Keep The Change

Earlier this year a statistic from a Censuswide survey said Kiwis are checking their devices up to 50 times an hour. Another report said people get around 146 notifications daily. Recently, Gmail rolled out a new feature: you can now see all the email lists you’re subscribed to in one place. One glance, and you’ll probably realise you are subscribed to way more junk than you thought. I am!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/

Half the stuff you buy, you can't actually afford. But debt dealers have found a way to break down payments so your future self can pay for today's bad decisions.Luke and Mikey explore what would happen if all consumer debt was banned tomorrow: new car sales would drop 80%, white wear would last 15-20 years instead of 7-10, and people would focus on skills and experiences instead of stuff they can't afford.Debt is a form of slavery. You're pledging your future self to pay for things you want now. Meanwhile, buy now pay later increases average order value by 40% because people add extra items when they're not paying real money.The cage is disguised as convenience. You think you're using their money, but they're using your behaviour to make you spend more.Stop being the bank for your future self. The journey matters more than the transaction.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.

I headed into BDO to talk with their interns about what uni doesn’t teach you:- How not to get stuck in survival & status mode- How most people don’t like their jobs (and how to avoid that)- Using your interests outside work as your advantage- Money traps: debt, status spending & trying to look successful- What freedom really is and how to start aiming for it nowIf you’re a student or grad who wants more than just a paycheck and a job title, this is for you.

Thanks to everyone who came along to KTC Unplugged 2025. Here's some thoughts from behind the scenes and some insights from the night. Hope to see you at the next one!

If everything you do is safe and predictable, then the outcome will be safe and predictable too. This was a tough life lesson for me to accept. But it seems to be very common nowadays that a lot of people expect extraordinary outcomes with zero actual risk. There’s nothing wrong with these choices, but they’re safe choices. You can’t reasonably expect unsafe rewards from safe behaviour. Our lack of eduction OR acceptance of this can lead to envy.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/

Ryan breaks down his journey from employee to business owner: 12 years working for others, multiple failed attempts at partnerships, and finally finding a seller in Ashburton. We cover the 8-year vendor finance deal that made it possible, why his house losing $45K in value didn't stop him, and how he's now building the practice he always dreamed of.The reality? Most optometrists stay employees forever. Ryan refused to accept that path, even when deals fell through and relationships ended. He kept pushing until he found the right opportunity.From Specsavers pathway programs to independent practice owner, sometimes the long way around is the only way that works.We cover cash flow challenges, paying loans with after-tax income, building community connections, and why small town optometry beats city employment. Plus his next vision: owning a deer farm while running his practice.Twenty years from childhood dream to business reality. Persistence pays off.Find Ryan:Linkedin: https://www.linkedin.com/in/ryan-o-connor-827a9562/ Instagram: https://www.instagram.com/ryanoconnornz/ Website: https://www.asheye.co.nz/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.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924Generate 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.

Most first home buyers think they need 20% deposit and will take 8-16 years to save it. Meanwhile, house prices keep rising faster than their wages.Jared from Tamaki Regeneration breaks down shared home ownership. We cover how it works with banks, why it's not a scam, and how families are getting keys to new homes in 2-3 years instead of waiting decades.There is hope. You just need to know where to look.Find JaredLinkedin: https://www.linkedin.com/in/jared-partridge-21615694/Website: https://tamakiregeneration.co.nz/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.nzInstagram: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nzGet tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924I 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 https://www.generatewealth.co.nz/change/ to find out more.

Most employees think their boss is “making a killing.” In this episode, I break down the hidden costs of running a business, the real risks owners carry, and why comparing your hourly rate to what the client pays is a massive misunderstanding. Strap yourself in.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/