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. Hosted on Acast. See acast.com/privacy for more information.

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/ Hosted on Acast. See acast.com/privacy for more information.

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/ Hosted on Acast. See acast.com/privacy for more information.

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/ Hosted on Acast. See acast.com/privacy for more information.

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/ Hosted on Acast. See acast.com/privacy for more information.

This week, I had the privilege of returning to my old high school to speak at assembly. I wanted to share some key lessons from my speaking journey so far and insights that might help you as well. I’ll also touch on some of the messages I shared with the young lads. Hopefully, you’ll find some inspiration in this episode too.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/ Hosted on Acast. See acast.com/privacy for more information.

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/ Hosted on Acast. See acast.com/privacy for more information.

This man knows how to get attention and turn it into serious business growth. In just 6 years, Stanley Henry has built The Attention Seeker from 0 to 40+ staff and isn’t slowing down. They work with some of the biggest names in the game and hit millions of eyeballs every week with their content. In this episode, we dive into why your personal brand isn’t optional anymore and how ignoring it is costing you opportunities. Whether you are starting out in business, employed or wanting people to see your idea, this is for you. We explore…🔹 What’s stopping most people from posting (and how to get over it) 🔹 Why business owners, professionals & entrepreneurs need a brand 🔹 The mindset shift that helped Stanley scale so fast 🔹 What’s next for him and how he’s thinking even biggerThis isn’t just theory or for business owners only, it’s inspiration with a game plan. If you want to stand out, grow, and unlock new opportunities, this episode is a must-listen.Find Stanley here: https://www.linkedin.com/in/stanleychenry/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. Hosted on Acast. See acast.com/privacy for more information.

If you did your February 2025 month end, you might have noticed something…your net worth may have taken a hit? Mine certainly did (and it wasn’t just the trip to Vegas…). But before you start spiraling, let’s talk about what’s really going on. Markets have been about as stable as a three-legged chair lately. Stocks? Down. Crypto? Unpredictable as ever. 'The Magnificent 7'? Shaky as. Houses? Not doing much. KiwiSaver? We've had a good run but are now impacted by global issues. If it feels like everything you own has taken a dive, you’re not imagining it. A lot of portfolios are looking a little worse for wear right now.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/ Hosted on Acast. See acast.com/privacy for more information.

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/ Hosted on Acast. See acast.com/privacy for more information.