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

The $10k Project with Jamie (Episode One)

Jamie is the winner of our $10k investment into someones idea. This is our first catch up with Jamie to help her figure out how to turn this side hustle into a business. Tune in and follow her progress as well as what you can learn from 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 clos...

Oct 25, 202249 min

Small Pond, Big Fish (NZ Advantage) w Mikey Smith

Remember that a lot of people will be too scared to put the heads up above the clouds and if you are brave enough to do it you can get yourself a further down the path in your chosen area in New Zealand. 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 thi...

Oct 22, 202235 min

Money Mail 128 - More inflation, more interest rate rises

This week the Reserve bank undercooked their forecast for inflation and it came in at 7.2%. Even bank economists were off the mark - but are we surprised? There had been chat about inflation cooling but we only saw a 0.1% drop from the prior quarter. Remember that inflation is going to be here for some time, so we need to understand it and keep an eye on the impact on it for ourselves personally. Hey thanks for listening! Please take some form of action from this content, don’t just be a consume...

Oct 21, 202224 min

4 Things To Invest In Right Now w Mikey Smith

Have a think about these four things and whether you could be investing in them whilst all markets seem to be going backwards all around the world. 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...

Oct 20, 202232 min

Money Mail 127 - More of your pay gone before you get it?

Some time ago, I mentioned an insurance scheme that the government is looking to introduce. This was an announcement quite some time ago (Budget 2021) and is still not yet confirmed. BUT the hunch is that it will become something because it’s a pretty good legacy for a government in power to leave. So what the hell is 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 Keepthec...

Oct 20, 202225 min

How Far Will Housing REALLY Collapse? w Mikey Smith

New inflation data in today means that interest rates could go up even higher. What does this mean for all markets including your favourite the housing market? 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 w...

Oct 18, 202249 min

Mikey Says ''Break These 7 Society Rules''

Mikey takes us through the 7 society rules that he thinks we should throw in the bin. Tune in and unlearn what you may not believe. Let us know what you think. 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 w...

Oct 17, 202231 min

Do One Extra, Each Year w Mikey Smith

This is the concept of picking one thing each year that you can add to your skillset. Mikey explains it and Luke reveals his one thing for 2023 and beyond. 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 ...

Oct 15, 202232 min

Your Questions Answered [Part 4] w Mikey Smith

In this episode we look at listener feedback to our recent podcast about ‘fark paying someone else’s mortgage’ plus a couple of other questions. This is the concept of picking one thing each year that you can add to your skillset. Mikey explains it and Luke reveals his one thing for 2023 and beyond. Hosted on Acast. See acast.com/privacy for more information.

Oct 13, 202219 min

Luke Buys A Tesla Without Driving It w Mikey Smith

Ever bought a car in 15mins? Luke has. And this led to him having no idea where to pick it up from. This is a podcast about decision making and slowing down to speed up. 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...

Oct 11, 202236 min

Money Mail 126 - My own dirty secrets revealed (Productivity Rd2)

If time is money, is money time? How can we put more time back into our lives? Here are some more of the ways I have put time back into my day in order to spend that time on the things I want to do. I hope they get you thinking. Remember: you do you, these are IDEAS. 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...

Oct 09, 202253 min

Mikey Goes To Singapore - What Did He Learn?

Mikey takes us through his so called ‘holiday’ where he tries to figure out what makes Singapore tick. This is an insight into Mikey’s brain, 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 literacy. Stay close to us on social media and share this with someone that you think this content will help. To...

Oct 08, 202230 min

Millionaire at 23. Broke at 25. Story of Simon Phillips

Simon Phillips from The Magnitude Group stops by to give us insights into scaling up a million dollar ecom business. He also gives us insight into his journey along the way and chats about the training course he created for anyone to be able to improve their e-commerce and digital marketing knowledge. 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 receiv...

Oct 07, 20221 hr 9 min

Money Mail 125 - The dirty Kiwi secret we can't ignore

New Zealanders work about 10% more hours per person than workers in the average OECD economy. Kiwis also produce about 20% less output than workers in the average OECD economy. Unfortunately, this is part of why average incomes and wealth in NZ are both significantly below the OECD average. So what can we do about it? Don't be like other Kiwis is a good starting point! Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make s...

Oct 06, 202218 min

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

Luke and Mikey sit down to discuss whether or not you can still get a mortgage in the current climate (September 2022). 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. Together we can collectively i...

Oct 05, 202224 min

$500 to $100mil | The Story of Izzy Whitley (Aotearoa Labour Hire)

Luke sits down with Izzy Whitley from Aotearoa Labour Hireto to discuss his six years in business and his goal to turn over $100 million a year. Tune into this inspiring hour of his lessons. 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 someon...

Oct 04, 20221 hr 5 min

Travel - Worthwhile or A Waste? w Mikey Smith

Mikey and Luke are asked for their thoughts on travel and whether it is 'worth it' or not? Of course this is different for everyone but here are some things you may not have thought about. 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 ...

Oct 02, 202222 min

'Fark Paying Someone Else's Mortgage' is flawed thinking w Mikey Smith

The video Luke was too scared to post. Luke and Mikey discuss the concept you always see on social media 'fook paying someone else's mortgage'. Luke thinks this is 'limited' thinking and can take you down a wrong path if you don't be careful of when to apply it. See what you think 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 o...

Sep 30, 202221 min

(You Have All You Need To Start) Less Thinking, More Doing w Mikey Smith

Mikey and Luke try to unpack for you the theory that you just need to start and figure it out as you go. You have what you need to start, you become the person you need to be to achieve what it is you want to achieve. Just start!!! 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 o...

Sep 28, 202231 min

Money Mail 124 - The Super NZ Fund

This week we take a look at how the government are preparing the country for the cost of retirement and what we can learn from this too. It's a long game and we need to be thinking about it. You'll learn how much the govt have invested in a giant fund to generate returns to offset the cost of kiwis retiring. 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...

Sep 27, 202220 min

Working On Super Yachts (Ultimate OE) w Hamish Taylor

Hamish Taylor from Yachties Of NZ sits down to tell us about a different way to live abroad. Hear some tales from his travels as well as HOW to get into the industry. 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 co...

Sep 26, 202248 min

Your Questions Answered (Part 3)

Mikey and Luke sit down to answer another batch of questions you have asked via the Q & A link at the bottom of the email. 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. Together we can collect...

Sep 26, 202222 min

Dress For Success?

We touch on the touchy subject of how you need to dress in this day and age if you are overthinking 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 collectively improve the financ...

Sep 24, 202222 min

Dear 20 Year Old Kiwis

We sit down to look at the advice we would give to ourselves if we were 20 again. This might speak to a number of you out there at this age. 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. Together ...

Sep 22, 202251 min

$10k Applications Close Friday

On Friday we will be closing up our applications for the $10,000 investment into your side hustle or business idea. Tune in to get some background on some of the ones that have come through so far. 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...

Sep 20, 202232 min

The NZ Rich List w Mikey Smith

We sit down to have a look at who is on the rich list with residential property as everyone believes in New Zealand that property is how you get rich. See what you can learn from these people and explore this with an open mind. 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 so...

Sep 20, 202220 min

Money Mail 123 - Are kiwis too broke to retire?

My old university (Massey) put out a report about how pensioners trying to survive on superannuation alone were finding it near impossible to make ends meet. Let's look at some of the findings from the report. 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 shar...

Sep 18, 202228 min

3 Stages Of Your Financial Journey w Mikey Smith

The three stages that everyone will go through. You can use this to help figure out where you're at and we will be expanding on this by providing more content 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 ...

Sep 18, 202233 min

Your Questions Answered w Mikey Smith (Part 2)

Mikey and Luke sit down to answer two of your questions before we get interrupted by Uber eats so check those out and see what you can learn. 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 ...

Sep 17, 202212 min

Sell A Business Tax Free w Mikey Smith

Do you know that if you sell a business you shouldn't get taxed on this? We explain why and how you can think about this in terms of your side hustle. 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....

Sep 15, 202220 min
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