2024 was a grind for many, and 2025 might bring much more of the same. I am sorry, I am sorry. I am forever optimistic though. I know everyone is hoping for a better year and excited about how it all just changes and changes quickly, but I am more realistic to how slowly an economy turns. However, while the challenges are real, so are the opportunities. If you’re willing to tune out the noise, focus on what you can control, and keep showing up. And that is what we do around here (see the last 2 weeks of Money Mail)! So here's how to 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/

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This is the audio from a recent YouTube video that you might find interesting.

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.

Ready to start 2025 right and take control of your financial future? From compounding growth to investment hacks and beyond, this podcast will help you build a financial foundation for lasting success. Tune in and take the next step toward financial freedom today!

Linus and I cover a lot of ground, including:

• The Cost of Waiting: Discover how delaying investments—even by just one year—can cost you thousands in long-term compounding.
• Set Your Kids Up for Success: Learn how $7,000 invested at birth could grow into $1,000,000 by retirement.
• Automation for Success: How managed funds can simplify your savings journey—no large upfront investment required.
• Self-Employed Strategies: Bust the myths about KiwiSaver and learn how even small contributions can lead to big rewards, with real-life client success stories.
• Listening to non-investors: the dangers of taking advice from people with no experienc. 
• Investing in Knowledge: Save time and money by learning from specialists instead of navigating the financial world solo.

Enjoy!

I have a goal to help 100,000 Kiwis improve their financial literacy. Generate KiwiSaver Scheme has sponsored Keep The Change to help me reach more people and make this a reality. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

No part of this podcast is intended as financial advice; it is intended as general information only. For more information about Generate's Schemes see their Product Disclosure Statements at generatekiwisaver.co.nz/disclosures. The issuer of the schemes is Generate Investment Management Limited. Past performance is not indicative of future performance.

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I recently heard someone say: “It’s never been easier to succeed.” But they quickly followed it with a truth that hit me like opening the email inbox after the break. “It’s also never been easier to get distracted.” Aint that the truth! So I started thinking about what gets us distracted? Of course, we are going to take a financial lense on this. Let’s explore some softly, softly ones to start with and then trigger the masses.

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.

This is a re-release of an earlier podcast that other listeners have found very useful.

Recently I bought a PIE fund and I’m not talking steak and cheese ones. I had a bit of spare cash sitting in a bank account and I wanted to ‘make my money work for me’ and am always looking for ways for my money to have babies and help subsidise my life/costs. I considered a Term Deposit where I deposit my money for a set term and in return get given a % for doing so. Then I thought about a PIE Fund, here's why...

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.

This is the audio from a recent YouTube video that you might find interesting.

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.

This is the audio from a recent YouTube video that you might find interesting.

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.

In this episode, I sit down with Bryce who shares his transformation: both financially and professionally, thanks to the lessons he learned from Keep The Change.

After years of feeling stuck in a high-paying but limiting career, loaded with mortgages, credit card debt, and even Afterpay purchases for dog food, Bryce had a KTC wake-up call. He realised the power of accountability, mindset, and the importance of taking control of his situation.

Fast forward through countless hours of study, sacrifices, and laser focus, and he’s now stepping into a new role as a mortgage adviser in Mikey’s team at Guardian Smith. To do this, Bryce had to leave behind a comfortable salary to pursue something with no ceiling, no excuses, and full ownership of the outcome.

We talk about breaking free from bad financial habits, overcoming limiting mindsets, and what it means to back yourself completely. This is an inspiring story of taking risks, embracing discomfort, and building a future of purpose and growth.

If you’re feeling stuck or searching for your next opportunity, this episode will remind you that with the right mindset and determination, anything is possible. Bring it on!

If you need to find Bryce, do that here: https://www.instagram.com/kiwi_angler/

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

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When did we get so good at dismissing other people's actions to keep ourselves stuck and upset at our own situation? It makes no sense to me. Focusing on what you don’t have will only hold you back. You need to flip your mind to start looking at your own opportunities. This will give you a good reminder to focus on what you do have and ignore those who decide not to live like this.

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.

Well, we survived until 2025, now what? This year looks like another grind of a year but as always we will have you ready for this with eyes wide open to what you need to be thinking about. In this podcast we explore some of the things we expect to see in 2025 and touch on the mini distractions that we need to be mindful of. We also make some predictions about different markets. Enjoy the year and we'll talk throughout 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.