Last week we discussed the fact that the economy is highly likely to now be in a recession. There is no ‘growth’ and it is contracting. I’ve seen social media comments about the economy going backward and that means that people feel less hope about their future. My question is, did you measure yours? Yeah, your economy? That’s a great economy to be more concerned with. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make s...
Apr 15, 2023•16 min
Scotty from SMProperty.co.nz joins us to tell us about how he helps first home buyers get on the property ladder and he also takes us through his journey going from 0 to 10 properties and the ups and downs along the way. 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 me...
Apr 12, 2023•1 hr 11 min
Have you ever wondered what happens when you separate from a relationship in terms of your finance? Today we speak to a experienced divorce lawyer about contracting out agreement relationship property and all things that we should be thinking about when in relationships. You do not want to miss this one. 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...
Apr 10, 2023•50 min
Oh my god the reserve bank just increase the OCR for the 11th straight time. Mikey and Luke sit down to figure out exactly what this means and if we should be freaking out or if this is just business as usual. Don't miss this one. 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...
Apr 06, 2023•46 min
Will it replace the pension? Will the government take it off of us? Will it lead to a NZ infrastructure boom? Luke & Rupert (Kōura Wealth) sit down to talk about the way Kiwisaver is heading and what we might be able to expect from it over the next 40 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 via Keepthechange.co.nz to receive our weekly lesson on money and financi...
Apr 05, 2023•45 min
You heard what we do if we won $20 million on lotto, now it's time to find out what the Keep The Change readers would do. We asked on Instagram and here are everybody's answers. Hint: A lot of you would pay down your mortgage and clear your family debt. Get stuck in. 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...
Apr 03, 2023•23 min
At this time of the year I like to sit down and compare where I am now to where I was 12 months ago. I'll explain exactly how I do this and why the month end process is so important to do this as well as use this as a time to think about where you've come from and where you're heading to next. 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 we...
Apr 02, 2023•38 min
In March Stats NZ told is that Gross domestic product (GDP) fell 0.6% in the December 2022 quarter. This means we are 1/2 way to a recession. Or maybe we are the whole way? A technical recession is 2 quarters of negative growth. 1 down, 1 to come. The second quarter is March 2022 which actually finishes today. Guess what? We won’t get that data until June. 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 su...
Apr 01, 2023•30 min
We run you through the hypothetical situation that we win $20 million and take you through the exact steps we would take, what will be thinking about, and maybe even what toys we would buy. 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...
Mar 29, 2023•39 min
Mikey is one of the best mortgage advisors in the country and has numerous awards. He sits down to tell us the exact process he takes his clients through when it comes to getting a mortgage. This will help you if this is something that you are looking to do in the following 24 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 to receive our weekly less...
Mar 27, 2023•34 min
Turns out, working from home IS a thing and often employee's pay costs associated with this. During the cerveza sickness, the IRD increased the tax free allowance when working from home (because so many people were). Basically, employees can receive a tax free allowance each week, to cover any additional costs associated with working away from the office. I.e. power, telephone, internet usage or printing. NOTE: this is paid by their employer IF THEY WANT TO, it is not an obligation. Let's find o...
Mar 24, 2023•21 min
Luke sits down with Rupert Carylon to discuss how Kōura Wealth have changed the Kiwisaver game with a more personalised approach. We talk about why they did this and the biggest mistakes kiwis are making right now in this space. 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 s...
Mar 22, 2023•40 min
The number of people struggling financially is really starting to increase. Nearly 12% of Kiwis are currently behind on their debt repayments: personal loans, credit cards, BNPL etc. For some reason, it can be really hard for us Kiwis to ask for help. It seems to be something we’ve mastered - not asking for help. A lot of people will feel helpless or even embarrassed about their debt levels, so they will simply bury their heads in the sand. We know deep down that this isn’t a solution. So here i...
Mar 21, 2023•41 min
This is a listener request about how it is important to dress for your audience and dress for success, do you believe this? We all have different thoughts about this and we dive into it 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 receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someon...
Mar 20, 2023•34 min
Luke joins the Cheques & Balances crew to look at an example where property isn’t the right solution. This is the story of an actual client and the advice they were given. There are plenty of ideas around property in this podcast to help you learn the ins and outs. 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 ...
Mar 15, 2023•18 min
Sometimes in life we need to slow down to speed up. This can be a very hard thing for us to accept and think about but we will give you some examples of how are currently doing exactly 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 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...
Mar 13, 2023•41 min
Mikey thinks that the economy truly could shit the bed come June or July. He takes us through exactly why he thinks this and Luke thinks it could be later in the year but we have a look at what's going on out there and what could be coming 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 c...
Mar 12, 2023•39 min
You have found your way to Keep The Change, so what is this all about? This content is designed to help over 100,000 Kiwis improve their financial literacy. The goal is to change the wealth of the nation. Please take the lessons and action them into your life and be a part of the journey in the community of 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 Keepth...
Mar 10, 2023•8 min
For some of our superannuitants, they simply don’t/won’t need their super BUT they are entitled to it. If it’s not needed, perhaps it could be sent back? Sent back and committed to an area of the economy they care about, like infrastructure or health care. Wouldn’t it be great if we had a mechanism at a national level where those people could choose where they want to direct their superannuation. Hey thanks for listening! Please take some form of action from this content, don’t just be a consume...
Mar 09, 2023•34 min
On Instagram we asked you what is getting in the way of your financial success. In this episode we take you through all of these things as well as different ways to look at some of these problems. This will be extremely helpful for 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 Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay ...
Mar 08, 2023•43 min
We take you through more of Keep The Change's listeners' financial stories to both learn and be inspired by you amazing people. You won't want to miss these. 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 wil...
Mar 06, 2023•38 min
Recently I bought a PIE fund and I’m not talking steak and cheese ones. I had a bit of spare cash sitting in a bank account and I wanted to ‘make my money work for me’ and am always looking for ways for my money to have babies and help subsidise my life/costs. I considered a Term Deposit where I deposit my money for a set term and in return get given a % for doing so. Then I thought about a PIE Fund, here's why... Hey thanks for listening! Please take some form of action from this content, don’t...
Mar 05, 2023•35 min
In this episode we tune in with Angela Strang who has 'retired' by the age of 35. We ask how the hell that is possible and what it even means! Angela takes us through the ups and downs of investing in property and what she’s up to now that she’s ‘retired’. 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 lit...
Mar 03, 2023•49 min
Luke sits down with James from Lighthouse financial to understand how they go about financial planning for their clients and the exact process that they take people through as well as some tips and tricks all of us could learn from. if you want to explore doing some financial planning with your team follow this link: https://lighthousefinancial.co.nz/lighthouse-wealth/ Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make s...
Mar 01, 2023•43 min
Luke joins the Lighthouse Financial crew to discuss why term deposits are being spoken about again and why he recently plonked some money into a PIE fund for tax advantages. 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 ...
Feb 28, 2023•13 min
People are saying this recession could be about using your balance sheet. In this episode we discuss what a balance sheet is and how it's not just for businesses to be thinking about. These are solutions to get you thinking about getting through a recession. 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 l...
Feb 27, 2023•42 min
A reader reached out to me with what they did when they found themselves as a solo parent, with 2 young kids (2 and 5) and I thought I would share this with you. This is their journey to get through the 'season' they found themselves in and bounce back to be at their best again. This one is massively inspiring. 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...
Feb 24, 2023•25 min
This week we've had a new official cash rate announcement from the reserve bank of New Zealand and it with the recent events around New Zealand shit this is not looking good. This is everything you need to know and be thinking about and how as a country we might deal with what we have to pay for. 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...
Feb 24, 2023•1 hr
Luke sits down with Adam Stewart from Compound Wealth to find out what's happening in the stock market and whose Kiwi saver will be performing the best as he takes us through the top performers of the market recently. If you would like Adams team to have a look at a specific recommendation for you and your Kiwi Saver jump on the website and use the following link. https://www.compoundwealth.co.nz/kiwisaver Hey thanks for listening! Please take some form of action from this content, don’t just be...
Feb 23, 2023•39 min
Luke joins Mike and James on the Cheque & Balances podcast for his debut. He spits out some wild predictions for 2023 that should see him completely wrong and never invited back on the podcast. Tune in to see what all 3 of them predict for 2023. 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 Keepthechange.co.nz to receive our weekly lesson on money and financial lit...
Feb 22, 2023•20 min
