Keep The Change

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...

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...