Keep The Change
Episodes
5 Non Financial Habits That I Used To Go From Debt To Millionaire
17 Mar 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...
MM 305 - Always Reason To Feel Nervous About Investing
12 Mar 2026
Contributed by Lukas
Well here we are again. More volatility + vulnerability and a sense of not knowing how long this could go on. I am not going to explore that too deepl...
New Zealanders Are Wasting Their Time & Money
11 Mar 2026
Contributed by Lukas
Most people misallocate their time worrying about share platform fees when they should be asking their boss for a raise. They're trying to optimise $3...
Is $35 An Hour In NZ Good Money? How Much Can You Save? Or Hello Aussie?
11 Mar 2026
Contributed by Lukas
Let’s run the numbers on someone earning $35 an hour trying to “get ahead” in NZ.Full-time is roughly $72,800. After tax, ACC, KiwiSaver (3%), y...
MM 304 - ‘How I Made $20k In One Night'
09 Mar 2026
Contributed by Lukas
In accounting, one of the most important reports is a ‘profit and loss’. This report shows you the total sales, less the expenses, which equates t...
The CEO Of New Zealand's Largest Gym Franchise (60,000+ customers) Cameron Ward
04 Mar 2026
Contributed by Lukas
Cameron Ward runs 62 Anytime Fitness gyms across New Zealand and has seen what separates successful franchises from failures. The stats are brutal: 1 ...
6 Expensive Headwinds Of New Zealand 🇳🇿 (Young People MUST Know!)
04 Mar 2026
Contributed by Lukas
6 expensive headwinds of New Zealand 🇳🇿 1. New Zealand has an ageing population.Cost = super + healthcare.2. Health issues rising. I.e. Obesity ...
MM 303 - "Writing Off A Business Expense’"
02 Mar 2026
Contributed by Lukas
“It’s a write-off that’s why businesses do it”. You’ve seen it online where non-business owners and non-accountants suddenly educate you wit...
'There Is So Much Opportunity In NZ' with Conner Harding
25 Feb 2026
Contributed by Lukas
Conner grew up on a council estate where people end up stuck in the same system. He came to New Zealand with $2,000 in his pocket and is now running a...
MM 302 - Am I Being Penalised For Working Harder?
23 Feb 2026
Contributed by Lukas
They want to earn more. They want to start something small. They want to build skills and income outside their job. But then they look at tax and it k...
NZ Pension Spending, Sticky Inflation & Rate Hikes: What Will 2026 Look Like For NZ? w Brad Olsen
18 Feb 2026
Contributed by Lukas
New Zealand's economy is patchy, spending fell 0.5% in December, Boxing Day sales down 12%, and job ads are still 30% below pre-pandemic levels. Meanw...
MM 301 - The Whole Financial System Could Collapse This Year
16 Feb 2026
Contributed by Lukas
That’s according to the comment section of just about every social platform I use. The sad thing? Many of these people leaving comments so desperate...
Buying Your First Home in NZ in 2026? Watch This First
11 Feb 2026
Contributed by Lukas
Most first home buyers are back with low deposits and record-high debt, often borrowing with less than 20% deposit.Luke and Mikey break down the reali...
Money Mail 300
08 Feb 2026
Contributed by Lukas
Today marks 300 episodes of KTC Money Mail. 300 editions ago I was sitting in my one-bedroom apartment during lockdown, getting started. Hitting send ...
What Every Kiwi Needs To Know About Financial Planning: Amy Po Ching
04 Feb 2026
Contributed by Lukas
Amy breaks down why most people feel confused about money... They know what to do but don't do it, they can't articulate what they actually want, and ...
MM 299 - HOW They Cleared $100k Of Destructive Debt (Pt 2.)
02 Feb 2026
Contributed by Lukas
These words stood out to me and should for you too. “It’s been a slog, and I've made many mistakes, but I have grown so much I feel like I'm a com...
How To Obliterate 2026 with Mikey Smith
28 Jan 2026
Contributed by Lukas
2026 is going to be wild. AI will start eating jobs, currencies might collapse, and New Zealand has an election that could get divisive. The question ...
MM 298 - Clearing $100k Of Destructive Debt (Pt 1.)
26 Jan 2026
Contributed by Lukas
As we close in on Week 300, I want to share with you an email I received recently and some of the key principles. ‘’For a long time, I let my lack...
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...