Keep The Change

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...

ICYWL - Thrift Wins Save Thousands w The Viral Kiwi Dad Logan Donnelly

28 Jul 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.The man who broke the Internet with his savings methodology pop...

Major Money Milestones To Accomplish In Your 30s! w James Blair (Lighthouse Financial)

24 Jul 2024

Contributed by Lukas

I spent most of my 20’s p!ssing up and not preparing for my future years. It seems younger people are a bit more switched on these days (thank Gard!...

Help: Crowdfunding A Game Changer w Alli from Sharenanigans.co.nz

24 Jul 2024

Contributed by Lukas

Alli Kennedy is on a mission to help everyday Kiwis be educated on investing. She has created a board game for people to play to learn more about inve...

Money Mail 219 - What A 12yo Can Teach You About Goals

22 Jul 2024

Contributed by Lukas

Recently I received an awesome message. A 12yo lad is out in his neighbourhood doing something we often talk about. Making an offer to transact. He of...

ICYWL - "You'll Own Nothing & Be Happy" w Mikey Smith

21 Jul 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Wow! This could get interesting for you. An insight into some o...

WHEN TO: Quit Your 9 To 5 w Mikey Smith

17 Jul 2024

Contributed by Lukas

We all dream about the freedom of working for ourselves. Being your own boss. So when do we pull the trigger and do it? Are you entrepreneurial deep d...

He Built NZ's Biggest Windfarm, What Next? - Simon de Rose (Stringfellows -Civil Engineering)

16 Jul 2024

Contributed by Lukas

My good mate Simon pops to Auckland for the All Blacks so I make him sit down for a podcast warm up to tell us about the state of infrastructure in NZ...

Money Mail 218 - 'The Country Is F&^ked'

15 Jul 2024

Contributed by Lukas

Apparently so. That is according to some people who message me and leave me comments. I know and see how tricky it is out there, so I can see what the...

ICYWL - Money Mail 105 - Investing in yourself during tough times

14 Jul 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.When I put together the 30 in 30 podcast series, one of the mos...

How To Invest Your First $10k w James Blair (Lighthouse Financial)

10 Jul 2024

Contributed by Lukas

Lately I’ve been getting a lot of questions from younger people who are looking to get into investing. This is exciting to see, but no matter their ...

Money Mail 217 - My Net Worth Decreased This Month

08 Jul 2024

Contributed by Lukas

The 30th of June meant that it was time to do my month-end process. Mapping out what money I have coming in during July vs what’s going to be going ...

ICYWL - Sell A Business Tax Free w Mikey Smith

07 Jul 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Do you know that if you sell a business you shouldn't get taxed...

Why Govt & Council Need To Be Careful With Tax w Mikey Smith

03 Jul 2024

Contributed by Lukas

Mikey comes out swinging with a warning to the government and future governments, as well as councils that they need to be careful with all of these t...

Money Mail 216 - The 50 Million Dollar Frenzy

01 Jul 2024

Contributed by Lukas

I haven’t bought a L0tto ticket for some time. But I will admit, I had to be a part of that recent mega jackpot. I was hoping to win to figure out w...

ICYWL - A 'system' change won't change your life? w Mikey Smith

30 Jun 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Why are people so obsessed with thinking they will have a bette...

Listening! Not: Hearing What You Want To Hear w Mikey Smith

26 Jun 2024

Contributed by Lukas

Listening is a skill and it’s becoming harder to do. We look at why that might be and how we can practise listening more than just hearing what we w...

Money Mail 215 - 5 Tips To Become Unemployment Proof

24 Jun 2024

Contributed by Lukas

The unemployment rate is currently 4.3% at the end of March 2024. It is projected to rise to over 5%. This means tens of thousands of Kiwi who could s...

ICWYL - Money Mail 44 - What The Hell Is A Dividend?

23 Jun 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Dividends. Imputation credits. Withholding Tax. You name it, we...

How To Buy A Slice Of Property w Amy Stevens from Slice

19 Jun 2024

Contributed by Lukas

Looking to buy your first home and have absolutely no idea where to start? Got a deposit but it’s not quite enough? Do your parents have equity in t...

Money Mail 214 - 551,000 Of Us Owe The IRD 😳

17 Jun 2024

Contributed by Lukas

Each quarter the IRD release information about how many people owe them money and how much. If you've been listening to KTC for some time you'll know ...

ICYWL - Tax Rules ARE NOT Set Up To Help Employee's w Mikey Smith

16 Jun 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.In this podcast we teach you everything you didn't get taught i...

Money Mail 213 - Tax Is Sexy Again, I Think?

13 Jun 2024

Contributed by Lukas

The much anticipated tax changes have been announced. How exciting, for the first time in my career, everyone is talking tax. We are going to explore ...

HOW To: be proud of yourself w Mikey Smith

12 Jun 2024

Contributed by Lukas

Is it ok to be proud of yourself? Luke thinks so and regularly tells himself that he is (shock). Is it normal? Who knows! Mikey kicks us off with a st...

ICYWL - Play The Long Game (Never Lose!) w Mikey Smith

09 Jun 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.This is Mikey's theory on why playing the long game will ensure...

The Man That Beat The Market For Over A Decade

05 Jun 2024

Contributed by Lukas

I sit down with Generate’s Global Equities Portfolio Manager, Nathan Field. Nathan has over 25-years' experience in the financial industry and durin...

Money Mail 212 - The Unsung Funding Heroes

03 Jun 2024

Contributed by Lukas

Whether people like it or not, we all need each other. Perhaps we need each other more now than ever. For many of us, it is the first time we are goin...

ICYWL - Saving 40% Of Your Income (WTF, How?)

02 Jun 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 ...

I Got Mentally Ready For Today 7 Years Ago, Here’s How

01 Jun 2024

Contributed by Lukas

It’s inevitable that you will go through tough, slow growth times in your life. You will feel like you’re on the right path but the self doubt cre...

Teaching Students Money - w Claire Bailey (Sorted In Schools)

29 May 2024

Contributed by Lukas

Over 80% of school leavers said that they wished they had learned more about money at school. Sorted in Schools are doing something about this by prov...

Money Mail 211 - Solo Mum Uses This To Go Unconditional

27 May 2024

Contributed by Lukas

I have a sneaky suspicion that many of us have lost focus and got ourselves trapped mentally. When we do this, we focus on the wrong things and unfort...

ICYWL - Money Mail 134 - I am stacking these currencies

26 May 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.With all this doom and gloom it’s a good reminder to consider...

Being Early Is Still Wrong? w Mikey Smith

22 May 2024

Contributed by Lukas

If we know what is going to happen and it doesn’t but then eventually it does, are we still right? We explore how many times we’ve thought things ...

Money Mail 210 - Solve 'The How' With This Job Stealing Tech

20 May 2024

Contributed by Lukas

Imagine this; you live in a world where ANY information you need exists. You have an assistant you can quickly message to get the answers. The assista...

ICYWL - Do You Deserve Your Success? Trigger Warning w Mikey Smith

19 May 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.There is a lot of chat these days about taxing the poor and cal...

Your Questions Re Buying A Business w Phil Smith (nextAdvisory.nz)

15 May 2024

Contributed by Lukas

In this episode I am again joined by my business partner Phil Smith from nextAdvisory.nz who has advised countless potential business buyers (and sell...

Money Mail 209 - The Ultimate Inflation Hedge

13 May 2024

Contributed by Lukas

Inflation is still here, and it’s been here for some time. You know that, I know that. Sure, it’s coming down and that’s better than it going up...

ICYWL - Is A Side Hustle Worth The Time? w Mikey Smith

12 May 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.There has been a lot of chat around side hustles recently and i...

The Basics Of Buying A Business w Phil Smith (nextAdvisory.nz)

08 May 2024

Contributed by Lukas

You asked for it so here it is. Ever wondered about buying a business? Here’s some of the basic! A heads up, it’s a foreign language when you get ...

Money Mail 208 - Stacked Another Milli

06 May 2024

Contributed by Lukas

Not dollars this time. But podcast downloads. I am thrilled to share a massive milestone with you. The Keep The Change podcast has officially hit one ...