Keep The Change

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

  Recently, my KiwiSaver balance ticked over $150,000. Out of curiosity, I looked back through my monthly tracking sheet and saw that only 18 months ago, it was sitting at $100,000. In earlier Money Mails (#198), I shared my goal of hitting $100k so the “snowball” could really start rolling. Just like Charlie Munger talks about. Watching it leap from $100k to $150k in less than two years has been quite phenomenal. However, I am not getting too carried away. Hosted on Acast. See acast.com/privacy for more information.

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• Economy Shrinking. Sole Traders Expanding w Hnry CEO James Fuller

  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 & HnryInstagram: 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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nz Hosted on Acast. See acast.com/privacy for more information.

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• Economy Shrinking. Sole Traders Expanding w CEO Hnry

  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 & HnryInstagram: 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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nz Hosted on Acast. See acast.com/privacy for more information.

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• Turning Trauma Into Performance w Sarah Robb

  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 : [email protected]: https://www.instagram.com/amy.levridgeWebsite: https://www.levridge.co.nz Hosted on Acast. See acast.com/privacy for more information.

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

  This one’s from a listener who shows exactly what happens when you take action, even if it starts small. ‘’Now I’ve got no credit card, no car payments, and a better understanding of how money can actually work for me. Your podcast changed the way I think. Now I’m planning how to grow my income and get into a house ASAP. Thank you, bro. I wouldn’t be here without your podcast." Hosted on Acast. See acast.com/privacy for more information.

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