Conner grew up on a council estate where people end up stuck in the same system. He came to New Zealand with $2,000 in his pocket and is now running a successful landscaping business in Queenstown.

Conner breaks down his journey from addiction and destruction in England to finding purpose through running and gardening in South America, then building a business in New Zealand. We cover why he's lost friends who don't understand his transformation, how Kiwis helped him succeed, and why he believes New Zealand is the best country on earth.

"If you turn up with a good attitude and you're honest about what you're doing and you try and help people, people get behind it. People want to see you succeed."

From sleeping rough to employing others, Conner proves that your past doesn't define your future. Sometimes you have to leave everything behind to find who you're meant to be.

Find Conner:

https://www.homegrowntahuna.com/

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 : [email protected]

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

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

Generate 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.

They want to earn more. They want to start something small. They want to build skills and income outside their job. But then they look at tax and it kills the motivation. They won't be the first or last Kiwi to get p!ssed off by this. However, maybe the bigger risk isn’t paying 33% the bigger risk is not exploring where you could end up with another income stream.

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.

New Zealand's economy is patchy, spending fell 0.5% in December, Boxing Day sales down 12%, and job ads are still 30% below pre-pandemic levels. Meanwhile, electricity is up 12% and gas up 16% - the highest increases since the late 1980s.

Brad Olsen from Infometrics breaks down what's really happening and why the economy isn't magically turning around like everyone hoped.

The biggest challenge? We've got an aging population to pay for, infrastructure deficits, and young people fleeing to countries that value them more.

The economy might improve, but only if you stop waiting for someone else to fix it.

Find Brad:

https://www.infometrics.co.nz/

https://www.linkedin.com/in/bradolsennzl/

https://www.instagram.com/bradolsennzl/

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 : [email protected]

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

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

Generate 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.

That’s according to the comment section of just about every social platform I use. The sad thing? Many of these people leaving comments so desperately want to be right. ‘I told you so’. Cool bro. Now what? Nothing. They won’t do anything, just like they never have before. Some of the people most worried about a stock market collapse have $0 invested. Make that make sense. Let's try...

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.

Most first home buyers are back with low deposits and record-high debt, often borrowing with less than 20% deposit.

Luke and Mikey break down the reality: people are stretching themselves thin with low equity loans that cost more in interest. We cover why you need to understand the true cost (not just the mortgage payment), the risks of buying with minimal deposit, and what happens when house prices drop while you're over leveraged.

Don't let FOMO drive the biggest financial decision of your life. Understand what you're signing up for first.

Find Mikey:

https://guardiansmith.co.nz/

https://instagram.com/officialmikeysmith

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 : [email protected]

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

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

Generate 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 marks 300 episodes of KTC Money Mail. 300 editions ago I was sitting in my one-bedroom apartment during lockdown, getting started. Hitting send on edition one. Today this will go to tens of thousands of people across various platforms. So how to we summarise the 300 editions? Let's try!

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.

Amy breaks down why most people feel confused about money... They know what to do but don't do it, they can't articulate what they actually want, and they're stuck thinking "we want to create wealth" without knowing what for.

80% of people know what's good for them but don't follow through. They want passive income but can't explain why. They want to build wealth but haven't defined what success looks like.

Money is just the tool. It's the vehicle that gets you from A to B. Nothing more, nothing less.

We cover why intention and planning gives you permission to spend, how to map out what your future actually looks like, and why every decision becomes easier when you're clear on your goals. Plus the budget items most people forget: new tires, unexpected repairs, and the stuff that always comes up.

Money isn't everything. But having a plan for it means you can focus on what is.

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 : [email protected]

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

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

Generate 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.

These words stood out to me and should for you too. “It’s been a slog, and I've made many mistakes, but I have grown so much I feel like I'm a completely different person’’. That’s the real win. Becoming the version of yourself that you know that you could be! So HOW did they do 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.

2026 is going to be wild. AI will start eating jobs, currencies might collapse, and New Zealand has an election that could get divisive. The question is: are you ready?

Luke and Mikey break down how to dominate 2026: take action now while others wait, build psychotic belief in yourself, and use AI as your unfair advantage instead of fearing it. We cover why the people who prepared in 2024-2025 will get rewarded big time, the AI arbitrage opportunity most people can't see, and why complacent people are screwed.

The winners of 2026 will be the independent, critical thinkers who are deliberate in their actions. Everyone else gets left behind.

We cover election predictions, why young people might finally get angry enough to demand change, and the importance of helping each other through what's coming. Plus the mindset shifts that separate those who thrive from those who just survive.

It's time to get to work on 2026, baby.

Find Mikey:

https://guardiansmith.co.nz/

https://instagram.com/officialmikeysmith

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 : [email protected]

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

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

Generate 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.

As we close in on Week 300, I want to share with you an email I received recently and some of the key principles. ‘’For a long time, I let my lack of education and some really destructive self-talk become my narrative. I spiralled into a lot of debt - managed to rack up over $100k worth of the stuff and I have no one to blame but myself. I was spending money recklessly and committing my future wealth on stupid things like motorbikes, overseas trips, and nights out. Nothing useful, I was simply trying to fill the then ever growing hole of not meeting my potential’’. Fast-forward three years and they are now on track to be completely debt-free by August 2026, with a $20,000 emergency fund!

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.