Some Kiwis are waking up to a different way to build their property portfolio: rent-vesting. Blasphemy you say? Or maybe just a fad?

In this episode, Ilse joins us to unpack how renting where you want to live and investing where the numbers make sense can supercharge your wealth without sacrificing lifestyle.

We dive into:

– How to use location arbitrage to your advantage

– Adding value in a market with no capital growth

– Ways to maintain borrowing power and scale strategically

– What she is seeing in the property market around the country

This is a must-listen for anyone thinking about rent-vesting or wanting to invest in property during their life.

Find Ilse: https://www.wolfeproperty.co.nz/

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

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

We are asked so many questions about peoples complicated scenarios and it is very clear that the answer is to make more money. So why do we pussy foot around this conversation in NZ? Why are we lying to people and not telling them the truth that they need to earn more? What if we looked at making more money as a new language? Let’s dig in.

This podcast features Mikey Smith of https://guardiansmith.co.nz

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

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

We are all familiar with the saying Keeping Up With The Joneses. BUT there’s been a BIG change. The Joneses got rich. And you know what they are doing with it? They started passing it on. The bank of Mum and Dad is now said to be the 5th biggest lender in New Zealand. And here you are. No Mr or Mrs Jones backing your big moves. But unfortunately, here you also are: comparing yourself to your mates who have had the benefit of the bank of Mum and Dad. Let's explore the danger of this comparison.

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.

Stuck at the top of the teaching pay scale, stretched with a young family, and watching inflation outpace his income, Fraser Kilgour made a bold move. He left his secure government job to jump into the world of real estate.

Backed by nothing more than a strong work ethic, an amazing wife, a leveraged property portfolio, and a desire for more.

In this episode, Fraser shares:

What it’s like to walk away from a “safe” career

The mindset shift needed to pursue higher income

How he navigated the early challenges of real estate

The difference it’s made for his family and future

This is a story for anyone feeling stuck, underpaid, or wondering “Is this it?” Sometimes the risk isn’t in leaving, it’s in staying.

If you need to find Fraser, do that here: https://www.lugtons.co.nz/teammembers/fraser-kilgour/

Instagram: https://www.instagram.com/fraserkilgour_realestate

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.

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

WTF are 'green shoots' that we keep hearing about? It seems like the latest catchy economic term. Green shoots are defined as ‘signs of recovery or growth’. I like the idea of better days coming. I love the idea of ensuring that better days are coming. I recently saw a line about how Kiwi are...‘’looking for green shoots to build confidence…’’. Well, I went looking for some, and I found some for you.

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.

We take a big-picture look at the New Zealand property market and where things might be heading in 2025. Are prices set to rise again or are people just hopeful?

We explore where property sits in the wider economic cycle, what trends are emerging, and how AI, robots and technology could reshape how we view the value of property in the future.

If you’re investing, waiting, or just curious, this one’s for you.

This podcast features Mikey Smith of https://guardiansmith.co.nz

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

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

You've probably seen the headlines: "AI set to take hundreds of thousands of jobs!" I saw a tech CEO say 1 in 2 entry level jobs could disappear, and we could see 10% to 20% unemployment due to AI. I am certainly starting to hear more about this in my DMs too. While the disruption is real, and I accept that, so is our ability to prepare financially. I put my brain to it and came up with some practical steps to "AI-proof" your financial future:

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.

We are about to find out because today on the podcast, we’ve got an incredible guest who turned a tiny idea into a huge business…all before turning 23!

When Iyia Liu was 21, she bought something cool online called a waist trainer it's and thought, “Hey, if I like this, maybe other girls will too!” So she used her savings (just $6,000) to buy a few and sell them online. At first, she just hoped to sell ten a week. But her idea exploded.

In just one year, Iyia sold over $3.5 million worth of waist trainers. All of this from her bedroom! She even paid celebrity, Kylie Jenner, to wear one in a photo. That one picture cost her $300,000…and it worked!

Since then, Iyia has started more businesses, hired staff, sold to people in over 90 countries, and even bought her dream car, a Mercedes G-Wagon.

But what makes her story so powerful isn’t just the money, it's the mindset. 

Iyia shows us that you don’t need to wait until you’re older, richer, or smarter. 

You just need to start even if it’s from your bedroom.

Let’s explore what she is working on now.

Find Iyia - Make It Happen: https://www.makeithappen.org.nz

Instagram: https://www.instagram.com/iyialiu/?hl=en

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to generatekiwisaver.co.nz/change to find out more.

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

The ‘paying their fair share’ slogan is a goodie as no one can define ‘fair share’. Anyway, interestingly, I overheard a story where a pensioner receiving superannuation had a flatmate in their sleep-out (not a boarder, but they’ll probably see it as a boarder (different tax rules) and they ask to be paid that rent in cash. Why would they do this? My mind went to probably avoiding declaring it and therefore paying tax on it. Many everyday Kiwi cheekily bend the rules too. Sometimes it’s intentional. But often, it’s just a lack of understanding. Let's explore.

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 podcast was first released in December 2023 and has been an all-time favorite podcast from the audience. If you missed it, this could be worth tuning into.

Mikey comes in all guns blazing around why everybody needs to experience the hunting season, and no we ain't talking about knocking over a couple of deers or goats. In this podcast we will explore what a hinting season is and how 18-36 months of your time could change your life projection.

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.