Keep The Change

1 in 2 business owners in New Zealand are over 50. This is according to CPA Australia's Asia-Pacific Small Business Survey. Compared to NZ, the Asia-Pacific average is against a survey average of 28% New Zealand has around 546,000 small businesses, which represent 97% of all firms in the country. These small businesses are a massive part of the economy, contributing significantly to employment and the gross domestic product (GDP). So what is going to happen as these business owners get older?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/

After sparking massive engagement on social media this week about pet emergency funds and pet insurance, this podcast wraps up the convo and gets us thinking. We know you love your pussy and pooch like family but what happens when unexpected vet bills arise? Is pet insurance a waste of money? Is the pet industry going to boom?Discover why having an emergency fund could save both your furry friend and your finances, learn how pet insurance really works, and hear powerful insights inspired by over 200 passionate DMs from pet owners.Have fun 🫡

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/

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/

If your personal finances were a business, would you be turning a profit, or running into debt? The new financial year (starting 1 April every year) is the perfect time to reset, audit, and plan ahead. In this episode, we’re tackling everything from cutting unnecessary expenses and boosting income to smarter investing and setting financial goals that actually stick.Whether you want to get out of debt, grow your wealth, or feel more in control of your money, this episode will give you the tools to build real financial momentum. A good reminder for some of you and a great starting point for others of you. Audit your finances – Where did your money go last year?Cut the waste – Subscription traps, unnecessary spending & better deals.Increase your income – Pay raises, side hustles & new opportunities.Set a winning financial plan – Budget smarter without feeling restricted.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.

I recently came across a video where someone shared their frustration and exhaustion over the rising cost of living. The video highlighted that those earning above the median income are struggling too, and the situation is worse for those earning less. “I’m working harder than ever, but I’ve got less to show for it.” This isn’t just one or two people feeling this way. There were thousands of comments. What the hell is going on?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/

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/

Why does having money sometimes feel more stressful than not having it? In this episode, we explore the fear, uncertainty, and pressure that can come with receiving a lump sum of cash or more than we once expected to have.From the anxiety of making the "right" investment to the deeper mindset challenges around wealth, we unpack why money feels like a burden and how to shift that perspective. This topic came from 2 people who recently said that they are ‘scared’ of money they are about to have. We’ll dive into personal stories, the psychology of financial confidence, and practical steps for managing money wisely. Whether you’ve come into unexpected wealth or just want to improve your relationship with money, this conversation is designed to get you thinking.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.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/

I recently asked 500 people whether dividends were a capital gain. Have a think about that answer. 30% think that they are. A reminder that dividends are a form of payment from a company's profits. Dividend - a sum of money paid by a company to its shareholders out of its profits (or reserves). One of the benefits of investing is that you get to learn more about how finance works. You start to learn the language of shares, dividends, imputation credits, taxes, realised vs unrealised etc.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/