Keep The Change

ICYWL - "You shouldn't buy a house’’ - Grant Cardone WTF?? w Mikey Smith

05 May 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Grant Cardone owns over $1 billion worth of property but he's t...

Insta Live Q&A

02 May 2024

Contributed by Lukas

A recording of the live Q&A with Instagram followers from 30th April 2024.Hey thanks for listening! Please take some form of action from this cont...

How KiwiSaver Advice Can Pay Off Big Time At Retirement w Generate KiwiSaver Scheme

01 May 2024

Contributed by Lukas

Some big news out of the Keep The Change camp! After 4 years and 500 episodes, we have a major sponsor in Generate KiwiSaver Scheme. I sit down with L...

Why Mikey Is Bullish On Property Again? w Mikey Smith (MASTER)

30 Apr 2024

Contributed by Lukas

Mikey comes rolling into the studio with a prediction that the bottom of the property market is near and that the next 12 months will be a great time ...

Money Mail 207 - The Upsell Economy

29 Apr 2024

Contributed by Lukas

Everywhere you look you are being asked to spend a little extra. Skilled professionals who work in the field of shaking your pocket for that last doll...

ICYWL - Money Mail 35 - Money Has NO Value, NONE At All

28 Apr 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Us humans love to complicate things and make them more complica...

Money Mail 206 - Poor? Try This...

28 Apr 2024

Contributed by Lukas

All this slow to no growth chat can have us looking inward and not thinking abundantly. Today we are going to have a bit of fun. Imagine for a second ...

REEL DEEP: How I Make $2k Per Month Doing Nothing

28 Apr 2024

Contributed by Lukas

Welcome to the first in a series IF you want them! REEL DEEP where I take a recent REEL and go DEEP. This is for those who like long form content over...

Data Is The New Oil w Emily Shaw (Luma Analytics)

24 Apr 2024

Contributed by Lukas

Who quits their job at a bank, goes into business in a new industry with 2 others, hires 22 people, all within 6 years? Emily Shaw and Luma Analytics,...

ICYWL - Mikey Says ''Break These 7 Society Rules''

21 Apr 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey takes us through the 7 society rules that he thinks we sh...

Revealed: Where Will NZ End Up? Sociologist Paul Spoonley

17 Apr 2024

Contributed by Lukas

Professor Paul Spoonley has spent his life studying and researching the path NZ is on. Focussing on demography, migration, birth rates etc. he can she...

Money Mail 205 - Action Creates Action

15 Apr 2024

Contributed by Lukas

Too many people ignore starting with the low-hanging fruit in front of them and instead try and skip to the million dollar outcome. The downside to th...

ICYWL - What To Do When You're Stuck

14 Apr 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Tune in to hear my thoughts about what to do when you're feelin...

Fake Titties, Real Money w Mikey Smith

10 Apr 2024

Contributed by Lukas

Wo wo wo what is this podcast about? Luke starts with a story of a helicopter owner and guesses how he got it. Then, what can we learn from the growth...

Money Mail 204 - My 'taxable' headphones

08 Apr 2024

Contributed by Lukas

We are talking tax! How my headphones became taxable? Why are landlords claiming interest again? There are a lot of high level tax lessons in here so ...

ICYWL - Millionaire at 23. Broke at 25. Story of Simon Phillips

07 Apr 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Simon Phillips from The Magnitude Group stops by to give us ins...

What If Inflation Is Here For A Decade? w Mikey Smith

03 Apr 2024

Contributed by Lukas

We are being told that inflation is coming down and will soon be ‘over’. But what if they have it wrong just like when it was ‘a global problem’...

ICYWL - 3 Stages Of Your Financial Journey w Mikey Smith

31 Mar 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.The three stages that everyone will go through. You can use thi...

Money Mail 203 - A Warning Before Taking On More Debt

28 Mar 2024

Contributed by Lukas

It's getting very tricky to pay back debt at the moment. Higher interest rates, higher cost of living and higher taxes. Say what? Yes, a lot of our li...

340,000 Followers: Instagram Vs Reality w Healthy Kelsi

27 Mar 2024

Contributed by Lukas

In this episode we sit down with @HealthyKelsii (social name) to learn about her healthy but unconventional life. We are always trying to find kiwis t...

Money Mail 202 - The Resilience In (Y)our Economy

25 Mar 2024

Contributed by Lukas

Last week we looked at the brutal reality of the economy slowing down. This week we had GDP data announced at -0.1%. Recession confirmed. But we don’...

SOS! Need Your Help! Know A Senior Accountant?

24 Mar 2024

Contributed by Lukas

At nextAdvisory we are on the hunt for a senior accountant or even a good quality intermediate accountant with review experience and we need your help...

ICYWL - The More Money Webinar

24 Mar 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Let's explore how we can make more money in 2022. How can we ge...

Bitcoin: Boom Or Bust From Here? w Darcy Ungaro (Ungaro & Co)

20 Mar 2024

Contributed by Lukas

Bitcoin. It’s at all time highs and it’s all the rage AGAIN! Mikey and Luke invite Darcy Ungaro from Ungaro & Co which Is a Registered Financi...

Money Mail 201 - We Must Be In A Recession? (Again!)

20 Mar 2024

Contributed by Lukas

On the 21st of March 2024 we get to find out whether we have been in a receesion since the 1st of July 2023. I think we are and I will explain why. I ...

ICYWL - $500 to $100mil | The Story of Izzy Whitley (Aotearoa Labour Hire)

17 Mar 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Luke sits down with Izzy Whitley from Aotearoa Labour Hire to d...

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

13 Mar 2024

Contributed by Lukas

We are asked so many questions about peoples complicated scenarios and it is very clear that the answer is to make more money. So why do we pussy foot...

Money Mail 200 - How I Wrote 200 Money Mail Lessons

11 Mar 2024

Contributed by Lukas

We are at week 200 of Money Mail. Where did those weeks go. We take a look at the on word that has helped me produce 200 of these lessons for everyday...

ICYWL - Mind Blowing Books To Read

10 Mar 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Listen in to find out about important books around financial li...

The Kiwi Silicon Valley Success Story - w Aaron Rama (Keyhook)

07 Mar 2024

Contributed by Lukas

Hear from someone who left NZ at 19 to go and learn to code in San Fransisco. Living just a block from Mark Zuckerberg, Aaron has an awesome story to ...

Franchising: Good Or Bad? w Reon Paterson (SmithAndSons.co.nz)

06 Mar 2024

Contributed by Lukas

Franchising is another vehicle or pathway for all of us to consider because we don’t learn about these things growing up. Have you ever wondere...

From Apprentice To Master Franchisee w Reon Paterson (SmithAndSons.co.nz)

05 Mar 2024

Contributed by Lukas

Following your interests can open many doors. It can build many doors too. In this episode we sit down with Reon Paterson from SmithAndSons.co.nz...

Money Mail 199 - How a 15yo makes $50,000 online

04 Mar 2024

Contributed by Lukas

Recently, I sat down with a 15yo who had sold over $50,000 of goods on the internet. Self-taught, all the whilst managing the usual school life and de...

ICYWL - Working On Super Yachts (Ultimate OE) w Hamish Taylor

03 Mar 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Hamish Taylor from Yachties Of NZ sits down to tell us about a ...

Hardship is rising, FAST! w Mikey Smith

28 Feb 2024

Contributed by Lukas

It’s hard out there and it’s going to get harder. If interest rates stay higher for longer, there will be even more people seeking assistance from...

Money Mail 198 - The b!tch of a first $100k snowball

26 Feb 2024

Contributed by Lukas

$100,000, the magical figure. Where did it come from? Perhaps I had heard the late Charlie Munger (one of the worlds great investors) who once said yo...

ICYWL - Money Mail 9 - Two Jobs, Double Tax? WRONG!

25 Feb 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.In this episode we are busting some tax myths! If you have ever...

What’s all the Debt To Income ratio noise? W Mikey Smith

21 Feb 2024

Contributed by Lukas

There has been a lot of chat recently about Debt To Income ratios changing and people have been freaking out. I sit down with Mikey from Guardian...

Money Mail 197 - Steal This Govt Trick For Yourself

19 Feb 2024

Contributed by Lukas

If you’re an employee, by the time you get paid there is a high chance you will have already spent a chunk of your pay. The govt take from us, then ...

ICYWL - (You Have All You Need To Start) Less Thinking, More Doing w Mikey Smith

18 Feb 2024

Contributed by Lukas

Mikey and Luke try to unpack for you the theory that you just need to start and figure it out as you go. You have what you need to start, you become t...

Sole Trader Thursday by Xero

15 Feb 2024

Contributed by Lukas

Join us for an exciting episode with Olivia McGann (Head of Operations - NZ) from Xero as we discuss one of the softwares that changed my life as an a...

Why Money Should Never Be The Goal w Mikey Smith

14 Feb 2024

Contributed by Lukas

Ever made more than your goal but not felt the satisfaction? Mikey takes us through his 3 subcategories of goals exercise and then works backwards on ...

Money Mail 196 - Min wage up 2%, what about yours

12 Feb 2024

Contributed by Lukas

On 1 April 2024, inimum wage is increasing by 2%. The last minimum wage increase lower than 2% we could spot was in 2013 when it moved to $13.75 from ...

ICYWL - The Importance of Month End

11 Feb 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Reminder: Have you been doing your month-end process? Today's b...

Money Mail 195 - Why can't you see your value

11 Feb 2024

Contributed by Lukas

You’ve heard me tell you this before, but you can’t hear it enough. Money exchanges hands when value exceeds price. Unfortunately, most kiwis don’...

Deadlines Create Decisions w Jade (from BTS of KTC)

07 Feb 2024

Contributed by Lukas

Ever wondered how all the KTC podcasts and content ends up on your screen or in your speakers? Well, introducing Jade! She does it all. She’s recent...

ICYWL - Where do you see yourself in 5 years? w Mikey Smith

04 Feb 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.How to get people thinking about the age old question of where ...

Escape Velocity (You Can't Get Cancelled) w Mikey Smith

31 Jan 2024

Contributed by Lukas

What can we learn from people who others want to cancel but can’t be? What are they doing that might help us think about how we live our lives? What...

Money Mail 194 - Will Interest Rates Change, Or Will You

29 Jan 2024

Contributed by Lukas

This year, I have already heard too many times that 2024 will be better because: We have more certainty with a change in government. There will be a c...

ICYWL - How To Smash 2022 (Any year)

28 Jan 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Hey 👋🏻 these are some practical things you can use to hel...

Shocking Start Up Realities Revealed w James Fuller from Hnry

24 Jan 2024

Contributed by Lukas

James Fuller is back in the studio to tell all of us kiwis what it's really like building one of NZ’s fastest growing start-ups. What does it do to ...

The ‘Sweetspot’ Of Property Investing w Ilse Wolfe

22 Jan 2024

Contributed by Lukas

Ilse Wolfe is back in the hot seat to show us how get the best return for effort when investing in property. Tricks from years in the trade that you c...

Money Mail 193 - How much is 'a lot' of money?

21 Jan 2024

Contributed by Lukas

Do you know how to answer that? I often hear people say ‘that’s a lot of money’ and I wonder where that came from? How do we decide what a lot o...

ICYWL - Money Mail 37 - The Number One Thing To Invest In This Year...And Next

21 Jan 2024

Contributed by Lukas

This is a re-release of an earlier podcast that other listeners have found very useful.Clue - it isn't a stock on the stock market. This investment is...

You Ruined MY Accounting Industry Hnry! w James Fuller

17 Jan 2024

Contributed by Lukas

What happens when the best looking (and most arrogant?) accountant in NZ and the biggest accountant in NZ walk into a studio at the same time? We find...

How To Be Successful w Mikey Smith (Guardian Smith)

15 Jan 2024

Contributed by Lukas

Luke recently read a book discussing how to be successful and the laws around this so takes Mikey through some of the key points. You will be blown aw...

ICYWL - Luke's Themes / Be Mindful's for 2023 w Mikey Smith

14 Jan 2024

Contributed by Lukas

Luke did some thinking on the plane on his way back from his trip and has some things already that he is going to be mindful of the 2023. See what you...

Money Mail 192 - I Became A Millionaire In 2023. Who Cares?

11 Jan 2024

Contributed by Lukas

When I first built the Keep The Change website over 3.5 years ago, I wrote this in the ‘About me’ section: Not a millionaire (yet), but am on the ...

Stacking $100k Rd2 + Burberry Treats w Mikey Smith (Guardian Smith)

10 Jan 2024

Contributed by Lukas

I have taken you through my methodology both through the podcast and Instagram on how I stacked $100,000 and why I did this. I have recently challenge...

Money Mail 191 - It's (y)our year

09 Jan 2024

Contributed by Lukas

Instead of just getting ready for another tricky year, why not decide to make this YOUR year?Start by deciding that it’s your farking year. Decide t...

Is It Worth Leaving Money In The Bank? w Mikey Smith (Guardian Smith)

08 Jan 2024

Contributed by Lukas

A recent question from the community around whether leaving money in the bank was a smart or safe thing to do and whilst there are no certainties in l...

Money Mail 190 - The #1 KTC podcast in 2023

08 Jan 2024

Contributed by Lukas

The podcast had 600,000 downloads in 2024. There are now over 450 episodes to learn from. All Money Mail lessons (Friday emails) are read as podcasts ...

HOW TO Destroy 2024 w Mikey Smith

07 Jan 2024

Contributed by Lukas

Happy New Year! Here we are again, another bright new year to get stuck into. In this episode, Mikey and Luke sit down to get mostly Luke's thoughts o...

Money Mail 189 - Only 0.67% of kiwis earn this

06 Jan 2024

Contributed by Lukas

11% of kiwis earn over $100,000. That’s according to the 2022 IRD taxable income data that I spent time running some calculations on one weekend. Le...

'You Can't Make The Pie Larger' Says Who? w Mikey Smith

03 Jan 2024

Contributed by Lukas

Can the pie get bigger without someone losing? This is the question that Mikey answers in this podcast. We explore the pie fallacy and zero sum versus...

The 15yo $50k Entrepreneur

01 Jan 2024

Contributed by Lukas

If you still think that making money is hard and you cant do it then this could be the podcast for you. 'Caleb' comes in to tell us about how he has s...

ULTIMATE First Home Buyers Deposit Guide w Mikey Smith

27 Dec 2023

Contributed by Lukas

They say that getting into your first home can be one of the hardest projects of your life. In this podcast we break down the exact methodology you ne...

Property Mistakes + Tips + 2024 Predictions w Tama Singh

25 Dec 2023

Contributed by Lukas

Up down, sideways? Who knows? Tama might because he eats, sleeps, dreams and flips property every day. We sit down to talk about what we will see in t...

2023: The Year In Review w Mikey Smith

20 Dec 2023

Contributed by Lukas

Is congratulations you made it to the end of the year. In this podcast we take a look back at what we noticed throughout this year and how it's been f...

2 kids, 32 properties, 17 years w Ilse Wolfe

18 Dec 2023

Contributed by Lukas

We’ve got a weapon in the building. Someone who is juggling a lot including kids, tenants, investments and clients. Ilse Wolfe from Wolfe Property C...

‘WTF Is Personal Branding?’

18 Dec 2023

Contributed by Lukas

Luke was recently on a panel in the accounting world about what personal branding is and what it leads to. Is it even worth it? Luke and another accou...

Money Mail 188 - What version of money are you on?

15 Dec 2023

Contributed by Lukas

Recently somebody asked me whether it’s a good idea to pay off their $2.5k student loan if you have $2.5k saved. Only they know that answer. But it ...

Improve Your Finances, Earn More money, Pay off Debt! w/ The High Frequency Club

13 Dec 2023

Contributed by Lukas

Luke features on The High Frequency Club podcast to discuss paying off your debt, combating the rising costs of living and help alleviate your current...

50 Flips Tama Singh Quits Job & Goes ALL IN - WTF!

11 Dec 2023

Contributed by Lukas

He’s back in the studio but this time he is all in. Last time he let us know that he still had a job and many people were mind blown. How the hell w...

Money Mail 187 - Cashing up annual leave, good or bad?

07 Dec 2023

Contributed by Lukas

As money gets tight for people, I read about the different ways people are trying to put money back into their household. One of the ways people are d...

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

06 Dec 2023

Contributed by Lukas

Mikey comes in all guns blazing around why everybody needs to experience the hunting season, and no we ain't talking about knocking over a couple of d...

Sharesies | Behind The Scenes w/ Leighton Roberts (CEO)

04 Dec 2023

Contributed by Lukas

Leighton Roberts CEO and co-founder of Sharesies stops by to answer your questions and several others about the journey and future of Sharesies includ...

Money Mail 186 - Students lose 45% of a portion of their income?

30 Nov 2023

Contributed by Lukas

For those with student loans, 12% of all income above the IRD threshold ($22,828 at present) has to be repaid against the student loan. This is calcul...

Housing Unaffordability Is At Its Worst? (Oct 23) w Mikey Smith (Guardian Smith)

29 Nov 2023

Contributed by Lukas

Recent data from October suggests that there has never been a more unaffordable time to buy a home if you are a first-home buyer. We dig into the data...

Why Are People Scared To Take Risk? w Mikey Smith

27 Nov 2023

Contributed by Lukas

Often I get messages from people wondering what is the best platform to buy shares on, what is the best bank to get a term deposit with, who has the b...

What The New Govt Means For You & I? w Mikey Smith (Guardian Smith)

26 Nov 2023

Contributed by Lukas

We finally have a confirmed new government and Mikey takes us through some of the changes that we might expect in the coming years. What will this mea...

Money Mail 185 - ‘We sold the forever home’

24 Nov 2023

Contributed by Lukas

[Hey bro, today we did it!! Unconditionally sold our “forever home” We were $1m in the hole(debt) paying crook interest mate ($70,000pa).] I recei...

WTF! Mikey Says Interest Rates Go Down From Here!

22 Nov 2023

Contributed by Lukas

Mikey is back in the studio to fill us in on his thesis around why he thinks interest rates are going to decrease in 2024 which will be exciting for s...

Who Am I Really? w/ Luke's Partner Tazz

20 Nov 2023

Contributed by Lukas

My partner came to me and said that the listeners need to know a bit more about my softer side and some of the things you may not know about me. She s...

Money Mail 184 - Are kiwis getting poorer?

16 Nov 2023

Contributed by Lukas

Stats NZ has recently released updated data on kiwi households' net worth. To the end of the June quarter, NZ has a total of $2177billion in combined ...

Siya Kolisi - Perspective

15 Nov 2023

Contributed by Lukas

Have you heard the story background story of Siya Kolisi, an inspiration. The South African Rugby Wolrd Cup winning captain explains a bit about his j...

How To Diversify? w Rupert (Kōura Wealth)

13 Nov 2023

Contributed by Lukas

Apparently it’s smart to diversify when it comes to investing. What does that even mean? And how do we think about this for our individual situation...

Money Mail 183 - 60% tax free gains

11 Nov 2023

Contributed by Lukas

I got a bit of a fright last week when I logged into Sharesies and saw one of my stocks had increased by 60%. I refreshed the page a couple of times t...

Did The Boomers Have It All? w Mikey Smith

08 Nov 2023

Contributed by Lukas

People often joke that the boomers had it easy when it comes to the housing market but did they really? What about all the things that we have in the ...

Edwards & Co 100x Their Pram Sales w Mark Edwards

06 Nov 2023

Contributed by Lukas

2023 EY entrepreneur of the year finalist Mark Edwards joins us to explain how an idea turned into selling 100 prams in year one and now more than 10,...

Money Mail 182 - Why do people need to lose their jobs?

03 Nov 2023

Contributed by Lukas

The unemployment rate has risen to 3.9% from 3.6% last quarter. It’s slowly increasing. Often people ask why we would want unemployment to increase?...

Productivity - How Big Of An Issue? w Rupert (Kōura Wealth)

01 Nov 2023

Contributed by Lukas

The big P word that people talk about but no one ever explains. I sit down with Rupert Carlyon who has been publishing a lot of information in this sp...

Do You Deserve It? (Hard Conversation!) w Mikey Smith

30 Oct 2023

Contributed by Lukas

Mikey comes in with an absolute banger of a topic around when you deserve the things that you want in your life. This is a very tricky conversation fo...

Money Mail 181 - WANTED: Dead Or Alive: Bitcoin

26 Oct 2023

Contributed by Lukas

You might be surprised to know that bitcoin is up over 100% this year alone. Wait what? By the time you get to this, yes there could be a wild swing i...

Risking It All In Property Development w Curtis McCorquindale (Queenwood Property)

25 Oct 2023

Contributed by Lukas

Imagine having an interest in property development and then randomly buying a section and figuring out how to develop it. Well that’s what Curtis di...

Money Mail 180 - Do Young People Understand Inflation?

25 Oct 2023

Contributed by Lukas

58% of Gen Z got this question about inflation wrong. 51% of Millennials got it wrong too. Only 18% of Baby Boomers got it wrong. So what is the quest...

REVEALED: What Each Age Bracket Makes w Mikey Smith

23 Oct 2023

Contributed by Lukas

We dig into some recent data from Statistics New Zealand about different age brackets in New Zealand and the median income. You may be surprised to kn...

How To Network w Mikey Smith

18 Oct 2023

Contributed by Lukas

On the back of the success of the "How To Approach Someone" podcast it is time to look at helping you introverts on a bit of networking. There are no ...

Money Mail 179 - ‘I’ve got an idea’ - oh do you now?

18 Oct 2023

Contributed by Lukas

We've all got an idea or two. I'e had a tonne over the years myself and most I have done nothing with. We know that ideas are sh!t without execution. ...

All Things Crypto Tax With Ex IRD Investigator Jodi Collinge JCTAX.co.nz

16 Oct 2023

Contributed by Lukas

A big scoop here as we get an ex-IRD investigator from the crypto team to sit down and teach us about all of the misunderstandings when it comes to cr...