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The CEO Of New Zealand's Largest Gym Franchise (60,000+ customers) Cameron Ward
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Cameron Ward runs 62 Anytime Fitness gyms across New Zealand and has seen what separates successful franchises from failures. The stats are brutal: 1 in 20 gym franchises fail within 2 years, but 1 in 5 independent gyms don't make it.
Cam breaks down what it really takes to succeed in franchising: follow the systems religiously, have proper capital (not just for setup, but working capital too), and understand you're investing in proven processes, not buying passive income.
The most successful franchises follow the systems. The ones that struggle think they know better than the proven model.
We cover the journey from employee to franchise owner, why some people own multiple sites, and the reality check every potential franchisee needs: if you think franchising is easy money, you're going to come unstuck pretty quick.
Franchising isn't plug and play, it's investing in a system that works if you work it.
More information on Anytime Fitness: https://www.anytimefitness.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.levridge
Website: https://www.levridge.co.nz
Generate 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.
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Dave Wood on Stress Control: The Skill That Separates Winners from Losers
01:18:13|Dave Wood is one of New Zealand's leading experts on stress control, from working as an intensive care paramedic to coaching some of the UFC's top fighters, and today I sat down with him to understand how to better harness & control our own stress.Dave breaks down the crisis of unprecedented levels of stimulation in the modern age, how to control your stress level and the breathing techniques anyone can use to see results for themselves. Your ability to control your state under pressure is a skill, it's time to develop it.Reach out to Dave at info@wmw.co.nz or https://wmw.co.nz/contact/ and mention KTC for 10% off any of their products, only available up until June 30th 2026. Find Dave:Website: https://wmw.co.nz/ Instagram: https://www.instagram.com/integrated.training/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.
The App That Builds Your Wealth As You Spend: Feijoa Founder Mark White-Robinson
51:22|Mark from Feijoa built an app that rounds up your spending and puts it straight into KiwiSaver. 3,000 users are now contributing hundreds if not thousands per year extra without thinking about it.Mark breaks down how it works, we cover why they chose KiwiSaver first, the 1.6 million who don't regularly contribute, and how roundups solve the behaviour problem traditional saving can't.We cover the regulatory hurdles, why they use open banking, and the expansion plans into managed funds and ETFs. Plus Mark's fundraising journey, from bootstrapping to raising $750K to scale the marketing and tell more people about automatic saving.Find more information on Feijoa at https://feijoa.kiwiAmy 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.
MM 315 - Saving Or Investing For The Kids?
33:16|The question a grandparent asked me this week. They had been tucking money away weekly for their grandchildren and wanted to know if they were missing something by not investing the money. They currently save it into a bank account. Great intentions but times have changed a bit! Over long periods of time, investing can dramatically outperform cash sitting in a bank account. So how do we go about 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/
NZ Liquidations At A 15-Year High: What’s Really Happening? w Brent Norling
01:04:19|New Zealand liquidations have hit a 15-year high, the highest since the GFC. Todays guest is lawyer Brent Norling who's receiving 160 calls a month from businesses drowning in tax debt, one of the main driving factors of these liquidations.IRD debt has exploded from $2.5 billion to $9.5 billion, with the next update likely starting with a 10. The pattern is often the same: lose money on a job, do the next job to pay for the previous one, then use IRD and creditors to fund the shortfall until it all collapses.We cover why employees get burnt when Kiwisaver deductions aren't paid, the construction domino effect when big companies fail, and why most directors never get prosecuted despite owing millions. Plus the harsh reality: if you're using IRD as your bank, you're competing unfairly until you get caught.The liquidation wave is here. Don't be next.Find Brent: Website: https://norlinglaw.co.nz/Linkedin: https://www.linkedin.com/in/brent-norling/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.
MM 314 - I Got Access To Thousands Of People’s Wages!
32:09|That subject line sounds so sexy. But one of my first jobs out of uni was not so sexy. Being an auditor. Don’t you dare judge me. This meant that in my early 20s, I worked inside councils, universities, government organisations, and powerline companies reviewing payroll systems and employee records. I think this experience mattered more than I realised at the time. Because once you’ve seen the data, it becomes harder to believe the story that earning well is impossible.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/
NZ's Cost of Living Trap: Are You Living in the Wrong City?
43:26|Today we're talking about the all important subject of how where you live impacts not only your finances, but your life in general. Answering the questions of should you move somewhere cheaper to save money? Or does it make sense to live in a more expensive area to go after opportunity? Should you buy someone with a long commute, or rent somewhere without one? All of this and more in todays episode.But we want to hear from you too, whats worked for you? What have you learned? 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.
MM 313 - Do You Have To Pay Tax On A 'Hobby'?
36:15|There is no hard and fast ‘business or hobby?’ number, so let’s explore how it works. To start with, let’s keep it simple. A hobby = done for fun. Probably one off or done rarely. A business = done to make money. Consistently. However, it’s not what you call it. It’s how it looks.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/
Michelle Morfett Is Building A Baking Empire: Content, Cookbooks, Ecommerce & A Bakery
01:10:38|Michelle Morfett has a cake shop, a self published cookbook, an ecommerce site, a thriving social media presence and manufactures her own baking tins. Today she breaks down how she built multiple income streams, we cover why she turned down publishers, and why diversifying income streams gives her confidence.We cover the loneliness of entrepreneurship, why she lost all shame about posting content, and how social media became essential after initially building a business without it. Sometimes the best business strategy is just backing yourself to figure it out.Find more info on Michell:Instagram: https://www.instagram.com/michellemorfett/YouTube: https://www.youtube.com/@MichelleMorfett Website: https://michellemorfett.com/Mint Cakery: https://mintcakery.com/ 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.levridge Website: https://www.levridge.co.nz Generate 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.
MM 312 - I Invested $50k Into This Kiwi Start Up
31:32|Today, I want to tell you about a new Kiwi fintech called Feijoa. But first, full transparency: after being a customer, I ended up investing in their recent funding round and am now a VERY, VERY small shareholder. So yes, you could 100% argue I’m biased. It is my first 'Fintech' investment, and I am looking forward to taking you on that journey of how that space works, where appropriate also. With that said, I’m going to give you the straight view as always, and why I kicked some of my hard-earned money 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/