Keep The Change

I Team up with Jake from Generate and John from Kauri Wealth for this essential retirement reality check that every Kiwi needs to watch.We break down the brutal truth about retirement costs in New Zealand and why most people are nowhere near prepared for what's coming.Key topics covered:The new Kiwi Saver changes: 3.5% contributions in 2025, 4% by 2028Why the $260 government contribution cut actually makes you better offRetirement costs: $99-$1,031 per week depending on lifestyle and locationWhy NZ Super probably won't exist when you retireGenerate members vs industry averages (the results will shock you)The value of getting proper Kiwi Saver adviceHow much you actually need by age 30, 40, 50, and 65Why using Kiwi Saver for your first home might be a mistakeI 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.

Meet Mahesh Muralidhar, the tech executive, investor, and the man on a mission to birth 10 billion-dollar Kiwi startups by 2026.Mahesh shares the lessons he learned scaling global giants like Canva and Airtasker, and why he returned home to lead the charge in New Zealand’s tech ecosystem through Phase One Ventures. We dive deep into:  •  What’s holding Kiwi tech back and how we can fix it  •  Why wealth-building isn’t a dirty word in New Zealand  •  How to think globally (even if you’re starting in a small market)  •  The mindset shift founders need to scale  •  Why young Kiwis should be bullish on tech and ownershipThis conversation is packed with gems for anyone who wants to grow their impact, income, or understanding of business in the modern economy. Whether you're a founder, investor, or someone just starting out this episode will expand your view on what’s possible in Aotearoa.Find Mahesh On Insta: https://www.instagram.com/mahesh.akl/Find Phase One Ventures: https://www.phaseone.venturesGenerate 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.

Having an emergency fund has changed my life. Why? Well it changed who I was. So let’s start putting SOMETHING aside. Just like this person did: The assurance and peace it gives you having an emergency fund is second to none! The thing people don’t realise is start small and the relief from stress of your car breaking down or the likes lessens. It’s not too late, get started and save one. Or maybe it's time to bump it up a little for how expensive life has become. 

The Power of Proximity: Get Closer to What You Want! Today we define and explore the concept of proximity why getting closer to action, opportunity, and the right people can change your life. As the economy begins to shift, now is the time to lean into environments where people are thinking bigger, doing more, and moving forward. Whether it’s health, wealth, mindset, or momentum proximity is a strategy we can all embrace. We share real-life examples from our own journeys and unpack how you can start using this powerful tactic today.Don’t ignore proximity!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.

We each don’t know what each other are REALLY going through. We may all have different incomes. Different realities. But the key to remember? Money doesn’t miss anybody. Instead of wishing for someone else’s life, what if you started reshaping your own? Tidy up one thing. One money issue at a time. Start with where you are and build from there. How could YOUR life be better if you tidied up some of the money issues YOU have? Because, you can!

Recently I teamed up with Lighthouse Financial and Sorted for this emergency fund masterclass, and it's exactly what every Kiwi needs to hear right now. 44% of Kiwis don't have an emergency fund. That's 2.3 million adults walking around completely exposed to life's curveballs.In this session, James from Lighthouse, Tom from Sorted, and I break down:Why you need $1,000 before you do anything elseThe real cost of not having emergency money (hint: it's not just financial)How to calculate your actual emergency fund targetWhy revolving credits sound good but usually backfireThe tools that actually work to build your fundWe kept this practical, no-nonsense, and focused on what works in the real world. No theory, just the stuff that will actually help you sleep better at night.If you're one of those 2.3 million Kiwis without an emergency fund, this is your wake-up call. And if you've got one but haven't reviewed it lately, we'll show you how to make sure it's actually fit for purpose.This is Money Month content that could genuinely change your financial future.

You see it online all the time: “Not everyone wants to be a business owner. Well, no sh*t. You don't often hear: ‘’Not everyone can be an employee.’’ Right now, over 406,000 Kiwi are currently receiving a form of ‘main benefit’ government support. Imagine if just 10% of those 406,000 people were equipped with boring ole income-generating skills? Why haven't we normalised this?

What makes a great fighter and an even better coach? City Kickboxing head coach Eugene Bareman opens up about his journey into fighting, the critical role of self-discipline, and why mental toughness matters more than raw talent. We explore the reality of big paydays, the resilience required to stay at the top, and how he’s helped shape a culture where even the biggest superstars stay grounded. From humble beginnings to putting New Zealand on the global MMA map, this episode is packed with insight, honesty, and the mindset behind building champions.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.

Today, we sit down with Rose Kennedy, the visionary behind Rose’s Dining Table (https://www.rosesdiningtable.co.nz/), a unique experience that turns dining into a form of creative expression. From quitting her full-time corporate job because she knew she wasn’t herself, to designing immersive dining experiences across New Zealand, Rose shares how her signature pink dining table became a symbol of connection, creativity, and conceptual hospitality.We talk about the power of shared meals, building a brand rooted in emotion and design, and how one bold idea can create space for community, conversation, and unforgettable experiences.Find Rose:Instagram: https://www.instagram.com/rosesdiningtableWebsite: Rosesdiningtable.co.nz (https://www.rosesdiningtable.co.nz/)LinkedIn: https://www.linkedin.com/in/rose-kennedy-777705171/Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.