Keep The Change
Episodes
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...
Money Mail 33 - The Only Resolution You Will Need
18 Jun 2021
Contributed by Lukas
Take action...of course. This was a lesson from a new calendar year. We talk about making a financial resolution for the new year and how taking actio...
Money Mail 32 - Christmas Day | Have A Good One
17 Jun 2021
Contributed by Lukas
Couldn't help but wish everyone a Merry Christmas so we took the opportunity to look at being grateful and thinking about the things that we do HAVE a...
Money Mail 31 - Over 6 In 10 Kiwis Live Week To Week
16 Jun 2021
Contributed by Lukas
Living paycheck to paycheck. How does it happen, why do so many people do it and how can we break the cycle? We take a look at the theory of saving fi...
Money Mail 30 - $100 Challenge [ONLY Open If A Nice Person]
15 Jun 2021
Contributed by Lukas
Can you give $100 to a complete stranger? How would that make you feel. This is the challenge (it doesn't have to be $100) that a number of readers an...
Money Mail 29 - The Xmas Tips Your Favourite Influencer Won't Give You
14 Jun 2021
Contributed by Lukas
Gifts, gifts and more gifts. Do people really need them? We take a look at different practical ways to re-think Christmas time and how we approach it....
Money Mail 28 - The Retirement 'hack' That No One Talks About
13 Jun 2021
Contributed by Lukas
Working huh. Maybe we continue to work once we get to the age that people think retirement kicks in. Today we do some math and explore what income str...
Money Mail 27 - The Exact Amount You Need To Retire
11 Jun 2021
Contributed by Lukas
Let's be honest we don't know when we will retire and what it will look like when we get there do we so it's hard to know exactly what we'll need. BUT...
Money Mail 26 - How You Can Get Sh!t Done
11 Jun 2021
Contributed by Lukas
A framework that successful people use to get plenty done. There is no reason why you can't copy it and use the exact same framework. If you are stuck...
Money Mail 25 - Who Really Wears The Money Pants?
08 Jun 2021
Contributed by Lukas
Lessons from starting a business where 85% of our customers were female. Our money backgrounds are all completely different so we should expect differ...
Money Mail 24 - Do These Two Words Scare Your Or Get You Excited?
07 Jun 2021
Contributed by Lukas
Housing Boom...we look at the housing market going absolutely nuts and stop to think about whether this is something we really want ourselves? What ar...
Money Mail 23 - Why Are People Buying Bitcoin?
03 Jun 2021
Contributed by Lukas
Bitcoin. The big B word. In this episode we look at money following attention (again) and how last week's episode tied into this. We touch on how and ...
Money Mail 22 - How An All Black Can Rig The Stockmarket (Legally)
02 Jun 2021
Contributed by Lukas
The title is clickbait of course but it is somewhat true. People with large amounts of attention can influence how much money flows toward something. ...
Money Mail 21 - Guaranteed 100% and 50% Gains
01 Jun 2021
Contributed by Lukas
Kiwisaver. Our first look at this big beast that is Kiwisaver. There is a lot of information online about Kiwisaver and we always suggest getting a go...
Money Mail 20 - You're About To Get Taxed
31 May 2021
Contributed by Lukas
Are taxes going to go up? For people earning over $180,000 there is a new tax bracket for you. That is only 2% of income earners. We look at whether t...
Money Mail 19 - Do You Know What Week It Is?
31 May 2021
Contributed by Lukas
Mental Health Awareness week. A very important week. Did you know that a very high percentage of people facing mental health challenges say that finan...
Money Mail 18 - Zero Of These People Make It To The Rich List
27 May 2021
Contributed by Lukas
We take a look at the traditional borrow mentality we get taught. Degree, payday to payday, phone, car, house, ring, boat. What if we borrowed someone...
Money Mail 17 - I Am Sick Of All These Stock 'Tips'
26 May 2021
Contributed by Lukas
Cannabis this, tech that, start up this, secret insight that. It goes on and on. Everyone has a stock tip at the moment and it's hard to know who to l...
Money Mail 16 - Get Your Hand Off It
25 May 2021
Contributed by Lukas
Yup you read that correctly. Get your hand off it. You've probably heard that a few times. It's you not touching your savings. More specifically your ...
Money Mail 15 - The Most Boring Gift Ever...
24 May 2021
Contributed by Lukas
The week I became an Uncle. Did I send my Sister a brilliant jumpsuit for my Nephew? Nope. He got a really boring gift the poor wee fella. But maybe, ...
Money Mail 14 - What Happens To A Bubble?
23 May 2021
Contributed by Lukas
Usually, they pop right? We take a look at the level of debt in the economy and how that works. Where does it all go and where did it all come from? F...
Money Mail 13 - How To Turn One House Into Two...Legally
20 May 2021
Contributed by Lukas
Leverage. The big L word that isn't Love but Kiwis Love. It's how many home owners buy a second home without paying any money down. Say what? Tune in ...
BONUS! Buckle Up The Economy Is Shaky | 100% Must Listen
20 May 2021
Contributed by Lukas
A bonus episode when it gets shaky out there in the economy and on the share market. What would it be like to avoid getting scared by the emotional up...
Money Mail 12 - Free Money 'everyone' Gets
20 May 2021
Contributed by Lukas
The pension. What is it and who can get it? We look at New Zealands favourite form of passive income in this episode. Is it enough to retire on? Find ...
BONUS! Turning $1k Into $200k | Discpline
20 May 2021
Contributed by Lukas
The ole 'back in the day' story when we bought A2 Milk shares for ten cents. Yup, ten cents. Unfortunately, we sold out early and didn't wait for them...
Money Mail 11 - REVEALED | Is Passive Income Real?
20 May 2021
Contributed by Lukas
Passive income; income that requires little to no effort to earn or maintain - sign me up! But beware, passive income streams still require a lot of h...
Money Mail 10 - More Money For You?
20 May 2021
Contributed by Lukas
In this episode, we discuss ways of generating more income besides asking for a pay rise. With 1 in 3 people having a side hustle is it the best way t...
Money Mail 9 - Two Jobs, Double Tax? WRONG!
20 May 2021
Contributed by Lukas
In this episode we are busting some tax myths! If you have ever turned down work because you're scared of secondary tax then this one is for you. Spoi...
Money Mail 8 - Sorry...But Do You Know My Ex?
20 May 2021
Contributed by Lukas
We've all had that one pesky ex that just won't leave us alone (Yikes!). In this episode, we discuss making the decision to cut all ties to being brok...
Money Mail 7 - Month End - The Process
20 May 2021
Contributed by Lukas
The month-end process shouldn't just be used by businesses! In this episode, we discuss how consistently implementing the month-end process of reviewi...
Money Mail 6 - Take Me To Tax School
20 May 2021
Contributed by Lukas
We're heading back to school to learn about tax! Unfortunately, this episode doesn't involve a lunch break. In this episode, we correct a common misco...
Money Mail 5 - Earning Six Figures
20 May 2021
Contributed by Lukas
Six figure income! The ultimate goal for many people, but only 1 in 10 kiwis actually make over $100k each year. Let's have a breakdown of what earnin...
Money Mail 4 - Average Kiwi Income
20 May 2021
Contributed by Lukas
In this episode, we get a breakdown of the average kiwi income and what that could look like if you were earning that amount. Spoiler alert: It's pret...
Money Mail 3 - To Save Or Not To Save?
20 May 2021
Contributed by Lukas
Now that you've done your budget and know how much you can afford to save, we are discussing if saving is worthwhile in the current climate. Low inter...
Money Mail 2 - Budgeting Is Boring?
19 May 2021
Contributed by Lukas
It's time to take some action... we're talking about budgets! Boring? Maybe. But, we promise that this 30-minute activity is something you won't regre...
Money Mail 1 - Intro | Rich A$$holes
18 May 2021
Contributed by Lukas
Welcome to the Keep The Change podcast! An audio deep dive into each of the Money Mail lessons. We kick things off with Luke sharing the story of how ...