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Speaker 1: There are more ways to wealth with chairs eas save

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Speaker 1: with a great rate, ensure your car with no worries.

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Speaker 1: We'll join the key. We see this scheme with real choice.

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Speaker 1: It's your wealth, your way, do more with chairs eas.

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Speaker 2: I honestly getting into business for me, that that changed

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Speaker 2: my whole life, like it's just been unreal for me

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Speaker 2: and to help me see life completely differently. I think

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Speaker 2: I've kind of learned to think a lot bigger. And

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Speaker 2: as the bills and business and in life have gotten bigger,

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Speaker 2: how can I think bigger to solve some of those

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Speaker 2: You never know what the feeling is like to give

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Speaker 2: to someone with our expectation to a complete random if

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Speaker 2: you don't do it.

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Speaker 3: GOODA koto. I'm Garth Bray and we're doing things a

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Speaker 3: little differently on shared Lunch for the next few weeks.

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Speaker 3: More than money is about exploring the wealth choices that

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Speaker 3: change us. Let's open up the conversation about what wealth

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Speaker 3: really means beyond investing. We'll hear from some familiar folks

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Speaker 3: and chat about the choices they've made on their wealth journey. Today,

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Speaker 3: shares He's co founder and co CEO Layton is talking

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Speaker 3: to Luke Kemmy's from Keep the Change First though, what

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Speaker 3: is wealth to you? I don't know. From our social

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Speaker 3: media team hit the streets to find out.

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Speaker 4: Culder.

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Speaker 5: My name is Kardina and I work for Cheress and

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Speaker 5: I'm joined by Kurder.

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Speaker 6: I'm Kylie.

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Speaker 4: What is wealth to you?

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Speaker 5: New experiences? This is outside of money, of course, but

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Speaker 5: obviously money does contribute to those things. But being able

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Speaker 5: to experience things, especially like things I want to do,

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Speaker 5: you know, the norms like traveling, which is huge for me.

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Speaker 5: I love traveling, meeting new people and experiencing that, or

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Speaker 5: just anything like new, like trying some new things every

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Speaker 5: now and then.

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Speaker 7: Well, yeah, I mean I'd like to be rich because

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Speaker 7: now I have to think about money. But if you

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Speaker 7: can afford just what you want, like the cost of

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Speaker 7: living is insane. If I could just work full time

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Speaker 7: and also live normally, that would be great. I've been

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Speaker 7: I was actually laid off recently with from one of

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Speaker 7: a lot of the stuff happening for the news. Then

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Speaker 7: we lost our jobs there. So I've just been chilling.

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Speaker 7: Give anybody candy glass ye doing stuff, yeah, rock climbing,

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Speaker 7: just going outdoors, doing enjoying being unemployed to be nast.

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Speaker 4: Wealth means feeling secure and comfortable, being able to get

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Speaker 4: my mouth, get the clothes I want. But also yeah,

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Speaker 4: my long term goals as well, which are very important

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Speaker 4: and usually revolve around having money. So yeah, I'm waiting

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Speaker 4: for one to be a material girl.

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Speaker 1: Because I'm like same.

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Speaker 8: The experience is shared in this episode are not advice

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Speaker 8: or a recommendation or opinion by guests to invest or

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Speaker 8: act in the manner they have. An appearance on the

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Speaker 8: series is not an endorsement by Shares's of the views

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Speaker 8: of the presenters or guests. Their views are their own.

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Speaker 9: So we've got Luke awesome to catch up again, Luke,

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Speaker 9: So thanks so much for joining us today. I'd like

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Speaker 9: to give you some rapid, quick fire questions and just

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Speaker 9: say whatever first comes to mind. So the first one,

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Speaker 9: what's the best or a great financial decision that you made.

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Speaker 2: Honestly getting into business for me that changed my whole life,

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Speaker 2: like it's just been unreal for me and just help

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Speaker 2: me see life completely differently and see so much more

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Speaker 2: opportunity and abundance, So that would have to be it awesome.

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Speaker 6: What about the hard stuff?

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Speaker 9: Have you been through tough financial times and How did

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Speaker 9: you stay on target?

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Speaker 2: Yeah, for sure. I mean even you know, starting a

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Speaker 2: business and trying to build something from scratch to get going,

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Speaker 2: even you know, start and keep the change. And every

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Speaker 2: time I start something, you start from zero and I

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Speaker 2: don't know, I've gotten better as you build more stuff

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Speaker 2: in your life of you know, you just have to

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Speaker 2: hang in there and keep doing it and that you'll

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Speaker 2: get rewarded for it, whether it's building an audience, doing

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Speaker 2: podcast episodes, going in on a Saturday, going in on

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Speaker 2: a Sunday, showing up when you're a little bit sick,

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Speaker 2: all of that stuff. Man, it is a grind sometimes.

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Speaker 2: And yeah, sometimes I'm like, you know what, I don't

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Speaker 2: really want to do this right now. But teaching myself

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Speaker 2: that now you have to do it because you know

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Speaker 2: you'll get rewarded for it in a year has been

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Speaker 2: such a good way for me to make sense of

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Speaker 2: hanging in there and doing things even when it's tough.

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Speaker 6: Nice everything above zero compounds.

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Speaker 2: Ah, Yes, I love that. That's good.

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Speaker 6: How is your perspective on money or wealth change?

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Speaker 2: Yeah, massively. I think I've kind of learned to think

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Speaker 2: a lot bigger and as the bills and business and

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Speaker 2: in life have gotten bigger. How can I think bigger

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Speaker 2: to solve some of those How can I help more

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Speaker 2: people so that intern the world rewards me? And how

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Speaker 2: can I provide enough value in the world in the marketplace?

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Speaker 2: And I just as well, Like what I used to

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Speaker 2: do is I would go around and I'd see a

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Speaker 2: helicopter and I'd think, wow, you know, someone can afford

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Speaker 2: the pilot, someone can afford the fuel, Like, how the

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Speaker 2: hell are they doing that? To teach myself abundance rather

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Speaker 2: than scarcity, and I think we're marketed to heavily, you know,

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Speaker 2: especially in a contracting economy, around how hard it is

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Speaker 2: and how we've got a lack of And then even

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Speaker 2: just driving here, I looked at Commercial Bay and I thought,

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Speaker 2: whoa Like someone built that, someone funded that, Like someone's

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Speaker 2: outside having their lunch. Someone went in there and brought

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Speaker 2: their lunch. And I just look at it and think,

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Speaker 2: there's so much money changing hands. And when I started

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Speaker 2: to turn my mindset to there's a lot of money

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Speaker 2: out there rather than no, there's not you know, there's only.

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Speaker 6: A little bit.

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Speaker 2: It's pretty hard and all this stuff. Once I unwired

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Speaker 2: that to figure out, like what's going on here, I thought, well,

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Speaker 2: why can't I sort of participate in the game. So

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Speaker 2: just thinking more abundantly has been so healthy for me.

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Speaker 6: Awesome, It's a great word abundancy, easier step to improving

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Speaker 6: your financial situation.

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Speaker 2: Gee, that is I reckon, Like, I'm a massive fan

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Speaker 2: of a cash flow forecast and the business sense, but

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Speaker 2: when I moved it into personal finance, it's basically, what

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Speaker 2: cash do you have in the bank? What have you

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Speaker 2: got coming up in terms of what's coming in and

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Speaker 2: what's going out, so you can see that and you

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Speaker 2: can visualize that. Some people call that a budget. I don't.

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Speaker 2: I think you're forecasting and you're tracking what you've got

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Speaker 2: coming in and going out, and then every month tracking

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Speaker 2: your networth, so your asset values and then your debt values.

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Speaker 2: And this is what businesses do. This is what they

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Speaker 2: report on. And I just modeled it and thought, well,

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Speaker 2: if it's good enough for businesses around the world, why

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Speaker 2: don't we do it individually as a framework. And I

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Speaker 2: think if you do that for eighteen months, it will

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Speaker 2: completely change the way that you look at your life

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Speaker 2: and you start wrapping some goal around that. So it

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Speaker 2: was actually one of the first tools that I built

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Speaker 2: as part of Keep the Change to give people for free.

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Speaker 6: You know, thousands of people have.

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Speaker 2: Downloaded it every month. Then I say I'm doing it,

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Speaker 2: and people are like, can I get the templates, And

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Speaker 2: I'm like, you can have the templates, but you have

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Speaker 2: to do the doing, and you have to do it

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Speaker 2: month and month out. So I reckon that that's a

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Speaker 2: game changer because it's a great place to start to

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Speaker 2: get really clear on what assets you've got, what debts

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Speaker 2: you've got, and then what cash you've got coming in

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Speaker 2: and what's going out, and then how you play the

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Speaker 2: game from there or what you need to change up.

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Speaker 6: Well, I love that.

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Speaker 9: One funny story when Brooke and I were around the

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Speaker 9: time we started cheeseys or we'd quit our jobs so

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Speaker 9: we sort of basically lost our income. We'd also opened

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Speaker 9: a brewery and micro brewery. Not that long that we

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Speaker 9: had a few pressures going on, and not that long

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Speaker 9: after that found out we're gonna have a baby.

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Speaker 6: But anyway, we started getting really minute.

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Speaker 9: On cash flow, to the point we did this thing

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Speaker 9: like we're just a payday every day spreadsheet, so I'll

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Speaker 9: have to check yours out, but we literally like every

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Speaker 9: day we would powersells some money to make sure weren't

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Speaker 9: a head. And it also like it would compound into

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Speaker 9: the weekend so that we didn't have to give up

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Speaker 9: on weekend fund and all this sort of stuff as well.

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Speaker 9: It was just like this, very like quite a specific

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Speaker 9: point in time I remember really well. So I love

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Speaker 9: the cash flow forecasting. And last one for you, if

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Speaker 9: you had a challenge for for our listeners, what would

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Speaker 9: that be?

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Speaker 2: Yeah? Nice. I was actually going to run this as

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Speaker 2: a workshop for Keep the Change, but I was about

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Speaker 2: to say I don't have the time, but I just

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Speaker 2: didn't prioritize it in the end, so that's my bad.

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Speaker 2: But what it would be is to make two hundred

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Speaker 2: dollars before the end of the year, and you get

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Speaker 2: a hundred of it, but the other hundred of it

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Speaker 2: you have to go and give to an absolute stranger,

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Speaker 2: so you have to pay someone's groceries. You just walk

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Speaker 2: up to someone. And I tru try and do this

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Speaker 2: every Christmas. And I was coming back from a viaduct

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Speaker 2: lunch a couple of years ago, and I just walked

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Speaker 2: onto the bus and gave this lady cash that was

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Speaker 2: driving it, and she was so like what the hell

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Speaker 2: is going on here? But she was so thankful and

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Speaker 2: so stoked, and it always sort of stuck with me.

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Speaker 2: And I think why I think this is important is

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Speaker 2: it challenges us to a you know, think about where

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Speaker 2: we might have a couple of hundred bucks that could

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Speaker 2: be sitting around the house or in the garage. It

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Speaker 2: might be you know, doing a little bit extra. It

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Speaker 2: might be just you know, doing something for your neighbor

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Speaker 2: and getting paid for it, but challenging yourself to actually

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Speaker 2: do it. But then you've got to go fifty to

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Speaker 2: fifty for goodwill, so you've got to keep a hundie.

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Speaker 2: But the first hunter you have to give to somebody,

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Speaker 2: And that's teaching you that you can give money away

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Speaker 2: and that's okay, it will come back, and it's forcing

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Speaker 2: you and challenging you to think of it differently. And

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Speaker 2: also you never know what the feeling is like to

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Speaker 2: give to someone without expectation, to a complete random in

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Speaker 2: the street if you don't do it, and if you

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Speaker 2: do do it, then you get the feeling of it.

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Speaker 2: And it could be that you realize that you're a

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Speaker 2: massive giver and that really gets you going, and so

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Speaker 2: then you become a massive philanthropist in your life or whatever.

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Speaker 2: But if you believe that, you know, every dollar you

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Speaker 2: get you've got to hold onto and that's it, and

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Speaker 2: all this stuff and they'll never you know, you never

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Speaker 2: have another dollar and stuff, then you're probably going to

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Speaker 2: live like that and you're going to live scared. So

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Speaker 2: my challenge is basically to try and encourage people to

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Speaker 2: think with a bit more giving abundance to make someone's day,

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Speaker 2: and that you can make more money in this money

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Speaker 2: all around us.

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Speaker 6: Mate, what a way to round that out.

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Speaker 9: You're already democratizing wealth and education and now you're bringing

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Speaker 9: in democratization of philanthropy as well.

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Speaker 6: So very cool.

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Speaker 8: More than Money is a series about the wealth choices

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Speaker 8: that change us as Cheeseys grows. We want to be

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Speaker 8: able to provide a space for shared experience that can

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