Keep The Change

Mike Sutherland bought a tiny brewery in Leigh with very little brewing experience. Now, Sawmill produces almost 2 million litres a year and employs 50+ people.Mike breaks down the journey from learning to brew from a textbook, competing against Lion and DB's exclusive contracts, and building the business through farmers markets and word of mouth. We cover the 1am phone call that changed everything - "the brewery is on fire" - and how they kept growing while rebuilding everything from scratch.The fire destroyed one end of the building, but Mike never considered quitting. They brewed at 15 different breweries during the rebuild and came back stronger.We cover the morning tea rule (everyone stops at 10am, no phones allowed), why they focus on bars and restaurants over supermarkets, and the B-Corp certification that proves you can run a sustainable business with a sustainable bottom line. Plus why Mike thinks New Zealand needs to keep control of its food and beverage assets instead of selling them overseas.From reluctant employee to brewery owner employing 50 people, sometimes you have to take the leap to find what you're meant to do.Find more info on Sawmill:Website: https://www.sawmillbrewery.co.nz/ Instagram: https://instagram.com/sawmillbrewery/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 : amy@levridge.co.nz 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.

New Zealand ranked last out of 11 Asia-Pacific countries for business growth for the second year in a row. And I don’t think it’s JUST because of the economy. The data suggests it’s because of who’s running it. One factor is something we are scared to talk about. Let me explain. 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_nzhttps://www.keepthechange.co.nz/

Andrew Rooney started making drum videos as a personal library for his students. Now he's got 177,000 subscribers and makes more from YouTube than he ever did gigging.Andrew breaks down the accidental journey: from "Coffee with Rooney" Facebook lives during COVID to viral drum reaction videos that hit 3.5 million views. We cover why he gave up thousands of gigs to focus on content creation, the loneliness of building something while others have normal jobs, and how sponsors found him instead of the other way around.The video that changed everything was filmed on a Samsung S5 with terrible audio while he had a cold, sometimes imperfect action beats perfect planning.We cover the income streams most people don't know exist (AdSense, Patreon, sponsorships), why Americans are more generous with support than Kiwis, and the mindset shift from trading time for money to building an audience.Your expertise is valuable. The internet just makes it scalable.Find Andrew on YouTube: https://www.youtube.com/@AndrewRooneyDrumsAmy 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 : amy@levridge.co.nz 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.

I know I’m flogging a dead horse because there are now a million users of it and over 40% of the users have multiple accounts. But anyway, I enjoy pushing sh!t up hill for the few who will listen. When you’ve already pre-spent and committed that buffer on repayments, you don’t have cash to absorb the shock so you feel it immediately. The buffer in the budget is gone! That makes you vulnerable. No one likes feeling vulnerable.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_nzhttps://www.keepthechange.co.nz/

Alongside six others, Leighton Roberts co-founded Sharesies back in 2017. Sharesies is a wealth app that's helped make investing simpler for one million users. He breaks down why most people struggle with investing and how to actually get started.Leighton explains why Kiwi can get overwhelmed by choice, the journey building a startup, how to overcome analysis paralysis when it comes to investing, and the power of compounding returns.,Get started on SharesiesCreate an account with Sharesies using the code 'KTC10' and Sharesies will match your first $10 deposit with an additional $10 to get you started investing. Terms and conditions apply. For more info visit https://sharesies.com Investing involves risk. You aren’t guaranteed to make money, and you might lose the money you start with. Any information we provide is general only and current at the time prepared. For advice we provide, see our disclosure statement. This is a paid promotion and is not financial advice.The KTC10 promotional code is offered by Sharesies Limited. Terms and conditions of this offer apply. These terms apply in addition to Sharesies General Terms and Conditions, Invest Terms and Conditions, and Privacy Policy.Find Sharesies on:Website: https://www.sharesies.nz/Instagram: @sharesiesnzFacebook: https://www.facebook.com/Sharesies/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 : amy@levridge.co.nz 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.

ASB just dropped a number that made me look twice to see if it was right. They say that ‘households will likelThat’s hard enough for most people. But then an accountant like me says no you don’t. You need MORE! Because that $55 a week is after-tax money.y face a $55 per week increase in the cost of living over 2026'. Let's explore how that works.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_nzhttps://www.keepthechange.co.nz/

Just when it felt like things were improving, here we go again. Multiple conversations I had over the week cited the same thing. People back in fear. People delaying decision making. People not wanting to invest or take out debt. Business confidence has tanked quickly too! Inside my business I’ve noticed business planning inquiry drop. It’s hard to plan for 12 months' time when you can’t see certainty in front of you. And all of this before things REALLY change for NZers.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_nzhttps://www.keepthechange.co.nz/

Chloe McKnight sells businesses and sees the same patterns: the businesses that sell well are organised, have systems, and can prove consistent income. The ones that struggle are hoping someone will pay for their potential.She's seen young people selling e-commerce empires they built as side hustles, and baby boomers shocked their 30-year business isn't worth what they thought.We cover vendor finance deals, why banks are getting more flexible with business lending, and how most people leave selling too late and end up accepting whatever they can get.Find Chloe:https://www.instagram.com/chloemcknightkakapo/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 : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGenerate 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.

Mikey and I have both become millionaires through building million dollar businesses alongside traditional investments. Mikey left a million-dollar income to start Guardian and is only just coming out the other side after four years, whilst Ive grown my accounting & advisory firm alongside my business partner to $2m/year in revenue. We cover the valley every entrepreneur faces, why most people quit when things get hard, and how believing in something for a decade changes everything.We cover why speed beats perfection, the resilience required to build something meaningful, and how both their businesses reward them for the risk they're taking. Plus the mindset shift from thinking in months to thinking in decades, and why New Zealand is actually perfect for building wealth if you're willing to do the work.It can still be done in New Zealand. You just have to be willing to do the hard work.Find Mikey:https://guardiansmith.co.nz/https://instagram.com/officialmikeysmithAmy 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 : amy@levridge.co.nz Instagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGenerate 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.