Podcasts · Education · Business

Keep The Change

nextAdvisory

300 episodes · Explicit

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 lessons that come out at 9am every Friday. See Keepthechange.co.nz FOLLOW ► Instagram https://www.instagram.com/keepthechange_nz/ Tik Tok + Facebook + LinkedIn Check Out My Accounting Practice: www.nextadvisory.nz

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Episodes page 1 of 6

  1. What The 2026 Election Will Mean For Property, Taxes & KiwiSaver

    · 1 h 10 min

    How will the 2026 NZ election impact your finances? We break down the potential shifts for property, taxes, and KiwiSaver. With political changes on the horizon, many investors are concerned about how shifting policies…

  2. MM 337 - How I Ended Up In Niue (& Met The PM)

    · 32 min

    Last week I spent a week Niue, helping facilitate a conference and delivering a keynote. I’ll be honest, I had to google where Niue even was. Here I was AGAIN having an experience I couldn’t have imagined when I first…

  3. Are We Being Mislead About The Cost Of Living Crisis?

    · 1 h 17 min

    We know there are a lot of people out there struggling wth the cost of living, a lot of people doing it hard, but at the same time are we also seeing the media buy into it to create fear which is simply holding kiwis…

  4. MM 336 - Wild Goals The Audience Aim For

    · 32 min

    You could argue that we’re still in a pretty tough economic environment, plenty of noise, yet there are people out there getting after it. And also it’s always interesting at how different peoples goals are. I always…

  5. Infrastructure NZ CEO Nick Leggett on Whats Really Happening With New Zealand's Infrastructure

    · 1 h 16 min

    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,…

  6. MM 335 - Is There A Cost Of FOMO 'Crisis'?

    · 35 min

    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…

  7. From Minimum Wage To $400k/year in New Zealand: My Journey

    · 27 min

    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…

  8. 5 Money Myths Blocking Kiwi's From Building Wealth with Generate Advisor Nathan Stanners

    · 1 h 00 min

    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…

  9. MM 334 - Have You Thought About Higher Interest Rates?

    · 33 min

    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…

  10. How To Stop DEBT From Stealing Your Future in New Zealand

    · 21 min

    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…

  11. Part Two: My Financial Plan & Beliefs Exposed with a Financial Planner

    · 53 min

    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…

  12. MM 333 - Same Coffee. $5.50 and $6.50. Who's Right?

    · 36 min

    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…

  13. Iyia Liu Built Multiple Million Dollar Businesses, Here's Her Formula

    · 1 h 04 min

    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…

  14. MM 332 - Oh No! Suddenly Everyone's An Expert Investor

    · 37 min

    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…

  15. How Ashby Pies Sells 2,000 Pies A Week For $13 Each

    · 1 h 05 min

    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…

  16. MM 331 - What Was Your First Job? How Much Did You Get Paid?

    · 33 min

    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…

  17. MM 330 - The First $100billion Was The Hardest? (KiwiSaver)

    · 36 min

    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…

  18. Employee Share Schemes: What Every Kiwi Should Know

    · 16 min

    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…

  19. How To Stop Being Trapped In A Job You Hate

    · 1 h 11 min

    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…

  20. Building One of NZ's Fastest Growing Robotics Companies

    · 1 h 08 min

    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.…

  21. We Survived South Africa - Rugby's Greatest Rivalry

    · 34 min

    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…

  22. MM 329 - ‘I’ll Wait Until After The Election’ (What, To Build Wealth?)

    · 32 min

    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…

  23. The Secret To Getting Ahead In Life: 'The Boring Season'

    · 1 h 06 min

    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…

  24. MM 328 - Buying Your First Home? Ask Yourself These Questions

    · 35 min

    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…

  25. Is Solar The Best Investment In New Zealand Right Now?

    · 1 h 12 min

    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…

  26. MM 327 - Why Are Employees & Employers BOTH Frustrated?

    · 41 min

    "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%,…

  27. Building New Zealand's Biggest Vintage Rugby Business

    · 1 h 23 min

    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…

  28. MM 326 - The Next 'Crisis' Is Coming...Do You Know What It Is?

    · 33 min

    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 😂’.…

  29. A KTC Listeners Journey With Money - Huia Pocklington

    · 54 min

    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…

  30. MM 325 - Dear Young Peopel: Getting Rich Takes Time

    · 41 min

    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…

  31. Making $400k at 24 and Millions in his 30’s. What’s It Like?

    · 1 h 10 min

    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…

  32. MM 324 - 2x 17yo. Making $1,000 In A Day. How?

    · 36 min

    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…

  33. NZ Accountant Tries To Teach 15 Year Old's About Money

    · 21 min

    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:…

  34. LIVE: My Financial Plan & Beliefs Exposed with a Financial Planner

    · 1 h 01 min

    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…

  35. MM 323 - K Shape Economy Anyone?

    · 41 min

    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…

  36. How To Get A Mortgage In New Zealand: Mikey Smith of Guardian Smith

    · 1 h 06 min

    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…

  37. MM 322 - 4 In 10 Kiwis Couldn’t Find $5,000 This Week

    · 38 min

    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…

  38. Is It Still Possible For Young New Zealanders To Buy A Home? Top Mortgage Broker Reveals

    · 54 min

    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…

  39. Sharesies Answer Your Questions About Their New Investback Debit Card

    · 15 min

    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…

  40. MM 321 - I Paid $159US For An $8 Travel Form

    · 30 min

    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…

  41. MM 320 - How To Scale A Side Hustle In NZ

    · 32 min

    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…

  42. WC Wrap: I Came Home

    · 20 min

    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…

  43. New Zealand Property Market: Whats Really Happening?

    · 1 h 23 min

    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…

  44. How To Obliterate The 2nd Half Of 2026: with Mikey Smith

    · 38 min

    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…

  45. WC26 - Vancouver. Value? Visas!

    · 27 min

    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…

  46. Live Business Consulting: How To Build Your Side Hustle In 2026

    · 1 h 52 min

    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…

  47. MM 319 - 1 Thing You’d Want Your Kids To Understand About Money?

    · 28 min

    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…

  48. WC26 - The English Kane Croatia (& Beers)

    · 16 min

    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…

  49. WC26 - Game Day. Goals. Gratitude.

    · 19 min

    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…

  50. Financial Planner Reveals: How Everyday Kiwis Are Building Wealth

    · 55 min

    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…

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