Episodit
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I started to write this mid-flight headed to Las Vegas to watch the mighty NZ Warriors in action. They say what happens in Vegas stays in Vegas and to be fair, some of my NZD are definitely going to be staying in Vegas. Holy sh!t that place is expensive. Before I left for the USA, I needed some US dollars in cash. I did what anyone would do. I went to my bank. The one I’ve been using for around 10 years. I went in and gave them my card, and they took many of my $NZD and gave me $2,000 US. Boom. Simple, right? Not quite....
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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This is the audio from a recent YouTube video that you might find interesting.
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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Puuttuva jakso?
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The Offical Cash Rate has decreased by 0.5% as expected. We sit down with Mikey to find out what he is seeing out there with the property market and with mortgage advisers. This is the first podcast as a bit of a trial, life from the new studio.
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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What does it mean to live a life of abundance? In this episode, we explore the mindset, habits, and actions that lead to true prosperity. This is also more than just financial wealth. We discuss tactics of how to shift your focus from scarcity to gratitude, and from fear to opportunity.
We unpack some of our key principles of living abundantly, including financial freedom, giving, and personal growth.
Tune in to learn actionable strategies for building a life where success, happiness, and generosity become your norm. It’s time to embrace abundance and thrive in all areas of your life!
I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.
Hosted on Acast. See acast.com/privacy for more information.
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This is the audio from a recent YouTube video that you might find interesting.
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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Did you know: in NZ, those born before 1966 currently hold 60% of NZ's $2.29 trillion total individual net wealth. The estimated value that will be transferred by those aged over 55 in the next 20 years will be approximately $1.11 trillion - Business and Economic Research Ltd. We are living through one of the largest transformations of wealth and knowledge EVER. Get READY!
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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We struggled with this one but it was needed before we record ‘Living a Life of Abundance’. This is why it’s only 10 minutes!
So…are you caught in a cycle of scarcity, where there’s never enough time, money, or opportunities? Are you caught in a life of ‘lack’?
In this episode, we dive into what it means to live a life of lack, exploring the tell tale signs of a scarcity mindset and how it affects every area of your life.
We discuss the psychological and financial traps that keep you stuck, because soon we will explore some practical steps to start breaking free.
Whether you’re struggling to make ends meet or simply feel like you’re always behind, this episode will help you identify the barriers holding you back and give you the tools to move toward a more abundant future.
Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.
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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This is the audio from a recent YouTube video that you might find interesting.
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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Back in 2021 (Money Mail 83) we started talking about pay cuts for NZers because interest rates were about to rise and impact a number of people. This meant a pay cut for a household budget that now had to pay higher interest costs. But we are now into the reverse. The pay rises have begun for some!!!! With rates falling, the financial relief will reach households faster because there is so much rolling off onto a cheaper rate. Let's explore.
Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.
Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/
Hosted on Acast. See acast.com/privacy for more information.
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Simon Phillips returns to the podcast with more wild tangents and hard-earned wisdom than you can imagine. You may remember Simon as the founder of Fitwear, the brand that skyrocketed to over $3 million in annual sales, before it all came crashing down, leaving him in massive debt and back at home owing hundreds of thousands to his parents.
Now, with his debt cleared and a fresh outlook, Simon is rebuilding, not just his business ventures, but himself.
In this episode, we dive deep into his personal journey of resilience, self-improvement, and the lessons he’s learned to ensure he never hits rock bottom again.
Tune in for a seriously unfiltered conversation on growth, setbacks, ADHD, focus, and what it really takes to rise again.
Enjoy the ride.
Find Simon: https://www.instagram.com/simonjohnphillips/
Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more
Hosted on Acast. See acast.com/privacy for more information.
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If you don’t decide what enough looks like, the world will decide for you. And the world’s answer will always be “more.” Because, as I said, there’s profit in keeping you striving. When we’re stuck in a cycle of constantly chasing more, we can lose sight of what we truly want. That’s why defining what enough looks like is crucial. So, how do YOU define enough? It’s personal and it's up to you. Let's get you thinking 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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This is the audio from a recent YouTube video that you might find interesting.
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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You’ve escaped survival mode and now you’re being marketed to to give your excess cash to the machine. Wait, what machine? You’re about to find out.
Have you ever felt like you're working hard just to keep up appearances, keep up with the Joneses(who TF are they anyway?), to get a better title, to feel important? That’s status mode; a trap where self-worth is tied to possessions, titles, or external validation.
In this episode, we’ll explore how to recognise when you’re stuck in this cycle and provide practical strategies to move toward genuine freedom and purpose (the top 2 tiers of the pyramid).
Discover how to align your spending with your values, prioritise experiences over things, and build a life that’s meaningful to you; not what society expects. It’s time to stop chasing and start living.
Note - if you haven’t listened to the podcast ‘The pyramid that explains your situation’, you may want to for some pre-context.
I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.
Hosted on Acast. See acast.com/privacy for more information.
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'Put it on the mortgage'. With lower interest rates and rising house prices, why wouldn’t you? For years, many New Zealanders have tapped into their home equity; borrowing against their property to access cash. Using the house as an ATM is out of favour and now only 11% of 'new' loans were of that type. In 2019 it was almost 20%. Since the data series began a decade ago, mortgage top-ups were the lowest ever in 2024 - and declining during the year.
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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This is the audio from a recent YouTube video that you might find interesting.
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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Tom, 26, shares his inspiring journey of buying his first home with his partner on Auckland's North Shore, without the bank of Mum & Dad.
In this episode, Tom (a listener to KTC) unpacks the financial principles from Keep The Change (& other learning) that helped him achieve this milestone: upping his KiwiSaver, paying off a $45k student loan, investing in the S&P 500, and leveraging his value to land better-paying jobs.
We also dive into his hustle, his plans to start a business, and why he’s staying in New Zealand despite the Aussie exodus. This story proves that with the right mindset and strategy, young Kiwis can still thrive at home.
I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.
As always, no part of this podcast is intended as financial advice; it is intended as general information only.
Hosted on Acast. See acast.com/privacy for more information.
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At the back end of 2024 I started to get worried about stock market returns. I was receiving too many messages from people having great performance in their KiwiSaver and their investments. Don’t get me wrong, I loved to see it. I was even checking mine. A 16% gain for my KiwiSaver in 2024. You beauty. But when these messages kept coming, I got worried. Worried about what happens when it suddenly turns. Because it can. So what do we need to be thinking about?
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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This is the audio from a recent YouTube video that you might find interesting.
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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Are you stuck in survival mode, living paycheck to paycheck and constantly stressed about money? This episode is for you! No shade either, we’ve all been there!
In this episode, we’ll help you recognise the signs of survival mode and, more importantly, give you actionable steps to break free. We promise you there are many, many actionable steps to help you escape this stage of your financial journey and life. OR at least decrease the time you stay here.
We cover some ground! From mastering the basics of budgeting to increasing your income and building a financial safety net, this episode is your roadmap to financial stability. You will also learn how to shift your mindset from scarcity to abundance and take control of your financial future.
Note - if you haven’t listened to the podcast ‘The pyramid that explains your situation’, you may want to for some pre-context.
Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.
Hosted on Acast. See acast.com/privacy for more information.
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Whether you need it to ease a bit of financial pressure or work toward a big goal, here’s how you can make it happen, even in one of the toughest economies New Zealand has seen since the 1990s. I continue to maintain that if we teach more people how to make a bit of extra cash, it will solve a lot of the individual problems people face. Many people feel stuck financially but don’t realise money is EVERYWHERE and that they can get their hands on it. I am going to step you through how to attack this.
Hey thanks for listening! Please take some form of action from this content, don’t just be a consumer, become a producer! Make sure you’re subscribed to Money Mail via Keepthechange.co.nz to receive our weekly lesson on money and financial literacy. Stay close to us on social media and share this with someone that you think this content will help. Together we can collectively improve the financial literacy of New Zealand - let’s get on with it.
Find us here:
@keepthechange_nz
https://www.keepthechange.co.nz/
Hosted on Acast. See acast.com/privacy for more information.
- Näytä enemmän
