Keep The Change

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

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

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

  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/buyingWebsite: https://nextadvisory.nzLinkedIn: 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/3925924I 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]: 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 284 - Need More Money Before The End Of The Year?

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

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• Speaking To NZ University Students About Money

  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 moneyThe 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” mindsetThe biggest money myths young Kiwis still believeMy own journey from paper runs and student jobs to financial freedomHonest answers to students’ toughest questions about careers, failure, and finding your strengthsBook Luke for speaking here: https://www.lukekemeys.com/ Hosted on Acast. See acast.com/privacy for more information.

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

  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 haveIf 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-clementsEmail: [email protected] tickets to the 2nd annual in person 'keep the change unplugged' event: https://www.ticketmaster.co.nz/keep-the-change-tickets/artist/3925924I 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 : [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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