Keep The Change
Keep The Change - improving Kiwis financial literacy. Ever wanted to learn more about money, the economy, finances and how to have a better financial life? Now you can. This is one of New Zealand's leading financial learning podcasts. I (Luke) wanted to share insights from my life, my role as a Chartered Accountant with successful and failing clients as well as a look at all of the dumb sh!t I have done along the way too. There is also a read of the weekly 'Money Mail' lesson. Please take action :) You can subscribe to the weekly Money Mail...
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Buying Your First Home in NZ in 2026? Watch This First
<p>Most first home buyers are back with low deposits and record-high debt, often borrowing with less than 20% deposit.</p><br><p>Luke and Mikey break down the reality: people are stretching themselves thin with low equity loans that cost more in interest. We cover why you need to understand the true cost (not just the mortgage payment), the risks of buying with minimal deposit, and what happens when house prices drop while you're over leveraged.</p><br><p>Don't let FOMO drive the biggest financial decision of your life. Understand what you're signing up for first.</p><br><p>...
Money Mail 300
<p>Today marks 300 episodes of KTC Money Mail. 300 editions ago I was sitting in my one-bedroom apartment during lockdown, getting started. Hitting send on edition one. Today this will go to tens of thousands of people across various platforms. So how to we summarise the 300 editions? Let's try!</p><br><p>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 soci...
What Every Kiwi Needs To Know About Financial Planning: Amy Po Ching
<p>Amy breaks down why most people feel confused about money... They know what to do but don't do it, they can't articulate what they actually want, and they're stuck thinking "we want to create wealth" without knowing what for. </p><br><p>80% of people know what's good for them but don't follow through. They want passive income but can't explain why. They want to build wealth but haven't defined what success looks like.</p><br><p>Money is just the tool. It's the vehicle that gets you from A to B. Nothing more, nothing less.</p><br><p>We...
MM 299 - HOW They Cleared $100k Of Destructive Debt (Pt 2.)
<p>These words stood out to me and should for you too. “It’s been a slog, and I've made many mistakes, but I have grown so much I feel like I'm a completely different person’’. That’s the real win. Becoming the version of yourself that you know that you could be! So HOW did they do it?</p><br><p>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 mone...
How To Obliterate 2026 with Mikey Smith
<p>2026 is going to be wild. AI will start eating jobs, currencies might collapse, and New Zealand has an election that could get divisive. The question is: are you ready?</p><br><p>Luke and Mikey break down how to dominate 2026: take action now while others wait, build psychotic belief in yourself, and use AI as your unfair advantage instead of fearing it. We cover why the people who prepared in 2024-2025 will get rewarded big time, the AI arbitrage opportunity most people can't see, and why complacent people are screwed.</p><br><p>The winners of 2026 will be the...
MM 298 - Clearing $100k Of Destructive Debt (Pt 1.)
<p>As we close in on Week 300, I want to share with you an email I received recently and some of the key principles. ‘’For a long time, I let my lack of education and some really destructive self-talk become my narrative. I spiralled into a lot of debt - managed to rack up over $100k worth of the stuff and I have no one to blame but myself. I was spending money recklessly and committing my future wealth on stupid things like motorbikes, overseas trips, and nights out. Nothing useful, I was simply trying to fill the then ever grow...
What To Expect In 2026: Stocks, Inflation & Kiwisaver w Greg Smith of Generate
<p>2025 was a strange year for investors, but 2026 could be even stranger. Generate's Greg Smith breaks down what every Kiwi needs to know.</p><br><p>We cover the investment trends shaping 2026: why diversification matters more than ever, emerging markets and the political chaos that's coming with Trump's new policies. Plus the New Zealand outlook, why our market hit record highs but still disappointed compared to global returns.</p><br><p>Greg shares his predictions for interest rates, the Fed chair drama unfolding in the US, and why Kiwisaver changes mean you need to pay attention. We also discuss the...
How Much YouTube Paid Me For 1.6M Views In New Zealand
Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail<p > Hosted on Acast. See acast.com/privacy for more information.</p>
Capital Gains Tax Will NOT Lower House Prices (here's why)
<p>Labour recently announced a 28% capital gains tax on rentals, batches and commercial properties. Politicians say it'll make housing affordable, but the data says otherwise.</p><br><p>Luke and Mikey break down why this won't work: no country has ever lowered house prices with property taxes, wealthy people will just borrow against assets instead of selling, and the revenue projections are fantasy. To get $965 million in year three, they need $3.4 billion in property gains - in this economy?</p><br><p>New Zealand is taxed up to your eyeballs. Everything you touch has a tax, levy, or fee. </p><...
MM 297 - 2026 On Easy Mode! Get Good, Get Known
<p>‘If no one knows you, money won't flow to you’ - simple but confronting words that stopped me in my tracks a long time ago. Unfortunately, for many, many Kiwi people we are allergic to getting known. But you’re getting in your own way, over complicating it all. All you have to do is be good at something and have people know that you are. That’s all it is now. Keep it that simple to win and progress.</p><br><p>Hey thanks for listening! Please take some form of action from this content, don’t just be a consum...
