Keep The Change

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...

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 ‘adult sh!t’. That is never fun, is it? The kind of stuff most of us will avoid because it’s 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 didn’t 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 Doesn’t 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 ‘Cost Of Inaction’ Crisis

21 Sep 2023

Contributed by Lukas

Want more money in your back pocket? Well, don’t 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 you’re 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 ✅✅ 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

There’s 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 don’t 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. We’ve 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...

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 ...