Most people misallocate their time worrying about share platform fees when they should be asking their boss for a raise. They're trying to optimise $3 in fees instead of increasing their income by $10,000.

Luke and Mikey break down the hierarchy: time allocation first, income allocation second, capital allocation third. We cover why when you're young, time is your capital, and when you're older, capital buys your time back.

You can get more money, but you can't get more time. Yet most people waste hours researching investments instead of spending that hour asking for a pay rise.

We cover why misallocating time is worse than misallocating money, the needle-moving activities that actually matter, and why successful people do boring things consistently. Stop looking for magic solutions in chapter 8 when you haven't finished chapter 1.

Time is your most valuable asset. Are you treating it that way?

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.

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