Keep The Change

What To Expect In 2026: Stocks, Inflation & Kiwisaver w Greg Smith of Generate

24 Jan 2026

Contributed by Lukas

2025 was a strange year for investors, but 2026 could be even stranger. Generate's Greg Smith breaks down what every Kiwi needs to know.We cover the i...

How Much YouTube Paid Me For 1.6M Views In New Zealand

23 Jan 2026

Contributed by Lukas

Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Hosted on Acast. See acast.com/privac...

Capital Gains Tax Will NOT Lower House Prices (here's why)

21 Jan 2026

Contributed by Lukas

Labour recently announced a 28% capital gains tax on rentals, batches and commercial properties. Politicians say it'll make housing affordable, but th...

MM 297 - 2026 On Easy Mode! Get Good, Get Known

19 Jan 2026

Contributed by Lukas

‘If no one knows you, money won't flow to you’ - simple but confronting words that stopped me in my tracks a long time ago. Unfortunately, for man...

NZ Property Predictions For 2026 | You MUST See Last Years Too!

17 Jan 2026

Contributed by Lukas

Everyones favourite to predict...and get wrong!See what happened in 2024 and 2025 here: https://www.youtube.com/watch?v=TTvtdNmI7gU Hosted on Acast. S...

How I Make 'Passive' Income In New Zealand

17 Jan 2026

Contributed by Lukas

Its not as glamorous as some make it out to be, but here's the truth as to how I make genuinely passive income from New Zealand.Sign up to Money Mail ...

What Every Kiwi Needs To Know About Wills, Prenups & Protecting Wealth: Holly Egerton

14 Jan 2026

Contributed by Lukas

1 in 2 New Zealanders don't have a will. That means when they die, their family gets chaos, uncertainty, and massive legal bills to sort everything ou...

How To Invest Your First $1,000 in New Zealand

14 Jan 2026

Contributed by Lukas

Today Im breaking down exactly how to get started investing in New Zealand, and why it may not be what you think... Sign up to Money Mail for free wee...

MM 296 - How To Create A Budget In New Zealand

12 Jan 2026

Contributed by Lukas

New year, new you yada yada. But 'budgeting' is highly searched at this time of the year. I want to show (or remind) you how I think about budgeting, ...

What You're Not Changing, You're Choosing: Sarah Robb's KTC Unplugged Talk

09 Jan 2026

Contributed by Lukas

Sarah breaks down the uncomfortable truth: you're gaining something from your problems. Whether it's safety, comfort, familiarity, identity, or an exc...

From $20 Car Washes to $42K Months: Max Tebb's KTC Unplugged Talk

08 Jan 2026

Contributed by Lukas

Max breaks down the journey from age 13 fundraising for refugees to building a proper business: getting his first van at 14, learning to price properl...

The True Cost of Death in New Zealand: President Of NZ's Funeral Association Bradley Shaw

07 Jan 2026

Contributed by Lukas

Bradley Shaw has been around death since he was 16. Now he's the youngest president of the Funeral Directors Association of New Zealand and sees somet...

David Niethe KTC Unplugged

07 Jan 2026

Contributed by Lukas

Hosted on Acast. See acast.com/privacy for more information.

MM295 - Do This Simple Financial Exercise To Smash 2027

06 Jan 2026

Contributed by Lukas

How much money do you want in your hand each month? That’s your goal. Next, get clear on your starting point…How much do you actually have after t...

Mikey's KTC Unplugged Talk: Getting Engaged, Building A Business & Lessons From 2025

05 Jan 2026

Contributed by Lukas

Luke & Mikey reflects on the year that changed everything for them at Keep The Change Unplugged, including the business lessons that came from yea...

Your ‘Messy Mind’ Could Ruin 2026

28 Dec 2025

Contributed by Lukas

Most people's minds are a complete mess. They're worried about Bitcoin, day trading, Trump's 50-year loans, and whether they should invest or pay down...

MM 294 - How Would You Sum Up YOUR 25?

23 Dec 2025

Contributed by Lukas

Out of interest, I asked the KTC audience how their year was via Instagram. Let's go through some replies. Some raw ones there! And interestingly, 66%...

The 21 Year Old Kiwi Making Millions With Ecommerce

21 Dec 2025

Contributed by Lukas

Blake Evans is 21 years old and generated $1.7million in revenue last month (November 2025). He's running a global e-commerce empire from his bedroom....

MM 293 - Will You Unsubscribe?

18 Dec 2025

Contributed by Lukas

Earlier this year a statistic from a Censuswide survey said Kiwis are checking their devices up to 50 times an hour. Another report said people get ar...

What If New Zealand Bans Consumer Debt In 2026?

17 Dec 2025

Contributed by Lukas

Half the stuff you buy, you can't actually afford. But debt dealers have found a way to break down payments so your future self can pay for today's ba...

They Don't Teach This At Uni... So Im Doing It

15 Dec 2025

Contributed by Lukas

I headed into BDO to talk with their interns about what uni doesn’t teach you:- How not to get stuck in survival & status mode- How most people ...

Reflecting On KTC Unplugged 25

15 Dec 2025

Contributed by Lukas

Thanks to everyone who came along to KTC Unplugged 2025. Here's some thoughts from behind the scenes and some insights from the night. Hope to see you...

MM 292 - Do You Risk Enough To Expect Reward?

11 Dec 2025

Contributed by Lukas

If everything you do is safe and predictable, then the outcome will be safe and predictable too. This was a tough life lesson for me to accept. But it...

Building Wealth Through Buying a Business in New Zealand: Ryan O'Connor

10 Dec 2025

Contributed by Lukas

Ryan breaks down his journey from employee to business owner: 12 years working for others, multiple failed attempts at partnerships, and finally findi...

NZ's Shared Home Ownership Scheme: The Solution For First Home Buyers?

07 Dec 2025

Contributed by Lukas

Most first home buyers think they need 20% deposit and will take 8-16 years to save it. Meanwhile, house prices keep rising faster than their wages.Ja...

MM 291 - Why Your Boss Drives a Ranger & You Don’t

04 Dec 2025

Contributed by Lukas

Most employees think their boss is “making a killing.” In this episode, I break down the hidden costs of running a business, the real risks owners...

Has NZ's Economy Hit Rock Bottom? What's Next In 2026?

28 Nov 2025

Contributed by Lukas

"Survive to 25" was bullshit. We're halfway through 2025 and it still feels brutal. But the data is starting to tell a different story.Luke and Mikey ...

MM 290 - Why I Went To Queenstown To Plan The Next 12 Months

27 Nov 2025

Contributed by Lukas

We hit pause on the day-to-day noise and take a step back to ask ourselves the big questions. Where do we want to be in 12 months? What about in 5 yea...

The Strengths Coach Who Helped Change My Life: Suzanne Oh

26 Nov 2025

Contributed by Lukas

Someone once told me to focus on my strengths. I said how. They showed me the Gallup’s StrengthsFinder to figure out what I’m actually good at, an...

MM 289 - Overtaxing Kiwi Leads Them To Want To Work Less

20 Nov 2025

Contributed by Lukas

Every week in NZ, people turn down overtime, stop pushing for bonuses, or refuse side work because they think it’s not worth it. Is that right? Some...

New Zealand's Population Crisis: What's Really Happening w Professor Paul Spoonley

16 Nov 2025

Contributed by Lukas

For 12 months, 70,000 New Zealand citizens have left to live overseas. 60% went to Australia. That's the highest we've ever seen.Our most popular gues...

MM 288 - Only 21% Of People Are Engaged In Their Work (Why?)

13 Nov 2025

Contributed by Lukas

Only 21% of people globally are engaged in their work. That means almost 4 out of 5 people are turning up each day to something that doesn’t really ...

What Every NZ Family Needs to Know About Retirement Homes, Wills & Ageing Parents: Emily Silby

12 Nov 2025

Contributed by Lukas

Most Kiwi families have no idea what's coming when their parents age. Then they get hit with legal bills, family fights, and financial shocks they nev...

MM 287 - The End Of Tax-Free Property Gains?

06 Nov 2025

Contributed by Lukas

Labour’s Chris Hipkins has put his chips on the table with a Capital Gains Tax. Yep the one that’s always been political poison in New Zealand. Wi...

The State Of Men’s Health in NZ w Movember’s Robert Dunne

05 Nov 2025

Contributed by Lukas

Every November, we see the moustaches pop up but what’s really behind the movement?In this episode, we sit down with Robert Dunne, Movember’s New ...

MM 286 - What The Wealthy 20% Of Households Own In NZ

30 Oct 2025

Contributed by Lukas

Stats NZ dropped some new household wealth data recently. And apparently…we’re richer. The median Kiwi household is now worth $529,000. Remember '...

3 Kids, 30 Ideas. Doing It Sustainably w Rita (Sustaina Grow NZ)

29 Oct 2025

Contributed by Lukas

Sustainability isn’t just a buzzword for Rita, it’s become a core driver of long-term business success. In this episode, Luke sits down with Rita ...

Will My Parents Be Able to Afford to Retire? w Amy Po-Ching

27 Oct 2025

Contributed by Lukas

Retirement planning isn’t just for you it’s for your whole family. In this candid conversation, I ask Amy to explore the tough but necessary quest...

Waiting For NZ's Economy to Get Better Won't Work... with Mikey Smith

24 Oct 2025

Contributed by Lukas

New Zealand isn't the same country it was five years ago. But most Kiwis are still living like it is.We've shifted from a factory economy to a skills-...

MM 285 - Don’t Forget Who Helped You Get Here

23 Oct 2025

Contributed by Lukas

Too many of us have become weak in our reasons. Reasons are very powerful because they carry emotion and can pull us forward. If you haven’t, I woul...

Build Wealth Buying Into the Business You Work For: Phil Smith Next Advisory

22 Oct 2025

Contributed by Lukas

Most Kiwi employees are sitting on a goldmine and don't even know it.Your boss is probably over 50 and they're thinking about retirement but haven't f...

MM 284 - Need More Money Before The End Of The Year?

20 Oct 2025

Contributed by Lukas

This Money Mail is inspired by my client, who is a business that turns over hundreds of thousands of $$$ and feeds mouths + provides opportunities. Wh...

Speaking To NZ University Students About Money

17 Oct 2025

Contributed by Lukas

I headed to Auckland University to talk with first year students about the money lessons you’ll never learn in a classroom.We covered:Why NZ schools...

Prepare For NZ's Trillion Dollar Wealth Transfer (Wills, Trusts & Estate Planning) w Andrew Clements

15 Oct 2025

Contributed by Lukas

Over the next 25 years, New Zealand will undergo the largest intergenerational wealth transfer in its history between $1 trillion and $1.6 trillion in...

MM 283 - $100 For You & $100 For 'Them'

13 Oct 2025

Contributed by Lukas

The challenge is simple. Make $100 for yourself. Give $100 to a random. This is a challenge to look around and notice the people who could use a ...

MM 282 - My KiwiSaver Goes From $100k To $150k In 18 Months

06 Oct 2025

Contributed by Lukas

Recently, my KiwiSaver balance ticked over $150,000. Out of curiosity, I looked back through my monthly tracking sheet and saw that only 18 months ago...

Economy Shrinking. Sole Traders Expanding w Hnry CEO James Fuller

05 Oct 2025

Contributed by Lukas

We sit down with James Fuller, Co-founder and CEO of Hnry, to unpack how recent Budget 2025 changes to KiwiSaver are threatening the retirement securi...

Turning Trauma Into Performance w Sarah Robb

01 Oct 2025

Contributed by Lukas

Why do high-achieving people still struggle with self-doubt, anxiety, and burnout, even when everything looks perfect on paper?I sit down with New Zea...

MM 281 - How A Chat With The 'Pay Guy' Changed Everything

29 Sep 2025

Contributed by Lukas

This one’s from a listener who shows exactly what happens when you take action, even if it starts small. ‘’Now I’ve got no credit card, no car...

NZ’s GDP Shock, Tech Bubble Talk & the Future of KiwiSaver - Greg Smith (Generate)

28 Sep 2025

Contributed by Lukas

Today we sit down with Greg Smith, newly appointed Investment Specialist at Generate and one of New Zealand’s most recognisable market commentators....

If You’re Not Your Job, Then Who Are You? w Mikey Smith

24 Sep 2025

Contributed by Lukas

Ever stopped to ask yourself: Who am I if I’m not working? Well today we are. In this episode, we dive deep into the topic of identity, exploring ho...

MM 280 - The Remortgage 'Scam'?

21 Sep 2025

Contributed by Lukas

The kitchen might still be tiny. The roof still leaks in winter. The location hasn’t changed. The utility and intended use (shelter and sleep) of ma...

The Forces Behind NZ House Prices The Economists Miss

17 Sep 2025

Contributed by Lukas

Today we sit down with Nathan Najib, Managing Director of Najib Real Estate in Christchurch, to explore a refreshing perspective on the New Zealand pr...

MM 279 - If You Can Buy Now, Pay Later, Can You Save Now?

15 Sep 2025

Contributed by Lukas

Let’s talk about one belief I keep seeing lately: The 'Have you seen the cost of living? The average Kiwi can't afford to save right now'. I get it....

Why Is There So Much Financial Uncertainty In New Zealand? Financial Planner Explains

14 Sep 2025

Contributed by Lukas

I sit down with Amy Po-Ching of https://www.levridge.co.nz to find out what she is seeing out there and it is one word: uncertainty. Kiwi are stuck wi...

From Broke Accountant to NZ Millionaire: My Journey | Fresh Moni Podcast

11 Sep 2025

Contributed by Lukas

I recently sat down with Willie Leota on the Fresh Moni podcast for a deep dive into New Zealand's economy, the recent budget, and what Kiwis can actu...

Speed Wins, Not Kills. Why Are Kiwi So Slow? w Mikey

10 Sep 2025

Contributed by Lukas

New Zealanders pride themselves on the laid-back lifestyle but in life, being too cruisey can cost you. In a world that’s moving faster than ever, s...

MM 278 - ‘My Kids Will Have Millions…I Think’

08 Sep 2025

Contributed by Lukas

I overheard an older gentleman talking about how great KiwiSaver is for younger people. He said: “My kids are going to have millions in there b...

The Retirement Reality Check Every Kiwi Needs to Hear

04 Sep 2025

Contributed by Lukas

I Team up with Jake from Generate and John from Kauri Wealth for this essential retirement reality check that every Kiwi needs to watch.We break down ...

Living Off Equity | Building Tech & Wealth in NZ w Mahesh Muralidhar

03 Sep 2025

Contributed by Lukas

Meet Mahesh Muralidhar, the tech executive, investor, and the man on a mission to birth 10 billion-dollar Kiwi startups by 2026.Mahesh shares the less...

MM 277 - 44% Of Kiwi Do Not Have An Emergency Fund

01 Sep 2025

Contributed by Lukas

Having an emergency fund has changed my life. Why? Well it changed who I was. So let’s start putting SOMETHING aside. Just like this person did: The...

Proximity. Get Around THESE People w Mikey Smith (http://GuardianSmith.co.nz)

27 Aug 2025

Contributed by Lukas

The Power of Proximity: Get Closer to What You Want! Today we define and explore the concept of proximity why getting closer to action, opportunity, a...

MM 276 - No one’s immune to money problems (even wealthy Wendy)

25 Aug 2025

Contributed by Lukas

We each don’t know what each other are REALLY going through. We may all have different incomes. Different realities. But the key to rememb...

The Ultimate NZ Emergency Fund Guide

20 Aug 2025

Contributed by Lukas

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 no...

MM 275 - 'Not Everyone can be a Business Owner’ – No Sh*t

18 Aug 2025

Contributed by Lukas

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 employ...

Coach of Champions: Eugene Bareman on ‘Voluntary Adversity’

18 Aug 2025

Contributed by Lukas

What makes a great fighter and an even better coach? City Kickboxing head coach Eugene Bareman opens up about his journey into fighting, the crit...

Hosting At Your House. Quitting Corporate To Be Creative w Rose Dining Table

13 Aug 2025

Contributed by Lukas

Today, we sit down with Rose Kennedy, the visionary behind Rose’s Dining Table (https://www.rosesdiningtable.co.nz/), a unique experience that turns...

He Makes Money Teaching People How To Make Money Cleaning Cars w Aaron Wilton-Jones

12 Aug 2025

Contributed by Lukas

Prepare to be inspired by Aaron Wilton-Jones, entrepreneur, TikTok sensation, and co-founder of Autoclean Premium Detailing. The once skydiving instru...

MM 274 - They ‘Say’ They Want Better. But Do They?

07 Aug 2025

Contributed by Lukas

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? ...

Unemployment Hits 5.2% 400,000 Kiwi Want More Work

07 Aug 2025

Contributed by Lukas

Unemployment Hits 5.2% 400,000 Kiwi Want More WorkWe’ve got to the stage of the cycle where more people than ever want more employment. But many are...

How Dosh is Taking On the Big Banks in NZ & Why 40,000+ Kiwis Are Switching

06 Aug 2025

Contributed by Lukas

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 c...

MM 273 - What The Hell Is Debt Recycling?

31 Jul 2025

Contributed by Lukas

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 do...

Getting The Girls Off: Selling Sex Toys To The World (& Pensioners...) w Viv From Girls Get Off

30 Jul 2025

Contributed by Lukas

I sit down with Viv from Girls Get Off, a trailblazing brand challenging societal norms and empowering women to embrace their pleasure and confidence....

MM 272 - Has The Property Bubble FINALLY Popped?

25 Jul 2025

Contributed by Lukas

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 spar...

Buyers Bought Wrong & Now Pay The Price | Predictions | Negotiation w Tama Singh

23 Jul 2025

Contributed by Lukas

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 fru...

MM 271 - Who’s Responsible For Your Retirement?

20 Jul 2025

Contributed by Lukas

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 st...

Beneficiary Raises Millionaire: My Mum & Money

16 Jul 2025

Contributed by Lukas

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 th...

*EXPLICIT* Stop F@*king Conforming. Win The Mind: Win Your Life (Mental Performance Coaching) w David Niethe

11 Jul 2025

Contributed by Lukas

Note: this is the same podcast we recently released, but without the swearing bleeped out due to popular requestStrap yourself in because today we sit...

Money Mail 270 - 'My house is my retirement plan' Really???

10 Jul 2025

Contributed by Lukas

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...

Crypto in 2025: Bitcoin to $1mil? Major Themes w Paul Quickenden (Easy Crypto)

09 Jul 2025

Contributed by Lukas

Paul Quickenden, Chief Commercial Officer at Easy Crypto is back on the podcast and we explore the dynamic world of cryptocurrency in 2025. Easy Crypt...

Stop F@*king Conforming. Win The Mind: Win Your Life (Mental Performance Coaching) w David Niethe

08 Jul 2025

Contributed by Lukas

Strap yourself in because today we sit down with mental performance coach David Niethe, author of the book The Winning Mindset. Weightlifters, Lydia K...

Why Do Kiwi HATE Talking About Making More $$?

06 Jul 2025

Contributed by Lukas

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...

Money Mail 269 - Hard Work Isn't Enough Anymore? Sorry To Say This!

04 Jul 2025

Contributed by Lukas

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 m...

Owns $20m In Property, But She Rents. Find Out Why with Ilse Wolfe

02 Jul 2025

Contributed by Lukas

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, I...

ATF - Sorry, But The Answer Is Make More Money w Mikey Smith

02 Jul 2025

Contributed by Lukas

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...

Money Mail 268 - Keeping Up With ‘The New Jones’s’

27 Jun 2025

Contributed by Lukas

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 doi...

9 Years A Teacher to Real Estate. 4x The Income In 3 Years. A leap of Faith w Fraser Kilgour

25 Jun 2025

Contributed by Lukas

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....

Money Mail 267 - I Found The 'Green Shoots' (Practical Tips)

20 Jun 2025

Contributed by Lukas

WTF are 'green shoots' that we keep hearing about? It seems like the latest catchy economic term. Green shoots are defined as ‘signs of recover...

NZ Property: Where To From Here in 2025? Average House Prices Too Expensive - Politician

18 Jun 2025

Contributed by Lukas

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 ju...

Money Mail 266 - If AI Took My Job...My Plan

16 Jun 2025

Contributed by Lukas

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 ...

She Paid Kylie Jenner $300k & Made $3.5mil In Her 20’s | What Happened Next? W Iyia Liu

11 Jun 2025

Contributed by Lukas

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 turnin...

Money Mail 265 - Who REALLY Isn’t 'Paying Their Fair Share' Of Tax?

09 Jun 2025

Contributed by Lukas

The ‘paying their fair share’ slogan is a goodie as no one can define ‘fair share’. Anyway, interestingly, I overheard a story where a pension...

ATF - Why The Hunting Season Is A Must w Mikey Smith (Guardian Smith)

08 Jun 2025

Contributed by Lukas

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 tu...

NZ Economy: When Will It Get Better? w Mikey Smith (http://GuardianSmith.co.nz)

04 Jun 2025

Contributed by Lukas

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...

NZ Has Changed FOREVER & Some Can't See It

02 Jun 2025

Contributed by Lukas

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.N...

Money Mail 264 - Budget 2025 - Men Lie, Women Lie, Numbers Don’t

29 May 2025

Contributed by Lukas

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 ...

Running the Distance: Business, Sport & Motherhood w Janelle Cavanagh from Withers & Co.

28 May 2025

Contributed by Lukas

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 ...

Money Mail 263 - 5 Years Of Money Mail. 260+ Fridays. What Now?

26 May 2025

Contributed by Lukas

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 ten...

He Made Millions Helping Tradies Grow Their Businesses: Marti Amos

21 May 2025

Contributed by Lukas

He’s Helped 2,500 builders Achieve Financial Freedom & Control with Marti AmosEver wondered why some builders thrive while others constantly str...

Money Mail 262 - I Needed A Battery. I Found A DIY Wonderland

19 May 2025

Contributed by Lukas

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 t...