With access to debt being so easy, we can all access more than we can truly afford, ahead of time. This is how a debt-based system works. These days, you can finance almost anything. But what about when we take on more than we can really handle? How do we navigate this and be realistic with it? 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 Keepthechange.co.nz t...
May 05, 2025•41 min
Tired of seeing Keep The Change and nextAdvisory everywhere? Blame Roimata. She’s the person behind the execution of a lot of the marketing ideas I have for my ventures and helps me get in front of more people so that we can change the wealth of the nation. Roimata founded Burst Digital in 2023. A marketing agency built to do good , not just look good. With over 11 years of experience and a track record of helping 250+ businesses generate millions in revenue throughout her career, Roimata now he...
Apr 30, 2025•1 hr 2 min
The IRD could very easily write to AirBNB (or similar) and ask for a list of users. Same thing for people who have lodged a bond or listed a room for rent on Trade Me. Then they could cross-check this to a tax return to see if there is a form of rental income in it. In New Zealand, we have a responsibility to report our own forms of income. This should serve as a reminder for those of you who are renting out your property, AirBNBing it or getting a tenant in that you may want to be across the ta...
Apr 28, 2025•51 min
From the neon nights of Tokyo to the freedom tech of tomorrow, Cody Ellingham is on a mission to reimagine how we see the world and how we value it. A Kiwi creative now based in Japan, Cody blends photography, storytelling, and Bitcoin thinking to explore the shifting landscapes of money, cities, and human freedom. In this episode, we dive into his journey through art, his popular podcast The Transformation of Value , and why he believes Bitcoin is more than money, it's a mindset. Whether you're...
Apr 23, 2025•1 hr 3 min
Apparently, in Formula 1, 'Push mode' refers to a temporary engine or battery setting that allows a driver to maximise performance for a short period, typically to overtake a rival, defend a position, or set a fast lap. We can activate push mode when we need to, but a lot of the time we don't even know we are capable of it. What if we challened ourselves to activate it and use it to get furhter ahead? Hey thanks for listening! Please take some form of action from this content, don’t just be a co...
Apr 17, 2025•21 min
From dropping out of school at 16, buying her first property at 18 to building a business for sale, Amy Po-Ching knows what it takes to succeed in property, business & life. Amy is an award winning financial adviser, mortgage broker, and founder of Property IQ, Amy has helped thousands of Kiwis get into their first home, grow investment portfolios, and unlock financial freedom. She has built a business, been broke and sold a business only to retire and find it boring. Her mission is to now h...
Apr 16, 2025•1 hr 2 min
I read an article recently about a company who owed over half a million dollars to the IRD and was now unable to pay. I checked the companies office, which is a register of all companies in NZ, and this company has been put into liquidation by one of the shareholders. Days later the same shareholders and directors had a new company under a different name and that would start with $0 in tax owing to the IRD. Say what? How dos this work? Let's find out. Hey thanks for listening! Please take some f...
Apr 14, 2025•46 min
Ever wondered how to tap into the lucrative world of commercial real estate but weren't sure how or where to start? In this episode, we chat with the team behind Rethink Investing New Zealand , the country's premier commercial property buyer's agency. With over $5 billion in successful transactions and thousands of happy investors across Australia, Rethink Investing have got their sights set on helping New Zealanders. They specialise in helping everyday investors secure high-yielding commercial ...
Apr 09, 2025•1 hr 3 min
1 in 2 business owners in New Zealand are over 50. This is according to CPA Australia's Asia-Pacific Small Business Survey. Compared to NZ, the Asia-Pacific average is against a survey average of 28% New Zealand has around 546,000 small businesses, which represent 97% of all firms in the country. These small businesses are a massive part of the economy, contributing significantly to employment and the gross domestic product (GDP). So what is going to happen as these business owners get older? He...
Apr 07, 2025•29 min
After sparking massive engagement on social media this week about pet emergency funds and pet insurance, this podcast wraps up the convo and gets us thinking. We know you love your pussy and pooch like family but what happens when unexpected vet bills arise? Is pet insurance a waste of money? Is the pet industry going to boom? Discover why having an emergency fund could save both your furry friend and your finances, learn how pet insurance really works, and hear powerful insights inspired by ove...
Apr 06, 2025•1 hr 4 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...
Apr 05, 2025•12 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...
Apr 05, 2025•18 min
If your personal finances were a business, would you be turning a profit, or running into debt? The new financial year (starting 1 April every year) is the perfect time to reset, audit, and plan ahead. In this episode, we’re tackling everything from cutting unnecessary expenses and boosting income to smarter investing and setting financial goals that actually stick. Whether you want to get out of debt, grow your wealth, or feel more in control of your money, this episode will give you the tools ...
Apr 02, 2025•41 min
I recently came across a video where someone shared their frustration and exhaustion over the rising cost of living. The video highlighted that those earning above the median income are struggling too, and the situation is worse for those earning less. “I’m working harder than ever, but I’ve got less to show for it.” This isn’t just one or two people feeling this way. There were thousands of comments. What the hell is going on? Hey thanks for listening! Please take some form of action from this ...
Mar 31, 2025•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...
Mar 29, 2025•22 min
Why does having money sometimes feel more stressful than not having it? In this episode, we explore the fear, uncertainty, and pressure that can come with receiving a lump sum of cash or more than we once expected to have. From the anxiety of making the "right" investment to the deeper mindset challenges around wealth, we unpack why money feels like a burden and how to shift that perspective. This topic came from 2 people who recently said that they are ‘scared’ of money they are about to have. ...
Mar 26, 2025•50 min
I recently asked 500 people whether dividends were a capital gain. Have a think about that answer. 30% think that they are. A reminder that dividends are a form of payment from a company's profits. Dividend - a sum of money paid by a company to its shareholders out of its profits (or reserves). One of the benefits of investing is that you get to learn more about how finance works. You start to learn the language of shares, dividends, imputation credits, taxes, realised vs unrealised etc. Hey tha...
Mar 24, 2025•20 min
This week, I had the privilege of returning to my old high school to speak at assembly. I wanted to share some key lessons from my speaking journey so far and insights that might help you as well. I’ll also touch on some of the messages I shared with the young lads. Hopefully, you’ll find some inspiration in this episode 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 Keep...
Mar 23, 2025•26 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...
Mar 22, 2025•12 min
This man knows how to get attention and turn it into serious business growth. In just 6 years, Stanley Henry has built The Attention Seeker from 0 to 40+ staff and isn’t slowing down. They work with some of the biggest names in the game and hit millions of eyeballs every week with their content. In this episode, we dive into why your personal brand isn’t optional anymore and how ignoring it is costing you opportunities. Whether you are starting out in business, employed or wanting people to see ...
Mar 19, 2025•1 hr 21 min
If you did your February 2025 month end, you might have noticed something…your net worth may have taken a hit? Mine certainly did (and it wasn’t just the trip to Vegas…). But before you start spiraling, let’s talk about what’s really going on. Markets have been about as stable as a three-legged chair lately. Stocks? Down. Crypto? Unpredictable as ever. 'The Magnificent 7'? Shaky as. Houses? Not doing much. KiwiSaver? We've had a good run but are now impacted by global issues. If it feels like ev...
Mar 16, 2025•41 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...
Mar 15, 2025•16 min
Scott Innes from MoneyMaverick.nz went from government employee to self-employed financial advisor; all while navigating the challenges of raising a young family in a new country. After discovering Keep the Change during his wife’s pregnancy, Scott found the confidence to take a commission based opportunity over a salaried role, despite the risks. On that, he can’t believe how much opportunity there is in New Zealand! In this episode, he shares how he pushed through a brutal first year, doubled ...
Mar 12, 2025•56 min
I started to write this mid-flight headed to Las Vegas to watch the mighty NZ Warriors in action. They say what happens in Vegas stays in Vegas and to be fair, some of my NZD are definitely going to be staying in Vegas. Holy sh!t that place is expensive. Before I left for the USA, I needed some US dollars in cash. I did what anyone would do. I went to my bank. The one I’ve been using for around 10 years. I went in and gave them my card, and they took many of my $NZD and gave me $2,000 US. Boom. ...
Mar 10, 2025•39 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...
Mar 08, 2025•15 min
The Offical Cash Rate has decreased by 0.5% as expected. We sit down with Mikey to find out what he is seeing out there with the property market and with mortgage advisers. This is the first podcast as a bit of a trial, life from the new studio. 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 06, 2025•53 min
What does it mean to live a life of abundance? In this episode, we explore the mindset, habits, and actions that lead to true prosperity. This is also more than just financial wealth. We discuss tactics of how to shift your focus from scarcity to gratitude, and from fear to opportunity. We unpack some of our key principles of living abundantly, including financial freedom, giving, and personal growth. Tune in to learn actionable strategies for building a life where success, happiness, and genero...
Mar 05, 2025•41 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...
Mar 01, 2025•6 min
Did you know: in NZ, those born before 1966 currently hold 60% of NZ's $2.29 trillion total individual net wealth. The estimated value that will be transferred by those aged over 55 in the next 20 years will be approximately $1.11 trillion - Business and Economic Research Ltd. We are living through one of the largest transformations of wealth and knowledge EVER. Get READY! Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Ma...
Feb 27, 2025•41 min
We struggled with this one but it was needed before we record ‘Living a Life of Abundance’. This is why it’s only 10 minutes! So…are you caught in a cycle of scarcity, where there’s never enough time, money, or opportunities? Are you caught in a life of ‘lack’? In this episode, we dive into what it means to live a life of lack, exploring the tell tale signs of a scarcity mindset and how it affects every area of your life. We discuss the psychological and financial traps that keep you stuck, beca...
Feb 26, 2025•12 min
