Avsnitt
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Today Amy from Levridge breaks down some real client examples of New Zealander's building wealth.
The pattern is clear: small tweaks in the right direction and knowing why you're doing it create massive differences over time.
Everyone's at a different starting line, running a different race. But the ones getting ahead all have one thing in common: they got good advice and took action.
We cover relationship property agreements, why your home isn't actually an investment, the importance of accountability, and how restructuring debt can save thousands in tax. Plus, why sometimes the best financial advice is to do nothing at all.
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 : [email protected]
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.
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I’ve heard this more times than I should.I am sure you would have heard it before. You may even believe it. It is perhaps the most dangerous money belief you can have. So let’s explore how we could look at this from some different angles and perhaps encourage others to do the same.
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.
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Saknas det avsnitt?
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Over 90% of Kiwi workers now use AI, but most companies haven't provided official tools yet. Mikey and I break down what's really happening and what's coming next.
We cover the productivity gap where employees are much faster than their bosses realise, using AI for everything from drafting reports to summarising legal briefs in seconds. We explore why GDP hasn't grown despite this AI boom, the jobs that will disappear versus those that will thrive, and whether Universal Basic Income is the answer or just creates more problems.
The arbitrage opportunity exists now, but once everyone has access to AI, no one has an advantage. The window is closing.
Luke and Mikey discuss the investment bubble around AI (everything gets "AI" added to the name and stock prices explode), why some businesses will get crushed while others use AI to become more efficient, and the importance of focusing on what you can control rather than getting distracted by shiny objects.
The world is changing fast. The question is: are you adapting or getting left behind?
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 : [email protected]
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.
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Every now and then, I see the same scary stat get thrown around. “70% of small businesses fail within the first five years.” I don’t know who started this, but it’s usually said with the same typical Kiwi certainty of those non-players who could coach the AB’s to a World Cup or slot one from the sideline. But because I am slightly unwell, I started trying to figure out where that statistic even came from and if I could find it. Turns out that stat is misleading at best and often flat-out wrong.
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.
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Budget 2026!!! I went to the live from the beehive. There were hundreds of pages of forecasts, funding announcements, assumptions and political chat. I’ll be honest I didn’t read every page. The challenge was trying to work out what actually matters to everyday Kiwis like you. So a few (not all) of those 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.
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Luke caught up with Greg Smith, investment specialist at Generate to break down everything you need to know about the 2026 budget. From changes to FIF rules, to the new infrastructure developments and what it means for everyday New Zealanders.
Find Greg:
https://www.linkedin.com/in/greg-smith-cfa-07214215/
https://generatewealth.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 : [email protected]
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.
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Dave Wood is one of New Zealand's leading experts on stress control, from working as an intensive care paramedic to coaching some of the UFC's top fighters, and today I sat down with him to understand how to better harness & control our own stress.
Dave breaks down the crisis of unprecedented levels of stimulation in the modern age, how to control your stress level and the breathing techniques anyone can use to see results for themselves. Your ability to control your state under pressure is a skill, it's time to develop it.
Reach out to Dave at [email protected] or https://wmw.co.nz/contact/ and mention KTC for 10% off any of their products, only available up until June 30th 2026.
Find Dave:
Website: https://wmw.co.nz/
Instagram: https://www.instagram.com/integrated.training/
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 : [email protected]
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.
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Mark from Feijoa built an app that rounds up your spending and puts it straight into KiwiSaver. 3,000 users are now contributing hundreds if not thousands per year extra without thinking about it.
Mark breaks down how it works, we cover why they chose KiwiSaver first, the 1.6 million who don't regularly contribute, and how roundups solve the behaviour problem traditional saving can't.
We cover the regulatory hurdles, why they use open banking, and the expansion plans into managed funds and ETFs. Plus Mark's fundraising journey, from bootstrapping to raising $750K to scale the marketing and tell more people about automatic saving.
Find more information on Feijoa at https://feijoa.kiwi
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 : [email protected]
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.
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The question a grandparent asked me this week. They had been tucking money away weekly for their grandchildren and wanted to know if they were missing something by not investing the money. They currently save it into a bank account. Great intentions but times have changed a bit! Over long periods of time, investing can dramatically outperform cash sitting in a bank account. So how do we go about it?
Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via 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.
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New Zealand liquidations have hit a 15-year high, the highest since the GFC. Todays guest is lawyer Brent Norling who's receiving 160 calls a month from businesses drowning in tax debt, one of the main driving factors of these liquidations.
IRD debt has exploded from $2.5 billion to $9.5 billion, with the next update likely starting with a 10. The pattern is often the same: lose money on a job, do the next job to pay for the previous one, then use IRD and creditors to fund the shortfall until it all collapses.
We cover why employees get burnt when Kiwisaver deductions aren't paid, the construction domino effect when big companies fail, and why most directors never get prosecuted despite owing millions. Plus the harsh reality: if you're using IRD as your bank, you're competing unfairly until you get caught.
The liquidation wave is here. Don't be next.
Find Brent:
Website: https://norlinglaw.co.nz/
Linkedin: https://www.linkedin.com/in/brent-norling/
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 : [email protected]
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.
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That subject line sounds so sexy. But one of my first jobs out of uni was not so sexy. Being an auditor. Don’t you dare judge me. This meant that in my early 20s, I worked inside councils, universities, government organisations, and powerline companies reviewing payroll systems and employee records. I think this experience mattered more than I realised at the time. Because once you’ve seen the data, it becomes harder to believe the story that earning well is impossible.
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.
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Today we're talking about the all important subject of how where you live impacts not only your finances, but your life in general. Answering the questions of should you move somewhere cheaper to save money? Or does it make sense to live in a more expensive area to go after opportunity? Should you buy someone with a long commute, or rent somewhere without one? All of this and more in todays episode.
But we want to hear from you too, whats worked for you? What have you learned?
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 : [email protected]
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.
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There is no hard and fast ‘business or hobby?’ number, so let’s explore how it works. To start with, let’s keep it simple. A hobby = done for fun. Probably one off or done rarely. A business = done to make money. Consistently. However, it’s not what you call it. It’s how it looks.
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.
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Michelle Morfett has a cake shop, a self published cookbook, an ecommerce site, a thriving social media presence and manufactures her own baking tins.
Today she breaks down how she built multiple income streams, we cover why she turned down publishers, and why diversifying income streams gives her confidence.
We cover the loneliness of entrepreneurship, why she lost all shame about posting content, and how social media became essential after initially building a business without it.
Sometimes the best business strategy is just backing yourself to figure it out.
Find more info on Michell:
Instagram: https://www.instagram.com/michellemorfett/
YouTube: https://www.youtube.com/@MichelleMorfett
Website: https://michellemorfett.com/
Mint Cakery: https://mintcakery.com/
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 : [email protected]
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.
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Today, I want to tell you about a new Kiwi fintech called Feijoa. But first, full transparency: after being a customer, I ended up investing in their recent funding round and am now a VERY, VERY small shareholder. So yes, you could 100% argue I’m biased. It is my first 'Fintech' investment, and I am looking forward to taking you on that journey of how that space works, where appropriate also. With that said, I’m going to give you the straight view as always, and why I kicked some of my hard-earned money 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.
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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
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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: https://sharesies.com terms and conditions apply
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.
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Mike Sutherland bought a tiny brewery in Leigh with very little brewing experience. Now, Sawmill produces almost 2 million litres a year and employs 50+ people.
Mike breaks down the journey from learning to brew from a textbook, competing against Lion and DB's exclusive contracts, and building the business through farmers markets and word of mouth. We cover the 1am phone call that changed everything - "the brewery is on fire" - and how they kept growing while rebuilding everything from scratch.
The fire destroyed one end of the building, but Mike never considered quitting. They brewed at 15 different breweries during the rebuild and came back stronger.
We cover the morning tea rule (everyone stops at 10am, no phones allowed), why they focus on bars and restaurants over supermarkets, and the B-Corp certification that proves you can run a sustainable business with a sustainable bottom line. Plus why Mike thinks New Zealand needs to keep control of its food and beverage assets instead of selling them overseas.
From reluctant employee to brewery owner employing 50 people, sometimes you have to take the leap to find what you're meant to do.
Find more info on Sawmill:
Website: https://www.sawmillbrewery.co.nz/
Instagram: https://instagram.com/sawmillbrewery/
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 : [email protected]
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.
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New Zealand ranked last out of 11 Asia-Pacific countries for business growth for the second year in a row. And I don’t think it’s JUST because of the economy. The data suggests it’s because of who’s running it. One factor is something we are scared to talk about. Let me explain.
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.
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Andrew Rooney started making drum videos as a personal library for his students. Now he's got 177,000 subscribers and makes more from YouTube than he ever did gigging.
Andrew breaks down the accidental journey: from "Coffee with Rooney" Facebook lives during COVID to viral drum reaction videos that hit 3.5 million views. We cover why he gave up thousands of gigs to focus on content creation, the loneliness of building something while others have normal jobs, and how sponsors found him instead of the other way around.
The video that changed everything was filmed on a Samsung S5 with terrible audio while he had a cold, sometimes imperfect action beats perfect planning.
We cover the income streams most people don't know exist (AdSense, Patreon, sponsorships), why Americans are more generous with support than Kiwis, and the mindset shift from trading time for money to building an audience.
Your expertise is valuable. The internet just makes it scalable.
Find Andrew on YouTube: https://www.youtube.com/@AndrewRooneyDrums
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 : [email protected]
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.
- Visa fler
