You’ve heard me tell you this before, but you can’t hear it enough. Money exchanges hands when value exceeds price. Unfortunately, most kiwis don’t realise how valuable they are. They can’t see that they have valuable skills. So here is a story about an everyday Kiwi who took the bull by the horns and proved it to us.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.

Ever wondered how all the KTC podcasts and content ends up on your screen or in your speakers? Well, introducing Jade! She does it all. She’s recently made a big decision and had to do it quickly. This led to a lot of action and a lot of lessons. Jade jumps on the podcast for us to unpack some of those lessons and how we can apply them to our lives. Go well Jade! 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.

This is a re-release of an earlier podcast that other listeners have found very useful.How to get people thinking about the age old question of where you see yourself in five years time and actually building a vision for 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.

What can we learn from people who others want to cancel but can’t be? What are they doing that might help us think about how we live our lives? What if we did so much good that when we finally do something bad our friends or workmates stick up for us? 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 year, I have already heard too many times that 2024 will be better because: We have more certainty with a change in government. There will be a change in interest rates (decrease). There is a change in tax rates (decrease). But guess what, you and I aren’t making any of those 3 changes. They are being made for us. Think about what you can change in 2024 to have a better year than 2023.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.

This is a re-release of an earlier podcast that other listeners have found very useful.Hey 👋🏻 these are some practical things you can use to help you achieve your goals in 2022. I’ve tested these myself and can vouch for them. I hope they help you smash 2022, Luke!tthis is a re-release of an earlier podcast that other listeners have found very useful.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.

James Fuller is back in the studio to tell all of us kiwis what it's really like building one of NZ’s fastest growing start-ups. What does it do to your work/life balance, your family, your health, your view of the world, your network. Is it like the instagram / YouTube reels of glamour or is the grind worth it? This is real life insight to the realities of turning an idea into an industry disruptor that now has over 100,000 customers and over 100 staff members. This is a true success story of New Zealand tech. Let's go! 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.

Ilse Wolfe is back in the hot seat to show us how get the best return for effort when investing in property. Tricks from years in the trade that you can steal and implement through your journey. We look at buying the right buy-and-hold properties to add value to, (off the tools) in a way that builds your ideal portfolio in the fastest way. How equity works and what the banks are looking at when financing your deal. This is a look behind the curtain at the strategies Ilse has used her self and her clients use.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.

Do you know how to answer that? I often hear people say ‘that’s a lot of money’ and I wonder where that came from? How do we decide what a lot of money is? I thought I would ask some of the KTC followers on Instagram. Here is a summary of what they said...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.

This is a re-release of an earlier podcast that other listeners have found very useful.Clue - it isn't a stock on the stock market. This investment is often overlooked by the masses but not by those who really know how to get a huge return. Check this lesson out and see what it 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.

What happens when the best looking (and most arrogant?) accountant in NZ and the biggest accountant in NZ walk into a studio at the same time? We find out! This is a sit down with James Fuller, the CEO and co-founder of Hnry. Hnry have revolutionised the accounting industry and put the power back in the sole traders hands by simplifying the boring and scary area of tax. We ask your questions and see how a start up went from nothing to NZ’s biggest accountant in only 6 years. Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and 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.

Luke recently read a book discussing how to be successful and the laws around this so takes Mikey through some of the key points. You will be blown away by how accurate and relevant they are considering this book was written 100 years ago. Some great summertime reading for you off the back 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_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Luke did some thinking on the plane on his way back from his trip and has some things already that he is going to be mindful of the 2023. See what you believe and see what might help you as well.This is a re-release of an earlier podcast that other listeners have found very useful.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.

When I first built the Keep The Change website over 3.5 years ago, I wrote this in the ‘About me’ section: Not a millionaire (yet), but am on the path and think we all can be too. I wasn’t a millionaire when I wrote that, nowhere near. But I am today, depending on the defitinion you use. Was this a good goal or too small? Let's explore because regardless, I used 'the goal stack' to achieve this.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with 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 have taken you through my methodology both through the podcast and Instagram on how I stacked $100,000 and why I did this. I have recently challenged myself to do this again and wanted to share with you the insights of how the second time differed from the first time and hope you can learn something from this too. Please take inspiration from this and remember that everybody has their own goals. 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.

Instead of just getting ready for another tricky year, why not decide to make this YOUR year?Start by deciding that it’s your farking year. Decide today, to act like the version of yourself you need to be that achieves these goals. You’ll need this simple stack...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.

A recent question from the community around whether leaving money in the bank was a smart or safe thing to do and whilst there are no certainties in life we dig into some of the things to think about when it comes to bank accounts, inflation, and these other financial entities popping us suggesting that you could save your money with them. 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.

The podcast had 600,000 downloads in 2024. There are now over 450 episodes to learn from. All Money Mail lessons (Friday emails) are read as podcasts too, and I am able to go a bit deeper into some of the context of the email. Here is a list of the 15 most listened to podcasts of the last 12 months. I guarantee you that there is a summertime gem in there for you to learn from.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.

Happy New Year! Here we are again, another bright new year to get stuck into. In this episode, Mikey and Luke sit down to get mostly Luke's thoughts on how to DESTROY 2024 and make sure this is your best year yet. Get stuck into this one and tell us what actions you will take to ensure this is the best year of 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_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

11% of kiwis earn over $100,000. That’s according to the 2022 IRD taxable income data that I spent time running some calculations on one weekend. Let's explore who gets paid what and what %. Remember comparison is the theif of joy so use this data wisely.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.

Can the pie get bigger without someone losing? This is the question that Mikey answers in this podcast. We explore the pie fallacy and zero sum versus fixed sum. 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.

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 still think isn't possible. 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.

They say that getting into your first home can be one of the hardest projects of your life. In this podcast we break down the exact methodology you need to implement to save a deposit for your first home. This is the ultimate guide from Keep The Change and Guardian Smith. Good Luck!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.

Up down, sideways? Who knows? Tama might because he eats, sleeps, dreams and flips property every day. We sit down to talk about what we will see in the 2024 year when it comes to property. You also get your questions from instagram answered. Tips for buying in 2024 and the common mistakes that Tama sees people make.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.

Is congratulations you made it to the end of the year. In this podcast we take a look back at what we noticed throughout this year and how it's been for us. We also dive into the OCR, unemployment, recession, migration, and inflation. It wouldn't be a review without a quick look at what the next year may bring as well so get stuck in.Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and 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.

We’ve got a weapon in the building. Someone who is juggling a lot including kids, tenants, investments and clients. Ilse Wolfe from Wolfe Property Coaching helps people get started on their property journey and wants to re-teach some of the lessons (and help others avoid her mistakes) she has picked up throughout her property investment career. We dig into why this is important to her and how she got from a 9-5 role to one of the largest property owners 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_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Luke was recently on a panel in the accounting world about what personal branding is and what it leads to. Is it even worth it? Luke and another accountant explain the pros, cons and how to get started. This podcast won’t be for everyone but it will help some of you who may be thinking about increasing your own brand in a venture or as an individual. There are some powerful principles in here so tune in and 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 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.

Recently somebody asked me whether it’s a good idea to pay off their $2.5k student loan if you have $2.5k saved. Only they know that answer. But it got me thinking about the levels of money and the versions of ourselves. So I asked the old version of myself what they would do, then I asked the new version of me. Don't have a student loan? This is just as relevant to you! Get stuck inHey 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.

Luke features on The High Frequency Club podcast to discuss paying off your debt, combating the rising costs of living and help alleviate your current and future money stresses. Check them out here: https://open.spotify.com/show/0wCq6F8txKy9skzoENG2fr?si=0f53784b9c3c4c60Hey 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.

He’s back in the studio but this time he is all in. Last time he let us know that he still had a job and many people were mind blown. How the hell was he managing everything and what will be possible if this is Tama’s full focus? These are the questions we have too. We explore InvestorPro - the new App that Tama’s team have built and whether that perfect flip record is in tact with no losses to report?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.

As money gets tight for people, I read about the different ways people are trying to put money back into their household. One of the ways people are doing this is by cashing up annual leave. This is where employees exchange some of their unused annual leave for cold hard cash. A nice cash injection! BUT what should we be thinking about before doing this?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with 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.

Mikey comes in all guns blazing around why everybody needs to experience the hunting season, and no we ain't talking about knocking over a couple of deers or goats. In this podcast we will explore what a hinting season is and how 18-36 months of your time could change your life projection. 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.

Leighton Roberts CEO and co-founder of Sharesies stops by to answer your questions and several others about the journey and future of Sharesies including whether your shares are safe and how to get your kids started in investing. 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.

For those with student loans, 12% of all income above the IRD threshold ($22,828 at present) has to be repaid against the student loan. This is calculated on your gross income (before tax) not your net income / take-home income. They are feeling the pinch from the cost of living and tax brackets not moving. No wonder they are finding it hard to then save money also. 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. 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.

Recent data from October suggests that there has never been a more unaffordable time to buy a home if you are a first-home buyer. We dig into the data to have a look at how this could be given house prices have decreased and what you need to be thinking about if you are hoping to buy soon. 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.

Often I get messages from people wondering what is the best platform to buy shares on, what is the best bank to get a term deposit with, who has the best interest rates, its goes on and on. Normally, I don't have the answers but it does get me thinking about why people are so scared to get things wrong and take risks. Is it because things have been so easy in recent history? Let's explore and get some of you ignoring part of the risk and learning to take action. 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.

We finally have a confirmed new government and Mikey takes us through some of the changes that we might expect in the coming years. What will this mean for you and what do you need to focus on? Let's have a look. 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.

[Hey bro, today we did it!! Unconditionally sold our “forever home” We were $1m in the hole(debt) paying crook interest mate ($70,000pa).] I received this thought provoking message from a reader. I thought this one might interest you. What decisions did you make at 2% interest rates that you wouldn’t have made at 6 or 7% interest?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.

Mikey is back in the studio to fill us in on his thesis around why he thinks interest rates are going to decrease in 2024 which will be exciting for some of you mortgage holders. Let's find out why that might happen and it why might not be great for all of us.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.

My partner came to me and said that the listeners need to know a bit more about my softer side and some of the things you may not know about me. She sits me down with a stack of questions and fired them at me. Hopefully there are some lessons in here and no doubt some ins gith to the way I think about things. 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.

Stats NZ has recently released updated data on kiwi households' net worth. To the end of the June quarter, NZ has a total of $2177billion in combined household net worth. At the height of the asset(s) bubble and before things started to really turn the other way, the total household net worth was around $2432billion. Where’s it all gone?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.

Have you heard the story background story of Siya Kolisi, an inspiration. The South African Rugby Wolrd Cup winning captain explains a bit about his journey in a keynote that I thought may inspire a number of you. 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_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Apparently it’s smart to diversify when it comes to investing. What does that even mean? And how do we think about this for our individual situations given they are so different? Rupert Carlyon is here to explain another complex topic and make it sound simple. Get diversified.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 got a bit of a fright last week when I logged into Sharesies and saw one of my stocks had increased by 60%. I refreshed the page a couple of times to make sure there wasn't a minus sign that had failed to load. But no, legit, 60% gains baby! So what happened?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.

People often joke that the boomers had it easy when it comes to the housing market but did they really? What about all the things that we have in the modern day that they didn't have. This podcast is inspired by a listener request, if you'd like to send in your request please do so. EnjoyHey 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.

2023 EY entrepreneur of the year finalist Mark Edwards joins us to explain how an idea turned into selling 100 prams in year one and now more than 10,000 a year. The story of Edwards and Co’s growth including the ups and downs.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.

The unemployment rate has risen to 3.9% from 3.6% last quarter. It’s slowly increasing. Often people ask why we would want unemployment to increase? Shouldn’t we want more people working? Statistics NZ tells us that 118,000 people are currently unemployed. Why would we want this number to increase? Let's try and figure it 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. 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.

The big P word that people talk about but no one ever explains. I sit down with Rupert Carlyon who has been publishing a lot of information in this space so that we can understand it better AND think about what our country could look like if we took it more seriously. Since we probably won’t, we get stuck into ways as individuals we can be thinking about this important concept.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.