Keep The Change

A few weeks ago I asked a simple question and the answers were bloody thoughtful and honest. Have a think about how you would answer that. And maybe it’s based on what you wish you knew now? Here is a summary of what came through in the comments. AND one suprising one that was missed!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/

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/

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/

Today Amy from Levridge breaks down some real client examples of New Zealander's building wealth. The pattern is clear: small tweaks in the right direction and knowing why you're doing it create massive differences over time. Everyone's at a different starting line, running a different race. But the ones getting ahead all have one thing in common: they got good advice and took action.We cover relationship property agreements, why your home isn't actually an investment, the importance of accountability, and how restructuring debt can save thousands in tax. Plus, why sometimes the best financial advice is to do nothing at all.Find Amy:https://levridge.co.nz/https://instagram.com/amy.levridgeAmy 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.

I’ve heard this more times than I should.I am sure you would have heard it before. You may even believe it. It is perhaps the most dangerous money belief you can have. So let’s explore how we could look at this from some different angles and perhaps encourage others to do the same. 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/

Over 90% of Kiwi workers now use AI, but most companies haven't provided official tools yet. Mikey and I break down what's really happening and what's coming next.We cover the productivity gap where employees are much faster than their bosses realise, using AI for everything from drafting reports to summarising legal briefs in seconds. We explore why GDP hasn't grown despite this AI boom, the jobs that will disappear versus those that will thrive, and whether Universal Basic Income is the answer or just creates more problems.The arbitrage opportunity exists now, but once everyone has access to AI, no one has an advantage. The window is closing.Luke and Mikey discuss the investment bubble around AI (everything gets "AI" added to the name and stock prices explode), why some businesses will get crushed while others use AI to become more efficient, and the importance of focusing on what you can control rather than getting distracted by shiny objects.The world is changing fast. The question is: are you adapting or getting left behind?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.

Every now and then, I see the same scary stat get thrown around. “70% of small businesses fail within the first five years.” I don’t know who started this, but it’s usually said with the same typical Kiwi certainty of those non-players who could coach the AB’s to a World Cup or slot one from the sideline. But because I am slightly unwell, I started trying to figure out where that statistic even came from and if I could find it. Turns out that stat is misleading at best and often flat-out wrong.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/

Budget 2026!!! I went to the live from the beehive. There were hundreds of pages of forecasts, funding announcements, assumptions and political chat. I’ll be honest I didn’t read every page. The challenge was trying to work out what actually matters to everyday Kiwis like you. So a few (not all) of those things…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/

Luke caught up with Greg Smith, investment specialist at Generate to break down everything you need to know about the 2026 budget. From changes to FIF rules, to the new infrastructure developments and what it means for everyday New Zealanders.Find Greg: https://www.linkedin.com/in/greg-smith-cfa-07214215/ https://generatewealth.co.nzAmy 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.