Keep The Change

Out of interest, I asked the KTC audience how their year was via Instagram. Let's go through some replies. Some raw ones there! And interestingly, 66% said that 2025 was better than expected. For all of us, let’s have a moment to reflect. Ask yourself, was 2025 better than you expected? Next, ask yourself this ripper… ‘What would I need to do in 2026 to have a GREAT year?’.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.

Blake Evans, a 21-year-old e-commerce entrepreneur, has turned his bedroom into a multi-million dollar empire. He shares his journey from working at Wendy's to hitting $1.7 million in a single month. Blake discusses the loneliness that often accompanies entrepreneurship and the sacrifices he's made, including selling his car to invest in his business. He emphasizes the importance of finding a niche, sticking to it, and the power of lifestyle content in attracting an audience. With candid insights, he highlights the drive and discipline crucial for success.

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

Imagine if all consumer debt vanished overnight! Luke and Mikey dive into the chaos that would ensue, like plummeting car sales and longer-lasting appliances. They reveal how 'buy now, pay later' schemes trick us into spending more and how debt constrains our life choices. The duo explores the shift from consumerism to valuing skills and experiences instead of possessions. With a thought-provoking analysis of debt's real cost and its impact on our economy, this discussion challenges listeners to rethink their financial habits and embrace a debt-free future.

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

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

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

Ryan O'Connor, a therapeutically qualified optometrist and owner of a practice in Ashburton, details his inspiring journey from employee to business owner. He shares insights about his 12-year struggle, multiple failed partnerships, and the vendor finance deal that enabled his dream. Ryan discusses the cash flow realities of ownership, the importance of community integration, and leveraging technology for patient care. He even hints at future aspirations to own a deer farm while growing his practice!

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

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