Keep The Change

Higher Incomes Don’t Mean Freedom. Financial Truths w Shula Newland

14 May 2025

Contributed by Lukas

Shula Newland is the founder of FULL Balance Financial Coaching and we sit down to unpack what true financial empowerment looks like. Shula’s j...

Money Mail 261 - What 20 Years Of Investing Taught Me

12 May 2025

Contributed by Lukas

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 ...

From Soap Buckets to Signing Leases at 17 - Max Tebbs, Clean Car Collective

07 May 2025

Contributed by Lukas

At just 13, Max Tebbs started cleaning cars to fundraise for refugees. Today, the 18year old runs Clean Car Collective, Wellington’s leading car det...

Money Mail 260 - Is Debt Stress Secretly Ruining Your Life? Warning: Confronting!

05 May 2025

Contributed by Lukas

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, ...

The Marketer Behind My Madness w Roimata from BurstDigital.co.nz

30 Apr 2025

Contributed by Lukas

Tired of seeing Keep The Change and nextAdvisory everywhere? Blame Roimata. She’s the person behind the execution of a lot of the marketing ideas I ...

Money Mail 259 - Renting Out A Room? AirBNB Income? Paid Tax?

28 Apr 2025

Contributed by Lukas

The IRD could very easily write to AirBNB (or similar) and ask for a list of users. Same thing for people who have lodged a bond or listed a room for ...

‘’Moneys Broken’’, Bitcoin Fixes It? Leaving NZ For Japan w Cody Ellingham

23 Apr 2025

Contributed by Lukas

From the neon nights of Tokyo to the freedom tech of tomorrow, Cody Ellingham is on a mission to reimagine how we see the world and how we value it. A...

Money Mail 258 - How To Stay In ’Push Mode’ Like A F1 Driver

17 Apr 2025

Contributed by Lukas

Apparently, in Formula 1, 'Push mode' refers to a temporary engine or battery setting that allows a driver to maximise performance for a short period,...

Building Wealth, Burn Out & Busy Twins w Amy Po-Ching of Property IQ

16 Apr 2025

Contributed by Lukas

From dropping out of school at 16, buying her first property at 18 to building a business for sale, Amy Po-Ching knows what it takes to succeed in pro...

Money Mail 257 - Liquidation: How Some Businesses Delete IRD Debt Without Paying

14 Apr 2025

Contributed by Lukas

I read an article recently about a company who owed over half a million dollars to the IRD and was now unable to pay. I checked the companies office, ...

From A Rental To The Richlist. Why Aussies Are Coming For NZ Commercial Property w Scott O’Neill (https://www.rethinkinvesting.co.nz)

09 Apr 2025

Contributed by Lukas

Ever wondered how to tap into the lucrative world of commercial real estate but weren't sure how or where to start? In this episode, we chat with the ...

Money Mail 256 - 1 In 2 Business Owners In NZ Are Over 50

07 Apr 2025

Contributed by Lukas

1 in 2 business owners in New Zealand are over 50. This is according to CPA Australia's Asia-Pacific Small Business Survey. Compared to NZ, the Asia-P...

Fur Real: Pet Emergency & Pet Insurance DM Drama!

06 Apr 2025

Contributed by Lukas

After sparking massive engagement on social media this week about pet emergency funds and pet insurance, this podcast wraps up the convo and gets us t...

MY2CENTS - Money Advice For NZ Uni Students (Practical)

05 Apr 2025

Contributed by Lukas

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 cont...

MY2CENTS - 🇳🇿 Is It Supposed To Feel This Hard Financially?

05 Apr 2025

Contributed by Lukas

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 cont...

Reset for the New Financial Year w Mikey Smith (GuardianSmith.co.nz)

02 Apr 2025

Contributed by Lukas

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) i...

Money Mail 255 - Thousands ''Sick & Tired Of Survival Mode''

31 Mar 2025

Contributed by Lukas

I recently came across a video where someone shared their frustration and exhaustion over the rising cost of living. The video highlighted that those ...

MY2CENTS - 2025 Will Be Just As Tough As 2024 🫣

29 Mar 2025

Contributed by Lukas

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 cont...

Why Does Having Money Scare You? The Fear of Money w Mikey Smith (GuardianSmith.co.nz)

26 Mar 2025

Contributed by Lukas

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 ...

Money Mail 254 - 30% Get This Wrong About Dividends, Will You?

24 Mar 2025

Contributed by Lukas

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 ...

I Went Back To My Old High School

23 Mar 2025

Contributed by Lukas

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...

MY2CENTS - How To Get Your Partner On Side With $$ In New Zealand

22 Mar 2025

Contributed by Lukas

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 cont...

Why Personal Brands Win (And Everyone Else Gets Left Behind) w Stanley Henry (AttentionSeeker.co.nz)

19 Mar 2025

Contributed by Lukas

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 ...

Money Mail 253 - My Net Worth Took A Hiding, Did Yours?

16 Mar 2025

Contributed by Lukas

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 j...

MY2CENTS - How I Structure My Money In New Zealand

15 Mar 2025

Contributed by Lukas

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 cont...

A Canadian Helping Kiwi Take Control Of Their $ w Scott Innes (KTC Listener) [Changers]

12 Mar 2025

Contributed by Lukas

Scott Innes from MoneyMaverick.nz went from government employee to self-employed financial advisor; all while navigating the challenges of raising a y...

Money Mail 252 - It Took Me 30 Mins To Get $2k USD

10 Mar 2025

Contributed by Lukas

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...

MY2CENTS - How I Got Rich In New Zealand (Not Property 🤫)

08 Mar 2025

Contributed by Lukas

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 cont...

What Is Mikey Seeing In NZ Property In 2025? (in the new studio)

06 Mar 2025

Contributed by Lukas

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 w...

Living a Life of Abundance: Fulfilment and Opportunity w Mikey Smith (GuardianSmith.co.nz)

05 Mar 2025

Contributed by Lukas

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...

MY2CENTS - First $100k

01 Mar 2025

Contributed by Lukas

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 cont...

Money Mail 251 - The Biggest Wealth Shift In History. Are You Ready?

27 Feb 2025

Contributed by Lukas

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...

Living a Life of Lack: The Symptoms of Scarcity w Mikey Smith (GuardianSmith.co.nz)

26 Feb 2025

Contributed by Lukas

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...

MY2CENTS - Falling Interest Rates

22 Feb 2025

Contributed by Lukas

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 cont...

Money Mail 250 - Falling Interest Rates = Pay Rises For Most NZ Households

20 Feb 2025

Contributed by Lukas

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...

The Rise & Fall,(Part 1) & Now Redemption (Part 2) of Simon Phillips

19 Feb 2025

Contributed by Lukas

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 Fi...

Money Mail 249 - When Is 'Enough', Enough?

17 Feb 2025

Contributed by Lukas

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, t...

MY2CENTS - Credit card debt to millionaire?

15 Feb 2025

Contributed by Lukas

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 cont...

How to Escape 'Status Mode' w Mikey Smith (GuardianSmith.co.nz)

12 Feb 2025

Contributed by Lukas

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 ...

Money Mail 248 - 'Put It On The Mortgage'...Dead In 2024

10 Feb 2025

Contributed by Lukas

'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...

MY2CENTS - Best Inflation Hedge

08 Feb 2025

Contributed by Lukas

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 cont...

A 20% House Deposit & Student Loan Cleared At 26 Tom Flanagan (KTC Listener) [Changers]

05 Feb 2025

Contributed by Lukas

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 e...

Ep 247 - What If Stock Markets Tank In 2025?

03 Feb 2025

Contributed by Lukas

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...

MY2CENTS - $2k Per Month Passively

01 Feb 2025

Contributed by Lukas

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 cont...

How to Escape 'Survival Mode' w Mikey Smith (GuardianSmith.co.nz)

29 Jan 2025

Contributed by Lukas

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...

Money Mail 246 - How To Easily Make An Extra $10,000 In 2025

27 Jan 2025

Contributed by Lukas

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 ec...

MY2CENTS - #1 Way To Pay Off A Kiwi Mortgage Faster

25 Jan 2025

Contributed by Lukas

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 cont...

Dropout to Debt Free: How This 27yo Bought Property With Cash w Philip Paul (KTC Listener) [Changers]

22 Jan 2025

Contributed by Lukas

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...

Money Mail 245 - The 2025 Economy; What Happens Next?

20 Jan 2025

Contributed by Lukas

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 hopi...

MY2CENTS - ‘I Don’t Care About Money’ | Yeah Right!

18 Jan 2025

Contributed by Lukas

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 cont...

Kickstart Your Wealth In 2025: Investing Hacks w Linus Field

15 Jan 2025

Contributed by Lukas

Ready to start 2025 right and take control of your financial future? From compounding growth to investment hacks and beyond, this podcast will help yo...

Money Mail 244 - 2025: It’s Never Been Easier To Succeed

13 Jan 2025

Contributed by Lukas

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 ...

ICYWL - Money Mail 147 - Why I Bought A PIE Fund

12 Jan 2025

Contributed by Lukas

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 ch...

MY2CENTS - Will A Capital Gains Tax Solve New Zealand’s Problems? (What About Your Problems?)

11 Jan 2025

Contributed by Lukas

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 cont...

MY2CENTS - Why Is Paying Debt More Exciting Than Investing?

09 Jan 2025

Contributed by Lukas

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 cont...

From Reckless To Responsible With Money & Mindset w Bryce Helms (KTC Listener) [Changers]

08 Jan 2025

Contributed by Lukas

In this episode, I sit down with Bryce who shares his transformation: both financially and professionally, thanks to the lessons he learned from Keep ...

Money Mail 243 - 2025 The Year To Focus On What You Do Have

06 Jan 2025

Contributed by Lukas

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...

How To Annihilate 2025 w Mikey Smith (GuardianSmith.co.nz)

05 Jan 2025

Contributed by Lukas

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...

ICYWL - HOW To Think w Mikey Smith (GuardianSmith.co.nz)

05 Jan 2025

Contributed by Lukas

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 ho...

MY2CENTS - Why I Don't Have A Credit Card In New Zealand

04 Jan 2025

Contributed by Lukas

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 cont...

MY2CENTS - What Version Of Money Are You Running?

02 Jan 2025

Contributed by Lukas

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 subscri...

KiwiSaver Hardship Rising & Car Loan Carnage w David Verry (Financial Mentor)

01 Jan 2025

Contributed by Lukas

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 t...

ICYWL - The True Cost Of Your $700k Home w Mikey Smith

29 Dec 2024

Contributed by Lukas

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 year...

MY2CENTS - This Traps Kiwi's From Making More $

28 Dec 2024

Contributed by Lukas

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 subscri...

Money Mail 242 - 2024, You Son Of A B!tch

28 Dec 2024

Contributed by Lukas

September GDP data just came in at -1.0. I had to refresh my screen to see if that was accurate. -1.1% in the June quarter. Brutal! We are living thro...

MY2CENTS - Steal This Government Trick To Take Control Of Your Finances In NZ

26 Dec 2024

Contributed by Lukas

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 cont...

How We DESTROYED 2024 w Mikey Smith (CEO GuardianSmith.co.nz)

26 Dec 2024

Contributed by Lukas

Following on from the podcast ‘How To Destroy 2024’ to get you started this year, we dive into how our 2024’s actually played out. We go back th...

‘Property Doubles Every 10 Years’ LOL! Is That All? w Mikey Smith (GuardianSmith.co.nz)

25 Dec 2024

Contributed by Lukas

Everyone’s favourite property saying - that it doubles every 10 years and property is ‘safe as houses’. But how true is this for the coming deca...

Money Mail 241 - Look How Far You've Come In 2024

24 Dec 2024

Contributed by Lukas

Last week, someone sent me an inspiring image titled: "The Steps I Have Taken to Improve My Financial Literacy and Position in 2024". They had listed ...

WARNING: KTC Tik Tok Scammers

23 Dec 2024

Contributed by Lukas

Unfortunately, someone has been scammed under the false impression that they were dealing with Keep The Change. I want to make you aware that this is ...

ICYWL - The 15yo $50k Entrepreneur

22 Dec 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.If you still think that making money is hard and you cant do it...

MY2CENTS - Secondary Tax Is A Myth (New Zealand Tax)

21 Dec 2024

Contributed by Lukas

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 cont...

MY2CENTS - REVEALED! What I Invest In 🇳🇿

19 Dec 2024

Contributed by Lukas

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 cont...

What NZ Financial Mentors Expect To See In 2025 w David Verry (Financial Mentor)

18 Dec 2024

Contributed by Lukas

In this episode, we dive into the evolving landscape of financial mentoring in New Zealand. We explore the growing focus on upskilling and qualifying ...

Money Mail 240 - Tick Off These 12 Days Of Christmas

16 Dec 2024

Contributed by Lukas

Brands are about to bombard us with 12 days of Christmas chat. Some have probably already started, but apparently the 12 days are actually from the 25...

ICYWL - Money Mail 152 - Don't Let This Economy Fail

15 Dec 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Last week we discussed the fact that the economy is highly like...

MY2CENTS - Put $5k NZD Into Your Pocket With These Tactics

14 Dec 2024

Contributed by Lukas

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 cont...

MY2CENTS - People Ask Me What To Do With Their Money In New Zealand

12 Dec 2024

Contributed by Lukas

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 cont...

Place Your Bets & Put Your $ Where Your Mouth Is w Mikey Smith (GuardianSmith.co.nz)

12 Dec 2024

Contributed by Lukas

The World Economic Forum, the country is cooked, the dollar is going to zero, capitalism doesn’t work, we need a capital gains tax….we’ve all he...

Money Mail 239 - Are You (or your parents) Ready For Retirement?

11 Dec 2024

Contributed by Lukas

I started reading an eye-opening book about retirement. The book: Cracking Open The Nest Egg by Martin Hawes. I highly suggest this for your parents o...

ICYWL - The Value Equation w Mikey Smith

08 Dec 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey explains to us how you can add more value to your life, y...

MY2CENTS - Financial Averages In New Zealand

07 Dec 2024

Contributed by Lukas

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 cont...

MY2CENTS - Bitcoin. Stocks. FOMO in New Zealand Property

05 Dec 2024

Contributed by Lukas

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 cont...

OCR + Tump + Bitcoin + New Taxes

05 Dec 2024

Contributed by Lukas

In this podcast we sit down with no direction and go through a number of different things that are happening in New Zealand and in the world and see w...

Changers: Investing For The Kids + The ‘Fridge’ Technique w Angela Anderson (KTC Listener)

04 Dec 2024

Contributed by Lukas

Today we sit down with a Keep The Change listener and look at the journey they’ve gone on since finding the Keep The Change podcast. Angela has a fu...

Money Mail 238 - Courageous Christmas Challenge

02 Dec 2024

Contributed by Lukas

I have a challenge for you! If you’ve been around here for a while, you may remember we did this back in 2020. There were 500 readers back then and ...

The Wealth Divide Will Explode (Again)

01 Dec 2024

Contributed by Lukas

We saw a long time of interest rates falling and asset prices increasing. Then we had dramatically lower interest rates through the 'demic and then in...

ICYWL - Money Mail 156 - A rich lister changed my life, & yours

01 Dec 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.I wouldn’t be where I am today if it weren’t for some of th...

MY2CENTS - I Became An NZ Millionaire In 2023, Here's The Truth

30 Nov 2024

Contributed by Lukas

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 cont...

MY2CENTS - Stacking $100k Twice

28 Nov 2024

Contributed by Lukas

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 cont...

Now You’ve Quit Your 9 to 5 w Mikey Smith (GuardianSmith.co.nz)

27 Nov 2024

Contributed by Lukas

You’ve listened to when to quit your 9 to 5 and then how and now you are going to do it! Game on! We go over a listeners question(s) around what you...

Money Mail 237 - Black Friday Is Here…Or Is It?

25 Nov 2024

Contributed by Lukas

I read that according to a survey by PriceMe, 51% of Kiwis plan to shop on Black Friday this year, a sharp rise from 35% in 2023. What’s more concer...

ICYWL - Retrain Your Brain w Mikey Smith

24 Nov 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey teaches us why it is so important to retrain some of the ...

MY2CENTS - These Headphones Help Me Save Tax

23 Nov 2024

Contributed by Lukas

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 cont...

MY2CENTS - How To Build An Emergency Fund In New Zealand

21 Nov 2024

Contributed by Lukas

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 cont...

The Man Calling Out The Council's w David Baker RapidQS

20 Nov 2024

Contributed by Lukas

The man calling out the councils pops into the studio to fill us in on the backlash from questioning the price of some of these projects around the co...

Money Mail 236 - You’re Waiting For ‘The Best’ Time To Invest (Pt 4).

18 Nov 2024

Contributed by Lukas

Ever met someone who seems to know everything about a subject but takes no action? Ahh analysis paralysis. It can hurt us all! We gather all of the da...

ICYWL - Your Opportunity Of A Lifetime In This Recession w Mikey Smith

17 Nov 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.They say that there's always an opportunity in a recession, so ...

MY2CENTS - NZ’s Coming Age Crisis Will Cost You???

16 Nov 2024

Contributed by Lukas

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 cont...

MY2CENTS - Should NZ Host The America's Cup

14 Nov 2024

Contributed by Lukas

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 con...