Renting vs buying NZ, net worth tracking, and the mindset shift from scarcity to abundance — chartered accountant-turned-entrepreneur Luke Kemeys goes deep on how Kiwis can build real financial well-being without being chained to a mortgage. We cover when renting beats buying, monthly net-worth tracking (assets minus liabilities), using debt (carefully), and the exact habits that unlock growth for founders.What Luke reveals
◽️ When renting beats buying in NZ (and for whom)
◽️ The 1 habit that builds financial progress: monthly net-worth tracking
◽️ How to treat your household like a business (cash in, cash out, decisions)
◽️ The $500 plan that actually changes your life (not “buy this coin”)
◽️ Using debt in business: when it accelerates vs. when it’s dangerous
Episode Partners
👉🏻 NZBusiness Magazinewww.nzbusiness.co.nz
👉🏻 Podcast Guestwww.podcastguest.co.nz
FOLLOW LUKE
Search: “Luke Kemeys”, “Next Advisory NZ”, “Keep the Change podcast”
FOLLOW ME
https://www.instagram.com/minaamso/
WATCH EPISODE ON YOUTUBE (for Spotify/Apple listeners)
https://www.youtube.com/@NotesFromTheExecutivePodcast
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Luke Kemeys is a chartered accountant, business adviser, and co-founder of Next Advisory. He also hosts Keep the Change, a money podcast/newsletter followed by thousands of Kiwis each week. Luke works with founders on pricing, cashflow, and growth strategy, and is known for practical frameworks that get owners out of scarcity and into action.