EP #74 - Business Owner, Podcaster & Educator - Luke Kemeys

A new subject for the podcast! Let's talk about business, money, and finance, and there isn't anyone better than the man Luke Kemeys. Luke is a business owner of Next Advisory, he's a podcaster at Keep The Change, a financial educator, and a bit of a lad. We had an awesome chat about Kiwis' mentality with finance, how people think about money, the new NZ budget, the benefit (welfare) in NZ, growing businesses, the NZ property market, and so much more. Check out Luke's website & socials Website: https://www.keepthechange.co.nz Linktree: https://linktr.ee/Keepthechange Instagram profile:   / keepthechange_nz   YouTube profile:    / @keepthechangenz   Facebook profile link:   / keepthechangenz   Sponsored by Infinity Sleep Get the sleep you deserve and use the promo code “onlyscott15%” and receive 15% off your first order. https://www.infinitysleep.co.nz/ My Social Media YouTube -    / @onlyscott   Instagram -   / theonlyscott01   Tik Tok -   / onlyscottspodcast   Facebook -   / only-scott-100091616387021   Chapter Markers 00:00:17 Why is it so hard for us to get a handle on our finances? 00:00:57 No one really has the money to pay for things outright 00:03:05 How do people in New Zealand view money? 00:05:40 Comparing the world millennials, Gen Z & Gen Alpha are presented with 00:07:20 Monetising the housing market and owning assets over income 00:10:40 People are looking for other ways to earn 00:12:20 Do we want everyone to be entrepreneurs? 00:15:20 The rise of privatisation in the Western world and less money in the government 00:18:00 Government contractors 00:19:50 What do NZ taxpayers owe the IRD in 2025? 00:21:30 How businesses abused government money 00:23:40 Taxing the wealthy 00:30:00 Paying back student loans and household tax 00:32:20 NZ welfare and beneficiaries 00:38:15 Giving friends, family, and followers money 00:39:50 Starting a Podcast about new Kiwi booming businesses 00:40:30 Rebuilding the pub in NZ parliament in a cost-of-living crisis 00:41:10 What unique businesses does Luke work with? 00:45:20 The Trade industry in NZ 00:46:30 Conservative business mindsets in NZ 00:48:20 Luke's mindset change to wanting to go out on his own 00:50:25 Needing to take control of your life 00:54:20 Being consistent with what you're doing 00:56:00 Out working other people 00:59:40 When is it time to stop and reflect on the thing? 01:04:30 Get-rich pyramid schemes and scams 01:09:50 Giving reviews to clients who ghost you 01:10:50 People used Luke's TikTok to scam people 01:13:50 Learn how to control your personal triggers and negativity 01:16:20 Getting the small wins to start your day 01:18:20 Investing back into Tesla 01:20:30 Young and upcoming entrepreneurs 01:22:45 Human nature 01:23:50 Go out and prove it to yourself 01:24:50 Final words