have and ignore those who decide not to live like this. Hey thanks for...

Well, we survived until 2025, now what? This year looks like another grind of a year but as always we will have you ready for this with eyes wide open to what you need to be thinking about. In this podcast we explore some of the things we expect to see in 2025 and touch on the mini distractions that we need to be mindful of. We also make some predictions about different markets. Enjoy the year and...

This is a re-release of an earlier podcast that other listeners have found very useful. Well, it is finally here the mega pod to help you understand how to think differently and where your thoughts even come from to start with. You won't want to this podcast because we dive into ways for you to help improve your thinking and therefore your life and some of the principles behind this. We would love...

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...

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 think this content will help. Together we can collectively improve the financial...

David is back to teach us about exploitative car loans, and one lender who is now being prosecuted by the Commerce Commission. We can all learn what to look out for when taking on debt. We also discuss how KiwiSaver hardship applications are also on the rise, with more people turning to their retirement savings to manage debt, cover legal costs, or cope with reduced income. We discuss the limitati...

This is a re-release of an earlier podcast that other listeners have found very useful. Everybody loves to believe that property doubles every ten years but maybe we need it to when we factor in the cost of the things we need to pay for in the lifetime of a property. In this example, we will look at purchasing a home over a ten-year window and the things that you should consider paying for during...