LanguaTalk

Keep The Change

Keep The Change - improving Kiwis financial literacy. Ever wanted to learn more about money, the economy, finances and how to have a better financial life? Now you can. This is one of New Zealand's leading financial learning podcasts. I (Luke) wanted to share insights from my life, my role as a Chartered Accountant with successful and failing clients as well as a look at all of the dumb sh!t I have done along the way too. There is also a read of the weekly 'Money Mail' lesson. Please take action :) You can subscribe to the weekly Money Mail...

Lessons From Taking A NZ Startup From 0 To 4,000 Paid Users: Renata Wiles

60 hours 24 mins; March 25, 2026

Kiwis Think Business Is Too Risky & Immigrants Don’t. Why?

9 mins; March 24, 2026

MM 306 - The ‘I Can’t Afford To ‘Save/Invest/Do’ Trap

27 mins; March 23, 2026

The Simple Way To Build Wealth with James Blair of Lighthouse Financial

55 mins; March 18, 2026

5 Non Financial Habits That I Used To Go From Debt To Millionaire

10 mins; March 17, 2026

MM 305 - Always Reason To Feel Nervous About Investing

38 mins; March 12, 2026

New Zealanders Are Wasting Their Time & Money

65 hours 18 mins; March 11, 2026

Is $35 An Hour In NZ Good Money? How Much Can You Save? Or Hello Aussie?

14 mins; March 10, 2026

MM 304 - ‘How I Made $20k In One Night'

31 mins; March 09, 2026

The CEO Of New Zealand's Largest Gym Franchise (60,000+ customers) Cameron Ward

57 mins; March 04, 2026

6 Expensive Headwinds Of New Zealand 🇳🇿 (Young People MUST Know!)

11 mins; March 03, 2026

MM 303 - "Writing Off A Business Expense’"

39 mins; March 02, 2026

'There Is So Much Opportunity In NZ' with Conner Harding

75 hours 6 mins; February 25, 2026

MM 302 - Am I Being Penalised For Working Harder?

46 mins; February 23, 2026

NZ Pension Spending, Sticky Inflation & Rate Hikes: What Will 2026 Look Like For NZ? w Brad Olsen

60 hours 3 mins; February 18, 2026

MM 301 - The Whole Financial System Could Collapse This Year

41 mins; February 16, 2026

Buying Your First Home in NZ in 2026? Watch This First

43 mins; February 11, 2026

Money Mail 300

38 mins; February 07, 2026

What Every Kiwi Needs To Know About Financial Planning: Amy Po Ching

56 mins; February 04, 2026

MM 299 - HOW They Cleared $100k Of Destructive Debt (Pt 2.)

35 mins; February 02, 2026

How To Obliterate 2026 with Mikey Smith

141 hours 21 mins; January 28, 2026

MM 298 - Clearing $100k Of Destructive Debt (Pt 1.)

29 mins; January 26, 2026

What To Expect In 2026: Stocks, Inflation & Kiwisaver w Greg Smith of Generate

59 mins; January 24, 2026

How Much YouTube Paid Me For 1.6M Views In New Zealand

5 mins; January 23, 2026

Capital Gains Tax Will NOT Lower House Prices (here's why)

39 mins; January 21, 2026

MM 297 - 2026 On Easy Mode! Get Good, Get Known

46 mins; January 19, 2026

NZ Property Predictions For 2026 | You MUST See Last Years Too!

9 mins; January 17, 2026

How I Make 'Passive' Income In New Zealand

10 mins; January 16, 2026

What Every Kiwi Needs To Know About Wills, Prenups & Protecting Wealth: Holly Egerton

55 mins; January 14, 2026

How To Invest Your First $1,000 in New Zealand

10 mins; January 13, 2026

MM 296 - How To Create A Budget In New Zealand

41 mins; January 12, 2026

What You're Not Changing, You're Choosing: Sarah Robb's KTC Unplugged Talk

20 mins; January 09, 2026

From $20 Car Washes to $42K Months: Max Tebb's KTC Unplugged Talk

14 mins; January 08, 2026

The True Cost of Death in New Zealand: President Of NZ's Funeral Association Bradley Shaw

59 mins; January 07, 2026

The Goal Setting Formula That Actually Works: David Niethe KTC Unplugged Talk

38 mins; January 06, 2026

MM295 - Do This Simple Financial Exercise To Smash 2027

46 mins; January 06, 2026

Mikey's KTC Unplugged Talk: Getting Engaged, Building A Business & Lessons From 2025

33 mins; January 05, 2026

Your ‘Messy Mind’ Could Ruin 2026

70 hours 53 mins; December 28, 2025

MM 294 - How Would You Sum Up YOUR 25?

29 mins; December 23, 2025

The 21 Year Old Kiwi Making Millions With Ecommerce

64 hours 55 mins; December 21, 2025

MM 293 - Will You Unsubscribe?

37 mins; December 18, 2025

What If New Zealand Bans Consumer Debt In 2026?

53 mins; December 17, 2025

They Don't Teach This At Uni... So Im Doing It

20 mins; December 15, 2025

Reflecting On KTC Unplugged 25

45 mins; December 14, 2025

MM 292 - Do You Risk Enough To Expect Reward?

46 mins; December 11, 2025

Building Wealth Through Buying a Business in New Zealand: Ryan O'Connor

57 mins; December 10, 2025

NZ's Shared Home Ownership Scheme: The Solution For First Home Buyers?

41 mins; December 06, 2025

MM 291 - Why Your Boss Drives a Ranger & You Don’t

47 mins; December 04, 2025

Has NZ's Economy Hit Rock Bottom? What's Next In 2026?

62 hours 46 mins; November 27, 2025

MM 290 - Why I Went To Queenstown To Plan The Next 12 Months

31 mins; November 27, 2025

The Strengths Coach Who Helped Change My Life: Suzanne Oh

61 hours 38 mins; November 26, 2025

MM 289 - Overtaxing Kiwi Leads Them To Want To Work Less

36 mins; November 20, 2025

New Zealand's Population Crisis: What's Really Happening w Professor Paul Spoonley

70 hours 20 mins; November 15, 2025

MM 288 - Only 21% Of People Are Engaged In Their Work (Why?)

39 mins; November 13, 2025

What Every NZ Family Needs to Know About Retirement Homes, Wills & Ageing Parents: Emily Silby

59 mins; November 12, 2025

MM 287 - The End Of Tax-Free Property Gains?

37 mins; November 06, 2025

The State Of Men’s Health in NZ w Movember’s Robert Dunne

53 mins; November 05, 2025

MM 286 - What The Wealthy 20% Of Households Own In NZ

45 mins; October 30, 2025

3 Kids, 30 Ideas. Doing It Sustainably w Rita (Sustaina Grow NZ)

64 hours 36 mins; October 29, 2025

Will My Parents Be Able to Afford to Retire? w Amy Po-Ching

33 mins; October 27, 2025

Waiting For NZ's Economy to Get Better Won't Work... with Mikey Smith

129 hours 14 mins; October 24, 2025

MM 285 - Don’t Forget Who Helped You Get Here

36 mins; October 23, 2025

Build Wealth Buying Into the Business You Work For: Phil Smith Next Advisory

52 mins; October 22, 2025

MM 284 - Need More Money Before The End Of The Year?

39 mins; October 20, 2025

Speaking To NZ University Students About Money

41 mins; October 17, 2025

Prepare For NZ's Trillion Dollar Wealth Transfer (Wills, Trusts & Estate Planning) w Andrew Clements

63 hours 51 mins; October 15, 2025

MM 283 - $100 For You & $100 For 'Them'

29 mins; October 13, 2025

MM 282 - My KiwiSaver Goes From $100k To $150k In 18 Months

38 mins; October 06, 2025

Economy Shrinking. Sole Traders Expanding w Hnry CEO James Fuller

79 hours 57 mins; October 04, 2025

Turning Trauma Into Performance w Sarah Robb

69 hours 8 mins; October 01, 2025

MM 281 - How A Chat With The 'Pay Guy' Changed Everything

36 mins; September 29, 2025

NZ’s GDP Shock, Tech Bubble Talk & the Future of KiwiSaver - Greg Smith (Generate)

60 hours 58 mins; September 27, 2025

If You’re Not Your Job, Then Who Are You? w Mikey Smith

51 mins; September 24, 2025

MM 280 - The Remortgage 'Scam'?

44 mins; September 21, 2025

The Forces Behind NZ House Prices The Economists Miss

53 mins; September 17, 2025

MM 279 - If You Can Buy Now, Pay Later, Can You Save Now?

36 mins; September 15, 2025

Why Is There So Much Financial Uncertainty In New Zealand? Financial Planner Explains

42 mins; September 13, 2025

From Broke Accountant to NZ Millionaire: My Journey | Fresh Moni Podcast

58 mins; September 11, 2025

Speed Wins, Not Kills. Why Are Kiwi So Slow? w Mikey

44 mins; September 10, 2025

MM 278 - ‘My Kids Will Have Millions…I Think’

35 mins; September 08, 2025

The Retirement Reality Check Every Kiwi Needs to Hear

95 hours 21 mins; September 04, 2025

Living Off Equity | Building Tech & Wealth in NZ w Mahesh Muralidhar

66 hours 41 mins; September 03, 2025

MM 277 - 44% Of Kiwi Do Not Have An Emergency Fund

36 mins; September 01, 2025

Proximity. Get Around THESE People w Mikey Smith (http://GuardianSmith.co.nz)

46 mins; August 27, 2025

MM 276 - No one’s immune to money problems (even wealthy Wendy)

39 mins; August 25, 2025

The Ultimate NZ Emergency Fund Guide

65 hours 22 mins; August 20, 2025

MM 275 - 'Not Everyone can be a Business Owner’ – No Sh*t

40 mins; August 18, 2025

Coach of Champions: Eugene Bareman on ‘Voluntary Adversity’

103 hours 10 mins; August 17, 2025

Hosting At Your House. Quitting Corporate To Be Creative w Rose Dining Table

47 mins; August 13, 2025

He Makes Money Teaching People How To Make Money Cleaning Cars w Aaron Wilton-Jones

76 hours 31 mins; August 12, 2025

MM 274 - They ‘Say’ They Want Better. But Do They?

41 mins; August 07, 2025

Unemployment Hits 5.2% 400,000 Kiwi Want More Work

45 mins; August 06, 2025

How Dosh is Taking On the Big Banks in NZ & Why 40,000+ Kiwis Are Switching

48 mins; August 06, 2025

MM 273 - What The Hell Is Debt Recycling?

31 mins; July 31, 2025

Getting The Girls Off: Selling Sex Toys To The World (& Pensioners...) w Viv From Girls Get Off

53 mins; July 30, 2025

MM 272 - Has The Property Bubble FINALLY Popped?

38 mins; July 24, 2025

Buyers Bought Wrong & Now Pay The Price | Predictions | Negotiation w Tama Singh

63 hours 17 mins; July 23, 2025

MM 271 - Who’s Responsible For Your Retirement?

37 mins; July 20, 2025

Beneficiary Raises Millionaire: My Mum & Money

90 hours 33 mins; July 16, 2025

*EXPLICIT* Stop F@*king Conforming. Win The Mind: Win Your Life (Mental Performance Coaching) w David Niethe

70 hours 44 mins; July 11, 2025

Click here to see more

Keep The Change

Useful pages

Find a tutor

Languages