Keep The Change
Episodes
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 ...
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...