Keep The Change - podcast cover

Keep The Change

Keep The Change - improving Kiwis financial literacy. Ever wanted to learn more about money, the economy, finances and how to have a better financial life? Now you can. This is one of New Zealand's leading financial learning podcasts. I (Luke) wanted to share insights from my life, my role as a Chartered Accountant with successful and failing clients as well as a look at all of the dumb sh!t I have done along the way too. There is also a read of the weekly 'Money Mail' lesson. Please take action :) You can subscribe to the weekly Money Mail lessons that come out at 9am every Friday.
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Episodes

Quiet Quitting | Loud Losing w Mikey Smith

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 people if they get trapped in this way of living. 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 Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with...

Sep 13, 202226 min

The Queen Has Left Us :( w Mikey Smith

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 on how this impacts so many people. 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 Keethechange.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...

Sep 12, 202217 min

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

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 income and right now we need to as inflation is rampant. Tune in to learn why you need to target this and how you can get closer to it. 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 Keethechange.co.nz to receive our weekly less...

Sep 10, 202229 min

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

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 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 Keethechange.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. Together we can co...

Sep 09, 202215 min

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

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 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 Keethechange.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. Together we can coll...

Sep 06, 202239 min

Your Questions Answered w Mikey Smith (Part 1)

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! 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 Keethechange.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. Together we can collectively im...

Sep 05, 202259 min

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

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 practical goals I want you to achieve before Xmas. Tune in to learn what they are and how you can do it. 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 Keethechange.co.nz to receive our weekly lesson on money and financial literac...

Sep 04, 202224 min

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

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 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 Keethechange.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. Toge...

Sep 03, 202233 min

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

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 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 Keethechange.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. Togeth...

Sep 01, 202239 min

The value equation w Mikey Smith

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 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 Keethechange.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. Together we can collectively improve...

Aug 30, 202233 min

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

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. 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 Keethechange.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. Tog...

Aug 28, 202216 min

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

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 continue to get crushed. I am going to show you how you can help yourself and make some extra income. Don't delegate this responsibility to the govt or employer. 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 Keethechange.co.nz ...

Aug 28, 202236 min

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

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 had no clients, no revenue, but we did have a relentless desire to make it happen. We are now 5 years on, tune in to hear how it went. 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 Keethechange.co.nz to receive our weekly lesson ...

Aug 19, 202239 min

Money Mail 118 - A Finance App For Our Children

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 this but hadn’t spoken to anyone who had used it. The app is a kiwi app called SquareOne that is helping bridge the gap between financial literacy and illiteracy. 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 Keethechange.co.nz to...

Aug 12, 202224 min

Is University A Waste Of Money? w Mikey Smith

Luke and Mikey tackle the conversation that universities are scared to have around whether their degrees actually have any value for people. If you are considering going to uni this will have something you should be thinking about while you are there. Enjoy. 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 Keethechange.co.nz to receive our weekly lesson on money and financial li...

Aug 09, 202251 min

117 - 75 Hard For Your Finances?

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 transformation. They are at point A and want to go to point B. Everyone’s points A’s and B’s are different. Can we apply it to our finances with a circuit breaker approach? 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 Keethechange...

Aug 09, 202220 min

Being Triggered By My Videos / Reels w Mikey Smith

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 triggering the reels that have been posted by a keep the change. 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 Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share...

Aug 08, 202230 min

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

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 months in history for people taking a mortgage and we ask Mikey about this. 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 Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social ...

Aug 07, 202230 min

The Cost Of Living Payment Balls Up w Mikey Smith

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 whether it could have been avoided? 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 Keethechange.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...

Aug 07, 202245 min

How’s Your KiwiSaver Going? w Adam Stewart

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 their KiwiSaver. Find Adam's fact finder here: https://www.compoundwealth.co.nz/kiwisaver-fact-find 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 Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay...

Aug 04, 202234 min

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

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, I think, over time, will have an impact on the value of houses. Tune in to hear about what some of those changes have been. 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 Keethechange.co.nz to receive our weekly lesson on money ...

Jul 28, 202224 min

The Lads Watch Elvis w Mikey Smith

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 film yourself. 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 Keethechange.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 conte...

Jul 28, 202224 min

Does race really matter? w Lennie Brooky

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 environment impacts this. 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 Keethechange.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...

Jul 27, 202248 min

The Govt Has No Money w Mikey Smith

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 it coming from. 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 Keethechange.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 cont...

Jul 26, 202227 min

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

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 over time. 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 Keethechange.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 ...

Jul 24, 202229 min

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

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 look at what could be really smart to do with this money rather than just spending the lot! 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 Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close t...

Jul 24, 202222 min

Dissecting Clips Pre Pandemic & Mid Pandemic w Mikey Smith

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 about leading into the pandemic and halfway through the pandemic. They give their thoughts on what happened during that time in the economy. 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 Keethechange.co.nz to receive our weekly les...

Jul 19, 202257 min

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

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 Zealand. Luke also touches on hiring offshore staff. 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 Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with s...

Jul 17, 202231 min

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

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 we look at a resource to help us decrease expenses. 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 Keethechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this wi...

Jul 17, 202219 min

WTF Is Inversion Thinking? w Mikey Smith

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 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 Keethechange.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. Together we can collect...

Jul 14, 202215 min
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