Most Kiwi employees are sitting on a goldmine and don't even know it.

Your boss is probably over 50 and they're thinking about retirement but haven't figured out succession. Meanwhile, you're trading hours for dollars, watching house prices outpace your wages by more than double.

Here's what they don't teach you: You can buy into the business you already work for with ZERO cash down.

Phil Smith walks through the exact process, from having "the conversation" with your boss, to structuring vendor finance deals that let you pay with future profits. We cover shareholder agreements, valuations, and the traps that catch people out.

This isn't some get-rich-quick scheme. It's how smart employees are building real wealth while others complain about not getting ahead.

The data is brutal: Treasury forecasts 2.6% wage growth vs 6% house price growth annually. You can't afford to rely on wages forever. Stop waiting for someone else to hand you wealth. Take control of your income. Learn how the game actually works.

Find Phil:

Book a call with Phil: https://calendly.com/philsmith/buying

Website: https://nextadvisory.nz

LinkedIn: https://www.linkedin.com/in/phillipsmithca/

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

I 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://generatekiwisaver.co.nz/change to find out more.

Amy from https://levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck? Find Amy : [email protected]

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

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