Every week in NZ, people turn down overtime, stop pushing for bonuses, or refuse side work because they think it’s not worth it. Is that right? Some are even convinced they received less, for working more. The old accountant in me couldn’t help but step in and ask a few questions to try to help.

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_nz

https://www.keepthechange.co.nz/

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

For 12 months, 70,000 New Zealand citizens have left to live overseas. 60% went to Australia. That's the highest we've ever seen.

Our most popular guest yet, Professor Paul Spoonley is back to break down what's really happening: we're losing young graduates, skilled workers, and even 30-somethings who've been in our workforce for years. Meanwhile, net migration has dropped to just 10,000, we've "emptied the coffers" on population growth.

The economics are brutal, Australia's offering higher wages on top of relocation fees, while NZ graduates are unable to find jobs whilst sitting with massive debt, so why not move somewhere that pays more?

We're facing a 250,000 worker shortage over the next 20 years, but we're losing our best people to countries that value them more.

New Zealand has changed. The question is: are we adapting fast enough?

Find Paul Spoonley on X: https://x.com/PSpoonley

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

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

I 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.

Only 21% of people globally are engaged in their work. That means almost 4 out of 5 people are turning up each day to something that doesn’t really light them up. Crazy, right? Well, probably bloody normal based on the stats. But for me, that’s hard to relate to. So I asked the Keep The Change audience: “Why stay in work you’re not actually engaged 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_nz

https://www.keepthechange.co.nz/

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

Most Kiwi families have no idea what's coming when their parents age. Then they get hit with legal bills, family fights, and financial shocks they never saw coming.

Emily Silby breaks down the legal reality every family will face: enduring power of attorney, wills, retirement village contracts, and rest home subsidies. We cover the 30% deferred management fee, why you don't actually own anything in a retirement village, and what happens when your parents can't make decisions anymore.

The numbers are brutal: median rent is $600/week, but retirement village fees can hit $400/week on top of your million-dollar entry fee. Meanwhile, 85 is the average age people enter rest care - if they ever do.

If your parents don't have wills and enduring power of attorney sorted, you're setting your family up for expensive legal battles and court applications.

We cover relationship property traps, residential care subsidies, and why leaving it to the kids to figure out is the worst possible plan. Plus the MSD loan scheme that keeps people out of limbo when houses won't sell.

Don't wait until crisis hits. Get the legal structure sorted now, while everyone still has their marbles.

Your future self will thank you.

Find Emily

Email: emily@rejtharlaw.co.nz

Linkedin: https://linkedin.com/in/emily-silby-a5181290

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

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

I 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.

Labour’s Chris Hipkins has put his chips on the table with a Capital Gains Tax. Yep the one that’s always been political poison in New Zealand. Will Labour win an election on this? Don’t know but credit to them getting this out in the public a year before the election so that people can sit with it and have epic Xmas arguments with their family. Let's explore a quick summary of how it would work.

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_nz

https://www.keepthechange.co.nz/

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

Every November, we see the moustaches pop up but what’s really behind the movement?

In this episode, we sit down with Robert Dunne, Movember’s New Zealand Manager, to dig into the story behind the mo. We talk about how the campaign started, his involvement, what’s changed in Kiwi men’s health, and why it’s still so hard for blokes to open up.

We also cover some tough conversations, and how small actions like growing a moustache can have massive ripple effects for men, families, and communities.

This one’s for every guy who’s ever said “I’m fine.”

Find Robert

Email: robert@movember.com

Website: https://nz.movember.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

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

I 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.

Stats NZ dropped some new household wealth data recently. And apparently…we’re richer. The median Kiwi household is now worth $529,000. Remember 'worth' is assets minus liabilities. That median Kiwi household figure is up from $399,000 in 2021. What can we learn from the wealtheir households?

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_nz

https://www.keepthechange.co.nz/

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

Sustainability isn’t just a buzzword for Rita, it’s become a core driver of long-term business success.

In this episode, Luke sits down with Rita Hammond, founder of Sustaina Grow NZ, to explore how Kiwi businesses can embrace sustainable practices without sacrificing profitability.

Rita shares how Sustaina Grow started while juggling three children under three, relief teaching, and an obsession with building a business that mattered. What began as a passion project has grown into a brand that makes gardening simple, fun, and eco-friendly with wool-based grow mats, bestselling packs like strawberries and garlic, and innovative new products like the Garden Bar Project.

We dive into:

- The challenges of building a business while raising a young family

- Why obsession, not balance, has driven Sustaina Grow’s success

- Breaking monthly sales records, scaling warehousing, and embracing bold digital marketing strategies

- The power of small sustainable actions at home that can create big change for the planet

- Behind-the-scenes stories, from landing a $30K corporate contract with Vodafone (before the product even existed!)

This conversation is equal parts raw, inspiring, and practical  showing how determination, innovation, and resilience can turn barriers into breakthroughs.

Find Sustaina Grow :

Instagram: https://www.instagram.com/sustaina_grow

Website: http://sustainagrow.co.nz (https://www.sustainagrow.co.nz/)

Country calendar feature: https://youtu.be/O1Q_93OedLY?feature=shared

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

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.

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

Retirement planning isn’t just for you it’s for your whole family. In this candid conversation, I ask Amy to explore the tough but necessary questions about whether your parents (or you) are truly on track. 

Using insights from Amy’s step-by-step guide, we cover how to assess spending, assets, and retirement gaps; why compounding and smart debt repayment do the heavy lifting; and the practical conversations families should start having now. Whether you’re 30, 50, or helping Mum and Dad, this episode will give you clarity and confidence about the future

As always, no part of this podcast is intended as financial advice; it is intended as general information only.

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

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

Generate are supporting my vision to improve the financial literacy of 100,000 kiwis by sponsoring Keep The Change. Cheers Generate. Head to http://generatekiwisaver.co.nz/change to find out more.

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

New Zealand isn't the same country it was five years ago. But most Kiwis are still living like it is.

We've shifted from a factory economy to a skills-based economy, but everyone's still thinking like it's 1995. While you're waiting for your 2.6% pay rise, house prices are forecast to grow 6% annually. The math doesn't work.

Mikey and I break down what's really happening: why everything feels harder, why traditional employment isn't cutting it anymore, and why some people are thriving while others are struggling.

This isn't about doom and gloom. It's about seeing the new rules of the game.

The people doing well aren't waiting for the government to save them. They're not hoping their boss gives them a pay rise. They've figured out how to get paid for their skills, not their hours.

Treasury's own data shows wages growing at half the rate of asset prices. You can keep pretending this will magically fix itself, or you can adapt to the new reality.

The country has changed. The question is: will you?Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

I 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://generatekiwisaver.co.nz/change to find out more.

Amy from https://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

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

Too many of us have become weak in our reasons. Reasons are very powerful because they carry emotion and can pull us forward. If you haven’t, I would strongly suggest doing some work on your reasons (often called your why, purpose etc.) and drilling into things that are really emotionally powerful for you. We also forget WHO got us here. I was reflecting on this personally recently when doing some planning and I thought it might help you.

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_nz

https://www.keepthechange.co.nz/

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

Most Kiwi employees are sitting on a goldmine and don't even know it.

Your boss is probably over 50 and they're thinking about retirement but haven't figured out succession. Meanwhile, you're trading hours for dollars, watching house prices outpace your wages by more than double.

Here's what they don't teach you: You can buy into the business you already work for with ZERO cash down.

Phil Smith walks through the exact process, from having "the conversation" with your boss, to structuring vendor finance deals that let you pay with future profits. We cover shareholder agreements, valuations, and the traps that catch people out.

This isn't some get-rich-quick scheme. It's how smart employees are building real wealth while others complain about not getting ahead.

The data is brutal: Treasury forecasts 2.6% wage growth vs 6% house price growth annually. You can't afford to rely on wages forever. Stop waiting for someone else to hand you wealth. Take control of your income. Learn how the game actually works.

Find Phil:

Book a call with Phil: https://calendly.com/philsmith/buying

Website: https://nextadvisory.nz

LinkedIn: https://www.linkedin.com/in/phillipsmithca/

Get tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924

I 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://generatekiwisaver.co.nz/change to find out more.

Amy from https://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

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

This Money Mail is inspired by my client, who is a business that turns over hundreds of thousands of $$$ and feeds mouths + provides opportunities. What they do, is tested and works. Success leaves clues. I hope you turn this idea into money and have your best Summer yet. Most people wait around hoping money will somehow turn up, but it won’t. So do this!

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_nz

https://www.keepthechange.co.nz/

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

I headed to Auckland University to talk with first year students about the money lessons you’ll never learn in a classroom.

We covered:

Why NZ schools and Uni's don’t actually teach you how to make money

The real skills that matter for building wealth (and why most people miss them)

How to break out of the “get a job, work hard, hope for a pay rise” mindset

The biggest money myths young Kiwis still believe

My own journey from paper runs and student jobs to financial freedom

Honest answers to students’ toughest questions about careers, failure, and finding your strengths

Book Luke for speaking here: https://www.lukekemeys.com/

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

Over the next 25 years, New Zealand will undergo the largest intergenerational wealth transfer in its history between $1 trillion and $1.6 trillion in assets moving from baby boomers to their kids and grandkids.

But here's the problem: as lawyer Andrew Clements puts it, we're approaching this tsunami with "all the sophistication of a kids' game of pin the tail on a donkey."

In this conversation, Andrew breaks down:

- Why 90% of family wealth is lost by the third generation (and how to beat those odds)

- The three types of kids: rising, entitled, and disempowered (and which ones you're raising)

- Why most Kiwis don't have wills (and what happens when you die without one)

- The coming crisis in farming and family businesses as owners hit retirement

- How ultra-wealthy families stay wealthy for generations (and what we can learn)

- Why trusts are still essential tools, not just fashion accessories

- The family conversations most Kiwis are too scared to have

If you're a business owner, parent, or anyone with assets to pass on, this episode could save your family from becoming another wealth transfer disaster story.

Find Andrew Clements:

Website: https://www.graysonclements.co.nz/our-people/andrew-clements

Email: aclements@gclegal.co.nz

I 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.

__________________________________________________________________________________

Amy from https://levridge.co.nz has come on as a sponsor of Keep The Change to help people with their financial planning.

Stuck with your next move? Find Amy : amy@levridge.co.nz

Instagram: https://www.instagram.com/amy.levridge

Website: https://www.levridge.co.nz

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

The challenge is simple. Make $100 for yourself. Give $100 to a random. This is a challenge to look around and notice the people who could use a bit of kindness, especially during the festive season. I continue to believe that a little act of generosity can lift someone’s spirits in ways you and I can’t imagine. And this is certainly what the feedback reminded us last year! Recipients were stoked, surprised and some even cried! Who's up for the challenge?

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_nz

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

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

We sit down with James Fuller, Co-founder and CEO of Hnry, to unpack how recent Budget 2025 changes to KiwiSaver are threatening the retirement security of New Zealand’s sole traders.

If you’re a freelancer, tradie, or sole trader or keen on learning from someone who scaled from nothing to 60,000 customers, tune in.

James shares insights from Hnry’s joint report with the Retirement Commission, revealing that only 44% of the self-employed contribute to KiwiSaver compared to 78% of employees. With the government slashing the annual top-up in half, many are now planning to cut contributions or stop altogether. Hnry stepped in, funding KiwiSaver accounts of 500 of their customers to offset the $260.72 government reduction injecting over $130,000 back into their future.

We learn about the growing contractor economy as people step away from employment and how many people are getting side hustles started.

James discusses the implications of this policy shift, from the rise of short-term investment behaviors to calls for meaningful reform and equity for independent earners.

Find James & Hnry

Instagram: https://www.instagram.com/hnrynz/

Website: https://hnry.co.nz (https://hnry.co.nz/)

LinkedIn: https://www.linkedin.com/in/jwfuller/

I 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 generatekiwisaver.co.nz/change to find out more.

Amy from https://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

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

Why do high-achieving people still struggle with self-doubt, anxiety, and burnout, even when everything looks perfect on paper?

I sit down with New Zealand-based mindset coach Sarah Robb, founder of The Breakthrough Blueprint, to unpack the real reasons success doesn’t always silence self-sabotage. 

Sarah shares how personal loss led her to the world of NLP, hypnosis, psychology, and timeline therapy and how she now helps ambitious people rewrite the mental patterns that hold them back.

We talk brain science, high-performer pressure, and why grit alone isn’t enough. Plus: actionable mindset shifts, surprising truths about confidence, and a fresh take on how to actually feel good while doing big things.

Whether you're chasing the next level or stuck in self-doubt, this one’s for you.

Find Sarah:

Instagram: https://www.instagram.com/springwithsarah/

Website: https://springwithsarah.com/

LinkedIn: https://www.linkedin.com/in/sarahrobbcoaching/

I 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 generatekiwisaver.co.nz/change to find out more.

Amy from https://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

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

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