Keep The Change

New Zealand's at a crucial point in our history with infrastructure, where if something doesn't change soon there could begin to be a crisis, so today Im speaking with CEO of Infrastructure New Zealand, Nick Leggett, to find out whats actually happening. Find Nick: Linkedin: https://www.linkedin.com/in/nick-leggett-a054a559/ Website: https://infrastructure.org.nz/ Keep The Change unplugged is back for 2026! Get your tickets here: https://www.ticketmaster.co.nz/keep-the-change-unplugged-2026-takapuna-beach-06-11-2026/event/240065149252251C Amy from Levridge is now leading Guardian Financial Planning, helping Kiwi's make smarter financial decisions and build a future with more financial freedom. Book a FREE 15 minute chat with Amy at https://financialplan.co.nz Stuck? Find Amy: amy@guardianfinancialplanning.co.nz Instagram: https://www.instagram.com/amy.financialplanner/ Website: https://www.financialplan.co.nz/ Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

We seem to have a cost of living crisis running alongside a cost of FOMO crisis? The politicians tell us it's the number one election issue. Meanwhilst people are standing in a queue for $17 frozen yoghurt with chocolate on it, queueing online to get tickets to events. And I think social media might be pouring petrol on it. The TikTokification of spending if you will. Let's explore this one! Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

In my lifetime Ive gone from earning minimum wage delivering junk mail, to being an entrepreneur earning north of $400,000 per year all here in New Zealand. Today Im breaking down my journey, what jobs I had, at what age, how much I earnt and the lessons I learnt alone the way. Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Follow on Instagram for more content: https://www.instagram.com/keepthechange_nz Hosted on Acast. See acast.com/privacy for more information.

Recently Generate Wealth went out and surveyed 500 people on investing & kiwisaver, so today we're sitting down with Nathan Stanners to summarise 5 of the key themes that get in the way of New Zealanders building wealth. Nathan's worked with over 1,000 New Zealanders as an advisor, seeing whats actually working for everyday Kiwis. Find Nathan: https://linkedin.com/in/nathan-stanners-generatekiwisaver/ https://generatewealth.co.nz Keep The Change unplugged is back for 2026! Get your tickets here: https://www.ticketmaster.co.nz/keep-the-change-unplugged-2026-takapuna-beach-06-11-2026/event/240065149252251C Amy from Levridge is now leading Guardian Financial Planning, helping Kiwi's make smarter financial decisions and build a future with more financial freedom. Book a FREE 15 minute chat with Amy at https://financialplan.co.nz Stuck? Find Amy: amy@guardianfinancialplanning.co.nz Instagram: https://www.instagram.com/amy.financialplanner/ Website: https://www.financialplan.co.nz/ Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

What if 2027 is a year of rising interest rates? Could you budget cope? Let's get ready BEFORE it is reality. Don’t build your household finances around the assumption that a political party, a Reserve Bank or a new calendar year is coming to save you. 2027 could be much the same as 2026. Be ready! Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

Kiwis are awash with debt, buy now pay later, credit cards, vehicle finance, store cards and thats before we even talk about mortgages or student loans. Today we're diving into what these forms of debts are, what you need to be careful of and how you could get yourself out of it. Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Follow on Instagram for more content: https://www.instagram.com/keepthechange_nz Hosted on Acast. See acast.com/privacy for more information.

A couple months ago I sat down with Amy from Guardian Financial Planning to help build out a rough financial plan for myself, including some of my beliefs around money, today we're doing part two of that session diving further into the topic. Enjoy! If you missed part one, you can watch it here: https://www.youtube.com/watch?v=c-mb9TPldY0&t=1371s Amy from Levridge is now leading Guardian Financial Planning, helping Kiwi's make smarter financial decisions and build a future with more financial freedom. Book a FREE 15 minute chat with Amy at https://financialplan.co.nz Stuck? Find Amy: amy@guardianfinancialplanning.co.nz Instagram: https://www.instagram.com/amy.financialplanner/ Website: https://www.financialplan.co.nz/ Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

I stopped for the same coffee at two different cafés. Café #1 charged me $5.50. Café #2 charged me $6.50. These two cafés are less than 200m apart. So how can two businesses, selling essentially the same product within a couple of hundred metres of each other, have nearly a 20% difference in price? Very easily, let's explore! Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

Iyia has built multiple successful ecommerce businesses of her own over the years before shifting towards teaching others how to do the same, today she's on the podcast to share whats working in the world of ecommerce not only for herself, but her students too. Find Iyia: https://www.instagram.com/iyialiu Amy from Levridge is now leading Guardian Financial Planning, helping Kiwi's make smarter financial decisions and build a future with more financial freedom. Book a FREE 15 minute chat with Amy at https://financialplan.co.nz Stuck? Find Amy: amy@guardianfinancialplanning.co.nz Instagram: https://www.instagram.com/amy.financialplanner/ Website: https://www.financialplan.co.nz/ Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

Did you know: In 2022, the S&P 500 dropped 19.44%. It actually plunged nearly 27% from its peak before recovering slightly toward December. Could you stomach that volatility? Becasue plenty of my DMs seem to think that they can't get beat when investing. Are we getting too confident? Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

Darren's not your typical bakery owner, he loves the warriors, uses social media to promote his business and sells his pies for close to double what other bakeries do, and importantly, its working well for him. In this episode we're breaking down exactly how he's done it and what he's learnt along the way about the restaurant/cafe business, content, and what he'd do if he was starting over again today. Find Darren: https://www.instagram.com/dazzas_cooked/ https://ashbypies.co.nz/ Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

I remember my first job. I was about 12 years old, riding around on a one-speed BMX delivering junk mail. New World coupon books were always a test on how many the back and backpack could hold at one time before I needed to reload. I made a video going through all the different jobs I've had and how my income has changed over my lifetime. Something magic happens in the comments when you start talking about your first job or first wage! People start sharing their first job. So what was yours? Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

There is a pretty good chance KiwiSaver has just passed $150 billion. The latest numbers from Morningstar as at 30 June 2026 had KiwiSaver at $147.7 billion invested. Since 30 June, sharemarkets have continued trending up and US markets have recently been hitting new all-time highs. It has taken 16 years to hit the first $100billion, so how long until it doubles? Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

In this conversation, I sat down with Susannah Batley, GM of Business at Sharesies, to talk about how employees are building wealth through shares in the companies they work for. We get into what the future paypacket is in New Zealand, why salary alone isn’t enough, stories of people building wealth through equity and much, much more. Create an account with Sharesies using the code 'KTC10' and they will match your first $10 deposit with an additional $10 to get you started investing. Terms and conditions apply. Visit: https://sharesies.com for more information. Investing involves risk. You aren’t guaranteed to make money, and you might lose the money you start with. Any information we provide is general only and current at the time prepared. For advice we provide, see our disclosure statement. This is a paid promotion and is not financial advice. The KTC10 promotional code is offered by Sharesies Limited. Terms and conditions of this offer apply. These terms apply in addition to Sharesies General Terms and Conditions, Invest Terms and Conditions, and Privacy Policy. Find Sharesies on: Website: https://www.sharesies.nz/ Instagram: @sharesiesnz Facebook: https://www.facebook.com/Sharesies/ Hosted on Acast. See acast.com/privacy for more information.

Too many New Zealanders (and people in general) find themselves trapped in a job or situation they don't want to be in, but they simply can't leave because of the financial side of things. Today, Mikey & I are diving into how you can take control of your situation and create a better life for you and those around you. Find Mikey: https://guardiansmith.co.nz/ https://instagram.com/officialmikeysmith Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

The development of robotics is becoming a bigger and biggest industry these days, seemingly growing faster than ever, so today Im sitting down with an expert in the field, Lachlan Murray to find out whats happening. Lachlan started his company 'Robomate' and within a few years has grown from 3 to 75 staff, with no signs of slowing down. We dive into what humanoid robots are, how they're going to change the way humans live, misconceptions about the industry and lessons he's learnt so far growing his company. Find Lachlan: https://robomate.co.nz/ https://www.linkedin.com/in/lachlan-murray-32a432150/ Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

Last day in South Africa! Here's a recap so far... Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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 was reflecting on a top performing podcast from earlier this year focused around building wealth. If I had to boil down a 55-minute conversation with financial adviser James Blair into one sentence, it'd be: Your biggest financial risk isn't making a mistake. It's standing still. Doing SFA. And the election has me seeing clients tell me some of their customers are waiting to commit. Before this election gets even louder, pick 1 thing that will build wealth long term. If you haven't listened to the podcast with James, I'd highly recommend giving it a crack. YouTube: https://www.youtube.com/watch?v=DQ5VOpoa0Ow Spotify: https://open.spotify.com/episode/603ptFB1Z1ZMWrCvEWu4Vi?si=om1DHS4IRuOO5hk6Z6ZpOg Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

Nearly three years ago Mikey & I did a podcast about 'the hunting season' a period of your life where you spend 18-36 months focused on getting after what you want. After that resonated with people, and we saw many KTC listeners go through that period, the natural question was; whats next? That brings us to today's episode, diving into the next season required for success, the boring season. If you haven't listened to the hunting season podcast, go back and have a listen here: https://open.spotify.com/episode/5qJ5YYe18oQ271qRTKueRI?si=121876623aea4cf3 Find Mikey: https://guardiansmith.co.nz/ https://instagram.com/officialmikeysmith Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

First home buyers are grabbing record market share in NZ, making up nearly 30% of all property purchases. I remember going through the process and learning A LOT! It’s exciting, but it's also one of the easiest times to make a bad financial decision. I recently sat down with the CEO of Guardian Smith, Mikey Smith to talk about what their mortgage advisory firm is seeing in the market. Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

Solar power is all the talk right now, especially after supply chains started creating pressure on petrol prices earlier this year. But is it all hype? Or is there genuinely an incredible opportunity for us to harness the sun and go electric here in New Zealand? Today Im speaking with Mike Casey, founder of Electric Cherries, a cherry orchard in Cromwell powered entirely by electricity and solar. We discuss the truth about solar, how it can be finances, what kiwis need to know about it and what the future holds. When it comes to investing, everyone is focused on the stock market, crypto or the housing ponzi, but could this be an opportunity sitting right in front of us? Find Mike: https://www.instagram.com/electricorchardist/ Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

"I can't find a job." "I can't find good staff." I spend a lot of time talking to New Zealanders and I can hear both of these statements in the same week. It doesn’t make sense? If unemployment has climbed to 5.6%, (the highest in 11 years), shouldn't employers have plenty of people to choose from? Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

Today Luke sits down with Duncan Wood, founder of Boomfa Vintage, to unpack how a side hustle selling secondhand rugby jerseys on Instagram turned into a full-time business. Duncan shares the mindset shift it took to quit a stable corporate sales job, the fear of breaking the GST threshold that held him back for years, and how posting daily content eventually landed him on the field at an NRL Grand Final. It's a raw look at the risk, patience, and consistency behind building a real business out of a genuine passion. Find Duncan: Website: https://boomfavintage.com/ Instagram: https://instagram.com/boomfa_vintage/ YouTube: https://youtube.com/@duncanwoodNZ Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

Over the past few weeks, things have started to feel...normal again. (I have probably jinxed us now!). Even a mate said to me ‘Yeah it’s nice to have a break from the crises but we are surely due for another one 😂’. The next crisis isn't something you'll see coming months in advance. It will probably arrive in a completely different form to the last one. Let's get ready... Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

Huia grew up in a single-mum household on Waiheke Island where money was never talked about, then found herself as an adult who was, in her own words, "absolutely the wrong person to have a credit card." She opens up about her tertiary overdraft that took years to clear, the guilt she still feels using money for anything beyond basic needs, and how marrying into a family who talked openly about wealth completely changed her relationship with money. This isn't an expert interview, it's a real, honest conversation with a KTC listener about the messy, ongoing journey of figuring money out. Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

There seems to be a theme in my DM's from people in their 20s. Probably nothing new to be fair! When I was in my twenties, I wanted things to happen faster too. I've now interviewed hundreds of successful people across New Zealand. The pattern is often pretty boring. Almost every one of them eventually picked one thing and stayed with it for years. So, with that said, some advice: take it or leave it. Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

Whilst Simon was in his early 20's he was making more than the prime minister of New Zealand, despite dropping out of University. He then left his job at 25, built his own business and went on to sell it for many millions of dollars. He's sold 4 businesses by the age of 38 and made the Deloitte fast 50 3 times... In this episode, he breaks down how you can actually build wealth in New Zealand. Find Rolland: https://www.linkedin.com/in/simon-rolland-6751bb8b/ https://www.zurix.co.nz/ Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

Recently, a 17-year-old asking if he could pay me for an hour of business advice. What in the helly! I jumped on the call. 2 of them turned up. For me, I wanted to understand what a teenager was doing that made him think investing in advice was worthwhile. For the big reveal, turns out he and a mate spend their weekends knocking on doors, offering one simple service. Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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 I went down to Wellington college to teach their students about money, and took along my videographer to capture the day for you. Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Follow on Instagram for more content: https://www.instagram.com/keepthechange_nz Hosted on Acast. See acast.com/privacy for more information.

For a change Luke's in the hot seat as Amy from Levridge turns the tables and works through his own financial plan and money beliefs. They cover his childhood money beliefs of scarcity and "ask your father," his surprisingly casual approach to retirement planning at 38, and the realisation that he might be more frugal than he needs to be after building a business that's given him the ability to say no. This is Luke stripped of his usual expert role, doing the same deep work he asks his listeners to do, and bringing you along for the journey. Download Amy's workbook here to go through these exercises yourself: https://www.levridge.co.nz/workbook Find Amy: https://levridge.co.nz/ https://instagram.com/amy.levridge Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

I think we're seeing something that doesn't get talked about enough. We're increasingly seeing two different economies. One with a lot of disposable money and one without. So how is this going to play out if interest rates keep increasing? Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

In todays episode Luke sits down with Mikey from Guardian Smith to break down everything first home buyers need to know about getting a mortgage in 2026... From 5% deposit options most people don't know exist, to why the bank's test rate is still sitting close to 7% even when your actual rate is much lower. W cover the mistakes that kill mortgage applications , why having a flatmate could dramatically increase your borrowing power, and how offset mortgages could save you hundreds of thousands in interest. If you're thinking about buying your first home, this is the most practical conversation you'll find on how the mortgage world actually works in New Zealand right now. Find Mikey: https://guardiansmith.co.nz/ https://instagram.com/officialmikeysmith Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

4 in 10 New Zealanders say they couldn’t access $5,000 within a week without going into debt if an unexpected emergency came up. $5,000 sounds like a lot of money and will be to many people who read this. Whilst others will feel that $5,000 is stuff all. Remember that finance is personal. But does it really go that far anymore? Well we better at least make sure we've got $5k sorted! Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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.

Most young Kiwi have bought into the belief that home ownership is impossible. Yet Sarah from Guardian Smith bought her first home at 25, after selling her car and riding a mountain bike to save the last $10K of her deposit. Sarah breaks down what's actually working for young buyers: Kiwisaver contributions, the 5% deposit first home loan scheme most people don't know exists, and the strategy of buying a home and getting mates to pay board... Covering a huge chunk of the mortgage while building equity instead of paying someone else's mortgage. The average first home buyer age is 37. Sarah's youngest client bought at 22. The difference? A clear goal, consistent saving, and the belief that it can actually be done. We cover why 20% deposit is a myth, how to get pre-approval ready even if you're not there yet, and the sacrifices that separate people who buy young from those who wait decades. Plus Sarah's journey from math teacher to mortgage broker. It's still possible. You just need to know how the game actually works. Find Sarah: https://instagram.com/mortgagebrokersarah_ Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

Sharesies have recently launched the Sharesies Debit Mastercard that earns its customers 1% Investback.That’s $1 in investments for every $100 they spentd on the card. I sat down with Scott Nixon, the General Manager of Personal for Sharesies, to ask your questions about the card. Create an account with Sharesies using the code 'KTC10' and they will match your first $10 deposit with an additional $10 to get you started investing. Terms and conditions apply. Visit: https://sharesies.com for more information. Investing involves risk. You aren’t guaranteed to make money, and you might lose the money you start with. Any information we provide is general only and current at the time prepared. For advice we provide, see our disclosure statement. This is a paid promotion and is not financial advice. The KTC10 promotional code is offered by Sharesies Limited. Terms and conditions of this offer apply. These terms apply in addition to Sharesies General Terms and Conditions, Invest Terms and Conditions, and Privacy Policy. Find Sharesies on: Website: https://www.sharesies.nz/ Instagram: @sharesiesnz Facebook: https://www.facebook.com/Sharesies/ Hosted on Acast. See acast.com/privacy for more information.

We were flying from the US to Canada for the next game and needed a Canadian visa of some sort. Didn’t know this until ole mate at the counter told me we couldn’t fly unless we could show the visa. So I did what most people do. I Googled it. Clicked one of the first links. Rookie mistake! Let me tell you about it in more detail. Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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 other Saturday morning I spent two hours helping a music teacher with ideas on how to scale his side hustle. I hope you've checked it out? Because he has exactly the same problem that people around NZ have. He has a skill and people are willing to pay for it. But his income is limited by one thing…his time. You sell your time, BUT eventually you hit a ceiling. In the 2 hour recording with Al we try break the back of scaling his side hustle up. Pssst...fuel your day with better nutrition (20% off first order): Radix.co.nz/KTC 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 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.

Today Im sitting down with Michael Rehm, a professor of property at the University of Auckland, to discuss everything going on in the housing market here in New Zealand. From false beliefs about the market, to how we can make housing more affordable and everything in between. Michael Rehm is one of New Zealand's leading property researchers who's been studying the market for 25 years, to find out what's really driving house prices and whether the easy property gravy train is finally over. If you've ever wondered what drives property prices and whether property is still the path to wealth in New Zealand, this podcast is for you. Find Michael: https://www.linkedin.com/in/rehmnz/ Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

After seeing how much you guys loved the pod we did at the start of the year covering 'how to obliterate 2026' we're back with a 6 month update to keep you on track. Covering whats going down, whats changed in the world and what you need to be aware of, plus an update on Luke's stock picks. Find Mikey: https://guardiansmith.co.nz/ https://instagram.com/officialmikeysmith Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

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.

Today Im sitting down with Albert, a full-time teacher with a side hustle teaching private music lessons. His problem is he's maxed out on time and can't take on more students so this consulting session is with the goal of helping him figure out how to package his expertise, charge what he's actually worth, and build leverage so he can help more people without working more hours. If you've got a side hustle that's hit the ceiling, this live consulting session will change how you think about scaling it. Find Albert: https://www.instagram.com/albert.lee.educator/ Amy from http://Levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning. Stuck? Find Amy : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridge Website: https://www.levridge.co.nz Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

A few weeks ago I asked a simple question and the answers were bloody thoughtful and honest. Have a think about how you would answer that. And maybe it’s based on what you wish you knew now? Here is a summary of what came through in the comments. AND one suprising one that was missed! 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 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 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.