Mikey tunes in to a webinar with a leading economist from New Zealand who predicts things are going to get very grim here and we are still some time away from this. Mikey takes us through the data to back this up and then we explore some of the ways we could be preparing and what we need to be thinking about if this is the case. 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 K...
Jun 07, 2023•1 hr 16 min
Recently a man from America really caught Luke's ear and eye and in this episode we will look at how this happened and what it is that they are talking about that has gotten so much of Luke's attention that he has nearly fallen. 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...
Jun 05, 2023•32 min
From the 1st of April 2023, interest incurred on rental properties will now only be 50% tax deductible. We are going to learn about this because it’s actually quite a big deal and something you will hear a fair bit about this year. Before we do, let’s go back to basics....New Zealanders have long had an obsession with rental property investment. 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...
Jun 01, 2023•27 min
The Reserve Bank increased the OCR (Official Cash Rate) for the 12th straight time. It now sits at 5.5%. The Reserve Bank, have forecast out into the future and, at present, the OCR looks to have peaked and will decline from here to be just above 3% in 2026. That will no doubt excite a lot of people. But given that it's been so uncertain, it’s not easy to trust the experts in charge at the moment, is it? The KTC Instagram audience voted on whether this would be the end of OCR increases and 79% s...
Jun 01, 2023•25 min
The NZ budget is out again this week and we explore whether we need to change the question of 'whats in it for me?' to 'whats in it for NZ?'. The annual NZ budget always carries a lot of opinion and criticism but it is important to think about your own budget and what you are doing to monitor your money. Let's explore 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 Keepthechang...
Jun 01, 2023•29 min
Mikey was recently asked what it is like to not have to care about money. In this episode he breaks down how he answered this question. Just to be clear Mikey does care about money but the perception from the person who asked him this was that he doesn't so let's explore how he thinks about this and what he told the person who asked. 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 ...
May 31, 2023•58 min
We did it, 3 years of KTC! The very first edition of Money Mail went out on the 22nd of May 2020. There were 201 recipients. Things looked a little different back then as we navigated a pretty unique time. 3 years on, there are now over 7,500 readers each week. There were over 27,500 listeners to the podcast in April 2023. So what have we learnt? 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 t...
May 31, 2023•32 min
Luke ventures to the Philippines for a week and sits down with Mikey to go through his lessons from the week. Shit, it was good to be back in a country where youe money can go a little further. Tune in to hear about some of the tales, the different parts of the Philippines, and what we can also 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 Keepthechange.co.nz to receiv...
May 30, 2023•1 hr 8 min
Is being selfish a good or bad thing, or neither? We dig into different situations where you’ll be considered to be selfish even when you might be doing the right thing. There is no winning when it comes to using the word selfish. Check this one 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 literacy....
May 28, 2023•33 min
Mikey rolls into the stupid with hard data to back up the fact that guys want cars for more than just marketing. Has Luke got it wrong this whole time and it comes back to our desire to have independence and take risk? Let’s be clear we are not advocating for racking up debt to have a fancy car but maybe you can be forgiven for swapping a stack of cash for 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’...
May 24, 2023•31 min
Have you heard people talking about ‘The Lost Decade’? What is that all about and how should we prepare ourselves. We hear from legendary investors, historians and turn how minds to ensuring we don’t stagnate in a time where markets could not be like what they used to be. Just because companies aren’t growing, doesn’t mean we can’t. Let’s 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 subscr...
May 22, 2023•45 min
Well, Luke made it back in one piece from Vegas and sit down with Mikey to discuss the things that he noticed about America including how big it is, how expensive it is, and how you almost feel a little freer when you're in the land of the home of the brave. 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...
May 18, 2023•44 min
Luke's partner stops by the studio and they record an impromptu podcast about the differences and the ways that they both see money and some of the challenging things that they have faced through their relationship as well as some of the lighter moments. 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 liter...
May 17, 2023•48 min
We read through a number of your financial stories sent in by Keep The Change listeners and readers as you explain the journey you've been through there are a number of inspiring stories in here from people who have been through high levels of debt and have gotten through to the other side. 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 ou...
May 15, 2023•39 min
Jamie popped into the studio to discuss his journey from changing jobs and backing him self in business and how he went about it including selling his house to give him the chance to do so. Everyone can learn something from this 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 t...
May 10, 2023•57 min
Luke and mikey find a great video on YouTube about the 21 one traps that we all need to be mindful of. Tune in to part one of this to learn about the different traps and how you can keep an eye out for them in your own 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 Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on socia...
May 08, 2023•54 min
I wouldn’t be where I am today if it weren’t for some of the people who have built and sold massive businesses that have changed my life and, in turn, yours too. Let us not forget the contribution that ‘the rich’ or 'the wealthy' make in our countries and communities too. The opportunities they create from the risk they take. We don’t measure that. Let's explore! Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure yo...
May 04, 2023•21 min
Jeremy from https://super-advice.co.nz/ Joins us in the studio to tell us about what he has built for employers to enable their employee's financial well-being. Jeremy is great value and a down-to-earth person and helps thousands of employees every year get more engaged with their own finances so they can have a better financial 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...
May 03, 2023•1 hr 15 min
They say that there's always an opportunity in a recession, so what is it? We sit down for an hour to discuss all of the opportunities that you may not be thinking about and try to teach you to start tuning your mind towards seeing each of 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. Sta...
May 01, 2023•58 min
Luke sits down to ask Mikey does the perfect line structure exist and if it does what is it? We look at a number of hypothetical situations that could impact how you may want to think about structuring your loan. 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 ...
Apr 30, 2023•37 min
Recently the Herald Business desk put together a list of the top 10 salaries of CEO’s in NZ. I hear and read things like:‘No job is worth more than $100,000’ ‘Tax the rich’. There are plenty of positive comments too, which is great to see. Instead of whining about how they are over paid because we don’t understand what they actually do and the responsibility they have, why don't we try to learn about what they do and become a CEO ourselves? Let's explore Hey thanks for listening! Please take som...
Apr 29, 2023•38 min
Well it has been the talk of the town this week as the IRD tell us that the rich aren't paying their fair share of taxes. In this podcast we will explore what this means for all of us and why so many people are up in arms and is it really has anything to do with us or is it a beat up on the rich people. Perhaps we are getting ready to introduce a capital gains tax and we need to convince people? We discuss it all. Hey thanks for listening! Please take some form of action from this content, don’t...
Apr 28, 2023•1 hr 1 min
Here it is, the webinar you've been waiting for! We sit down with James Blair from lighthousefinancial.co.nz from the wealth team to discuss putting together a financial plan and all the things that we should be thinking about. This was an interactive session so you will get to the Q&A at the end as well. 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....
Apr 28, 2023•1 hr 30 min
You may have seen the banks advertising cashback for your mortgage. What is this all about and when is a good time to explore for yourself? We ask Mikey all of the questions you may have given all of the markings we are currently seeing around the place from the banks. 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 ...
Apr 26, 2023•18 min
Yay inflation is less than expected! Is it time to celebrate? I don't think so. It is great that inflation has decreased, but it’s still too high. It’s great that it was less than economists predicted, but they are always wrong. Inflation has been outside the acceptable range for 2 whole years now - have you changed your ways or been sucked into doing nothing? 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’r...
Apr 25, 2023•34 min
Wrap your ears around this one as we get insights from one of over 1,000 financial mentors in New Zealand who help out people to improve their financial situation. Many of these same principles can be applied to our own finances. 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 24, 2023•1 hr 31 min
We're really sorry to let you know that you have been lied to on a number of fronts. We think it is becoming increasingly evident by all of you that everything is not what it seems. So what can we do about all of this? We dig in to figure out why more people are feeling uneasy about trying to get a head 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 Keepthechan...
Apr 19, 2023•51 min
This podcast is brought to you by the good folks at Double Yolk. Double Yolk are bringing trust back to offshore software development. Check them out here: https://www.doubleyolk.com/ Mikey has hit the tonne and done over 100 Keep The Change podcasts. He sits down to explain to us what he's got an out of it and also why he does 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 vi...
Apr 17, 2023•42 min
There are a lot of chats at the moment around the collapse of the US dollar. Luke and Mikey provide some thoughts on what this means, how it may impact you and whether you are actually going to take any action or just be able to say I told you so. 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. St...
Apr 16, 2023•31 min
If we were to be given a large stack of money, the first thing most people would do is pay off their mortgage. Maybe this is due to a guaranteed return on paying off debt? The trap we feel by the regular repayment? The goal of being mortgage free? For each it will be different. But with $20million sitting in the bank, surely things would 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...
Apr 15, 2023•21 min
