Keep The Change

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...

August 2023 OCR Surprises w Mikey Smith

21 Aug 2023

Contributed by Lukas

So the latest official cash rate announcement has been and there has again been no change in the OCR. However, in this announcement, there were a coup...

Money Mail 171 - I made $50k in July

20 Aug 2023

Contributed by Lukas

In July, we locked in over $50,000 worth of work directly from the Keep The Change audience. Last week we spoke about the concept of investing in your...

HOW To Approach Someone w Mikey Smith (GuardianSmith.co.nz)

16 Aug 2023

Contributed by Lukas

Luke gets a rogue email from someone wanting a job, who won't be getting a job. We dive into what this person could have done better and some general ...

Where Did The Lambo's Come From w Mikey Smith (GuardianSmith.co.nz)

14 Aug 2023

Contributed by Lukas

There are now thousands of supercars on the roads in NZ, we look at some numbers from back in 2000 through to today to see how this has changed and wh...

10 Commandments Q&A w Lighthouse Financial

13 Aug 2023

Contributed by Lukas

Luke sits down with James from Lighthouse Financial to discuss your questions from Augusts webinar regarding the 10 Commandments of building wealth. T...

Money Mail 170 - Did your education cost you your belief?

10 Aug 2023

Contributed by Lukas

‘’Invest in yourself’’, ‘’The best investment you can make is in yourself!’’. We’ve all heard these sayings but not everyone is inte...

WEBINAR: The 10 Commandments Of Building Wealth w Lighthouse Financial

09 Aug 2023

Contributed by Lukas

Join James Blair from Lighthouse Financial for an interactive webinar where we go through the fundamental wealth principles you need to know to succes...

You Bought Your House Now Live In It (Sorry!) w Mikey Smith (GuardianSmith.co.nz)

07 Aug 2023

Contributed by Lukas

A recent Keep The Change Instagram poll revealed that a lot of people are questioning their recent decisions to buy a property. In this podcast we rev...

From Grinding to Success and Fulfillment

06 Aug 2023

Contributed by Lukas

Something a little different today, Luke sits down with Shane from lateral lawyers and answers a few of his questions about his journey and what that ...

Money Mail 169 - Your purchasing power decreased 15% in 3 years

05 Aug 2023

Contributed by Lukas

Now that a number of you hate me after suggesting last week's income exercise, I thought I would keep that theme going. Did you know that your purchas...

Offer A Painkiller (Sabri's Idea) w Mikey Smith

02 Aug 2023

Contributed by Lukas

If you are in business or looking to make some extra cash then have a look at this framework to think about how you are going to need to position your...

Mortgage Rates Rolling Off In The Next 6 Months? w Mikey Smith

30 Jul 2023

Contributed by Lukas

For many mortgage holders your interest rates will be rolling off in the next six months and you have a decision to make. I ask Mikey what people shou...

Money Mail 168 -The disgusting income exercise you want to avoid

27 Jul 2023

Contributed by Lukas

Imagine knowing what you’ve earned for the last 8 financial years combined? Well ya can! Uh oh. Do you really want to know? The IRD will let you run...

Teach Us To Flip Property w Tama Singh

26 Jul 2023

Contributed by Lukas

We’ve learnt about what Tama does and why he’s doing it. Now he’s on a journey to teach other people to do the same thing. I ask him how we know...

You Have It All But Feel Stuck w Mikey Smith

24 Jul 2023

Contributed by Lukas

This is a listener request from somebody who has everything a lot of people would love to have but is still feeling stuck. We dive into how to think a...

PLEASE Understand Inflation NOW! w Mikey Smith

23 Jul 2023

Contributed by Lukas

Plenty of people are excited about inflation decreasing but you still need to understand the long-term impacts of inflation. This episode will show yo...

Money Mail 167 - What is a liquidation?

22 Jul 2023

Contributed by Lukas

Recently you may have seen more stories about businesses going into ‘liquidation’, which can be tricky to understand. We are going to go over some...

Run Your Own Race w Luke's Partner

19 Jul 2023

Contributed by Lukas

Luke’s partner is back in the studio to bring another top 10 podcast to your ears. In this podcast we discuss why it’s important to run your own r...

Money Mail 166 - What to take to a wedding

17 Jul 2023

Contributed by Lukas

If you’re heading for a wedding or somewhere where you need to provide a gift, there’s a high chance that you’re questioning what is enough? The...

Why You Can't Make $1million With Your Current Thinking w Mikey Smith

17 Jul 2023

Contributed by Lukas

What would it take for you to make $1 million per year? Chances are you don't know right now but if you have the right information we are sure that th...

48 property flips in 2 years w TamaSingh.Com

12 Jul 2023

Contributed by Lukas

48 property flips in 2 years and never once lost money. How the hell does one person manage this? I sit down with Tama Singh and find out what sparked...

Hooray The OCR Stayed The Same, What Next? (July 2023)

12 Jul 2023

Contributed by Lukas

The latest official cash rate announcement came out today and some good news for people with it not moving at all. This was no surprise because last t...

‘’Mindless Obedient workers’’ w Mikey Smith (GuardianSmith.co.nz)

10 Jul 2023

Contributed by Lukas

Is that what we really are? We’ve been trained to be like this from a young age and history supports this. No wonder so few of us think. OR set goal...

Money Mail 165 - Go & see a psychotherapist

08 Jul 2023

Contributed by Lukas

An insight to the tremendous doco 'Stutz' now playing on Netflix. I won’t ruin it for you and go into too much detail, but please go and learn from ...

Busting KiwiSaver Myths w Adam from CompoundWealth.co.nz

05 Jul 2023

Contributed by Lukas

Is now a bad time to switch providers? What about funds? How much should I contribute? Will the government steal it all? To clear debt or contribute t...

Practical > Theory in a recession w Mikey Smith (GuardianSmith.co.nz)

03 Jul 2023

Contributed by Lukas

’50% of people won’t get out of bed’ - D Sullivan. You’ll compete with less people during a low growth period because people will simply find ...

What The June Credit Data Says w Mikey Smith

02 Jul 2023

Contributed by Lukas

We get access to Centrix's June credit data reports and have a look at who is overdue on their Buy Now Pay Later and credit card's and what we should ...

Money Mail 164 - Where have you come from?

30 Jun 2023

Contributed by Lukas

Today marks the 1/2 way point of 2023. Ya kidding me, how has that happened? So far this year it’s been 6 months of a gentle economic grind down. I ...

What You Don’t Get Told About KiwiSaver w Adam from CompoundWealth.co.nz

28 Jun 2023

Contributed by Lukas

We get Adam back in the studio to help us understand what we don’t know about KiwiSaver. How big is it going to get? What’s up with all of these n...

71% of businesses have 0 employees - w Mikey Smith (GuardianSmith.co.nz)

26 Jun 2023

Contributed by Lukas

Smith (GuardianSmith.co.nz) NZ’s greatest opportunity. To turn self employed people into business owners. Luke runs Mikey through some business stat...

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

25 Jun 2023

Contributed by Lukas

Well, it is finally here the mega pod to help you understand how to think differently and where your thoughts even come from to start with. You won't ...

Money Mail 163 - Why the best time to get ahead is now

24 Jun 2023

Contributed by Lukas

"You cannot overtake 15 cars in sunny weather…but you can when it’s raining.” Now that the rain is here and the difficult times appear to be mor...

No one is coming to save you - w Mikey Smith (GuardianSmith.co.nz)

21 Jun 2023

Contributed by Lukas

In this podcast we let one of the most powerful people in the world talk to us like children and tell us there is nothing to be worried about. We dig ...

Money Mail 162 - Is this NZ’s biggest opportunity?

20 Jun 2023

Contributed by Lukas

You might be surprised to know that over 400,000 of our 546,000 businesses in NZ hire 0 staff. I think this is single-handedly our biggest opportunity...

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

19 Jun 2023

Contributed by Lukas

Everybody loves to believe that property doubles every ten years but maybe we need it to when we factor in the cost of the things we need to pay for i...

Holy F4rk It's a Recession, So What Now? w Mikey Smith of GuardianSmith.co.nz

16 Jun 2023

Contributed by Lukas

Well well well it's finally here the recession has hit. Is it time to freak out or is it time for keep the change listeners to continue to stick to th...

Who's Borrowing & LVR Changes (June 23) w Mikey Smith

14 Jun 2023

Contributed by Lukas

Recently there were changes to the LVR rules so we asked Mikey what the hell that means and also get an update from him about who is borrowing propert...

Unlocking the Legal Secrets of First-time Property Buyers with Angus from HouseMeLegal.co.nz

12 Jun 2023

Contributed by Lukas

Buying a property can be scary enough from a financial perspective before even thinking about the law. Angus from HouseMeLegal.co.nz stops by to tell ...

Money Mail 161 - What does a $150 bag cost?

10 Jun 2023

Contributed by Lukas

For many of us, we price things in a unit we can measure. I.e. If you earn $30 an hour, you may price a $150 bag as 5 hours of work. Don't forget abou...

Why It's NOT The Bottom Of The Housing Market w Mikey Smith

08 Jun 2023

Contributed by Lukas

There are constant articles and everyone is talking about how the bottom of the housing market is here, let's dig into this and find out why maybe tha...

You Are Not Ready - NZ Economist - w/ Mikey Smith

07 Jun 2023

Contributed by Lukas

Mikey tunes in to a webinar with a leading economist from New Zealand who predicts things are going to get very grim here and we are still some time a...

Luke Falls In Love With Another Man In USA w Mikey Smith

05 Jun 2023

Contributed by Lukas

Recently a man from America really caught Luke's ear and eye and in this episode we will look at how this happened and what it is that they are talkin...

Money Mail 160 - Rental Property Interest Changes

01 Jun 2023

Contributed by Lukas

From the 1st of April 2023, interest incurred on rental properties will now only be 50% tax deductible. We are going to learn about this because it’...

Money Mail 159 - An End To The Pain?

01 Jun 2023

Contributed by Lukas

The Reserve Bank increased the OCR (Official Cash Rate) for the 12th straight time. It now sits at 5.5%. The Reserve Bank, have forecast out into the ...

Money Mail 158 - What's in it for me? Or NZ?

01 Jun 2023

Contributed by Lukas

The NZ budget is out again this week and we explore whether we need to change the question of 'whats in it for me?' to 'whats in it for NZ?'. The annu...

'What's It Like Not Caring About Money' w Mikey Smith

31 May 2023

Contributed by Lukas

Mikey was recently asked what it is like to not have to care about money. In this episode he breaks down how he answered this question. Just to be cle...

Money Mail 157 - 🎉 Celebrate 3 years of KTC with me

31 May 2023

Contributed by Lukas

We did it, 3 years of KTC! The very first edition of Money Mail went out on the 22nd of May 2020. There were 201 recipients. Things looked a little di...

Luke's Lessons From The Philippines w/ Mikey Smith

30 May 2023

Contributed by Lukas

Luke ventures to the Philippines for a week and sits down with Mikey to go through his lessons from the week. Shit, it was good to be back in a countr...

Is It Ok To Be Selfish? Are We All Selfish? w Mikey Smith

28 May 2023

Contributed by Lukas

Is being selfish a good or bad thing, or neither? We dig into different situations where you’ll be considered to be selfish even when you might be d...

Mikey Schools Luke On Why Guys Want Cars

24 May 2023

Contributed by Lukas

Mikey rolls into the stupid with hard data to back up the fact that guys want cars for more than just marketing. Has Luke got it wrong this whole time...

What If We Have No Growth For A Decade? W Mkey Smith

22 May 2023

Contributed by Lukas

Have you heard people talking about ‘The Lost Decade’? What is that all about and how should we prepare ourselves. We hear from legendary investor...

Viva Las Vegas: Luke's USA Lessons w Mikey Smith

18 May 2023

Contributed by Lukas

Well, Luke made it back in one piece from Vegas and sit down with Mikey to discuss the things that he noticed about America including how big it is, h...

Relationship Money Differences 😳 w Luke's Partner

17 May 2023

Contributed by Lukas

Luke's partner stops by the studio and they record an impromptu podcast about the differences and the ways that they both see money and some of the ch...

Your Financial Stories (Debt To Success) Part 3 w Mikey Smith

15 May 2023

Contributed by Lukas

We read through a number of your financial stories sent in by Keep The Change listeners and readers as you explain the journey you've been through the...

Changing Vehicles & Backing Your Skills w Jamie MacLennan

10 May 2023

Contributed by Lukas

Jamie popped into the studio to discuss his journey from changing jobs and backing him self in business and how he went about it including selling his...

Mind Traps You Need To Avoid (Part 1) w Mikey Smith

08 May 2023

Contributed by Lukas

Luke and mikey find a great video on YouTube about the 21 one traps that we all need to be mindful of. Tune in to part one of this to learn about the ...

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

04 May 2023

Contributed by Lukas

I wouldn’t be where I am today if it weren’t for some of the people who have built and sold massive businesses that have changed my life and, in t...

Help For NZ Employee's w Super-Advice's Jeremy Hoskin

03 May 2023

Contributed by Lukas

Jeremy from https://super-advice.co.nz/ Joins us in the studio to tell us about what he has built for employers to enable their employee's financial w...

Your Opportunity Of A Lifetime In This Recession w Mikey Smith

01 May 2023

Contributed by Lukas

They say that there's always an opportunity in a recession, so what is it? We sit down for an hour to discuss all of the opportunities that you may no...

The Perfect Loan Structure w/ Mikey Smith

30 Apr 2023

Contributed by Lukas

Luke sits down to ask Mikey does the perfect line structure exist and if it does what is it? We look at a number of hypothetical situations that could...

Money Mail 155 - Shocking truth about CEO pay in NZ

29 Apr 2023

Contributed by Lukas

Recently the Herald Business desk put together a list of the top 10 salaries of CEO’s in NZ. I hear and read things like:‘No job is worth more tha...

WTF The Rich Only Pay 9.4% Tax, How Unfair! w Mikey Smith

28 Apr 2023

Contributed by Lukas

Well it has been the talk of the town this week as the IRD tell us that the rich aren't paying their fair share of taxes. In this podcast we will expl...

WEBINAR: How To Build Your Financial Plan w/ Lighthouse financial

28 Apr 2023

Contributed by Lukas

Here it is, the webinar you've been waiting for! We sit down with James Blair from lighthousefinancial.co.nz from the wealth team to discuss putting t...

Bank Cash Back Wars - Pull The Trigger Or Not? w Mikey Smith

26 Apr 2023

Contributed by Lukas

You may have seen the banks advertising cashback for your mortgage. What is this all about and when is a good time to explore for yourself? We ask Mik...

Money Mail 154 - Inflation: it’s far from over

25 Apr 2023

Contributed by Lukas

Yay inflation is less than expected! Is it time to celebrate? I don't think so. It is great that inflation has decreased, but it’s still too high. I...

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

24 Apr 2023

Contributed by Lukas

Wrap your ears around this one as we get insights from one of over 1,000 financial mentors in New Zealand who help out people to improve their financi...

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

19 Apr 2023

Contributed by Lukas

We're really sorry to let you know that you have been lied to on a number of fronts. We think it is becoming increasingly evident by all of you that e...

Lessons From Mikey's 100th KTC pod (Thanks To Double Yolk)

17 Apr 2023

Contributed by Lukas

This podcast is brought to you by the good folks at Double Yolk. Double Yolk are bringing trust back to offshore software development. Check them out ...

The Collapse Of The US$, How Worried Should We Be? w Mikey Smith

16 Apr 2023

Contributed by Lukas

There are a lot of chats at the moment around the collapse of the US dollar. Luke and Mikey provide some thoughts on what this means, how it may impac...

Money Mail 153 - So You Won Lotto Huh? Would You Do This?

15 Apr 2023

Contributed by Lukas

If we were to be given a large stack of money, the first thing most people would do is pay off their mortgage. Maybe this is due to a guaranteed retur...

Money Mail 152 - Don't Let This Economy Fail

15 Apr 2023

Contributed by Lukas

Last week we discussed the fact that the economy is highly likely to now be in a recession. There is no ‘growth’ and it is contracting. I’ve see...

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

12 Apr 2023

Contributed by Lukas

Scotty from SMProperty.co.nz joins us to tell us about how he helps first home buyers get on the property ladder and he also takes us through his jour...

Relationship Law + Contracting Out Agreements + Divorce w Nicole Murphy

10 Apr 2023

Contributed by Lukas

Have you ever wondered what happens when you separate from a relationship in terms of your finance? Today we speak to a experienced divorce lawyer abo...

OMG The OCR 😳 (April 23) w Mikey Smith

06 Apr 2023

Contributed by Lukas

Oh my god the reserve bank just increase the OCR for the 11th straight time. Mikey and Luke sit down to figure out exactly what this means and if we s...

The Future Of Kiwisaver w Rupert (Kōura Wealth)

05 Apr 2023

Contributed by Lukas

Will it replace the pension? Will the government take it off of us? Will it lead to a NZ infrastructure boom? Luke & Rupert (Kōura Wealth) sit do...

Winning $20mil In Lotto: What YOU'D Do w Mikey Smith

03 Apr 2023

Contributed by Lukas

You heard what we do if we won $20 million on lotto, now it's time to find out what the Keep The Change readers would do. We asked on Instagram and he...

Shocking Insights From My 2023FY Review

02 Apr 2023

Contributed by Lukas

At this time of the year I like to sit down and compare where I am now to where I was 12 months ago. I'll explain exactly how I do this and why the mo...

Money Mail 151 - How The Economy Stops

01 Apr 2023

Contributed by Lukas

In March Stats NZ told is that Gross domestic product (GDP) fell 0.6% in the December 2022 quarter. This means we are 1/2 way to a recession. Or maybe...

Winning $20mil In Lotto: What WE'D Do w Mikey Smith

29 Mar 2023

Contributed by Lukas

We run you through the hypothetical situation that we win $20 million and take you through the exact steps we would take, what will be thinking about,...

The EXACT Process To Get A Mortgage w Mikey Smith

27 Mar 2023

Contributed by Lukas

Mikey is one of the best mortgage advisors in the country and has numerous awards. He sits down to tell us the exact process he takes his clients thro...

Money Mail 150 - $27 tax free per week?

24 Mar 2023

Contributed by Lukas

Turns out, working from home IS a thing and often employee's pay costs associated with this. During the cerveza sickness, the IRD increased the tax fr...

Doing Kiwisaver Different w Rupert (Kōura Wealth)

22 Mar 2023

Contributed by Lukas

Luke sits down with Rupert Carylon to discuss how Kōura Wealth have changed the Kiwisaver game with a more personalised approach. We talk about why t...

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

21 Mar 2023

Contributed by Lukas

The number of people struggling financially is really starting to increase. Nearly 12% of Kiwis are currently behind on their debt repayments: persona...

Dress For Success Or Not? w Mikey Smith

20 Mar 2023

Contributed by Lukas

This is a listener request about how it is important to dress for your audience and dress for success, do you believe this? We all have different thou...

To Invest In Property Or Not? w Lighthouse Financial

15 Mar 2023

Contributed by Lukas

Luke joins the Cheques & Balances crew to look at an example where property isn’t the right solution. This is the story of an actual client and ...

Slow Down To Speed Up w Mikey Smith

13 Mar 2023

Contributed by Lukas

Sometimes in life we need to slow down to speed up. This can be a very hard thing for us to accept and think about but we will give you some examples ...

June July Is When It Will Hit, Be READY! w Mikey Smith

12 Mar 2023

Contributed by Lukas

Mikey thinks that the economy truly could shit the bed come June or July. He takes us through exactly why he thinks this and Luke thinks it could be l...

You Made It, Welcome! What's All This About?

10 Mar 2023

Contributed by Lukas

You have found your way to Keep The Change, so what is this all about? This content is designed to help over 100,000 Kiwis improve their financial lit...

Money Mail 148 - Time for 65+ to donate their super?

09 Mar 2023

Contributed by Lukas

For some of our superannuitants, they simply don’t/won’t need their super BUT they are entitled to it. If it’s not needed, perhaps it could be s...

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

08 Mar 2023

Contributed by Lukas

On Instagram we asked you what is getting in the way of your financial success. In this episode we take you through all of these things as well as dif...

Your Financial Stories Pt 2. (Grunty!) w Mikey Smith

06 Mar 2023

Contributed by Lukas

We take you through more of Keep The Change's listeners' financial stories to both learn and be inspired by you amazing people. You won't want to miss...

Money Mail 147 - Why I Bought A PIE Fund

05 Mar 2023

Contributed by Lukas

Recently I bought a PIE fund and I’m not talking steak and cheese ones. I had a bit of spare cash sitting in a bank account and I wanted to ‘make ...

Retire Early Via Property w Angela Strang

03 Mar 2023

Contributed by Lukas

In this episode we tune in with Angela Strang who has 'retired' by the age of 35. We ask how the hell that is possible and what it even means! Angela ...

Putting a Financial Plan Together With Lighthouse Financial Services

01 Mar 2023

Contributed by Lukas

Luke sits down with James from Lighthouse financial to understand how they go about financial planning for their clients and the exact process that th...

Are Term Deposits Cool Again? w Lighthouse Financial

28 Feb 2023

Contributed by Lukas

Luke joins the Lighthouse Financial crew to discuss why term deposits are being spoken about again and why he recently plonked some money into a PIE f...

The Balance Sheet Recession w Mikey Smith

27 Feb 2023

Contributed by Lukas

People are saying this recession could be about using your balance sheet. In this episode we discuss what a balance sheet is and how it's not just for...

Money Mail 146 - Dear Mothers...(OR anyone down and out)

24 Feb 2023

Contributed by Lukas

A reader reached out to me with what they did when they found themselves as a solo parent, with 2 young kids (2 and 5) and I thought I would share thi...

Feb OCR Update - We're Backed Into A Major Corner w Mikey Smith

24 Feb 2023

Contributed by Lukas

This week we've had a new official cash rate announcement from the reserve bank of New Zealand and it with the recent events around New Zealand shit t...

Stockmarket/Kiwisaver Check In w Adam Stewart (Compound Wealth)

23 Feb 2023

Contributed by Lukas

Luke sits down with Adam Stewart from Compound Wealth to find out what's happening in the stock market and whose Kiwi saver will be performing the bes...