Keep The Change

Its not as glamorous as some make it out to be, but here's the truth as to how I make genuinely passive income from New Zealand.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.

1 in 2 New Zealanders don't have a will. That means when they die, their family gets chaos, uncertainty, and massive legal bills to sort everything out.Holly from Succession NZ breaks down what actually happens: default rules kick in that split assets between partners and kids (not how most people want it), court applications cost thousands, and families fight over who's in charge. We cover the $40,000 threshold that freezes your Kiwisaver, why getting married cancels your will, and the retirement village fees that shock every family.The brutal reality? Your inheritance can become relationship property if your kids don't protect it properly. Your parents' house could end up half-owned by an ex-partner.Find Holly:https://succession.nzhttps://instagram.com/succession.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 : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGenerate 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.

Today Im breaking down exactly how to get started investing in New Zealand, and why it may not be what you think... 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.

New year, new you yada yada. But 'budgeting' is highly searched at this time of the year. I want to show (or remind) you how I think about budgeting, and it’s the exact system I used to go from credit card debt to building over $1m in assets. And a warning, sorry there are no apps or fancy dashboards. Step 1: Stop “budgeting” and start tracking cash flowHey 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Sarah breaks down the uncomfortable truth: you're gaining something from your problems. Whether it's safety, comfort, familiarity, identity, or an excuse, if you weren't getting something from them, you'd easily let them go. We cover the three ingredients to change (awareness, action, accountability), how to access your intuition, and why your internal narrative is the most powerful thing you have.Sign up to Money Mail for free weekly emails to improve your finances (and get notified for future events): https://www.keepthechange.co.nz/moneymail Hosted on Acast. See acast.com/privacy for more information.

Max breaks down the journey from age 13 fundraising for refugees to building a proper business: getting his first van at 14, learning to price properly, and connecting with successful clients who became mentors. We cover the loneliness of entrepreneurship, why he's lost friends who don't understand the grind, and how cleaning cars opened doors to learn from millionaires. Hosted on Acast. See acast.com/privacy for more information.

Bradley Shaw has been around death since he was 16. Now he's the youngest president of the Funeral Directors Association of New Zealand and sees something most people don't: life is way shorter than you think.Bradley breaks down the brutal economics of death, how funeral directors getting stuck with debt from unpaid funerals and why 1 in 5 people are skipping funerals entirely.We cover why people feel more grief over pets than humans, the aging demographic creating massive opportunities, and how the industry has changed from cabinet makers to event managers. Every funeral Bradley attends, he walks away thinking "Life's short, man. What am I doing? Why am I holding back?"The research shows 70% of people find funerals valuable for starting their grief journey. But the bigger lesson? We're all going to get there one day. You've got so much you want to achieve... Why are you waiting?Life is short. It could be way shorter than you realise.Find Bradley:https://gatewayfuneral.co.nz/ https://linkedin.com/in/bradley-shaw-83336b1a6Amy 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 : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGenerate 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.

David Niethe breaks down the goal setting formula that actually works: Belief + Imagination + Conviction + Expectations = Results. We cover why 95% of people live in blame, excuse, and denial while 5% take ownership, accountability, and responsibility. Plus his journey from dyslexic failure to coaching champions.Sign up to Money Mail for free weekly emails to improve your finances (and get notified for future events): https://www.keepthechange.co.nz/moneymail Hosted on Acast. See acast.com/privacy for more information.

How much money do you want in your hand each month? That’s your goal. Next, get clear on your starting point…How much do you actually have after tax in your hand each month right now? The difference between the two is your gap. Let's close it and get closer to your goal before 2027 gets here.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Luke & Mikey reflects on the year that changed everything for them at Keep The Change Unplugged, including the business lessons that came from years of grinding and how success changes your perspective on risk and relationships. Building something meaningful takes time, and most people never see the struggle behind the success. Luke & Mikey share the vulnerable moments, the breakthrough decisions, and why having someone who believes in you changes everything. Hosted on Acast. See acast.com/privacy for more information.

Most people's minds are a complete mess. They're worried about Bitcoin, day trading, Trump's 50-year loans, and whether they should invest or pay down debt. Meanwhile, they haven't finished chapter one of getting their finances sorted.Luke and Mikey break down why messy thinking kills progress: you're trying to get from chapter one to five without reading two, three, and four. If you can figure out how to focus and clean up your thoughts, you're clear on your direction.We cover the woman in the red dress (shiny object syndrome), why successful people do boring things consistently for years, and how to use the "love-hate exercise" to figure out what actually matters. Plus why saying no to everything else is more important than saying yes to the right thing.Opportunities are unlimited throughout your lifetime. Focus is not. Choose wisely.Find Mikey: https://instagram.com/mikeysmithofficialhttps://guardiansmith.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 : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGenerate 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.

Out of interest, I asked the KTC audience how their year was via Instagram. Let's go through some replies. Some raw ones there! And interestingly, 66% said that 2025 was better than expected. For all of us, let’s have a moment to reflect. Ask yourself, was 2025 better than you expected? Next, ask yourself this ripper… ‘What would I need to do in 2026 to have a GREAT 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Blake Evans is 21 years old and generated $1.7million in revenue last month (November 2025). He's running a global e-commerce empire from his bedroom.Blake breaks down the reality of making serious money online, selling his car to fund his business, losing most of his friends, and the journey from working at Wendy's to earning more in a month than the top 1% of Kiwis make in a year.We cover the loneliness of entrepreneurship, why he doesn't care about haters anymore, and how posting lifestyle content brings in new audiences. Plus his advice: pick something and stick to it instead of jumping between shiny objects.Most people his age are worried about assignments. Blake's worried about scaling to eight figures.Find Blake: https://instagram.com/blakeevansnzAmy 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 : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGenerate 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.

Earlier this year a statistic from a Censuswide survey said Kiwis are checking their devices up to 50 times an hour. Another report said people get around 146 notifications daily. Recently, Gmail rolled out a new feature: you can now see all the email lists you’re subscribed to in one place. One glance, and you’ll probably realise you are subscribed to way more junk than you thought. I am!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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Half the stuff you buy, you can't actually afford. But debt dealers have found a way to break down payments so your future self can pay for today's bad decisions.Luke and Mikey explore what would happen if all consumer debt was banned tomorrow: new car sales would drop 80%, white wear would last 15-20 years instead of 7-10, and people would focus on skills and experiences instead of stuff they can't afford.Debt is a form of slavery. You're pledging your future self to pay for things you want now. Meanwhile, buy now pay later increases average order value by 40% because people add extra items when they're not paying real money.The cage is disguised as convenience. You think you're using their money, but they're using your behaviour to make you spend more.Stop being the bank for your future self. The journey matters more than the transaction.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 : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGenerate 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.

I headed into BDO to talk with their interns about what uni doesn’t teach you:- How not to get stuck in survival & status mode- How most people don’t like their jobs (and how to avoid that)- Using your interests outside work as your advantage- Money traps: debt, status spending & trying to look successful- What freedom really is and how to start aiming for it nowIf you’re a student or grad who wants more than just a paycheck and a job title, this is for you. Hosted on Acast. See acast.com/privacy for more information.

Thanks to everyone who came along to KTC Unplugged 2025. Here's some thoughts from behind the scenes and some insights from the night. Hope to see you at the next one! Hosted on Acast. See acast.com/privacy for more information.

If everything you do is safe and predictable, then the outcome will be safe and predictable too. This was a tough life lesson for me to accept. But it seems to be very common nowadays that a lot of people expect extraordinary outcomes with zero actual risk. There’s nothing wrong with these choices, but they’re safe choices. You can’t reasonably expect unsafe rewards from safe behaviour. Our lack of eduction OR acceptance of this can lead to envy.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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Ryan breaks down his journey from employee to business owner: 12 years working for others, multiple failed attempts at partnerships, and finally finding a seller in Ashburton. We cover the 8-year vendor finance deal that made it possible, why his house losing $45K in value didn't stop him, and how he's now building the practice he always dreamed of.The reality? Most optometrists stay employees forever. Ryan refused to accept that path, even when deals fell through and relationships ended. He kept pushing until he found the right opportunity.From Specsavers pathway programs to independent practice owner, sometimes the long way around is the only way that works.We cover cash flow challenges, paying loans with after-tax income, building community connections, and why small town optometry beats city employment. Plus his next vision: owning a deer farm while running his practice.Twenty years from childhood dream to business reality. Persistence pays off.Find Ryan:Linkedin: https://www.linkedin.com/in/ryan-o-connor-827a9562/ Instagram: https://www.instagram.com/ryanoconnornz/ Website: https://www.asheye.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 : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924Generate 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.

Most first home buyers think they need 20% deposit and will take 8-16 years to save it. Meanwhile, house prices keep rising faster than their wages.Jared from Tamaki Regeneration breaks down shared home ownership. We cover how it works with banks, why it's not a scam, and how families are getting keys to new homes in 2-3 years instead of waiting decades.There is hope. You just need to know where to look.Find JaredLinkedin: https://www.linkedin.com/in/jared-partridge-21615694/Website: https://tamakiregeneration.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 : amy@levridge.co.nzInstagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924I believe 100,000 kiwi with better financial literacy will create a better New Zealand. The Generate KiwiSaver Scheme are helping me reach this goal. Cheers Generate. Head to https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.