Keep The Change

Hosted by nextAdvisory

Business Education

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864

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Jun 2026

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About the show

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 Hosted on Acast. See acast.com/privacy for more information.

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60 recent

June 15, 202628 min

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 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.

June 10, 20261 hr 18 min

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 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/officialmikeysmithAmy 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.

June 8, 202627 min

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 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

June 3, 202648 min

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 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.

May 31, 20261 hr 8 min

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 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.

May 27, 20261 hr 18 min

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 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 info@wmw.co.nz 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 : 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.

May 27, 202651 min

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 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.kiwiAmy 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.

May 25, 202633 min

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 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

May 20, 20261 hr 4 min

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 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 : 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.

May 18, 202632 min

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 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_nzhttps://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.