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ICYWL - Money Mail 149 - Doing it tough out there? Who to call
This is a re-release of an earlier podcast that other listeners have found very useful.
The number of people struggling financially is really starting to increase. Nearly 12% of Kiwis are currently behind on their debt repayments: personal loans, credit cards, BNPL etc. For some reason, it can be really hard for us Kiwis to ask for help. It seems to be something we’ve mastered - not asking for help. A lot of people will feel helpless or even embarrassed about their debt levels, so they will simply bury their heads in the sand. We know deep down that this isn’t a solution. So here is where to turn to...
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.
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Ep 247 - What If Stock Markets Tank In 2025?
33:30|At the back end of 2024 I started to get worried about stock market returns. I was receiving too many messages from people having great performance in their KiwiSaver and their investments. Don’t get me wrong, I loved to see it. I was even checking mine. A 16% gain for my KiwiSaver in 2024. You beauty. But when these messages kept coming, I got worried. Worried about what happens when it suddenly turns. Because it can. So what do we need to be thinking about?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/MY2CENTS - $2k Per Month Passively
07:32|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_nzhttps://www.keepthechange.co.nz/How to Escape 'Survival Mode' w Mikey Smith (GuardianSmith.co.nz)
44:34|Are you stuck in survival mode, living paycheck to paycheck and constantly stressed about money? This episode is for you! No shade either, we’ve all been there!In this episode, we’ll help you recognise the signs of survival mode and, more importantly, give you actionable steps to break free. We promise you there are many, many actionable steps to help you escape this stage of your financial journey and life. OR at least decrease the time you stay here.We cover some ground! From mastering the basics of budgeting to increasing your income and building a financial safety net, this episode is your roadmap to financial stability. You will also learn how to shift your mindset from scarcity to abundance and take control of your financial future.Note - if you haven’t listened to the podcast ‘The pyramid that explains your situation’, you may want to for some pre-context. 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.Money Mail 246 - How To Easily Make An Extra $10,000 In 2025
31:45|Whether you need it to ease a bit of financial pressure or work toward a big goal, here’s how you can make it happen, even in one of the toughest economies New Zealand has seen since the 1990s. I continue to maintain that if we teach more people how to make a bit of extra cash, it will solve a lot of the individual problems people face. Many people feel stuck financially but don’t realise money is EVERYWHERE and that they can get their hands on it. I am going to step you through how to attack 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_nzhttps://www.keepthechange.co.nz/MY2CENTS - #1 Way To Pay Off A Kiwi Mortgage Faster
13:40|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_nzhttps://www.keepthechange.co.nz/Dropout to Debt Free: How This 27yo Bought Property With Cash w Philip Paul (KTC Listener) [Changers]
01:05:48|At just 27, this young Kiwi shares his incredible journey from grinding hard in his day job to buying property outright, trading stocks, and preparing to launch his own building business. Philip Paul has done a lot in a decade since being given the boot from school. In this episode, we dive into how he’s got ahead so quickly in NZ. From the lessons he learned by offering more value at work, investing, not buying material things he once could and his mission to normalise conversations about investing with his colleagues.Hear how the Keep The Change podcast inspired him to push through an uninspiring environment and prove that hard work, smart money moves, and relentless determination can truly change your financial future. This is a story for every young Kiwi ready to grow and win.Get stuck into it!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.Money Mail 245 - The 2025 Economy; What Happens Next?
34:18|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_nzhttps://www.keepthechange.co.nz/MY2CENTS - ‘I Don’t Care About Money’ | Yeah Right!
07:33|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_nzhttps://www.keepthechange.co.nz/Kickstart Your Wealth In 2025: Investing Hacks w Linus Field
36:38|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.