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 improve the financial literacy of New Zealand - let’s get on with it. Find us here: @keepthechange_nz https://www.keepthe...
Dec 28, 2024•8 min
September GDP data just came in at -1.0. I had to refresh my screen to see if that was accurate. -1.1% in the June quarter. Brutal! We are living through a seriously gnarly engineered recession. The worst since the early 90s. But...we are still here. How good. I hope that some of the Money Mail lessons have been catalysts for you to improve your financial story and your ability to navigate this tough time. Let's explore some serious KTC investment and growth in 2024. Hey thanks for listening! Pl...
Dec 28, 2024•22 min
This is the audio from a recent YouTube video that you might find interesting. 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 improve the financial literacy of New Zeal...
Dec 26, 2024•5 min
Following on from the podcast ‘How To Destroy 2024’ to get you started this year, we dive into how our 2024’s actually played out. We go back through some of the themes we were focussed on this year and reveal some of the plays we’ve made. Mikey has just unlocked a completely new chapter, taken a NZX sized lease in Auckland central and I have an exciting celebration to share with you. There has been growth, grind, consistency, investment and new projects. Another compounding year! Mikey and I ho...
Dec 26, 2024•1 hr 6 min
Everyone’s favourite property saying - that it doubles every 10 years and property is ‘safe as houses’. But how true is this for the coming decade and why does Sir Bill English think they will be stagnant for 15 years (in real terms). Regardless, shouldn’t this scare us not excite us? Don’t we need to be thinking bigger than a double every 10 years? We are capable of so much more! This is to get you thinking critically about a common property promotional slogan. Enjoy! Generate are supporting my...
Dec 25, 2024•45 min
Last week, someone sent me an inspiring image titled: "The Steps I Have Taken to Improve My Financial Literacy and Position in 2024". They had listed all the actions they’d taken. I think this is an amazing exercise to reflect on progress and stay on track. When I asked other KTC followers about their wins in 2024, the responses came flooding in. Let's look at some of them. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! M...
Dec 24, 2024•24 min
Unfortunately, someone has been scammed under the false impression that they were dealing with Keep The Change. I want to make you aware that this is happening on TikTok. If you find yourself in this situation, take a moment to question why someone is asking for this information. If this has happened to you, please report it to the police and any trading platforms the scammer directed you to use. Hey thanks for listening! Please take some form of action from this content, don’t just be a consume...
Dec 23, 2024•13 min
This is a re-release of an earlier podcast that other listeners have found very useful. If you still think that making money is hard and you cant do it then this could be the podcast for you. 'Caleb' comes in to tell us about how he has sold $50,000 worth of goods on the internet and how he has learned this from social media. There are heaps of business lessons in here and selling fundamentals and it is mind-blowing to see what the younger generation is picking up and having a crack at that we s...
Dec 22, 2024•53 min
This is the audio from a recent YouTube video that you might find interesting. 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 improve the financial literacy of New Zeal...
Dec 21, 2024•10 min
This is the audio from a recent YouTube video that you might find interesting. 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 improve the financial literacy of New Zeal...
Dec 19, 2024•12 min
In this episode, we dive into the evolving landscape of financial mentoring in New Zealand. We explore the growing focus on upskilling and qualifying financial mentors, the challenges of advocacy work, and what the future might look like with fewer volunteers and a streamlined approach to budgeting support. As the hardest time of year approaches, we discuss the financial pressure households face during the holiday season, from Christmas spending to January's financial fallout. Learn how financia...
Dec 18, 2024•1 hr 1 min
Brands are about to bombard us with 12 days of Christmas chat. Some have probably already started, but apparently the 12 days are actually from the 25th December to the 6th January. But what about our own 12 days? Today we are looking at how we can push ourselves to find our own 12 days of Christmas. How can we improve our finances each day for 12 days? Setting us up well for the festive season and 2025. I will get you set for a prosperous 2025 with these 12 actions. Hey thanks for listening! Pl...
Dec 16, 2024•33 min
This is a re-release of an earlier podcast that other listeners have found very useful. 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 so...
Dec 15, 2024•18 min
This is the audio from a recent YouTube video that you might find interesting. 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 improve the financial literacy of New Zeal...
Dec 14, 2024•13 min
This is the audio from a recent YouTube video that you might find interesting. 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 improve the financial literacy of New Zeal...
Dec 12, 2024•11 min
The World Economic Forum, the country is cooked, the dollar is going to zero, capitalism doesn’t work, we need a capital gains tax….we’ve all heard these things online or from our mates. Now what? What are these people actually doing with this information? Are you going down deep deep rabbit holes to convince yourself of wild situations and then not taking any action? Why!? We explore some solutions to these common arguments we see online. I have a goal to help 100,000 Kiwis improve their financ...
Dec 12, 2024•48 min
I started reading an eye-opening book about retirement. The book: Cracking Open The Nest Egg by Martin Hawes. I highly suggest this for your parents or yourself, no matter your age. I was struck by an example for people to aim for when retiring. The idea is that you get to 65 with no debt on your house, and you have some funds set aside to invest that you can draw down on for the next 30 years. Sounds easy right? But does the math, math? Let's explore. Hey thanks for listening! Please take some ...
Dec 11, 2024•40 min
This is a re-release of an earlier podcast that other listeners have found very useful. Mikey explains to us how you can add more value to your life, your job, and to anything using the simple equation. 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 ...
Dec 08, 2024•34 min
This is the audio from a recent YouTube video that you might find interesting. 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 improve the financial literacy of New Zeal...
Dec 07, 2024•10 min
This is the audio from a recent YouTube video that you might find interesting. 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 improve the financial literacy of New Zeal...
Dec 05, 2024•15 min
In this podcast we sit down with no direction and go through a number of different things that are happening in New Zealand and in the world and see where it takes us. We go over the recent decrease in the Official Cash Rate in New Zealand, what's going on in the world of Bitcoin and this company's micro strategy, and will we see new taxes in New Zealand in the future, what will mean for us? Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, be...
Dec 05, 2024•1 hr 40 min
Today we sit down with a Keep The Change listener and look at the journey they’ve gone on since finding the Keep The Change podcast. Angela has a full plate with kids, a job, helping in her husband's business and other skills that pay the bills. Angela shares insights into her ‘fridge technique’ used to track finances that she learnt growing up. We explore emergency funds, paying the mortgage off faster, reviewing KiwiSaver and investing for the kids. Angela’s story is a testament to the power o...
Dec 04, 2024•35 min
I have a challenge for you! If you’ve been around here for a while, you may remember we did this back in 2020. There were 500 readers back then and the podcast was yet to launch. So it’s time to do it 100x! The challenge is about giving back and making the day of a stranger in need. I’m challenging you to make $200 and to keep $100 for yourself and then give $100 to a stranger. Are you brave enough? Hey thanks for listening! Please take some form of action from this content, don’t just be a cons...
Dec 02, 2024•26 min
We saw a long time of interest rates falling and asset prices increasing. Then we had dramatically lower interest rates through the 'demic and then inflation hit us, meaning interest rates to rise and some assets have actually now decreased in value as interest rates have increased. Now we are back to decreasing interest rates once again. So, what does this mean for asset prices in your ability to keep up with them? In this podcast we will go through everything you need to be aware of as the cyc...
Dec 01, 2024•1 hr 10 min
This is a re-release of an earlier podcast that other listeners have found very useful. 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 for...
Dec 01, 2024•22 min
This is the audio from a recent YouTube video that you might find interesting. 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 improve the financial literacy of New Zeal...
Nov 30, 2024•6 min
This is the audio from a recent YouTube video that you might find interesting. 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 improve the financial literacy of New Zeal...
Nov 28, 2024•9 min
You’ve listened to when to quit your 9 to 5 and then how and now you are going to do it! Game on! We go over a listeners question(s) around what you need to be thinking about now and what you may not be aware of in the world of business. We discuss taxes, claiming expenses, softwares you can use to sort this, invoicing, insurances, hidden costs, mindset, friendships, health. We explore some of the key lessons we had no idea were coming for us and these will get you ready faster. Get stuck in. I ...
Nov 27, 2024•53 min
I read that according to a survey by PriceMe, 51% of Kiwis plan to shop on Black Friday this year, a sharp rise from 35% in 2023. What’s more concerning is that 53% will use debt via credit cards, overdrafts, or Buy Now Pay Later. That’s a financial hangover waiting to happen. If you are part of this 53%, you need to be very careful about going into debt in order to buy people material things they will probably throw out before next Black Friday. Let's look at some smarter ways. Hey thanks for l...
Nov 25, 2024•27 min
This is a re-release of an earlier podcast that other listeners have found very useful. Mikey teaches us why it is so important to retrain some of the stupid things your brain will tell you to do and why this can also be so hard to do. 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 ...
Nov 24, 2024•49 min
