If you’ve got your mind on your money, then you probably know that August is Money Month. But I often hear that many people have no idea. So today, a bit of insight into what this month is all about. Money Month is a public awareness and engagement campaign coordinated by Te Ara Ahunga Ora Retirement Commission, in partnership with the financial capability community. To do my bit toward the national strategy of working together to help demystify money, I sat down in an online workshop with Sorted’s personal finance lead, Tom Hartmann and James Blair of Lighthouse Financial to celebrate Money Month with a special webinar. Let's exploreHey 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey runs us through tackling problems the reverse way. Learn this brilliant way of thinking and see how you can implement 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 financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

I don't often ask for much but I would love your help to get this content in front of even more people. So, within this is an ask for you to help me do that, and some suggestions of how you could do it. It would be a lot to me. Thanks, Luke. Hosted on Acast. See acast.com/privacy for more information.

Money Month is a public awareness and engagement campaign coordinated by Te Ara Ahunga Ora Retirement Commission, in partnership with the financial capability community. This year's Money Month builds on last year's theme "Pause. Get sorted." The focus is on actions that can help people grow their money and build resilience – two pillars that are key to improving people's financial wellbeing. On Tuesday night, myself, James and Tom went over the steps you need to grow your wealth and secure your financial future, including: Getting clear with your goalsBudgeting and cashflow fundamentalsUnderstanding debt Property as a wealth-creation toolHow shares fit in with your investment strategy Protecting your wealth and accountability.Some of Sorted’s most popular online toolsGet stuck in.  Hosted on Acast. See acast.com/privacy for more information.

I want more Kiwi to understand that their knowledge can be exported. You can package your knowledge and sell globally, earning different currency and opening up different markets. This is working smarter, not harder and we have A LOT of smart Kiwi here in NZ who don’t know this exists. I sat down with Luke Sneeden who has been a part of businesses doing this for nearly 10 years. Find out how they took baby sleep secrets to the world by starting with a PDF document and turned it into 500,000 happy customers. This one will blow your mind with what is possible.Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

Well, well, well what have we here? The first cut of the Official Cash Rate. On Wednesday, The Reserve Bank cut the official cash rate by 25 basis points to 5.25%. So what’s behind this cut all of a sudden? Let's try figure it out and work out what we need to be thinking about as rates fall further in the coming quarters.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

A number of people recently told me that they don't know how to get started with investing and it upsets me to see that in 2024 so many people still believe this when there are such amazing resources out there. In this podcast I'm going to buy a share and I'm also going to explain why is so important that you get started and give you two resources that you can go to to learn. You must make your first investment by the end of 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 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.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 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.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

0 to 100 real quick, literally. Learn from 2 lads who scaled a business from 0 to 100 staff and then sold it. It can be done. They take us through their top 5 lessons learnt from starting something from scratch (in an area they didn’t even know too much about) through to selling it to an overseas buyer. These lessons are simple and may surprise you as to how basic they sound. This podcast will get you warm for the part 2 where Henry and Jack provide you with 10 business ideas that anyone can have a crack at. You will love the energy of these 2 down to earth Kiwi legends. Get inspired.Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

Ahh, the age ole question! Asking someone who can’t predict the future to predict the future. If you are asking people ‘is now a good time to invest?’ you’re probably setting yourself up for something we like to call Not Taking Action. Firstly, what does that question even mean? What are you actually trying to ask? Secondly, how would anyone know that answer? NO ONE knows what is around the corner. Let's explore how dangerous this question is.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.Mikey Breaks down how you can actually change your mindset as he is sick of hearing people saying "you just need to change your mindset". Here is his methodology of exactly what you need to do in order to change now. 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.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

It’s no wonder the banks make billions of dollars when they are a part of every transaction. That gives us a clue…maybe the secret to making more money is to get closer to the transaction?In this podcast we will look at ‘Money flow’ and how you can get around people that move money around ensuring that it flows. Your job is to get some of it to flow to you by getting closer to people who are transacting, doing deals, solving problems, adding value and who have money.. We are about to teach you how.Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

Last week we explored the excitement that interest rates may come back down. Let's explore the things we should be thinking about when it comes to lowering interest rates, debt and mortgages? Then some potential action Items we can all think about if we have various forms of debt. Note: these are designed to get you THINKING only and are not financial advice.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.We talk with a Keep The Change reader about their forms of debt and how they got into them. We go through some practical ways we could get back in control of this and make some suggestions of how we could do this faster. Tune in as there will be thousands of people in a similar situation.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

So you want to quit your 9 to 5 huh? Well what are the steps to take to quit your 9 to 5? How do you do this? Well we are going to show you how to go about this because we’ve both done it and learned from the process.This will become a pillar piece of content for people to get them moving on their self employment or business journey. Before taking the leap into the unknown, get yourself set up properly and make sure these steps are covered first. This is a part 2 from 2 podcasts, the other one is ‘When To Quit Your 9 To 5’, make sure you check that out too.I believe 100,000 kiwis with better financial literacy will create a better New Zealand - and the team at Generate KiwiSaver Scheme are helping me reach this goal. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

The Reserve Bank of New Zealand look set to cut the Official Cash Rate and this has got people thinking about what it will mean for their mortgage. Mikey the mortgage messiah stops by to answer your prayers, sorry…questions. We talk break fees, re-fixes, going short, going long. It’s all happening in this podcast. Tune in to better educate yourself about what opportunities falling interest rates may mean for you.This is not financial advice and you should seek advice from a mortgage adviser or financial adviser. Hosted on Acast. See acast.com/privacy for more information.

Well, we’ve finally got some good inflation news. Inflation was 3.3% annually for the June 2024 quarter. This is the lowest it has been since June 2021. But we aren’t quite there yet. Still slightly outside the 3% target band. However, there is at least some confidence that we are heading inside it. And for a lot of people that will mean sweet, sweet interest rate cuts. The elixir we are craving to turn the economic tap back on. I don’t think that slow rate cuts (should they be slow) will be everything people think they will be because, as you’ve learned, interest rate cuts or hikes take some time to wash through the system. There is a huge lag with interest rates impacting the economy. Time for a reality check...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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.The man who broke the Internet with his savings methodology popped by to explain to us how he removed thousands of dollars of costs from his annual expenses by simply comparing the likes of his Internet, phone, power, insurance, etc and we dive into the psychology of money plus a lot more. Do not 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 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.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

I spent most of my 20’s p!ssing up and not preparing for my future years. It seems younger people are a bit more switched on these days (thank Gard!) so you’re probably not doing that. You will be better prepared than I was. Let’s look at what you need to be thinking about when it comes to milestones in your 30’s…Emergency funds? Buying a house? Investments? No consumer debt? Career plans? Relationships? Goals? Health and wellbeing plan? A will? There is a lot to think about. In this episode, I sit down with James Blair who is a Financial Advisor and the Wealth Director from Lighthouse Financial to discuss what we should be thinking about. James helps every day Kiwi with their longer term investing plans and we discuss how some of these fundamentals are important whether we are in our 30’s or 60’s.James Blair is the Wealth Director at https://lighthousefinancial.co.nzI have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.No part of this podcast is intended as financial advice; it is intended as general information only. For more information about Generate's Schemes see their Product Disclosure Statements at generatekiwisaver.co.nz/disclosures. The issuer of the schemes is Generate Investment Management Limited. Past performance is not indicative of future performance. Hosted on Acast. See acast.com/privacy for more information.

Alli Kennedy is on a mission to help everyday Kiwis be educated on investing. She has created a board game for people to play to learn more about investing and needs your help to create the first 10,000 orders. In this podcast we discuss how Alli (22 years old) is having a crack at changing the wealth of the nation via her board game and seeking pre-orders plus companies to be involved to turn this idea into a reality.Sharenanigans, offering an introductory experience into the world of investing in shares, will be the next board game in every household. But don’t be fooled, with players competing to become the wealthiest at the table, everyone is in it for themselves.https://www.pledgeme.co.nz/projects/7946-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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Recently I received an awesome message. A 12yo lad is out in his neighbourhood doing something we often talk about. Making an offer to transact. He offers to help and add value to his neighbourhood by solving problems. Wouldn’t it be nice to go back to that sort of mindset where you don’t fear as much as you do now, and you don’t care what people think about you? Let's explore how he is doing this and what we can learn and apply to our lives. 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.Wow! This could get interesting for you. An insight into some of the comments we often see on social media and whether all of them are true or conspiracies. We dig into the world economic forum and the great reset that we all keep hearing so much 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 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

We all dream about the freedom of working for ourselves. Being your own boss. So when do we pull the trigger and do it? Are you entrepreneurial deep down? Hate your current role? Know your goals are bigger than your current career path? This will get you thinking about WHEN it might be time to have a crack at something else.This will become a pillar piece of content for people to get them moving on their self employment or business journey. Make sure these steps are covered first. This is a part 1 from 2 podcasts, the other is ‘How To Quit Your 9 To 5’, make sure you check that one out too.I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

My good mate Simon pops to Auckland for the All Blacks so I make him sit down for a podcast warm up to tell us about the state of infrastructure in NZ and how we could actually improve it. Simon hires nearly 50 staff and was thrown in the deep end to run the family business some years ago. You’ll learn about his journey, what he thinks of the economy and what economy/tax changes he thinks we will see in the coming years. 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 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Apparently so. That is according to some people who message me and leave me comments. I know and see how tricky it is out there, so I can see what these people are trying to say. Maybe I am too much of a realistic optimist, but I can see better financial times in the future. However, I do believe it will get worse before it gets better. (Again, realistic optimist). So should we accept our fate and give up? 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 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.When I put together the 30 in 30 podcast series, one of the most mentioned podcasts was around investing in yourself. Investing in businesses and deals seems complicated. It is something that not all of us are familiar with, but I like to remind people to keep it simple. Start by investing in yourself.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 financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Lately I’ve been getting a lot of questions from younger people who are looking to get into investing. This is exciting to see, but no matter their age, they probably shouldn’t be asking a random stranger on the internet what to do with their money. So I sat down with James Blair who is a Financial Advisor and the Wealth Director from Lighthouse Financial to discuss what we should be thinking about. James helps every day Kiwi with their longer term investing plans and we discuss how some of these fundamentals are important whether we are investing $10k or $10mil. It doesn’t matter what age you are or how much you have to invest, this podcast will get you thinking!James Blair is the Wealth Director at https://lighthousefinancial.co.nzI have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.No part of this podcast is intended as financial advice; it is intended as general information only. For more information about Generate's Schemes see their Product Disclosure Statements at generatekiwisaver.co.nz/disclosures. The issuer of the schemes is Generate Investment Management Limited. Past performance is not indicative of future performance. Hosted on Acast. See acast.com/privacy for more information.

The 30th of June meant that it was time to do my month-end process. Mapping out what money I have coming in during July vs what’s going to be going out. Then I go through and tally up all asset values + debt values. This process keeps my mind on my money, and I am more in check with where everything is at. However, this time, I had a feeling that my net worth would have gone backwards and by the time I had finished my month-end process, I could confirm that my net worth decreased in the month of June. And that’s OK. Here is why...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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.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. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Mikey comes out swinging with a warning to the government and future governments, as well as councils that they need to be careful with all of these tax and rate increases (including inflation) because people are feeling it and we could lose them to other countries OR they may change their behaviour. We explore how this happens and go through some examples. We even TRY and find the odd solution. This is a grunty one!I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

I haven’t bought a L0tto ticket for some time. But I will admit, I had to be a part of that recent mega jackpot. I was hoping to win to figure out what it would be like to make $50milli in 2 mins. Then, how to handle it. It’s no secret that many people blitz through L0tto winnings and unexpected inheritances because they haven’t learned to be the person that knows how to handle that level of money. There is a good lesson for us here. What is it? And did L0tto just have thier biggest year in history?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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.Why are people so obsessed with thinking they will have a better life when the system changes? Start by changing yourself instead. 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 financial literacy of New Zealand - let’s get on with it. Find us here:@keepthechange_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Listening is a skill and it’s becoming harder to do. We look at why that might be and how we can practise listening more than just hearing what we want to hear. It is easy to surround ourselves with what we want to hear but what if that isn’t helping us? We go through some examples where actually listening has been life changing. I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

The unemployment rate is currently 4.3% at the end of March 2024. It is projected to rise to over 5%. This means tens of thousands of Kiwi who could still lose their jobs. You don’t want this to be you and I don’t either. But chances are it will happen to someone we know in our wider circles. I have already seen it happen in mine and this week I noticed more KTC followers mentioning redundancy. But here are some more specific things you may want to think 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 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.Dividends. Imputation credits. Withholding Tax. You name it, we break it down so that you can understand. A simple explanation of how dividends work and why you need to be aware it is income that will end up in your tax return.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Looking to buy your first home and have absolutely no idea where to start? Got a deposit but it’s not quite enough? Do your parents have equity in their property that you could use? Looking to get your first investment property? Slice have made it easy to navigate what can be a complex area which sees property, KiwiSaver, real estate, law and finance overlap. Slice have education and tools available no matter what stage of the journey you’re at. Founder Amy Stevens joins us to discuss what they’ve built and the big problem Slice is built to solve. Website: https://www.slicetobuy.com@firsthomefounderI have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

Each quarter the IRD release information about how many people owe them money and how much. If you've been listening to KTC for some time you'll know what I often refer to this as the data worth looking at because no one writes or talks about this. But it shows us how businesses are going out there in the economy. One of the interesting statistics is that 551,000 people owe the IRD. The number of customers with debt increased from 436 thousand in March 2023 to 551 thousand in March 2024. So, how did that happen so quickly? I don't know for sure, but this is my theory...and it impacts you!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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.In this podcast we teach you everything you didn't get taught in school about why business is the most favoured way when it comes to tax rules. We explain why employees get the worst deal and explore some of the other types of investment like property. 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

The much anticipated tax changes have been announced. How exciting, for the first time in my career, everyone is talking tax. We are going to explore the new tax brackets, why they've been adjusted and when they might next be adjusted. This will give you a VERY solid understanding of tax brackets and rules in NZ.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Is it ok to be proud of yourself? Luke thinks so and regularly tells himself that he is (shock). Is it normal? Who knows! Mikey kicks us off with a story of how a country he recently visited is very proud. What about NZ? We explore how we can be more proud of ourselves and what it even means. There is a challenge for you at the end too so tune in!Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.This is Mikey's theory on why playing the long game will ensure you never lose in whatever area it is that you are trying to get ahead in. Tune in and get an understanding of how you can apply this to your 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 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

I sit down with Generate’s Global Equities Portfolio Manager, Nathan Field. Nathan has over 25-years' experience in the financial industry and during the period 2013 to 2023 the global equities funds under his management beat the market index by more than 4% p.a. That’s not bad going and has a huge compounding effect. We explore what ‘Thematic investing’ is and how we can get in on the action. Nathan explains what trends he's keeping an eye on and how he figures these trends out early. There is some great investing insight in here and you’ll learn something that could help your own investing journey. Get stuck in.I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. No part of this podcast is intended as financial advice; it is intended as general information only. For more information about Generate's Schemes see their Product Disclosure Statements at generatekiwisaver.co.nz/disclosures. The issuer of the schemes is Generate Investment Management Limited. Past performance is not indicative of future performance. Hosted on Acast. See acast.com/privacy for more information.

Whether people like it or not, we all need each other. Perhaps we need each other more now than ever. For many of us, it is the first time we are going through a really challenging economic cycle of high interest rates, persistent inflation and recessionary tests. We are all dealing with what we have going on in our lives and can lose sight of what others are dealing with. I was talking to a teacher recently who reminded me of this. Let me tell you a story about how kids can afford to go on rugby trips, when their parents can't afford to pay.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.30 lessons in 30 days from my life so far. Join me to find out what I learnt from some of my best and worst life choices. See how things that have happened for me have shaped the way I think today. Enjoy and go well.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

It’s inevitable that you will go through tough, slow growth times in your life. You will feel like you’re on the right path but the self doubt creeps in. The wins aren’t coming, you can’t see the progress and people might even tell you that you don’t know what you’re doing. Then you drink the brain rotting Kiwi Kola: You can’t get ahead here, You can’t buy a house here, There are no good jobs here. It’s all down hill from here and you give up.Awesome!Except you didn’t want to give up.Neither did I. 7 years ago I was starting from scratch and the wins weren’t coming as fast as I thought they would. I thought I knew what I was doing, so why wasn’t it happening?Instead of feeding my brain the Kiwi Kola, I gave it a better diet.This podcast is what I did to combat the brain rot and not quit on my goals and dreams. I hope it helps 👊🏻 Hosted on Acast. See acast.com/privacy for more information.

Over 80% of school leavers said that they wished they had learned more about money at school. Sorted in Schools are doing something about this by providing resources for both students and teachers. The goal is to improve financial capability. That means being good with money which is an essential life skill. It means being equipped with the knowledge, skills and confidence to make good financial decisions at each life stage, and attain goals with choices. I am joined by Claire Bailey from Sorted In Schools who is a learning specialist and I ask her how the programme is progressing and what the vision is. Sorted in Schools is free for all secondary schools and designed by teachers for teachers. We are often quick to assume nothing is being done to educate our next generation about money but here’s an example of a resource that many people don’t know exists. I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more. Hosted on Acast. See acast.com/privacy for more information.

I have a sneaky suspicion that many of us have lost focus and got ourselves trapped mentally. When we do this, we focus on the wrong things and unfortunately this leads to the wrong outcomes. The world shows up how we see it so we better be deliberate about how we see it and what we focus on. Let's focus...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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

This is a re-release of an earlier podcast that other listeners have found very useful.With all this doom and gloom it’s a good reminder to consider the currencies you’re collecting. This is a good time to remember that it’s not always about house prices, economic growth, net worth & bank balances. Just because a recession may be the measurement of whether our economy is or isn’t growing doesn’t mean you can’t.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.