Keep The Change

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...

3 Valuable Skills That Changed Our Lives w Mikey Smith (GuardianSmith.co.nz)

13 Nov 2024

Contributed by Lukas

The challenge was to come up with 3 skills that have seriously changed our life once we started implementing them. These will get you thinking and hop...

Money Mail 235 - You Don’t Know How To Invest (Pt 3.)

11 Nov 2024

Contributed by Lukas

Why you haven’t started investing? You don’t know how...You live in 2024, with 5g internet, thousands of resources, and somehow you believe that y...

ICYWL - Insights From 1 Of NZ's Top Financial Mentors w/ David Verry

10 Nov 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Wrap your ears around this one as we get insights from one of o...

Holy Sh!t My Stocks Are Cranking. So What?

10 Nov 2024

Contributed by Lukas

Well, a lot of markets are roaring after the change in President in America. I decided to go back and see how much some of my investments have increas...

The Future of New Zealand: Are You Prepared? w Professor Paul Spoonley

06 Nov 2024

Contributed by Lukas

Paul is back in the hot seat to get us thinking about what New Zealand will look like in the future. We’ve gone from record immigration to 80,000 NZ...

Money Mail 234 - When You're Scared To Invest (Pt 2.)

04 Nov 2024

Contributed by Lukas

Many of us are still sitting here asking ‘is it a good idea to invest?’. I think this actually means ‘I am scared to invest because I don’t wa...

ICYWL - 30 In 30 | 12. Being Broke & Living Rent Free House Sitting

03 Nov 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.30 lessons in 30 days from my life so far. Join me to find out ...

KiwiSaver Balances: How Do You Compare? w Jake Mickleson

30 Oct 2024

Contributed by Lukas

I sat down with Jake Mickleson who is a KiwiSaver advisor with Generate KiwiSaver Scheme and we ran through some of the balances of different age rang...

Money Mail 233 - Why You Haven’t Started Investing (Pt. 1)

28 Oct 2024

Contributed by Lukas

Recently, I asked people IF THEY WANTED TO INVEST BUT HAVEN’T YET, how come. Sorry I had to yell and use bold so that you read that question properl...

The Engineered Recession: 2 Years In, What's Next? w Mikey Smith (GuardianSmith.co.nz)

23 Oct 2024

Contributed by Lukas

Well, it has nearly been a good two years since the Reserve Bank of New Zealand told us that they were going to be engineering a recession so we thoug...

Money Mail 232 - You’ve Never Been More Likely To Make $100,000

21 Oct 2024

Contributed by Lukas

In the past, earning a six-figure income was a significant milestone, some sort of marker of financial success. But with rising costs and inflation, t...

ICYWL - You Have Been Lied To, Now What? w Mikey Smith

20 Oct 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.We're really sorry to let you know that you have been lied to o...

The Pyramid That Explains Your Situation w Mikey Smith (GuardianSmith.co.nz)

16 Oct 2024

Contributed by Lukas

This pyramid holds the answers to so many of life’s questions. Are you currently at survival status, freedom, or purpose? And more importantly where...

Money Mail 231 - The HOPE Formula

14 Oct 2024

Contributed by Lukas

I was playing with the word hope whilst writing. I had been thinking about how it seems many people have lost a form of hope and that’s a sad place ...

ICYWL - Money Mail 119 - It Only Took 5 Years To Change My Life

13 Oct 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.5 years ago, my business partner and I sat in Fiji tipping over...

The Ultimate USA Recap w Mikey Smith (GuardianSmith.co.nz)

09 Oct 2024

Contributed by Lukas

What a whirlwind trip to the United States of America that was. We’ve had a few weeks to unpack and reflect on the trip to the USA and it’s now ti...

Money Mail 230 - Achieve Your Goals…Faster

07 Oct 2024

Contributed by Lukas

Goals. Love em or hate em it’s nearly goal season - the 1st of January. BUT we still have a whole quarter of 2024 to go. And realistically, sometime...

ICYWL - The EXACT Process To Get A Mortgage w Mikey Smith

06 Oct 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey is one of the best mortgage advisors in the country and h...

Help NZers Kill Crippling Debt w Money Sweetspot’s Sasha Lockley

02 Oct 2024

Contributed by Lukas

Money Sweetspot is here to help reverse that debt spiral and support New Zealanders to regain control of their finances. I sit down with CEO Sasha Loc...

Money Mail 229 - Inside A Profit & Loss

30 Sep 2024

Contributed by Lukas

Not everyone aspires to be in business and that is fine, but I feel like we can all do with understanding a bit more about how the numbers in a busine...

Stuck With Purpose? Try This (I Did)

29 Sep 2024

Contributed by Lukas

There is always a lot of chat in society around all of us finding our purpose but this can be really, really, really hard to do. In this episode, I'm ...

ICYWL - Does Your Mindset Explain Your Financial Situation? w Mikey Smith

29 Sep 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.We dig into an article that asked the question is being wealthy...

Is Insurance In NZ Worth It Anymore? w Johny Winstone (Insurance Market)

25 Sep 2024

Contributed by Lukas

The cost of insurance has been climbing and many people are thinking about self-insuring themselves - i.e. not having insurance but thinking they will...

Money Mail 228 - How To Fix YOUR Housing Affordability Crisis

23 Sep 2024

Contributed by Lukas

Housing affordability is always a hot topic in this country, and for very good reason. The cost of a roof over our head is a massive issue with many f...

ICYWL - Money Mail 149 - Doing it tough out there? Who to call

22 Sep 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.The number of people struggling financially is really starting ...

Can You Become A Millionaire? Data Revealed

22 Sep 2024

Contributed by Lukas

I review some UBS wealth data that analyses the percentage of people in different brackets of wealth all around the world. You might be surprised how ...

Can Bitcoin crack $1,000,000? w Paul Quickenden (Easy Crypto)

18 Sep 2024

Contributed by Lukas

Paul Quickenden is the Chief Commercial Officer from the New Zealand company Easy Crypto and sits down to explain to me what crypto even is, if Bitcoi...

Money Mail 227 - The Good In This 'Bad' Economy

16 Sep 2024

Contributed by Lukas

One of the positives to this tough economy is that people are learning a lot more about money and finance than they normally would. They are having to...

ICYWL - Dropping Out Of School To 10 Properties w Scott Muirson (SM Property.co.nz)

15 Sep 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Scotty from SMProperty.co.nz joins us to tell us about how he h...

Money Mail 226 - I Hate These 4 Words In My Inbox

15 Sep 2024

Contributed by Lukas

‘What are your thoughts’...My response is often not to provide my thoughts but to ask them the same question back. ‘Well, what are your thoughts...

Can NZ Afford The Pension? w Jane Wrightson (The Retirement Commissioner)

11 Sep 2024

Contributed by Lukas

Retirement is a hot topic and today we are diving deep into it! Jane Wrightson is The Retirement Commissioner and part of her role is reviewing and re...

USA Day 8 - Houston We Have A Problem

11 Sep 2024

Contributed by Lukas

Well shit, we thought we were on our way home but no. We have had to cop another day in the massive country that is America due to an air conditioning...

USA Day 7 - Lessons, Lightbulbs & Leaving

09 Sep 2024

Contributed by Lukas

Its the last day of our time in America, and we sit down at the airport to wrap up our final thoughts from what has been an amazing chance to learn an...

USA Day 6 - BTS - Below Deck w/ @yachtiesof_nz

08 Sep 2024

Contributed by Lukas

You wouldn't bloody read about it, we have bumped into Hamish Taylor from @yachtiesof_nz who we have done a podcast with previously. We are in the cam...

ICYWL - Money Mail 89 - [Activity] Analyse your life's costs

08 Sep 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Lately, we’ve been talking about prices going up and most peo...

USA Day 5 - ‘The Rock; (not Bobby’s), Results & Responsibility

08 Sep 2024

Contributed by Lukas

It is the conference's final day and the big climax is here as the big D, Dwayne 'The Rock' Johnson talks to us for nearly 2 hours. In this podcast we...

USA Day 4 - Good Guys, Gummies & God

07 Sep 2024

Contributed by Lukas

On day 4 we rip into another day at the conference and learn about customer service and what will happen with AI in the coming years. We also have som...

USA Day 3 - Pain, Purpose & Pyramids

07 Sep 2024

Contributed by Lukas

We are back after a very long first day at the conference. We are reporting in with our latest lesson from a very eye-opening conference. Enjoy! Hey t...

USA Day 2 - Size, Service & Selling

05 Sep 2024

Contributed by Lukas

Well, after a pretty long first day, we have spent some time getting our bearing and preparing for this rather large conference. In this podcast, we w...

Quitting Corporate For Community w John Bell (Kauri Wealth)

04 Sep 2024

Contributed by Lukas

Today I sit down with a good man who has gone from corporate to financial advice. John has a Master's degree in Finance, so understood the power of co...

USA Day 1 - Hood, Hustle & Hope (Interview)

04 Sep 2024

Contributed by Lukas

Keep The Change is on tour in America and as we are touring through the country we are going to speak to some people and find out how they do things a...

Money Mail 225 - It’s Ok To Want To Make More Money

02 Sep 2024

Contributed by Lukas

It’s OK to want to make more money. There, someone gave you permission. We teach people that ‘money doesn’t buy happiness’. If we taught peopl...

ICYWL - What's Getting In YOUR Way? (Listener submissions) w Mikey Smith

01 Sep 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.On Instagram we asked you what is getting in the way of your fi...

10 Business Ideas Anyone Can Start w Henry & Jack Double Yolk

28 Aug 2024

Contributed by Lukas

Henry and Jack are back in the studio to give you 10 business ideas that you can start and maybe go through to business sale just like they did. ...

Money Mail 224 - Pause, Get Sorted!

26 Aug 2024

Contributed by Lukas

If you’ve got your mind on your money, then you probably know that August is Money Month. But I often hear that many people have no idea. So today, ...

ICYWL - WTF Is Inversion Thinking? w Mikey Smith

25 Aug 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey runs us through tackling problems the reverse way. Learn ...

Can You Please Help Me?

25 Aug 2024

Contributed by Lukas

I don't often ask for much but I would love your help to get this content in front of even more people. So, within this is an ask for you to help me d...

Money Month: Pause, Get Sorted

22 Aug 2024

Contributed by Lukas

Money Month is a public awareness and engagement campaign coordinated by Te Ara Ahunga Ora Retirement Commission, in partnership with the financial ca...

Selling Baby Sleep Secrets To The World w Luke Snedden (LittleOnes.co)

21 Aug 2024

Contributed by Lukas

I want more Kiwi to understand that their knowledge can be exported. You can package your knowledge and sell globally, earning different currency and ...

Money Mail 223 - The First Cut Is The Deepest

19 Aug 2024

Contributed by Lukas

Well, well, well what have we here? The first cut of the Official Cash Rate. On Wednesday, The Reserve Bank cut the official cash rate by 25 basis poi...

How To Buy Your First Share Or Make Your First Investment

19 Aug 2024

Contributed by Lukas

A number of people recently told me that they don't know how to get started with investing and it upsets me to see that in 2024 so many people still b...

ICYWL - Putting a Financial Plan Together With Lighthouse Financial Services

18 Aug 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Luke sits down with James from Lighthouse financial to understa...

Start, Scale & Sell - a Kiwi SME Success Story w Henry & Jack Double Yolk

14 Aug 2024

Contributed by Lukas

0 to 100 real quick, literally. Learn from 2 lads who scaled a business from 0 to 100 staff and then sold it. It can be done. They take us through the...

Money Mail 222 - Is Now A Good Time To Start Investing?

13 Aug 2024

Contributed by Lukas

Ahh, the age ole question! Asking someone who can’t predict the future to predict the future. If you are asking people ‘is now a good time to inve...

ICYWL - HOW to ACTUALLY Change Your Mindset w Mikey Smith

11 Aug 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey Breaks down how you can actually change your mindset as h...

HOW TO: Get Closer To The Money w Mikey Smith

07 Aug 2024

Contributed by Lukas

It’s no wonder the banks make billions of dollars when they are a part of every transaction. That gives us a clue…maybe the secret to making more ...

Money Mail 221 - How To Time Rate Cuts Perfectly (Pt 2.)

05 Aug 2024

Contributed by Lukas

Last week we explored the excitement that interest rates may come back down. Let's explore the things we should be thinking about when it comes to low...

ICYWL - Case Study: 'The debt stress is huge'

04 Aug 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.We talk with a Keep The Change reader about their forms of debt...

HOW TO: Quit Your 9 To 5 w Mikey Smith

31 Jul 2024

Contributed by Lukas

So you want to quit your 9 to 5 huh? Well what are the steps to take to quit your 9 to 5? How do you do this? Well we are going to show you how to go ...

Rate Cuts & Break Fees: What It Means w Mikey Smith (GuardianSmith.co.nz)

30 Jul 2024

Contributed by Lukas

The Reserve Bank of New Zealand look set to cut the Official Cash Rate and this has got people thinking about what it will mean for their mortgage. Mi...

Money Mail 220 - Preparing For Rate Cuts (Pt 1.)

29 Jul 2024

Contributed by Lukas

Well, we’ve finally got some good inflation news. Inflation was 3.3% annually for the June 2024 quarter. This is the lowest it has been since June 2...