Keep The Change
Keep The Change is a New Zealand-based financial literacy podcast hosted by Luke, a Chartered Accountant. The show aims to improve listeners' understanding of money, the economy, and personal finance through insights from Luke's professional experience and personal mistakes. Each episode includes a reading of the weekly 'Money Mail' lesson, and listeners are encouraged to subscribe for more content. The podcast is produced by nextAdvisory and is available on Acast.
Episodes
Employee Share Schemes: What Every Kiwi Should Know
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 the
How To Stop Being Trapped In A Job You Hate
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/officialmikeysm
Building One of NZ's Fastest Growing Robotics Companies
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 c
We Survived South Africa - Rugby's Greatest Rivalry
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/KTCHey 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 o
MM 329 - ‘I’ll Wait Until After The Election’ (What, To Build Wealth?)
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
The Secret To Getting Ahead In Life: 'The Boring Season'
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
MM 328 - Buying Your First Home? Ask Yourself These Questions
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
Is Solar The Best Investment In New Zealand Right Now?
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.
MM 327 - Why Are Employees & Employers BOTH Frustrated?
"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/KTCHey thanks for list
Building New Zealand's Biggest Vintage Rugby Business
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 Gran
MM 326 - The Next 'Crisis' Is Coming...Do You Know What It Is?
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 wit
A KTC Listeners Journey With Money - Huia Pocklington
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 we
MM 325 - Dear Young Peopel: Getting Rich Takes Time
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
Making $400k at 24 and Millions in his 30’s. What’s It Like?
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
MM 324 - 2x 17yo. Making $1,000 In A Day. How?
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 bett
NZ Accountant Tries To Teach 15 Year Old's About Money
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/moneymailFollow on Instagram for more content: https://www.instagram.com/keepthechange_nz Hosted on Acast. See acast.com/privacy for more information.
LIVE: My Financial Plan & Beliefs Exposed with a Financial Planner
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 sa
MM 323 - K Shape Economy Anyone?
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/KTCHey thanks for listening! Please take some form of action from this content, do
How To Get A Mortgage In New Zealand: Mikey Smith of Guardian Smith
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 dramatic
MM 322 - 4 In 10 Kiwis Couldn’t Find $5,000 This Week
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...f
Is It Still Possible For Young New Zealanders To Buy A Home? Top Mortgage Broker Reveals
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 bu
Sharesies Answer Your Questions About Their New Investback Debit Card
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
MM 321 - I Paid $159US For An $8 Travel Form
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): Rad
MM 320 - How To Scale A Side Hustle In NZ
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 w
WC Wrap: I Came Home
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
New Zealand Property Market: Whats Really Happening?
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 w
How To Obliterate The 2nd Half Of 2026: with Mikey Smith
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/officialmikeysmithAmy from http://Levridge.co.n
WC26 - Vancouver. Value? Visas!
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
Live Business Consulting: How To Build Your Side Hustle In 2026
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 s
MM 319 - 1 Thing You’d Want Your Kids To Understand About Money?
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 pro
WC26 - The English Kane Croatia (& Beers)
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
WC26 - Game Day. Goals. Gratitude.
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
Financial Planner Reveals: How Everyday Kiwis Are Building Wealth
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 rela
MM 318 - “I Probably Won’t Even Make It To 65 Anyway.”
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
What Will AI Mean For Everyday New Zealanders?
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
MM 317 - 70% Of Businesses Fail In The First 5 Yrs - True or false?
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 ca
MM 316 - Behind The Budget (I Got Into The Beehive)
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
NZ Budget 2026: What Every Kiwi Needs To Know
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.nzAmy from http://Levridge.co.nz has come on as a sponsor of Keep T
Dave Wood on Stress Control: The Skill That Separates Winners from Losers
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
The App That Builds Your Wealth As You Spend: Feijoa Founder Mark White-Robinson
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 r
MM 315 - Saving Or Investing For The Kids?
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 ab
NZ Liquidations At A 15-Year High: What’s Really Happening? w Brent Norling
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
MM 314 - I Got Access To Thousands Of People’s Wages!
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 th
NZ's Cost of Living Trap: Are You Living in the Wrong City?
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 episod
MM 313 - Do You Have To Pay Tax On A 'Hobby'?
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 produce
Michelle Morfett Is Building A Baking Empire: Content, Cookbooks, Ecommerce & A Bakery
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,
MM 312 - I Invested $50k Into This Kiwi Start Up
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
How To Turn Your Side Hustle Into Your Main Thing
Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymailFollow on Instagram for more content: https://www.instagram.com/keepthechange_nz Hosted on Acast. See acast.com/privacy for more information.
How To Get Started Investing In New Zealand: Sharesies Founder
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 applyInvesting 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 pr
Sawmill Brewery Owner on Perseverance, Surviving Disaster & Building Culture: Mike Sutherland
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 everythin
MM 311 - NZ Has A Growth Problem. (Not What You Think)
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 pro
How This Kiwi Teacher Built a Global Following & Income Online
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 lo
MM 310 - BNPL: Times Like These Are Why You Don’t Want It
I know I’m flogging a dead horse because there are now a million users of it and over 40% of the users have multiple accounts. But anyway, I enjoy pushing sh!t up hill for the few who will listen. When you’ve already pre-spent and committed that buffer on repayments, you don’t have cash to absorb the shock so you feel it immediately. The buffer in the budget is gone! That makes you vulnerable. No
Sharesies Founder: How Kiwis Can Build Their Wealth
Alongside six others, Leighton Roberts co-founded Sharesies back in 2017. Sharesies is a wealth app that's helped make investing simpler for one million users. He breaks down why most people struggle with investing and how to actually get started.Leighton explains why Kiwi can get overwhelmed by choice, the journey building a startup, how to overcome analysis paralysis when it comes to investing,
MM 309 - This Bank Says You Need $55 More A Week In 2026
ASB just dropped a number that made me look twice to see if it was right. They say that ‘households will likelThat’s hard enough for most people. But then an accountant like me says no you don’t. You need MORE! Because that $55 a week is after-tax money.y face a $55 per week increase in the cost of living over 2026'. Let's explore how that works.Hey thanks for listening! Please take some form of a
MM 308 - Here We Go Again? (Recovery Cancelled?)
Just when it felt like things were improving, here we go again. Multiple conversations I had over the week cited the same thing. People back in fear. People delaying decision making. People not wanting to invest or take out debt. Business confidence has tanked quickly too! Inside my business I’ve noticed business planning inquiry drop. It’s hard to plan for 12 months' time when you can’t see certa
What Kiwis Need To Know About Buying or Selling A Business
Chloe McKnight sells businesses and sees the same patterns: the businesses that sell well are organised, have systems, and can prove consistent income. The ones that struggle are hoping someone will pay for their potential.She's seen young people selling e-commerce empires they built as side hustles, and baby boomers shocked their 30-year business isn't worth what they thought.We cover vendor fina
How Mikey & I Both Became Millionaires
Mikey and I have both become millionaires through building million dollar businesses alongside traditional investments. Mikey left a million-dollar income to start Guardian and is only just coming out the other side after four years, whilst Ive grown my accounting & advisory firm alongside my business partner to $2m/year in revenue. We cover the valley every entrepreneur faces, why most people
How To Win in New Zealand: Momentum
Most people are letting momentum and compounding work against them. They're compounding the wrong things... Debt, bad habits & negative thinking, instead of building momentum toward their goals.Luke and Mikey break down why momentum is like compounding but for your daily life: once you get it rolling, things become easier, but you have to get your foot on the gas first. We cover the stages of
MM 307 - Do You Still Insert Your Debit Card? I Do
The other day I posted a photo online. It was just a payment terminal with a small sign: “CREDIT/PAYWAVE 1.5% surcharge”. It blew up. HUNDREDS of thousands of people saw it. Hundreds of comments. Over one thousand people voted in a poll asking if they do the same. In the comments, people were debating, agreeing, asking questions. All over one simple statement: “I still insert debit card to avoid 1
Lessons From Taking A NZ Startup From 0 To 4,000 Paid Users: Renata Wiles
Renata built Roam with Kids from zero to 4,000 paying subscribers while raising three kids. Her secret? Posting every single day for two and a half years, even when no one was watching.Renata breaks down the reality of building a startup in New Zealand, whilst juggling work & kids. We cover the loneliness of building something while everyone else has normal jobs, and how consistency beats perf
Kiwis Think Business Is Too Risky & Immigrants Don’t. Why?
Immigrants often arrive with nothing to fall back on so “safe” feels different.Why are so many newcomers in NZ are willing to start businesses, take bigger risks, and end up hiring Kiwis? While locals often see business as too risky. Hosted on Acast. See acast.com/privacy for more information.
MM 306 - The ‘I Can’t Afford To ‘Save/Invest/Do’ Trap
This time of the year can be where the new year's energy has died down, and we waver from goals, or we realise we didn’t do what we said we were going to and now there is no point. For some inspo, I asked some KTC listeners what it was like to ‘think they can’t’ but ‘do it anyway’ and what they noticed. Perhaps NOW is the time. What do you need to start doing?Hey thanks for listening! Please take
The Simple Way To Build Wealth with James Blair of Lighthouse Financial
Most Kiwis are overthinking wealth building. They're waiting for the perfect election result, the right market timing, or the ideal economic conditions. Meanwhile, they're missing the simple fundamentals that actually work.James Blair from Lighthouse Financial breaks down why money is actually straightforward: earn as much as you can, don't spend it all, pay down debt, buy shares, buy property. Th
5 Non Financial Habits That I Used To Go From Debt To Millionaire
Sign up to Money Mail for free weekly emails to improve your finances: https://www.keepthechange.co.nz/moneymail Hosted on Acast. See acast.com/privacy for more information.
MM 305 - Always Reason To Feel Nervous About Investing
Well here we are again. More volatility + vulnerability and a sense of not knowing how long this could go on. I am not going to explore that too deeply, but I do want you to reflect on 2025. Because if you want to invest, you have to accept risk and therefore understand that risk is not a bug in investing, it’s part of the process. Markets are constantly reacting to something.Hey thanks for listen
New Zealanders Are Wasting Their Time & Money
Most people misallocate their time worrying about share platform fees when they should be asking their boss for a raise. They're trying to optimise $3 in fees instead of increasing their income by $10,000.Luke and Mikey break down the hierarchy: time allocation first, income allocation second, capital allocation third. We cover why when you're young, time is your capital, and when you're older, ca
Is $35 An Hour In NZ Good Money? How Much Can You Save? Or Hello Aussie?
Let’s run the numbers on someone earning $35 an hour trying to “get ahead” in NZ.Full-time is roughly $72,800. After tax, ACC, KiwiSaver (3%), you’re left with roughly $55k take-home.Here are the real costs one person shared (good starting point: 29, single, no kids, flatting):Rent: $350/weekFood: $150/weekFuel: $45/weekInsurance (car, contents, health): $60/weekGym (CrossFit): $50/weekPower: $60/
MM 304 - ‘How I Made $20k In One Night'
In accounting, one of the most important reports is a ‘profit and loss’. This report shows you the total sales, less the expenses, which equates to profit. In a world of ‘I do a million a year’ they typically mean they have sold $1million worth of something. ‘How I made $1million in 2025’ was probably $1mil of sales. There are always expenses to create the sales. Sales - expenses = profi
The CEO Of New Zealand's Largest Gym Franchise (60,000+ customers) Cameron Ward
Cameron Ward runs 62 Anytime Fitness gyms across New Zealand and has seen what separates successful franchises from failures. The stats are brutal: 1 in 20 gym franchises fail within 2 years, but 1 in 5 independent gyms don't make it.Cam breaks down what it really takes to succeed in franchising: follow the systems religiously, have proper capital (not just for setup, but working capital too), and
6 Expensive Headwinds Of New Zealand 🇳🇿 (Young People MUST Know!)
6 expensive headwinds of New Zealand 🇳🇿 1. New Zealand has an ageing population.Cost = super + healthcare.2. Health issues rising. I.e. Obesity and point 1.Cost = system strain.3. Infrastructure deficit.Cost = rebuild or maintenance bill.4. Brain/worker drain.Cost = lost taxpayers to fund the above.5. Capital stuck in property.Cost = low productivity and low risk tolerance.6. Education slipping.Co
MM 303 - "Writing Off A Business Expense’"
“It’s a write-off that’s why businesses do it”. You’ve seen it online where non-business owners and non-accountants suddenly educate you with 100% confidence on business ‘write-offs’ and how business owners pay no tax. So let’s clear this up. Because a tax write-off is not free money. It’s not a refund. And it’s definitely not the IRD wiring you back the full amount.Hey thanks for listening! Pleas
'There Is So Much Opportunity In NZ' with Conner Harding
Conner grew up on a council estate where people end up stuck in the same system. He came to New Zealand with $2,000 in his pocket and is now running a successful landscaping business in Queenstown.Conner breaks down his journey from addiction and destruction in England to finding purpose through running and gardening in South America, then building a business in New Zealand. We cover why he's lost
MM 302 - Am I Being Penalised For Working Harder?
They want to earn more. They want to start something small. They want to build skills and income outside their job. But then they look at tax and it kills the motivation. They won't be the first or last Kiwi to get p!ssed off by this. However, maybe the bigger risk isn’t paying 33% the bigger risk is not exploring where you could end up with another income stream.Hey thanks for listening! Please t
NZ Pension Spending, Sticky Inflation & Rate Hikes: What Will 2026 Look Like For NZ? w Brad Olsen
New Zealand's economy is patchy, spending fell 0.5% in December, Boxing Day sales down 12%, and job ads are still 30% below pre-pandemic levels. Meanwhile, electricity is up 12% and gas up 16% - the highest increases since the late 1980s.Brad Olsen from Infometrics breaks down what's really happening and why the economy isn't magically turning around like everyone hoped.The biggest challenge? We'v
MM 301 - The Whole Financial System Could Collapse This Year
That’s according to the comment section of just about every social platform I use. The sad thing? Many of these people leaving comments so desperately want to be right. ‘I told you so’. Cool bro. Now what? Nothing. They won’t do anything, just like they never have before. Some of the people most worried about a stock market collapse have $0 invested. Make that make sense. Let's try...Hey than
Buying Your First Home in NZ in 2026? Watch This First
Most first home buyers are back with low deposits and record-high debt, often borrowing with less than 20% deposit.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 price
Money Mail 300
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!Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, beco
What Every Kiwi Needs To Know About Financial Planning: Amy Po Ching
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. 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 l
MM 299 - HOW They Cleared $100k Of Destructive Debt (Pt 2.)
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?Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a produ
