Keep The Change
Episodes
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...
30 In 30 | 8. Trying Travel & Trying To Remember Vegas
07 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 | 7. Selling A House (WORST financial decision?)
06 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 | 6. Pissing Away My 20's
05 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 | 5. The Credit Card Spiral
04 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 95 - What the f4rk is the point?
03 Mar 2022
Contributed by Lukas
World Wars, market crashes, pandemics, floods, endemics, inflation, protests, business closures, the list goes on. How did we get here? And what’s t...
30 In 30 | 4. Buying A House
03 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 | 3. Buying Beds & Lazy Boys On Consumer Finance
02 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 | 2. Wasting Money As A Teenager
01 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 | 1. Growing Up
28 Feb 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 94 - Your personality type & spending
26 Feb 2022
Contributed by Lukas
Longer episode this week running you through my crazy week. Then into this weeks lesson: There is a great quote: ‘know yourself to know others’ an...
Money Mail 93 - I lost $37k in investments in January
20 Feb 2022
Contributed by Lukas
We spoke briefly about how January wasn’t very flash for investors. On the 31st of January I was brave enough to pull up my Financial Position. $37k...
Money Mail 92 - The cost of travel for you
10 Feb 2022
Contributed by Lukas
On the weekend, I was giving someone a hand with their finances and we noticed something pretty alarming. The cost of petrol and parking for them was ...
What's Going On Out There?
07 Feb 2022
Contributed by Lukas
What’s going on? A quick summary of some of the thoughts I had over the long weekend when thinking about prices going up, debt levels, the economy a...
Money Mail 91 - I gambled $660k of people's money 😱
04 Feb 2022
Contributed by Lukas
If you haven’t bumped into my passion project ‘Boys Get Paid’, you might find this subject line very confusing. Two Saturdays ago we hosted an e...
Money Mail 90 - Are Your Assets Performing?
28 Jan 2022
Contributed by Lukas
From time to time, I will go through the assets that I own and I will question myself about whether they are performing. Buy and hold is a great simpl...
Money Mail 89 - [Activity] Analyse your life's costs
20 Jan 2022
Contributed by Lukas
Lately, we’ve been talking about prices going up and most people are probably just skimming past it thinking it doesn’t apply too much to them. I’...
Money Mail 88 - Your network is your net worth (apparently)
13 Jan 2022
Contributed by Lukas
Have you heard this saying before: ‘Your network is your net worth’? From what I have seen (as much as we might not like it), these sayings are ve...
KTC x Compound Wealth [Kickstart Kiwisaver 2022]
12 Jan 2022
Contributed by Lukas
Tuning in with Adam from Compound Wealth to find out what we need to be thinking about when it comes to Kiwisaver in 2022. Adam will run us through so...
Money Mail 87 - How my mate JUST became a millionaire
07 Jan 2022
Contributed by Lukas
Last week we were talking about the vehicle we are in and whether that is going to make it when it comes to taking us to our desired destination of fi...
(R18) What Life Events Have Shaped Your Thoughts On Money?
06 Jan 2022
Contributed by Lukas
A NY special podcast looking at where some of the things you believe about money came from. What major life events have shaped how you see the world a...
Money Mail 86 - Time for a new vehicle in 2022?
04 Jan 2022
Contributed by Lukas
Bring on 2022! I’m not talking about the car you’ve been thrasing for years Luke. I am talking about the vehicle that is taking you to your eventu...
How To Smash 2022 (Tactics I Used To Smash 2021)
28 Dec 2021
Contributed by Lukas
Hey 👋🏻 these are some practical things you can use to help you achieve your goals in 2022. I’ve tested these myself and can vouch for them. I ...
Money Mail 85 - A Xmas gift that could change NZ for ever
24 Dec 2021
Contributed by Lukas
This summer, when you see kids out on the street selling lemonade, fruits etc., then stop and reward them for their work. You never know who you will ...
Money Mail 84 - The 30% pay bracket is coming for many kiwis
17 Dec 2021
Contributed by Lukas
As we raise incomes in NZ, something else is happening...we are getting people closer and closer to a 30% tax bracket which kicks in from $48,000 of i...
The More Money Webinar
15 Dec 2021
Contributed by Lukas
Let's explore how we can make more money in 2022. How can we get back in control of our income when costs are creeping up on us?Check out the more mon...
Money Mail 83 - Huge pay cuts for a number of Kiwis in 2022
09 Dec 2021
Contributed by Lukas
The pay decrease - the increase in interest paid to the bank leading to less money left in the household for spending. Kiwis are obsessed with ‘lock...
Money Mail 82 - Will house prices really go down in 2022?
06 Dec 2021
Contributed by Lukas
Economists at three of the four largest banks see house prices dropping in 2022. The average value of NZ homes increased by $17,227 in November. The a...
The Importance of Month End
30 Nov 2021
Contributed by Lukas
Reminder: Have you been doing your month end process? Todays bonus episode is around month end and what you should be doing to set yourself up for suc...
Money Mail 81 - Is a term deposit your money?
28 Nov 2021
Contributed by Lukas
Ahh the ole term deposit. What are they? A term deposit is a type of deposit account usually held at a bank, where the money is locked up for a set pe...
A Q&A snippet on the economy & inflation with Grant Robertson
28 Nov 2021
Contributed by Lukas
We listen in to an interview with the finance minister Grant Robertson and try and decipher what he is talking about when it comes to inflation and ou...
Money Mail 80 - Aucklanders are freeee (to smile?)
21 Nov 2021
Contributed by Lukas
Well Aucklanders, how happy are you? You can finally get out of jail and get around the country.For some of you outside of Auckland, you are probably ...
Money Mail 79 - Moving a credit card to 0% interest
14 Nov 2021
Contributed by Lukas
This week we are going to carry on the theme of debt and have a look at using a credit card balance transfer. If used properly a balance transfer can ...
Money Mail 78 - To Pay Off My Student Loan?
08 Nov 2021
Contributed by Lukas
We've briefly spoke about how an interest-free student loan could be a good thing right now. Especially with inflation here. Many people with a studen...
Money Mail 77 - Inflation...the good, bad & the yucky
31 Oct 2021
Contributed by Lukas
Last year, we talked about how you and I were going to get taxed in the form of inflation and it is here, BIG TIME! Statistics NZ tells us that annual...
Money Mail 76 - 365 days on from my first bitcoin buy
25 Oct 2021
Contributed by Lukas
Today is exactly one year on since I made my first bitcoin purchase. The $3,300 is now worth $15,100. Pretty decent return, huh? An $11,800 unrealised...
Bitcoin Highs + Inflation + Auckland
19 Oct 2021
Contributed by Lukas
Bonus Episode! If you've been tapped in you would know inflation is likely to go up 5%. Luke jumps on a call with Mikey to break down what inflation i...
Money Mail 75 - Unclaimed Money...are you owed anything?
16 Oct 2021
Contributed by Lukas
Did you know: As at November 2019, there was an estimated $199 million of unclaimed money in the Crown’s accounts. Unclaimed money is money left unt...
Money Mail 74 - Eyeball your debt...look into it's soul
11 Oct 2021
Contributed by Lukas
Start by writing down all of your debt and eyeball it. Actually, come to terms with the debt that you have (this is why I suggest completing your fina...
Case Study: 'The debt stress is huge'
02 Oct 2021
Contributed by Lukas
We talk with a Keep The Change reader about their forms of debt and how they got into them. We go through some practical ways we could get back in con...
Money Mail 73 - I am looking for someone in a bit of debt
02 Oct 2021
Contributed by Lukas
Coming to you on this beautiful Level 3 Friday during mental health awareness week. Surely we’ve all had that feeling at some point in our lives whe...
Money Mail 72 - How big shocks sneak up on us
25 Sep 2021
Contributed by Lukas
There were huge concerns that an Evergrande property bust in China could cause a worldwide ripple impacting all markets. This has been brewing for mon...
Money Mail 70 - Need to claim your donations?
19 Sep 2021
Contributed by Lukas
It is estimated that roughly one billion dollars of unclaimed charitable donation rebates are sitting waiting for New Zealanders to claim them. We can...
KTC - Questions From Instagram
12 Sep 2021
Contributed by Lukas
We are going to look at some questions that came in via Instagram today and before answering them we are going to explore how we’ve been taught to a...
Money Mail 69 - The OCR - The ‘Official’ Cash Rate
10 Sep 2021
Contributed by Lukas
Recently, we looked at who the Reserve Bank are and this week we are going to look at one of the levers that they pull. Well, the Official Cash Rate o...
Money Mail 68 - So you want to buy a car?
03 Sep 2021
Contributed by Lukas
Us Kiwis love cars. I get it, I've had a few over the years. Usually I've not paid for these upfront either. I have used finance to buy them. Many of ...
Money Mail 67 - The TJ Perenara of banks?
26 Aug 2021
Contributed by Lukas
The Reserve Bank Of New Zealand. Who the hell are they? Their name suggests that they are the TJ Perenara of Halfbacks in New Zealand. Ready to step i...
Choices - Getting outside the system (Luke + Mikey)
24 Aug 2021
Contributed by Lukas
Mikey joins me to discuss the concept of breaking the cycle, making your own choices and getting outside of 'the system'.Taking responsibility for you...
Money Mail 66 - The problem parents have with low interest rates
22 Aug 2021
Contributed by Lukas
In this episode we are going to look at low interest rates (we first looked at this in week 3). Well, what’s the big problem with low interest rates...
Crypto - Who I've Used To Buy Coins (Luke & Mikey)
21 Aug 2021
Contributed by Lukas
Luke & Mikey sit down to answer the common questions of who we used to buy crypto currency’s and how you store it. Then we go deep into why we b...
Money Mail 65 - Getting stuck in a money rut - what to do
16 Aug 2021
Contributed by Lukas
We all get stuck in money ruts along the way. The key is to see it for what it is and then put it into perspective - is this a temporary rut or an on-...
Money Mail 64 - A freehold home by 25...but whats the catch?
11 Aug 2021
Contributed by Lukas
Imagine thinking it takes a lifetime to pay off and house and then doing it in your twenties? Doing things that we think are near on impossible can be...
Money Mail 63 - HOW the rich just got richer (& it's not their fault)
30 Jul 2021
Contributed by Lukas
The net worth of Kiwi households increased by around $417 billion in the 12 months to March 2021 🏡 (houses anyone?). This increase is nearly as muc...
Money Mail 62 - Buying Crypto For A One Year Old (On Purpose)
23 Jul 2021
Contributed by Lukas
One year on from setting up a little share portfolio for my nephew and its time to reinvest. Tune in to find out how far ahead he is from his initial ...
Money Mail 61 - $186,000 Profit From A House In One Year
20 Jul 2021
Contributed by Lukas
We look at how a rental property made more than 98% Kiwis in one year and no one has even lived in it yet. Crazy right. Then we dive into the tax on t...
Money Mail 60 - Are You Getting Paid What You Are Worth?
19 Jul 2021
Contributed by Lukas
Labour is at an all time shortage - we don't mean the political party either, we mean the supply of people who want to work. That means you need to kn...
Money Mail 59 - How A Phone+Pics(Yes Those Pics)=$12mil A Year
18 Jul 2021
Contributed by Lukas
Sending 'those' pics...what a way to make a living. BUT people are and all power to them. You do you. We then look at the worlds latest richest person...
Money Mail 58 - What Your Peers Reveal About Your Future
17 Jul 2021
Contributed by Lukas
Do your peers earn the same as you? How does that happen. People often say we are the sum of the 5 people we spend the most time with. We need to be c...
Money Mail 57 - NZ's New Tax Bracket
16 Jul 2021
Contributed by Lukas
New Zealand has a new tax bracket. Income over $180,000 will now be taxed at 39%. In this episode we work through some examples and explain how if you...
Money Mail 56 - Closed Mind, Closed To Opportunity?
15 Jul 2021
Contributed by Lukas
Is your closed mindedness stopping you from learning? We dig into the ability to stay neutral and not be triggered by things that we may not necessari...
Money Mail 55 - What Colour Air NZ Lollie Is Your Favourite?
14 Jul 2021
Contributed by Lukas
Is it the green one? In this episode we talk about 'self tax' and what that is. Paying money for things that you don't necessarily need but are happy ...
Money Mail 54 - The BOLD Change Missing From The Govt. Budget
13 Jul 2021
Contributed by Lukas
Tax deductible expenses for people who spend money on counselling, health and learning...wouldn't that be great? We look at the Government budget, wha...
Money Mail 53 - Is Buying A House A Waste Of Money?
12 Jul 2021
Contributed by Lukas
This week we look at some of the hidden costs when it comes to home ownership. So that we can be on the front foot and provide for those inevitable ex...
Money Mail 52 - [52] A Years Worth Of Money Mail...Whats Next?
11 Jul 2021
Contributed by Lukas
We made it...a whole year of Money Mail. When starting Money Mail, I didn't want it to be a flash in the pan so committed to a year of content before ...
Money Mail 51 - Is Renting Really A Waste Of Money? The Mortgage TRAP
08 Jul 2021
Contributed by Lukas
Oh so you rent...we've all heard it before, when people look down on those who rent. BUT is it all that bad? We take a look at some of the positives o...
Money Mail 50 - 1 House Into 2. Adding Houses. Adding Value. Making Bank
07 Jul 2021
Contributed by Lukas
How a property developer can turn one section into two and make money selling both properties. Tune in to find out how it can be done. Be sure to look...
Money Mail 49 - 'Simply The Best'...Or Is It?
06 Jul 2021
Contributed by Lukas
A quick check in after buying more cryptocurrency. The trap of chasing 'the best'. Don't let this thought process be the thing that stops you from tak...
Money Mail 48 - What A Quick $2billion Look Under The Carpet Looks Like
05 Jul 2021
Contributed by Lukas
560,000 Kiwis owe $1.9billion dollars to the Ministry Of Social Development. How is this even possible? We take a look under the carpet and see what w...
Money Mail 47 - Why The Side Hustle Webinar Flopped
04 Jul 2021
Contributed by Lukas
Just kidding, it went huge! We dig into the two hour webinar around side hustles and how you can find some resources to help you understand how a side...
Money Mail 46 -Happy New Year (kind of). Want more $?
02 Jul 2021
Contributed by Lukas
A new financial year. Us accountants get pretty excited at that time of the year. We look at tracking your net worth and why year end / month end is a...
Money Mail 45 - How A Mate Picked Up $30k In Fake Debt (In Under 2 Mins)
30 Jun 2021
Contributed by Lukas
How does debt end up in the system and what if it's not 'real'. How the hell does that work. We take a look at a person being out bid at an auction fo...
Money Mail 44 - What The Hell Is A Dividend?
29 Jun 2021
Contributed by Lukas
Dividends. Imputation credits. Withholding Tax. You name it, we break it down so that you can understand. A simple explanation of how dividends work a...
Money Mail 43 - Another Week Not Being An Influencer
28 Jun 2021
Contributed by Lukas
Ok so we made it on Seven Sharp for 4 seconds after using the $100 gift technique we learnt about many lessons ago. We touch on the TV debut and then ...
Money Mail 42 - What Its Like To Be An Influencer (Inside Scoop)
27 Jun 2021
Contributed by Lukas
Ever wanted to be an influencer? What's it like? Who knows so instead we get geeky and look at something more important for you - Dollar Cost Averagin...
Money Mail 41 - Who Wrote This Letter To Themself?
26 Jun 2021
Contributed by Lukas
A look at an amazing letter from a sporting legend who wrote to his 17 year old self about the down fall of being so giving to his family. A real tear...
Money Mail 40 - Whats The Word For Money That Creates Money?
25 Jun 2021
Contributed by Lukas
Compounding. What is it and why is it so important? Often described as the eighth wonder of the world. We take a look at how we can use the magic of c...
Money Mail 39 - Bit A Coin To Invest?
24 Jun 2021
Contributed by Lukas
We are back talking Bitcoin as Elon throws $1.5bil of Tesla's funds at it. We have a look at why he might have done something like this when it is sai...
Money Mail 38 - My Stock Pick That Cracked 100% In Under 12 Months
23 Jun 2021
Contributed by Lukas
To sell of hold? This week we look at trading vs investing and ways to think about investing if you are just getting started. You don't need to get ca...
Money Mail 37 - The Number One Thing To Invest In This Year...And Next
22 Jun 2021
Contributed by Lukas
Clue - it isn't a stock on the stock market. This investment is often overlooked by the masses but not by those who really know how to get a huge retu...
Money Mail 36 - The Most Common Email I Get
21 Jun 2021
Contributed by Lukas
Back at it with 'double tax' and explaining that there is no such thing.Tune in for a simple reminder of how secondary tax won't destroy your second j...
Money Mail 35 - Money Has NO Value, NONE At All
20 Jun 2021
Contributed by Lukas
Us humans love to complicate things and make them more complicated than they need to be. Like assigning value to money. How does it work and is money ...
Money Mail 34 - 'Stuff' the CEO's & Their Big Pay Packets
19 Jun 2021
Contributed by Lukas
We look at an article about how highly paid CEO's should have potenitally not been paid during the tough year that COVID brought us. What good can com...