Put simply: this is a buyer’s market, and it’s looking even colder in winter. Will prices keep falling? Will FOMO return? Will interest rates spark another surge? Maybe. Maybe not. I don’t know, but I can't see where the demand will come from. Here's my case for why housing will be flat for another 12 months. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz t...
Jul 25, 2025•39 min
The property market has been flat for some time and many people are hurting with the fact that they bought poorly in the peak. Tama is seeing this frustration in his DM’s. In this episode, we sit down with Tama Singh , a Kiwi property coach with over 200 deals done. This is his third time on the podcast so we find out whats changed, how many flips he has done and what he is seeing in the market. We talk strategy, mindset, weakness, AI content, and how everyday Kiwis are still flipping, investing...
Jul 23, 2025•1 hr 3 min
Maybe, like me, you’ll decide that if the current system isn’t enough, it’s time to take matters into your own hands. From there, if you feel strongly enough about this, campaign for further change too. Put your own bloody life jacket on first. I get it, the economy is tough and the cost of living sucks, but there will always be something demanding your dollars. It’s not about perfect timing. It’s about progress. Let's get it done! Hey thanks for listening! Please take some form of action from t...
Jul 20, 2025•37 min
I sit down with my Mum to unpack the money lessons that shaped her (and maybe me!), personally and financially. I learn plenty including a surprise that she manages 11 bank accounts and I ask her why! From childhood jobs and frugal habits to navigating tough times and celebrating financial wins, Mum shares the stories, values, and moments that defined her relationship with money. We look at how I’ve adopted some of these and put my own spin on them. We dive into some sage Baby Boomer advice and ...
Jul 16, 2025•1 hr 31 min
Note: this is the same podcast we recently released, but without the swearing bleeped out due to popular request Strap yourself in because today we sit down with mental performance coach David Niethe, author of the book The Winning Mindset. Weightlifters, Lydia Ko, Israel Adesanya, Olympians, Millionaires - just a sample of Dave’s clientele. Together, we explore how the same mental tools used by elite athletes and performers can be applied to our lives and finances. From overcoming self-doubt to...
Jul 11, 2025•1 hr 11 min
It’s often said with confidence, like ‘duhhh how do you not know this?’. But where did this saying come from and does it even make sense anymore? I get it, it sounds comforting. Sensible. Even savvy. Like you’ve got it all figured out. But it's another financial throwaway line that hides a much harder truth: owning a home doesn’t guarantee financial security in retirement. Let's get real for a second and see how sound this saying is. Hey thanks for listening! Please take some form of action from...
Jul 10, 2025•28 min
Paul Quickenden, Chief Commercial Officer at Easy Crypto is back on the podcast and we explore the dynamic world of cryptocurrency in 2025. Easy Crypto recently sold too so we will find out what that is about and where to next. We delve into: Bitcoin's Evolution: is Bitcoin transitioning from a volatile asset to a more stable investment option, potentially becoming the 'new boring' in the investment landscape? Other Crypto Options: The rise and impact of meme coins, and what they signify for the...
Jul 09, 2025•1 hr 8 min
Strap yourself in because today we sit down with mental performance coach David Niethe , author of the book The Winning Mindset . Weightlifters, Lydia Ko, Israel Adesanya, Olympians, Millionaires - just a sample of Dave’s clientele. Together, we explore how the same mental tools used by elite athletes and performers can be applied to our lives and finances. From overcoming self-doubt to building discipline with your dollars, this episode dives into the psychology of success, not just on the fiel...
Jul 08, 2025•1 hr 11 min
An Instagram live with Mikey to brainstorm some ways to make more money and what gets in our way when really it is so much simpler than we realise. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. To...
Jul 06, 2025•1 hr 2 min
I had many hard working roles when I grew up. BUT I noticed something…if I did overtime or worked public holidays, I’d earn 1.5x or 2x. That got me thinking: why am I suddenly worth double for doing the same job? Eventually, I learned something that changed my life: you’re not paid for the hour, you’re paid for the value you bring to the hour. That’s a confronting idea and we need to explore it. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer...
Jul 04, 2025•44 min
Some Kiwis are waking up to a different way to build their property portfolio: rent-vesting. Blasphemy you say? Or maybe just a fad? In this episode, Ilse joins us to unpack how renting where you want to live and investing where the numbers make sense can supercharge your wealth without sacrificing lifestyle. We dive into: – How to use location arbitrage to your advantage – Adding value in a market with no capital growth – Ways to maintain borrowing power and scale strategically – What she is se...
Jul 02, 2025•50 min
We are asked so many questions about peoples complicated scenarios and it is very clear that the answer is to make more money. So why do we pussy foot around this conversation in NZ? Why are we lying to people and not telling them the truth that they need to earn more? What if we looked at making more money as a new language? Let’s dig in. This podcast features Mikey Smith of https://guardiansmith.co.nz I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Sche...
Jul 02, 2025•1 hr 6 min
We are all familiar with the saying Keeping Up With The Joneses. BUT there’s been a BIG change. The Joneses got rich. And you know what they are doing with it? They started passing it on. The bank of Mum and Dad is now said to be the 5th biggest lender in New Zealand. And here you are. No Mr or Mrs Jones backing your big moves. But unfortunately, here you also are: comparing yourself to your mates who have had the benefit of the bank of Mum and Dad. Let's explore the danger of this comparison. H...
Jun 27, 2025•33 min
Stuck at the top of the teaching pay scale, stretched with a young family, and watching inflation outpace his income, Fraser Kilgour made a bold move. He left his secure government job to jump into the world of real estate. Backed by nothing more than a strong work ethic, an amazing wife, a leveraged property portfolio, and a desire for more. In this episode, Fraser shares: What it’s like to walk away from a “safe” career The mindset shift needed to pursue higher income How he navigated the earl...
Jun 25, 2025•56 min
WTF are 'green shoots' that we keep hearing about? It seems like the latest catchy economic term. Green shoots are defined as ‘signs of recovery or growth’. I like the idea of better days coming. I love the idea of ensuring that better days are coming. I recently saw a line about how Kiwi are...‘’looking for green shoots to build confidence…’’. Well, I went looking for some, and I found some for you. Hey thanks for listening! Please take some form of action from this content, don’t just be a con...
Jun 20, 2025•38 min
We take a big-picture look at the New Zealand property market and where things might be heading in 2025. Are prices set to rise again or are people just hopeful? We explore where property sits in the wider economic cycle, what trends are emerging, and how AI, robots and technology could reshape how we view the value of property in the future. If you’re investing, waiting, or just curious, this one’s for you. This podcast features Mikey Smith of https://guardiansmith.co.nz I have a goal to help 1...
Jun 18, 2025•1 hr 10 min
You've probably seen the headlines: "AI set to take hundreds of thousands of jobs!" I saw a tech CEO say 1 in 2 entry level jobs could disappear, and we could see 10% to 20% unemployment due to AI. I am certainly starting to hear more about this in my DMs too. While the disruption is real, and I accept that, so is our ability to prepare financially. I put my brain to it and came up with some practical steps to "AI-proof" your financial future: Hey thanks for listening! Please take some form of a...
Jun 16, 2025•31 min
We are about to find out because today on the podcast, we’ve got an incredible guest who turned a tiny idea into a huge business…all before turning 23! When Iyia Liu was 21, she bought something cool online called a waist trainer it's and thought, “Hey, if I like this, maybe other girls will too!” So she used her savings (just $6,000) to buy a few and sell them online. At first, she just hoped to sell ten a week. But her idea exploded. In just one year, Iyia sold over $3.5 million worth of waist...
Jun 11, 2025•1 hr 11 min
The ‘paying their fair share’ slogan is a goodie as no one can define ‘fair share’. Anyway, interestingly, I overheard a story where a pensioner receiving superannuation had a flatmate in their sleep-out (not a boarder, but they’ll probably see it as a boarder (different tax rules) and they ask to be paid that rent in cash. Why would they do this? My mind went to probably avoiding declaring it and therefore paying tax on it. Many everyday Kiwi cheekily bend the rules too. Sometimes it’s intentio...
Jun 09, 2025•51 min
This podcast was first released in December 2023 and has been an all-time favorite podcast from the audience. If you missed it, this could be worth tuning into. Mikey comes in all guns blazing around why everybody needs to experience the hunting season, and no we ain't talking about knocking over a couple of deers or goats. In this podcast we will explore what a hinting season is and how 18-36 months of your time could change your life projection. Hey thanks for listening! Please take some form ...
Jun 08, 2025•37 min
He’s back! We finally tracked him down and ask him what he is seeing out there. In this episode, Mikey Smith (mortgage advisor & CEO of Guardian Smith) joins us to unpack the current state of the New Zealand economy. We dive into the key changes from the recent Budget, what’s happening in the mortgage and housing market, and the bigger picture of where we’re at in the economic cycle. Are we past the worst of it? Could things start to pick up in late 2025? We bloody well hope so! Get real ins...
Jun 04, 2025•1 hr 16 min
5 years ago I went live on Instagram warning people about what 'free' money could mean. 5 Years on I go live to share what I think we've seen happen. New Zealand's economy has fundamentally changed and won't revert to how things were. In this video, we explore how to adjust to these economic shifts, emphasizing the importance of controlling your own income. We discuss the current economic climate, the impact of inflation and rising property prices, and practical strategies to increase your earni...
Jun 02, 2025•46 min
Last year, I said the new government was going to have a hard time balancing the books. Why? Because they always do. Fast-forward to Budget 2025, and the numbers are in as are some major changes. Let’s breakdown a couple of the goodies….KiwiSaver changes: FINALLY! A push to save more. Investment Boost: telling businesses to 'get on with it'. What does this all mean for you? Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! M...
May 29, 2025•50 min
Ever wondered how to juggle running a thriving 7-figure business, elite-level sport, and family life all at once? That’s above my pay grade but not this guests. Meet Janelle Cavanagh from Withers & Co. business owner, sub-4-hour marathoner, MVP of the 2019 Touch Rugby World Cup, and proud member of Canterbury Touch’s “Legend Club”. Beyond the accolades, Janelle is also a dedicated mother of a 3-year-old boy and stepmother of two teenage girls. In this candid conversation, Janelle opens up ab...
May 28, 2025•59 min
The first edition went out on the 22nd of May 2020. 201 of you signed up. Mostly my mates or people I know. Today, it is quite surreal to say that tens of thousands of people read and listen each week across email, podcast and socials. That’s 260+ weeks of showing up. Of writing. Of thinking. Of reminding you (and myself) that we can take control of our finances, our thinking, and our future. So where to from here? Hey thanks for listening! Please take some form of action from this content, don’...
May 26, 2025•32 min
He’s Helped 2,500 builders Achieve Financial Freedom & Control with Marti Amos Ever wondered why some builders thrive while others constantly struggle with stress, finances, and chaos? In this episode, we’re joined by Marti Amos, founder of The Professional Builder (TPB), a global coaching company dedicated to transforming residential builders into profitable, systemised businesses. Marti shares his own incredible journey from humble beginnings on Stewart Island, through multiple businesses,...
May 21, 2025•1 hr 10 min
I ended up venturing into a large department store for the first time in ages. DIY and home improvement aren’t exactly my forte, so I don’t have too much reason to go into these stores. But walking into that store was an eye-opener. I was blown away by the sheer volume of things you could buy for your home. I started jotting down some of the wildest items I saw, but you probably already know Luke and to save you the punishment, my two favourites were hot water bottles for your neck and ribs (ide...
May 19, 2025•30 min
Shula Newland is the founder of FULL Balance Financial Coaching and we sit down to unpack what true financial empowerment looks like. Shula’s journey to independent financial coach started with a knack for saving and a desire to help others take control of their money. Now, she’s helped over a thousand Kiwi reduce debt, build savings, and take back control of their financial future without selling a single product. We talk practical budgeting, financial hardship, debt stress, how to plan for lif...
May 14, 2025•1 hr 5 min
May 2025 marks 20 years since I purchased my first share. I was fortunate enough to start learning about the stock market at high school. At 16 I got Mum to co-approve a share account for me and bought my first stocks. I bought 520 Auckland International Airport shares for $1.94. Here's what I have seen and learnt in that 20 years. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail vi...
May 12, 2025•57 min
At just 13, Max Tebbs started cleaning cars to fundraise for refugees. Today, the 18year old runs Clean Car Collective , Wellington’s leading car detailing business with a full studio, mobile fleet, and over 125 five-star reviews. In this episode, Max shares how he turned a side hustle into a thriving company (including signing a lease at 17) and how he’s balancing business growth with his personal journey toward financial independence. Max’s story is a great reminder that you don’t need to wait...
May 07, 2025•1 hr 23 min
