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.
See Keepthechange.co.nz
FOLLOW ►
Instagram
https://www.instagram.com/keepthechange_nz/
Tik Tok + Facebook + LinkedIn
Check Out My Accounting Practice: www.nextadvisory.nz

Hosted on Acast. See acast.com/privacy for more information.

Last refreshed:
Follow this podcast in the Metacast mobile app to refresh it and see new episodes.
Download Metacast podcast app
Podcasts are better in Metacast mobile app
Don't just listen to podcasts. Learn from them with transcripts, summaries, and chapters for every episode. Skim, search, and bookmark insights. Learn more

Episodes

Money Mail 100 - Week 100 - the cost of running KTC

100 not out!!! We made it to episode 100. Thanks for learning. Today we look at the cost of running Keep The Change for the last financial year. Do you think this is a profitable venture for me or an investment into other peoples education? Tune in to find out 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...

Apr 08, 202218 min

Money Mail 99 - Who’s got all the cash?

Transaction accounts have increased in balance by around $25 billion since the start of the pandemic. Who has all of this cash and what are they planning on doing with it? For some of you who like to hustle, you have to understand that people are sitting on large amounts of cash that they can access (it’s not locked up in stock markets or term deposits, for instance). That means you can access it. Hey thanks for listening! Please take some form of action from this content, don’t just be a consum...

Mar 31, 202216 min

30 In 30 | 30. YOU Are Powerful As Fark So Who Stole Your Power?

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when I quit my job. For the 2022FY I will pay the IRD more tax than what my entire salary was when I left my job. Who would want to pay more tax? Tune in and find out my crazy logic. 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 Kee...

Mar 29, 202245 min

30 In 30 | 29. What Did I Miss? 35 High Level, Key Points

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when I quit my job. For the 2022FY I will pay the IRD more tax than what my entire salary was when I left my job. Who would want to pay more tax? Tune in and find out my crazy logic. 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 Kee...

Mar 28, 202239 min

30 In 30 | 28. Your Questions From These Lessons

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when I quit my job. For the 2022FY I will pay the IRD more tax than what my entire salary was when I left my job. Who would want to pay more tax? Tune in and find out my crazy logic. 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 Kee...

Mar 27, 202245 min

30 In 30 | 27. Visibility Is A Fake Metric For Success

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 26, 202226 min

30 In 30 | 26. My Step Dad Passes Away

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 25, 202228 min

Money Mail 98 - Achieving my weird goal

As I told you last week, it is nearly the end of the financial year and I recently realised that I will achieve one of the goals I set for myself when I quit my job. For the 2022FY I will pay the IRD more tax than what my entire salary was when I left my job. Who would want to pay more tax? Tune in and find out my crazy logic. 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 Kee...

Mar 24, 202213 min

30 In 30 | 25. Why I Rent (Listen With Open Mind)

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 24, 202223 min

30 In 30 | 24. The Top Tax Bracket (39% Tax 🤯)

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 23, 202233 min

30 In 30 | 23. The 'Buying Fancy Sh!t' Trap

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 happened for me have shaped the way I think today. Enjoy and go well. 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 Keephechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media a...

Mar 22, 202220 min

30 In 30 | 22. Stag Do & Friends Share Groups

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 21, 202215 min

30 In 30 | 21. Spending To Get Time Back

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 20, 202227 min

30 In 30 | 20. Giving | Why I Think Giving Is Important

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 happened for me have shaped the way I think today. Enjoy and go well. 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 Keetphechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media ...

Mar 19, 202224 min

30 In 30 | 19. Commit & Then Figure It Out

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 18, 202232 min

Money Mail 97 - Investing? Need to consider taxes?

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 and any gains the seller gets on the share sale are non-taxable income (as long as the shares were held with the intention of a long-term investment). But what about dividends? Chances are the IRD already know about some of these. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer...

Mar 17, 202219 min

30 In 30 | 18. A New Money Mindset

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 17, 202223 min

30 In 30 | 17. Building An Emergency Fund

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 16, 202215 min

30 In 30 | 16. Stacking 6 Figures ($100k) | Why I Did This

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 15, 202233 min

30 In 30 | 15. Saving 40% Of Your Income (WTF, How?)

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 14, 202225 min

30 In 30 | 14. Buying A Flash Car (A Waste Of Money?)

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 happened for me have shaped the way I think today. Enjoy and go well. 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 a...

Mar 13, 202233 min

30 In 30 | 13. Investing In Yourself (Why?)

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 happened for me have shaped the way I think today. Enjoy and go well. 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 a...

Mar 12, 202241 min

30 In 30 | 12. Being Broke & Living Rent Free House Sitting

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 11, 202233 min

Money Mail 96 - One for the ladies

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 my assumption was that this would be because women take less risk, so are probably more likely to be in conservative funds. Anyway, I didn’t want to just assume all ladies are risk-averse, as a lovely lady (my Mother) taught me that assumption is the Mother of all stuff ups. So let's find out... Hey thanks for listening! Please take some form of act...

Mar 11, 202220 min

30 In 30 | 11. Quitting My Job

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 10, 202229 min

30 In 30 | 10. Breakups, Bad Choices, Death (Warning: Heavy Content)

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 09, 202218 min

30 In 30 | 9. Buying Shares (The A2 Milk Story)

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 08, 202220 min

30 In 30 | 8. Trying Travel & Trying To Remember Vegas

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 07, 202221 min

30 In 30 | 7. Selling A House (WORST financial decision?)

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 06, 202217 min

30 In 30 | 6. Pissing Away My 20's

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 happened for me have shaped the way I think today. Enjoy and go well. 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 ...

Mar 05, 202219 min
For the best experience, listen in Metacast app for iOS or Android