Most people are letting momentum and compounding work against them. They're compounding the wrong things... Debt, bad habits & negative thinking, instead of building momentum toward their goals.

Luke and Mikey break down why momentum is like compounding but for your daily life: once you get it rolling, things become easier, but you have to get your foot on the gas first. We cover the stages of momentum, why it's a cruel mistress that can turn on a dime, and how to harness it when it arrives.

In a country of so much negativity and doom and gloom, it's crucial to be around high energy and momentum. You can spot it in people who are building and creating.

Momentum is your most valuable asset. Are you building it or letting it work against you?

Find Mikey:

https://guardiansmith.co.nz/

https://instagram.com/officialmikeysmith

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.

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

The other day I posted a photo online. It was just a payment terminal with a small sign: “CREDIT/PAYWAVE 1.5% surcharge”. It blew up. HUNDREDS of thousands of people saw it. Hundreds of comments. Over one thousand people voted in a poll asking if they do the same. In the comments, people were debating, agreeing, asking questions. All over one simple statement: “I still insert debit card to avoid 1.5% surcharge.”

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.

Renata built Roam with Kids from zero to 4,000 paying subscribers while raising three kids. Her secret? Posting every single day for two and a half years, even when no one was watching.

Renata breaks down the reality of building a startup in New Zealand, whilst juggling work & kids. We cover the loneliness of building something while everyone else has normal jobs, and how consistency beats perfection every time.

We cover the pivot from travel vlogger dreams to local business reality, why she charges less than half a cup of coffee per month, and how she's building something that actually helps families while creating wealth. Plus the harsh truth: if you want to build something meaningful, you have to be willing to do boring work consistently when no one's watching.

Speed creates momentum. Consistency creates success.

Find Roam With Kids:

https://www.instagram.com/roamwithkids/

Find Renata:

https://www.instagram.com/renataroaming/

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.

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

Immigrants often arrive with nothing to fall back on so “safe” feels different.

Why are so many newcomers in NZ are willing to start businesses, take bigger risks, and end up hiring Kiwis? While locals often see business as too risky.

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

This time of the year can be where the new year's energy has died down, and we waver from goals, or we realise we didn’t do what we said we were going to and now there is no point. For some inspo, I asked some KTC listeners what it was like to ‘think they can’t’ but ‘do it anyway’ and what they noticed. Perhaps NOW is the time. What do you need to start doing?

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 Kiwis are overthinking wealth building. They're waiting for the perfect election result, the right market timing, or the ideal economic conditions. Meanwhile, they're missing the simple fundamentals that actually work.

James Blair from Lighthouse Financial breaks down why money is actually straightforward: earn as much as you can, don't spend it all, pay down debt, buy shares, buy property. That's it. We cover why waiting for political changes is pointless, why timing the market fails, and why victim mindset keeps people poor.

Stop waiting for perfect conditions. Start taking imperfect action. The fundamentals work if you work them.

Find James:

https://www.instagram.com/lighthousefinancialnz/

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.

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

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

Well here we are again. More volatility + vulnerability and a sense of not knowing how long this could go on. I am not going to explore that too deeply, but I do want you to reflect on 2025. Because if you want to invest, you have to accept risk and therefore understand that risk is not a bug in investing, it’s part of the process. Markets are constantly reacting to something.

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.