In this thought-provoking conversation, Lisa Tamati sits down with Luke Kemeys, chartered accountant, financial educator, and host of the Keep the Change podcast, to unpack the pressing financial realities facing New Zealanders today. From inflation and the housing crisis to the broken monetary system and the concentration of wealth, they explore why Kiwis can no longer rely on government fixes or property alone to secure their financial futures. Lisa and Luke share their personal journeys toward financial literacy, their experiences with cryptocurrency, the importance of asset tracking, and why personal responsibility is the cornerstone of both health and wealth. They also discuss AI disruption, investment strategies that outpace inflation, and the dangers of consumer debt culture. If you want to understand where the NZ economy is headed, how to protect yourself from currency debasement, and why wealth building starts with mindset, this conversation is packed with real-world insights you can apply today. What You’ll Learn in This Episode: Why inflation and the broken monetary system are squeezing NZ’s middle class How to track your assets and liabilities to build lasting wealth The role of AI in disrupting industries — and how to adapt Strategies for investing to outpace inflation, even on a fixed income The parallels between health sovereignty and financial sovereignty Cryptocurrency risks, Bitcoin philosophy, and lessons learned Why minimalism and self-reliance are key to financial freedom How marketing manipulation fuels debt and consumerism Practical steps for creating emergency funds and diversifying assets About Luke: Luke Kemeys is a sought-after speaker in the business and financial world, known for his straight-talking, no-nonsense approach. A Fellow Chartered Accountant and award-winning business advisor at nextAdvisory, Luke speaks regularly to business owners about leveling up their finances and to teams about taking control of their financial future. Drawing from real-world insights, both from clients who succeed and those who fall short, he challenges conventional thinking and forces audiences to confront the financial realities they might be avoiding. As host of Keep The Change, one of New Zealand’s top-rated financial literacy podcasts, Luke is on a mission to educate 100,000 everyday Kiwis about money in a way that’s relevant, relatable, and refreshingly honest. Be prepared to have your financial beliefs tested. Be ready to walk away with real, actionable insights. And don’t hold back in the Q&A, Luke never does. 🎯 Personalised Health Optimisation Consulting with Lisa Tamati Lisa offers solution focused coaching sessions to help you find the right answers to your challenges. 📌 Topics Lisa can help with: Lisa is a Genetics Practitioner, Health Optimisation Coach, High Performance and Mindset Coach. She is a qualified Ph360 Epigenetics coach and a clinician with The DNA Company and has done years of research into brain rehabilitation, neurodegenerative diseases and biohacking. She has extensive knowledge on such therapies as hyperbaric oxygen, intravenous vitamin C, sports performance, functional genomics, Thyroid, Hormones, Cancer and much more. 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The coated PerfectAmino tablets are a slightly different shape and have a natural, non-GMO, certified organic vegan coating on them so they will glide down your throat easily. Fully absorbed within 20-30 minutes! No other form of protein comes close to PerfectAminos Listen to the episode with Dr Minkoff here: Use code "tamati" at checkout to get a 10% discount on any of their devices. 🔴 Red Light Therapy: Lisa is a huge fan of Red Light Therapy and runs a Hyperbaric and Red Light Therapy clinic. If you are wanting to get the best products try Flexbeam: A wearable Red Light Device https://recharge.health/product/flexbeam-aff/?ref=A9svb6YLz79r38 Or Try Vielights’ advanced Photobiomodulation Devices Vielight brain photobiomodulation devices combine electrical engineering and neuroscience. 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