Keep The Change

'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...

Money Mail 107 - OCR up, up and a raging

28 May 2022

Contributed by Lukas

This week, the Reserve Bank raised the Official Cash Rate by .5% to 2%. This is now a 6 year high for the OCR. We take a look at what it all means and...

Money Mail 106 - Budget 2022 - What it means

19 May 2022

Contributed by Lukas

There is something in here for over 2 million Kiwis directly as this is the number of people estimated to be eligible for the $350 cost of living paym...

Money Mail 105 - Investing in yourself during tough times

12 May 2022

Contributed by Lukas

When I put together the 30 in 30 podcast series, one of the most mentioned podcasts was around investing in yourself. Investing in businesses and deal...

Money Mail 104 - What is a recession?

07 May 2022

Contributed by Lukas

Last week we learnt that in the United States their GDP growth for the first quarter was actually a drop of 1.4%. This wasn’t expected and the antic...

Money Mail 103 - The world is a changing (quickly!)

07 May 2022

Contributed by Lukas

Whatever you invested your wealth in over the last couple of years, we are all in for a bumpy ole ride. A bumpy ride usually means we lose the odd per...

Money Mail 102 - Lotto...the great heist?

24 Apr 2022

Contributed by Lukas

Lotto aye...the great gamble kiwis love to dabble in every week. So what are the chances of winning Powerball and is it better to guarantee we become ...

Money Mail 101 - Struggling to buy a house? Try this

14 Apr 2022

Contributed by Lukas

I was reading up about Kāinga Ora’s first home partner programme. To summarise it really quickly for you, Kāinga Ora (a govt department) have a fi...

What To Do When You're Stuck

13 Apr 2022

Contributed by Lukas

Tune in to hear my thoughts about what to do when you're feeling stuck and how to find ideas. Hey thanks for listening! Please take some form of actio...

Mind Blowing Experts I Listen To

12 Apr 2022

Contributed by Lukas

By now you have probably realised I consume a lot of content. Tune in to find out what mind blowing experts I listen to for education, inspiration and...

Mind Blowing Books To Read

11 Apr 2022

Contributed by Lukas

Listen in to find out about important books around financial literacy that could help you further educate yourself. These books have really helped my ...

New Financial Year New You (Part 2)

10 Apr 2022

Contributed by Lukas

Part 2 - Thinking differently about your new financial year. Tune in to find out why if you only think about paying down debt you may still end up in ...

New Financial Year, New You? (If you dare...)

08 Apr 2022

Contributed by Lukas

How can we achieve more than ever before? This starts by changing our thinking. Tune in to see how people are about to get pounded by things they can'...

Money Mail 100 - Week 100 - the cost of running KTC

08 Apr 2022

Contributed by Lukas

100 not out!!! We made it to episode 100. Thanks for learning. Today we look at the cost of running Keep The Change for the last financial year. Do yo...

Money Mail 99 - Who’s got all the cash?

31 Mar 2022

Contributed by Lukas

Transaction accounts have increased in balance by around $25 billion since the start of the pandemic. Who has all of this cash and what are they plann...

30 In 30 | 30. YOU Are Powerful As Fark So Who Stole Your Power?

29 Mar 2022

Contributed by Lukas

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when...

30 In 30 | 29. What Did I Miss? 35 High Level, Key Points

28 Mar 2022

Contributed by Lukas

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when...

30 In 30 | 28. Your Questions From These Lessons

27 Mar 2022

Contributed by Lukas

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when...

30 In 30 | 27. Visibility Is A Fake Metric For Success

26 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 26. My Step Dad Passes Away

25 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

Money Mail 98 - Achieving my weird goal

24 Mar 2022

Contributed by Lukas

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when...

30 In 30 | 25. Why I Rent (Listen With Open Mind)

24 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 24. The Top Tax Bracket (39% Tax 🤯)

23 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 23. The 'Buying Fancy Sh!t' Trap

22 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 22. Stag Do & Friends Share Groups

21 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 21. Spending To Get Time Back

20 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 20. Giving | Why I Think Giving Is Important

19 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 19. Commit & Then Figure It Out

18 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

Money Mail 97 - Investing? Need to consider taxes?

17 Mar 2022

Contributed by Lukas

Most people buy shares hoping for a capital gain and we do not currently have a capital gains tax in New Zealand. Shares are usually a capital asset a...

30 In 30 | 18. A New Money Mindset

17 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 17. Building An Emergency Fund

16 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 16. Stacking 6 Figures ($100k) | Why I Did This

15 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 15. Saving 40% Of Your Income (WTF, How?)

14 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 14. Buying A Flash Car (A Waste Of Money?)

13 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 13. Investing In Yourself (Why?)

12 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 12. Being Broke & Living Rent Free House Sitting

11 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

Money Mail 96 - One for the ladies

11 Mar 2022

Contributed by Lukas

This week we had international women's day. On the weekend, I was reading about how women have less money in their Kiwisaver than men. Straight away m...

30 In 30 | 11. Quitting My Job

10 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 10. Breakups, Bad Choices, Death (Warning: Heavy Content)

09 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...

30 In 30 | 9. Buying Shares (The A2 Milk Story)

08 Mar 2022

Contributed by Lukas

30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have hap...