Keep The Change

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_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Half the stuff you buy, you can't actually afford. But debt dealers have found a way to break down payments so your future self can pay for today's bad decisions. Luke and Mikey explore what would happen if all consumer debt was banned tomorrow: new car sales would drop 80%, white wear would last 15-20 years instead of 7-10, and people would focus on skills and experiences instead of stuff they can't afford. Debt is a form of slavery. You're pledging your future self to pay for things you want now. Meanwhile, buy now pay later increases average order value by 40% because people add extra items when they're not paying real money. The cage is disguised as convenience. You think you're using their money, but they're using your behaviour to make you spend more. Stop being the bank for your future self. The journey matters more than the transaction. 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 : [email protected] 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.

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 now If 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_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

Ryan breaks down his journey from employee to business owner: 12 years working for others, multiple failed attempts at partnerships, and finally finding a seller in Ashburton. We cover the 8-year vendor finance deal that made it possible, why his house losing $45K in value didn't stop him, and how he's now building the practice he always dreamed of. The reality? Most optometrists stay employees forever. Ryan refused to accept that path, even when deals fell through and relationships ended. He kept pushing until he found the right opportunity. From Specsavers pathway programs to independent practice owner, sometimes the long way around is the only way that works. We cover cash flow challenges, paying loans with after-tax income, building community connections, and why small town optometry beats city employment. Plus his next vision: owning a deer farm while running his practice. Twenty years from childhood dream to business reality. Persistence pays off. Find Ryan: Linkedin: https://www.linkedin.com/in/ryan-o-connor-827a9562/ Instagram: https://www.instagram.com/ryanoconnornz/ Website: https://www.asheye.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 : [email protected] 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 https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

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 Jared Linkedin: 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 : [email protected] 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.

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_nz https://www.keepthechange.co.nz/ Hosted on Acast. See acast.com/privacy for more information.

"Survive to 25" was bullshit. We're halfway through 2025 and it still feels brutal. But the data is starting to tell a different story. Luke and Mikey break down what's really happening and why 2025 might be looked back on as the economic bottom. We cover the fatigue everyone's feeling, why people are leaving at record levels, and the regional differences across the country. The reality? Some are crushing it while others are struggling. The difference isn't luck, it's taking control of your income instead of waiting for someone else to save you. Find Mikey: Instagram https://www.instagram.com/officialmikeysmith/ Linkedin https://www.linkedin.com/in/mikey-smith-25999548/ Website https://guardiansmith.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 : [email protected] 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 https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

We hit pause on the day-to-day noise and take a step back to ask ourselves the big questions. Where do we want to be in 12 months? What about in 5 years? What needs to happen this quarter to get us moving? We talk openly about what’s working, what isn’t, what work we want to do, and where we want to push ourselves. Summer and the end of a year is great time to do this. Take it seriously too! You don’t need to have it all figured out. You just need to get started. Take some time to dream. Make a plan. Share it. Act on it. Review the plan quarterly. Take more action on it. 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.

Someone once told me to focus on my strengths. I said how. They showed me the Gallup’s StrengthsFinder to figure out what I’m actually good at, and what to stop wasting time on. Then the maximiser in me wanted to go deeper on this so I linked up with an incredible human. In this episode, I’ve convinced my secret strengths coach, Suze Oh, to join me for a deep dive into how understanding your natural talents can change the way you work, lead, and live. It certainly did for me. We unpack my Top 10 strengths (yep, the real list), talk about how they show up in business and life, and how you can use your own strengths to make more progress with less burnout. If you’ve ever wondered why you’re wired the way you are, this one’s for you. Find Suze Oh Website: https://www.thinkplando.co.nz Email: [email protected] Chat: https://calendly.com/suzeoh/ 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 : [email protected] 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 https://www.generatewealth.co.nz/change/ to find out more. Hosted on Acast. See acast.com/privacy for more information.

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 : [email protected] 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: [email protected] 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 : [email protected] 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: [email protected] 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 : [email protected] 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 : [email protected] 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 : [email protected] 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 : [email protected] 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 : [email protected] 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.