Keep The Change

What It's Like Having No Debt w Mikey Smith

10 Dec 2022

Contributed by Lukas

Mikey and Luke sit down to explain their journey of going from having consumer debt to minimal debt and what that's like and what it allows you to do....

Money Mail 135 - Did you do these 3 things?

09 Dec 2022

Contributed by Lukas

3 short months ago I gave you 3 actionable steps to take to get ready for what was coming, so did you? We are into that real spending time of the year...

How To Make $100k In 2023 w Mikey Smith

09 Dec 2022

Contributed by Lukas

In this episode we explore the concept of believing this is possible to start with and thinking about how we can increase our income in 2023 to join s...

Side Hustle To Business w Jamie Episode 2

08 Dec 2022

Contributed by Lukas

Mikey and Luke sit down with Jamie to discuss how her progress is going with taking her side hustle to a business. Jamies now juggling Mum life with b...

Money Mail 134 - I am stacking these currencies

02 Dec 2022

Contributed by Lukas

With all this doom and gloom it’s a good reminder to consider the currencies you’re collecting. This is a good time to remember that it’s not al...

Valerie Adams Vs Jordan Peterson w Mikey Smith

30 Nov 2022

Contributed by Lukas

Every now and then us 2 financial geeks venture outside the world of finance and go and do something different. We take you through our experiences fr...

Will this OCR increase break everything? w Mikey Smith

27 Nov 2022

Contributed by Lukas

Mikey and Luke sit down to review the biggest rise in OCR history and find out why the reserve bank are so confident we are heading into a recession. ...

Money Mail 133 - Black Friday specials suck (you in)

26 Nov 2022

Contributed by Lukas

Apparently there are discounts everywhere. The ole black Friday sales are in full swing. Black Friday has become a very popular day of buying in New Z...

Your Questions Answered (Partner Finances) w Mikey Smith

23 Nov 2022

Contributed by Lukas

This mostly focuses on mixing or keeping separate your finances with your partner out of the question asked by one of the listeners. Hey thanks for li...

Luke's $100k Speaking Journey Update w Mikey Smith

20 Nov 2022

Contributed by Lukas

In a recent podcast Luke explained how he was going to take his speaking more seriously and this is an update on where he's at in monetising this and ...

Money Mail 132 - Upping my Kiwisaver contributions

20 Nov 2022

Contributed by Lukas

I just voluntarily upped my Kiwisaver contributions. Why would I do this? Saving for our retirement has still been introduced as mostly voluntary. By ...

Money Mail 131 - How politicians mind F@rk us

20 Nov 2022

Contributed by Lukas

Gee the politicians have done a great job. A great job at getting us right where they need us. Right in the trap of thinking in a way that won’t nec...

STOP! Listening To This Podcast w Mikey Smith

16 Nov 2022

Contributed by Lukas

if you are listening to this podcast and not taking any action then perhaps it is time to turn it off. We love you listening but we would love to see ...

Is A Side Hustle Worth The Time? w Mikey Smith

13 Nov 2022

Contributed by Lukas

There has been a lot of chat around side hustles recently and in this podcast, we dive into whether it is worth the time investment and discover the b...

Mikey Rents A Lambo (Material Inspiration?)

11 Nov 2022

Contributed by Lukas

Mikey and Luke explore the topic of using material things to inspire you in the world that tells you not to as well as Mikey tasting his future life b...

The Side Hustle Formula Works! w Luke's GF

08 Nov 2022

Contributed by Lukas

Luke's partner Tazz joins Mikey and Luke in the studio to discuss her success with the side hustle methodology taught by keep the change. Tune in to h...

The Ram Raid Mentality Will Ruin Your Life w Mikey Smith

06 Nov 2022

Contributed by Lukas

Whats up with all of these ram raids at the moment and what can we make sure we don't learn from people who are keen to take shortcuts, cheat, steal a...

Money Mail 130 - BNPL arrears hit 3 year high of 9.3%

05 Nov 2022

Contributed by Lukas

This is where BNPL and credit cards are so dangerous as you ‘feel’ like you can get away with it. You don’t pay & nothing really happens. It’s...

Play The Long Game (Never Lose!) w Mikey Smith

02 Nov 2022

Contributed by Lukas

This is Mikey's theory on why playing the long game will ensure you never lose in whatever area it is that you are trying to get ahead in. Tune in and...

Become A Guaranteed Millionaire Via KiwiSaver w Mikey Smith

30 Oct 2022

Contributed by Lukas

Luke and Mikey sit down and dig into an ASB KiwiSaver tool to figure out how much you need to set aside to ensure you have $1M when you reach age 65.H...

Money Mail 129 - Do You Love A Day Off?

27 Oct 2022

Contributed by Lukas

In New Zealand, we seem to be busier than ever and all feel pretty time-poor but, we also get given a lot of days off. 146 days where we don't necessa...

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

26 Oct 2022

Contributed by Lukas

Grant Cardone owns over $1 billion worth of property but he's telling us not to buy a home, what is he trying to teach us when explaining this? Is thi...

The $10k Project with Jamie (Episode One)

25 Oct 2022

Contributed by Lukas

Jamie is the winner of our $10k investment into someones idea. This is our first catch up with Jamie to help her figure out how to turn this side hust...

Small Pond, Big Fish (NZ Advantage) w Mikey Smith

22 Oct 2022

Contributed by Lukas

Remember that a lot of people will be too scared to put the heads up above the clouds and if you are brave enough to do it you can get yourself a furt...

Money Mail 128 - More inflation, more interest rate rises

21 Oct 2022

Contributed by Lukas

This week the Reserve bank undercooked their forecast for inflation and it came in at 7.2%. Even bank economists were off the mark - but are we surpri...

4 Things To Invest In Right Now w Mikey Smith

20 Oct 2022

Contributed by Lukas

Have a think about these four things and whether you could be investing in them whilst all markets seem to be going backwards all around the world. He...

Money Mail 127 - More of your pay gone before you get it?

20 Oct 2022

Contributed by Lukas

Some time ago, I mentioned an insurance scheme that the government is looking to introduce. This was an announcement quite some time ago (Budget 2021)...

How Far Will Housing REALLY Collapse? w Mikey Smith

18 Oct 2022

Contributed by Lukas

New inflation data in today means that interest rates could go up even higher. What does this mean for all markets including your favourite the housin...

Mikey Says ''Break These 7 Society Rules''

17 Oct 2022

Contributed by Lukas

Mikey takes us through the 7 society rules that he thinks we should throw in the bin. Tune in and unlearn what you may not believe. Let us know what y...

Do One Extra, Each Year w Mikey Smith

15 Oct 2022

Contributed by Lukas

This is the concept of picking one thing each year that you can add to your skillset. Mikey explains it and Luke reveals his one thing for 2023 and be...

Your Questions Answered [Part 4] w Mikey Smith

13 Oct 2022

Contributed by Lukas

In this episode we look at listener feedback to our recent podcast about ‘fark paying someone else’s mortgage’ plus a couple of other questions....

Luke Buys A Tesla Without Driving It w Mikey Smith

11 Oct 2022

Contributed by Lukas

Ever bought a car in 15mins? Luke has. And this led to him having no idea where to pick it up from. This is a podcast about decision making and slowin...

Money Mail 126 - My own dirty secrets revealed (Productivity Rd2)

09 Oct 2022

Contributed by Lukas

If time is money, is money time? How can we put more time back into our lives? Here are some more of the ways I have put time back into my day in orde...

Mikey Goes To Singapore - What Did He Learn?

08 Oct 2022

Contributed by Lukas

Mikey takes us through his so called ‘holiday’ where he tries to figure out what makes Singapore tick. This is an insight into Mikey’s brain, en...

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

07 Oct 2022

Contributed by Lukas

Simon Phillips from The Magnitude Group stops by to give us insights into scaling up a million dollar ecom business. He also gives us insight into his...

Money Mail 125 - The dirty Kiwi secret we can't ignore

06 Oct 2022

Contributed by Lukas

New Zealanders work about 10% more hours per person than workers in the average OECD economy. Kiwis also produce about 20% less output than workers in...

Can You Still Get A Mortgage (September) w Mikey Smith

05 Oct 2022

Contributed by Lukas

Luke and Mikey sit down to discuss whether or not you can still get a mortgage in the current climate (September 2022). Hey thanks for listening! Plea...

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

04 Oct 2022

Contributed by Lukas

Luke sits down with Izzy Whitley from Aotearoa Labour Hireto to discuss his six years in business and his goal to turn over $100 million a year. Tune ...

Travel - Worthwhile or A Waste? w Mikey Smith

02 Oct 2022

Contributed by Lukas

Mikey and Luke are asked for their thoughts on travel and whether it is 'worth it' or not? Of course this is different for everyone but here are some ...

'Fark Paying Someone Else's Mortgage' is flawed thinking w Mikey Smith

30 Sep 2022

Contributed by Lukas

The video Luke was too scared to post. Luke and Mikey discuss the concept you always see on social media 'fook paying someone else's mortgage'. Luke t...

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

28 Sep 2022

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...

Money Mail 124 - The Super NZ Fund

27 Sep 2022

Contributed by Lukas

This week we take a look at how the government are preparing the country for the cost of retirement and what we can learn from this too. It's a long g...

Working On Super Yachts (Ultimate OE) w Hamish Taylor

26 Sep 2022

Contributed by Lukas

Hamish Taylor from Yachties Of NZ sits down to tell us about a different way to live abroad. Hear some tales from his travels as well as HOW to get in...

Your Questions Answered (Part 3)

26 Sep 2022

Contributed by Lukas

Mikey and Luke sit down to answer another batch of questions you have asked via the Q & A link at the bottom of the email.Hey thanks for listening! P...

Dress For Success?

24 Sep 2022

Contributed by Lukas

We touch on the touchy subject of how you need to dress in this day and age if you are overthinking it. Hey thanks for listening! Please take some for...

Dear 20 Year Old Kiwis

22 Sep 2022

Contributed by Lukas

We sit down to look at the advice we would give to ourselves if we were 20 again. This might speak to a number of you out there at this age. Hey thank...

$10k Applications Close Friday

20 Sep 2022

Contributed by Lukas

On Friday we will be closing up our applications for the $10,000 investment into your side hustle or business idea. Tune in to get some background on ...

The NZ Rich List w Mikey Smith

20 Sep 2022

Contributed by Lukas

We sit down to have a look at who is on the rich list with residential property as everyone believes in New Zealand that property is how you get rich....

Money Mail 123 - Are kiwis too broke to retire?

18 Sep 2022

Contributed by Lukas

My old university (Massey) put out a report about how pensioners trying to survive on superannuation alone were finding it near impossible to make end...

3 Stages Of Your Financial Journey w Mikey Smith

18 Sep 2022

Contributed by Lukas

The three stages that everyone will go through. You can use this to help figure out where you're at and we will be expanding on this by providing more...

Your Questions Answered w Mikey Smith (Part 2)

17 Sep 2022

Contributed by Lukas

Mikey and Luke sit down to answer two of your questions before we get interrupted by Uber eats so check those out and see what you can learn.Hey thank...

Sell A Business Tax Free w Mikey Smith

15 Sep 2022

Contributed by Lukas

Do you know that if you sell a business you shouldn't get taxed on this? We explain why and how you can think about this in terms of your side hustle....

Quiet Quitting | Loud Losing w Mikey Smith

13 Sep 2022

Contributed by Lukas

Quiet quitting, what is up with this latest fad of doing the bare minimum? we explore how this type of thinking could be the downfall of a number of p...

The Queen Has Left Us :( w Mikey Smith

12 Sep 2022

Contributed by Lukas

Mikey and Luke are both pretty sad about the Queen dying. We touch on what an amazing career, if you can call it that, the Queen his head and reflect ...

Money Mail 122 - Why $100k is your new target income

10 Sep 2022

Contributed by Lukas

Around 1/9 people earn over $100,000 in this country. I am on a mission to help people get increase that statistic. We can find different ways to earn...

Our $10,000 investment in you? w Mikey Smith

09 Sep 2022

Contributed by Lukas

Hear more about our idea to invest $10,000 into one of your business ideas and help you to build a business over the next 12 months. Hey thanks for li...

A 'system' change won't change your life? w Mikey Smith

06 Sep 2022

Contributed by Lukas

Why are people so obsessed with thinking they will have a better life when the system changes? Start by changing yourself instead. Hey thanks for list...

Your Questions Answered w Mikey Smith (Part 1)

05 Sep 2022

Contributed by Lukas

These are Keep The Change community questions that have been asked and Mikey and Luke sit down to answer these for you. Hey thanks for listening! Plea...

Money Mail 121 - Tick these 3 goals off before it's too late

04 Sep 2022

Contributed by Lukas

Last week, I gave you the ultimate guide to fighting back against inflation. I really hope you took something practical from it. This week, I have 3 p...

Can you still get a mortgage? [August] w Mikey Smith

03 Sep 2022

Contributed by Lukas

Mikey lets us know how busy the mortgage world has been and we make some bold predictions around what we see happening in the world at the moment.Hey ...

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

01 Sep 2022

Contributed by Lukas

How to get people thinking about the age old question of where you see yourself in five years time and actually building a vision for your life. Hey t...

The value equation w Mikey Smith

30 Aug 2022

Contributed by Lukas

Mikey explains to us how you can add more value to your life, your job, and to anything using the simple equation. Hey thanks for listening! Please ta...

Who is this Tate / Top G guy & what can we learn? w Mikey Smith

28 Aug 2022

Contributed by Lukas

We sit down to discuss the famous and most google searched person Andrew Tate and figure out why he is so popular and dive into why been cancelled. He...

Money Mail 120 - The ultimate F*&k inflation guide

28 Aug 2022

Contributed by Lukas

The Reserve Bank said that they expect inflation to be above the targeted rate (1 to 3%) until June 2024. That means your purchasing power is going to...

Money Mail 119 - It only took 5 years to change my life

19 Aug 2022

Contributed by Lukas

5 years ago, my business partner and I sat in Fiji tipping over a couple of Fiji golds, scheming how to build a $1,000,000 business. At the time, we h...

Money Mail 118 - A Finance App For Our Children

12 Aug 2022

Contributed by Lukas

Last week I was speaking to one of my clients about an app that their children can use to learn more about money. I had recently been reading about th...

Is University A Waste Of Money? w Mikey Smith

09 Aug 2022

Contributed by Lukas

Luke and Mikey tackle the conversation that universities are scared to have around whether their degrees actually have any value for people. If you ar...

117 - 75 Hard For Your Finances?

09 Aug 2022

Contributed by Lukas

This week we are going to look at the latest fad out there 75 hard. How do people get into this stuff? It’s simple, right…people are looking for a...

Being Triggered By My Videos / Reels w Mikey Smith

08 Aug 2022

Contributed by Lukas

Luke goes on a rant about having an ability to look at things from the top down instead of being triggered by content you see after some recent trigge...

Can You Still Get A Mortgage (July) w Mikey Smith

07 Aug 2022

Contributed by Lukas

We sit down with Mikey to find out whether it is possible to get a mortgage and what the update is there. Interesting June it was one of the lowest mo...

The Cost Of Living Payment Balls Up w Mikey Smith

07 Aug 2022

Contributed by Lukas

Luke and Mikey sit down to look at the recent blunder when paying out people who were deceased or living overseas with the cost of living payment and ...

How’s Your KiwiSaver Going? w Adam Stewart

04 Aug 2022

Contributed by Lukas

We check in with Adam Stewart from Compound Wealth to find out what happening in the market and find out what people should be thinking about with the...

Money Mail 116 - Houses - to the moon or hell?

28 Jul 2022

Contributed by Lukas

Just over 10 years ago, I started my first public practice accounting job. In that decade I have seen a number of changes to the property rules which,...

The Lads Watch Elvis w Mikey Smith

28 Jul 2022

Contributed by Lukas

Spoiler Alert!! This is a breakdown of the lessons we learnt from watching the Elvis movie and we suggest not listening if you want to go and see the ...

Does race really matter? w Lennie Brooky

27 Jul 2022

Contributed by Lukas

Lennie and Luke sit down to discuss Lennie's background and a recent post on Instagram around whether anyone can be successful and how much someone's ...

The Govt Has No Money w Mikey Smith

26 Jul 2022

Contributed by Lukas

Mikey and Luke sit down to talk about where money comes from for the government and whether or not they actually have any, and if they don't where is ...

Property, A Bad Bet? The Rules Have Changed w Mikey Smith

24 Jul 2022

Contributed by Lukas

Mikey and Luke sit down to look at the changes to tax laws for property in the last 10 years and what implications that may have on the value of homes...

Money Mail 115 - $350 for free - what to do with it

24 Jul 2022

Contributed by Lukas

In August, September and October, the government will be paying a total of $350 to around 2.1 million kiwis who earn $70,000 or less. Let's have a loo...

Dissecting Clips Pre Pandemic & Mid Pandemic w Mikey Smith

19 Jul 2022

Contributed by Lukas

Luke and Mikey sit down to look at a couple of clips from Adrian Orr, the Reserve Bank Governor General, to get a feeling for what he was thinking abo...

OCR Goes Up. What It Means? + Luke Hiring Offshore w Mikey Smith

17 Jul 2022

Contributed by Lukas

Luke and Mikey sit down to discuss the recent announcement of the increased OCR and what that will mean for interest rates and costs around New Zealan...

Money Mail 114 - A store where it's ALL free

17 Jul 2022

Contributed by Lukas

Last week I was skimming through LinkedIn and saw a post about a store in Porirua, Wellington, where everything is FREE! We learn how that works and w...

WTF Is Inversion Thinking? w Mikey Smith

14 Jul 2022

Contributed by Lukas

Mikey runs us through tackling problems the reverse way. Learn this brilliant way of thinking and see how you can implement it.Hey thanks for listenin...

Million Kiwis Leaving? Really? w Mikey Smith

12 Jul 2022

Contributed by Lukas

Surely this many people aren’t leaving? Apparently 1/3 businesses don’t think they’ll see the year out too. What’s going on for people to thin...

Booze Now Pay Later? w Mikey Smith

10 Jul 2022

Contributed by Lukas

We take a look at the controversy that popped up when alcohol stores decided it’s a good idea to offer BNPL.Hey thanks for listening! Please take so...

Money Mail 113 - The Tide Has Turned!

09 Jul 2022

Contributed by Lukas

We are now 6 months into the year and we have a very different year than last year. We are going to look at a few things we are hearing out there BUT ...

Money Mail 112 - What To Tell 250 Year 11 Boys?

06 Jul 2022

Contributed by Lukas

This year I wing my way down to Wellington. I was speaking to 250 Year 11 lads at Wellington college regarding finance and life lessons. I thought I w...

Get a chip on your shoulder. w J Lo & Mikey Smith

02 Jul 2022

Contributed by Lukas

Mikey got sucked into a J Lo Documentary... let's talk about what he learnt and what valuable lessons he took away from J Lo as well as others who hav...

Can You Still Get A Mortgage (June) w Mikey Smith

29 Jun 2022

Contributed by Lukas

Luke and Mikey sit down to discuss whether or not you can still get a mortgage in the current climate (June 2022). Hey thanks for listening! Please ta...

Money Mail 111 - Impact of using kiwisaver to buy a house

23 Jun 2022

Contributed by Lukas

New research conducted on behalf of the Retirement Commission found that Kiwisaver withdrawals had a massive impact on future balances for young Kiwis...

Do You Deserve Your Success? Trigger Warning w Mikey Smith

21 Jun 2022

Contributed by Lukas

There is a lot of chat these days about taxing the poor and calling people privileged, or talking down your success in fear of others having a go at y...

Don't Turn Down A Downturn [Part 2] w Mikey Smith

20 Jun 2022

Contributed by Lukas

Mikey takes us through lessons from a recent webinar he attended (we can get you a replay if you like) around going through the recession and a downtu...

Insights from an investing evening. w Mikey Smith

18 Jun 2022

Contributed by Lukas

Mikey and Luke venture to the Craig’s investment roadshow and report back to you with a few of their key lessons from the night. Nothing ground brea...

Money Mail 110 - 4 Credit Cards In The Bin!

16 Jun 2022

Contributed by Lukas

Credit card interest rates are increasing and the need for a credit card is too. This is a story about how you can avoid that and get on top of your c...

When to sell? Buy the dip? w Mikey Smith

16 Jun 2022

Contributed by Lukas

Is ‘buy the dip’ too simple and too burnt into our brains? Perhaps we should think about taking profits too? Mikey and Luke sit down to explore th...

Don't Turn Down a Down Turn w Mikey Smith

15 Jun 2022

Contributed by Lukas

A recession, a slow down, a down turn, you can call it what you will but things are getting weird out there. We take you through a quick exercise to h...

Money Mail 109 - $59,000 - new Kiwi median income?

12 Jun 2022

Contributed by Lukas

It has been a long time since we looked at the average Kiwi income, so this week I thought we would do that. With the minimum wage rising year after y...

Why Start A Side Hustle/Business? w Mikey Smith

05 Jun 2022

Contributed by Lukas

Tune in to Mikey and Luke to unpack why you might want to consider starting a side hustle or business. They discuss increasing your income, the tax ad...

Money Mail 108 - Who stole your money?

04 Jun 2022

Contributed by Lukas

Remember from last week that the inflation target in New Zealand is between 1-3%. In the June quarter of 2021 it was 3.3%. Then to September 2021 it w...

Can you still get a mortgage w Mikey Smith (May 22)

31 May 2022

Contributed by Lukas

Mikey is in the studio to teach us whether people are still able to get a mortgage with all of the madness out there. We ask what people should be thi...

MEGAPOD - What's going on out there & what to do (with Mikey Smith)

28 May 2022

Contributed by Lukas

Mikey and Luke chew the fat for over an hour on what’s happening in the world and how that impacts finances. They get a little deep on some of the t...