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 good understanding of the basics. Kiwisaver gives us the option to take guaranteed 50% and 100% gains - we look at how. 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 fi...
Jun 01, 2021•9 min
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 this will be enough to pay down some of the debt that we have racked up as a nation. There is no point in hating on these high-income earners either - that doesn't help us. 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 Keepthecha...
May 31, 2021•17 min
Mental Health Awareness week. A very important week. Did you know that a very high percentage of people facing mental health challenges say that financial pressure makes their problems worse? We dive into what we can do to look after ourselves when it comes to finances and how we can look after others too. 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 r...
May 31, 2021•11 min
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 else's methodology? Who could be looking to for advice? First, we need to identify what things we want from life and then figure out the pathway to go on. 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 rec...
May 27, 2021•11 min
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 listen to or even if it's worth it. We look at Exchange Traded Funds and how they work. Keep it simple! 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 literac...
May 26, 2021•12 min
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 rainy day account that builds up to give you a level of confidence should an unexpected bill come out of nowhere. 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 financ...
May 25, 2021•13 min
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, just maybe this could be the gift that keeps on giving. Find out what we are talking about in this episode. 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 li...
May 24, 2021•11 min
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? Financial asset prices are bubbling and it's because there is so much money in the system. In this episode, we try and break down how that works in plain English anyone can understand. 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 23, 2021•26 min
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 to find out how to buy a second home using your first one. Then rent it out and have the tenants repay the debt and 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 Keepthechange.co.nz to receive our weekly lesson on mone...
May 20, 2021•13 min
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 ups and downs of a shaky market? We find out what we can listen to, to help us learn how to handle a stock downturn. 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 finan...
May 20, 2021•12 min
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 out when tuning in to this week's podcast. 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 some...
May 20, 2021•13 min
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 to crack $20 like others did. Find out why discipline and having an end goal is so important in this bonus episode. 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 fin...
May 20, 2021•12 min
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 hard work and effort to be put into place, lets chat about 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 Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and s...
May 20, 2021•10 min
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 to get ahead financially? 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 ...
May 20, 2021•14 min
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. Spoiler - there is no such thing as double tax. 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 som...
May 20, 2021•13 min
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 broke and start making decisions that is going to serve you and get you out of your current bad financial situation. 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 financi...
May 20, 2021•11 min
The month-end process shouldn't just be used by businesses! In this episode, we discuss how consistently implementing the month-end process of reviewing your assets, liabilities, and financial position will help you track your progress and get ahead financially. 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 financi...
May 20, 2021•14 min
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 misconception about tax and explain how the progressive tax scale works in New Zealand works. 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 ...
May 20, 2021•15 min
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 earning $100,000 could look like and discuss what mindset you should adopt regardless of the amount of income you earn. "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 finan...
May 20, 2021•13 min
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 pretty average! Would it be enough to make you happy or do you aspire to have more for yourself? Does aspiring to have more make you a greedy a$$hole? Let's chat about 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 Keepthechange...
May 20, 2021•12 min
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 interest rates, inflation, and building consistent habits are some of the topics covered in this episode. "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...
May 20, 2021•15 min
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 regret. Having a crack at our budget and financial position template (see Money Mail 2) is the first step to taking charge of your financial position and getting ahead. 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...
May 19, 2021•14 min
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 "Keep The Change" came to be and we start to challenge the status quo of negative money mindsets to get you thinking about how you view money. 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 week...
May 18, 2021•14 min
