Keep The Change
Episodes
Bitcoin: Boom Or Bust From Here? w Darcy Ungaro (Ungaro & Co)
20 Mar 2024
Contributed by Lukas
Bitcoin. Itâs at all time highs and itâs 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 donât 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
Itâs hard out there and itâs 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...
Whatâs 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 youâre 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
Youâve heard me tell you this before, but you canât hear it enough. Money exchanges hands when value exceeds price. Unfortunately, most kiwis donâ...
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. Sheâs 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 canât 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 đđť 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 NZâs fastest growing start-ups. What does it do to ...
The âSweetspotâ 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 âthatâs a lot of moneyâ 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 âAbout meâ 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 itâs 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. Thatâs 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
Weâve got a weapon in the building. Someone who is juggling a lot including kids, tenants, investments and clients. Ilse Wolfe from Wolfe Property C...
âWTF Is Personal Branding?â
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 itâs 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
Heâs 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 - âWe sold the forever homeâ
24 Nov 2023
Contributed by Lukas
[Hey bro, today we did it!! Unconditionally sold our âforever homeâ 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 (KĹura Wealth)
13 Nov 2023
Contributed by Lukas
Apparently itâs 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. Itâs slowly increasing. Often people ask why we would want unemployment to increase?...
Productivity - How Big Of An Issue? w Rupert (KĹura 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 thatâs 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 - âIâve got an ideaâ - 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...
What If Australia Wasn't There? w Mikey Smith
11 Oct 2023
Contributed by Lukas
Have you ever wondered what New Zealand would be like if Australia wasn't so close and wasn't there at all? At the moment plenty of people are moving ...
Small Business Owner? Improve YOUR Financial Literacy w/ Campfire Studios
09 Oct 2023
Contributed by Lukas
Luke heads to Campfire Studios to sit down with Guy and Will to talk all things business, finance economy, and financial literacy.Hey thanks for liste...
Money Mail 178 - Your Will: The Most Overlooked Decision of Your Life?
07 Oct 2023
Contributed by Lukas
In 2022 I had to do some real âadult sh!tâ. That is never fun, is it? The kind of stuff most of us will avoid because itâs a bit scary. Or, like...
Who Believed In You? MUST Listen w Mikey Smith
04 Oct 2023
Contributed by Lukas
Luke recalls being very lucky in early life to have many people share their belief in him and he explains this and how this has really benefitted him....
Money Mail 177 - REVEALED: What I Did Last Election
03 Oct 2023
Contributed by Lukas
Last week I received hundreds of dollars in dividends. Sick brag I know! 3 years ago, when everyone was last heading for the polls, I didnât have th...
What We Saw In Singapore + Bali + Sydney w Mikey Smith
02 Oct 2023
Contributed by Lukas
A fair bit of travel recently! This is a quick recount of some of the things Luke noticed when traveling through either Singapore Bali or Sydney and h...
I Give 22yo Dangerous Life Advice, 3 Years Later He Returns w Jono Lloyd West
27 Sep 2023
Contributed by Lukas
Three years ago a young lad came to me and sought some guidance on a situation they were faced with. I gave them some potentially risky and dangerous ...
Are House Prices Roaring Again? (Sept 2023) w Mikey Smith
25 Sep 2023
Contributed by Lukas
There's a lot of talk that we have gone well past the bottom of the housing market so have we? Mikey and Luke take a look at recent changes in the hou...
Money Mail 176 - Recession Over! Why Doesnât It Feel Like It?
23 Sep 2023
Contributed by Lukas
This weeks Gross Domestic Product data told us that we are out of a recession. The economy is growing. It might only be slightly, but growth is what w...
Money Mail 175 - Live Like A King On $40k A Year
21 Sep 2023
Contributed by Lukas
I made it out of Bali alive! What an amazing country. Our dollar is worth $9,000 of theirs so it goes a bit further. Travel really gets you thinking a...
Money Mail 174 - NZ's âCost Of Inactionâ Crisis
21 Sep 2023
Contributed by Lukas
Want more money in your back pocket? Well, donât wait for an election. In October, hundreds of thousands of kiwis (possibly even millions) are going...
Money & Relationships(we go there) w Lynda Moore (Money Mentalist)
20 Sep 2023
Contributed by Lukas
Strap yourselves in and if youâre brave enough, listen to this with your partner in the same room. I sit down with Lynda Moore from https://moneymen...
What Is Your Money Personality? w Lynda Moore (Money Mentalist)
18 Sep 2023
Contributed by Lukas
What are the different types of money personalities and where do they even come from? I sit down with Lynda Moore from https://moneymentalist.com to e...
How To Make $100k Online w @JoshRyan
13 Sep 2023
Contributed by Lukas
In the second podcast with Josh Ryan, I tasked him with helping us to think about how we could make $100,000 online. Most kiwis will never hit the $10...
Mind Traps You Need To Avoid Part 2 w Mikey Smith
11 Sep 2023
Contributed by Lukas
Here it is, the part two of the series around understanding mind traps to avoid. These come from two great YouTube videos that break down the differen...
2 Ticks You â â Beat any political parties promises
07 Sep 2023
Contributed by Lukas
How to beat any political parties promises! With the upcoming election promising to be a little bit of a cash lolly scramble to secure your vote, I wa...
No degree, debt free, top earning kiwi @JoshRyan
06 Sep 2023
Contributed by Lukas
I sit down with Josh Ryan, who helps people grow their Instagram and YouTube channels so that they can make more money. They pay him money to do this....
REVEALED How (Much) Mikey Gets Paid w Mikey Smith
04 Sep 2023
Contributed by Lukas
There are a number of different ways to make income in this country and there are also a number of different forms of income so in this podcast we sta...
Money Mail 173 - The ABCs of Depreciation
04 Sep 2023
Contributed by Lukas
Thereâs been a bit of talk recently about depreciation on commercial buildings. This is because two of the major political parties will remove this ...
TRIGGER - Can You Afford That Pussy?
30 Aug 2023
Contributed by Lukas
wow oh we are really going to do this! There's been a lot of chat recently around when the right season is to have a pet so in this episode we will ex...
'Why Is Paying Down Debt Sexier Then Saving?' w Mikey Smith
28 Aug 2023
Contributed by Lukas
In this podcast we address a question that we have been asked about 'why paying down debt can feel more enjoyable than saving?'. We take a look at som...
Money Mail 172 - I donât pay all my bills
27 Aug 2023
Contributed by Lukas
Ahhh passive Income - you either desire it or believe it to be full of sh!t. Weâve all had dreams of sitting on a beach, paying for cocktails from t...
Wow! Kiwis Are Rich $$$ w Mikey Smith
23 Aug 2023
Contributed by Lukas
In a recent report from Credit Suisse, it details how Kiwis are a lot richer than you may expect. Did you know that we have hundreds of thousands of K...