WEBVTT - 'Think with abundance' - Luke Kemeys from Keep the Change | More Than Money

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<v Speaker 1>There are more ways to wealth with chairs eas save

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<v Speaker 1>with a great rate, ensure your car with no worries.

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<v Speaker 1>We'll join the key. We see this scheme with real choice.

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<v Speaker 1>It's your wealth, your way, do more with chairs eas.

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<v Speaker 2>I honestly getting into business for me, that that changed

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<v Speaker 2>my whole life, like it's just been unreal for me

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<v Speaker 2>and to help me see life completely differently. I think

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<v Speaker 2>I've kind of learned to think a lot bigger. And

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<v Speaker 2>as the bills and business and in life have gotten bigger,

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<v Speaker 2>how can I think bigger to solve some of those

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<v Speaker 2>You never know what the feeling is like to give

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<v Speaker 2>to someone with our expectation to a complete random if

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<v Speaker 2>you don't do it.

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

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<v Speaker 3>little differently on shared Lunch for the next few weeks.

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<v Speaker 3>More than money is about exploring the wealth choices that

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<v Speaker 3>change us. Let's open up the conversation about what wealth

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<v Speaker 3>really means beyond investing. We'll hear from some familiar folks

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

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<v Speaker 3>shares He's co founder and co CEO Layton is talking

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<v Speaker 3>to Luke Kemmy's from Keep the Change First though, what

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

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<v Speaker 3>media team hit the streets to find out.

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<v Speaker 4>Culder.

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<v Speaker 5>My name is Kardina and I work for Cheress and

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<v Speaker 5>I'm joined by Kurder.

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<v Speaker 6>I'm Kylie.

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<v Speaker 4>What is wealth to you?

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<v Speaker 5>New experiences? This is outside of money, of course, but

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<v Speaker 5>obviously money does contribute to those things. But being able

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<v Speaker 5>to experience things, especially like things I want to do,

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<v Speaker 5>you know, the norms like traveling, which is huge for me.

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<v Speaker 5>I love traveling, meeting new people and experiencing that, or

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<v Speaker 5>just anything like new, like trying some new things every

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<v Speaker 5>now and then.

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<v Speaker 7>Well, yeah, I mean I'd like to be rich because

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<v Speaker 7>now I have to think about money. But if you

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<v Speaker 7>can afford just what you want, like the cost of

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<v Speaker 7>living is insane. If I could just work full time

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

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<v Speaker 7>I was actually laid off recently with from one of

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<v Speaker 7>a lot of the stuff happening for the news. Then

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<v Speaker 7>we lost our jobs there. So I've just been chilling.

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<v Speaker 7>Give anybody candy glass ye doing stuff, yeah, rock climbing,

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<v Speaker 7>just going outdoors, doing enjoying being unemployed to be nast.

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<v Speaker 4>Wealth means feeling secure and comfortable, being able to get

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<v Speaker 4>my mouth, get the clothes I want. But also yeah,

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<v Speaker 4>my long term goals as well, which are very important

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

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<v Speaker 4>for one to be a material girl.

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<v Speaker 1>Because I'm like same.

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<v Speaker 8>The experience is shared in this episode are not advice

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<v Speaker 8>or a recommendation or opinion by guests to invest or

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<v Speaker 8>act in the manner they have. An appearance on the

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<v Speaker 8>series is not an endorsement by Shares's of the views

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<v Speaker 8>of the presenters or guests. Their views are their own.

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<v Speaker 9>So we've got Luke awesome to catch up again, Luke,

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<v Speaker 9>So thanks so much for joining us today. I'd like

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<v Speaker 9>to give you some rapid, quick fire questions and just

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<v Speaker 9>say whatever first comes to mind. So the first one,

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

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<v Speaker 2>Honestly getting into business for me that changed my whole life,

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<v Speaker 2>like it's just been unreal for me and just help

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<v Speaker 2>me see life completely differently and see so much more

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<v Speaker 2>opportunity and abundance, So that would have to be it awesome.

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<v Speaker 6>What about the hard stuff?

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<v Speaker 9>Have you been through tough financial times and How did

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<v Speaker 9>you stay on target?

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<v Speaker 2>Yeah, for sure. I mean even you know, starting a

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<v Speaker 2>business and trying to build something from scratch to get going,

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<v Speaker 2>even you know, start and keep the change. And every

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<v Speaker 2>time I start something, you start from zero and I

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

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<v Speaker 2>in your life of you know, you just have to

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<v Speaker 2>hang in there and keep doing it and that you'll

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<v Speaker 2>get rewarded for it, whether it's building an audience, doing

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<v Speaker 2>podcast episodes, going in on a Saturday, going in on

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<v Speaker 2>a Sunday, showing up when you're a little bit sick,

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<v Speaker 2>all of that stuff. Man, it is a grind sometimes.

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<v Speaker 2>And yeah, sometimes I'm like, you know what, I don't

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<v Speaker 2>really want to do this right now. But teaching myself

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<v Speaker 2>that now you have to do it because you know

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<v Speaker 2>you'll get rewarded for it in a year has been

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<v Speaker 2>such a good way for me to make sense of

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<v Speaker 2>hanging in there and doing things even when it's tough.

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<v Speaker 6>Nice everything above zero compounds.

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<v Speaker 2>Ah, Yes, I love that. That's good.

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<v Speaker 6>How is your perspective on money or wealth change?

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<v Speaker 2>Yeah, massively. I think I've kind of learned to think

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<v Speaker 2>a lot bigger and as the bills and business and

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<v Speaker 2>in life have gotten bigger. How can I think bigger

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<v Speaker 2>to solve some of those How can I help more

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<v Speaker 2>people so that intern the world rewards me? And how

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<v Speaker 2>can I provide enough value in the world in the marketplace?

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<v Speaker 2>And I just as well, Like what I used to

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<v Speaker 2>do is I would go around and I'd see a

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<v Speaker 2>helicopter and I'd think, wow, you know, someone can afford

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<v Speaker 2>the pilot, someone can afford the fuel, Like, how the

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<v Speaker 2>hell are they doing that? To teach myself abundance rather

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

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<v Speaker 2>especially in a contracting economy, around how hard it is

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<v Speaker 2>and how we've got a lack of And then even

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<v Speaker 2>just driving here, I looked at Commercial Bay and I thought,

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<v Speaker 2>whoa Like someone built that, someone funded that, Like someone's

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<v Speaker 2>outside having their lunch. Someone went in there and brought

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<v Speaker 2>their lunch. And I just look at it and think,

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<v Speaker 2>there's so much money changing hands. And when I started

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<v Speaker 2>to turn my mindset to there's a lot of money

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<v Speaker 2>out there rather than no, there's not you know, there's only.

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<v Speaker 6>A little bit.

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<v Speaker 2>It's pretty hard and all this stuff. Once I unwired

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

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<v Speaker 2>why can't I sort of participate in the game. So

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<v Speaker 2>just thinking more abundantly has been so healthy for me.

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<v Speaker 6>Awesome, It's a great word abundancy, easier step to improving

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<v Speaker 6>your financial situation.

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<v Speaker 2>Gee, that is I reckon, Like, I'm a massive fan

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<v Speaker 2>of a cash flow forecast and the business sense, but

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<v Speaker 2>when I moved it into personal finance, it's basically, what

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<v Speaker 2>cash do you have in the bank? What have you

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<v Speaker 2>got coming up in terms of what's coming in and

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<v Speaker 2>what's going out, so you can see that and you

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<v Speaker 2>can visualize that. Some people call that a budget. I don't.

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<v Speaker 2>I think you're forecasting and you're tracking what you've got

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<v Speaker 2>coming in and going out, and then every month tracking

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<v Speaker 2>your networth, so your asset values and then your debt values.

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<v Speaker 2>And this is what businesses do. This is what they

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<v Speaker 2>report on. And I just modeled it and thought, well,

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<v Speaker 2>if it's good enough for businesses around the world, why

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<v Speaker 2>don't we do it individually as a framework. And I

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<v Speaker 2>think if you do that for eighteen months, it will

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<v Speaker 2>completely change the way that you look at your life

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<v Speaker 2>and you start wrapping some goal around that. So it

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<v Speaker 2>was actually one of the first tools that I built

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<v Speaker 2>as part of Keep the Change to give people for free.

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<v Speaker 6>You know, thousands of people have.

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<v Speaker 2>Downloaded it every month. Then I say I'm doing it,

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<v Speaker 2>and people are like, can I get the templates, And

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<v Speaker 2>I'm like, you can have the templates, but you have

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<v Speaker 2>to do the doing, and you have to do it

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<v Speaker 2>month and month out. So I reckon that that's a

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<v Speaker 2>game changer because it's a great place to start to

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<v Speaker 2>get really clear on what assets you've got, what debts

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<v Speaker 2>you've got, and then what cash you've got coming in

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<v Speaker 2>and what's going out, and then how you play the

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<v Speaker 2>game from there or what you need to change up.

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<v Speaker 6>Well, I love that.

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<v Speaker 9>One funny story when Brooke and I were around the

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<v Speaker 9>time we started cheeseys or we'd quit our jobs so

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<v Speaker 9>we sort of basically lost our income. We'd also opened

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<v Speaker 9>a brewery and micro brewery. Not that long that we

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<v Speaker 9>had a few pressures going on, and not that long

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<v Speaker 9>after that found out we're gonna have a baby.

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<v Speaker 6>But anyway, we started getting really minute.

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<v Speaker 9>On cash flow, to the point we did this thing

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

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<v Speaker 9>have to check yours out, but we literally like every

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<v Speaker 9>day we would powersells some money to make sure weren't

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<v Speaker 9>a head. And it also like it would compound into

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<v Speaker 9>the weekend so that we didn't have to give up

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<v Speaker 9>on weekend fund and all this sort of stuff as well.

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<v Speaker 9>It was just like this, very like quite a specific

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<v Speaker 9>point in time I remember really well. So I love

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<v Speaker 9>the cash flow forecasting. And last one for you, if

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<v Speaker 9>you had a challenge for for our listeners, what would

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<v Speaker 9>that be?

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<v Speaker 2>Yeah? Nice. I was actually going to run this as

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<v Speaker 2>a workshop for Keep the Change, but I was about

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<v Speaker 2>to say I don't have the time, but I just

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

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<v Speaker 2>But what it would be is to make two hundred

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<v Speaker 2>dollars before the end of the year, and you get

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<v Speaker 2>a hundred of it, but the other hundred of it

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<v Speaker 2>you have to go and give to an absolute stranger,

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<v Speaker 2>so you have to pay someone's groceries. You just walk

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<v Speaker 2>up to someone. And I tru try and do this

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<v Speaker 2>every Christmas. And I was coming back from a viaduct

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<v Speaker 2>lunch a couple of years ago, and I just walked

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<v Speaker 2>onto the bus and gave this lady cash that was

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<v Speaker 2>driving it, and she was so like what the hell

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<v Speaker 2>is going on here? But she was so thankful and

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<v Speaker 2>so stoked, and it always sort of stuck with me.

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<v Speaker 2>And I think why I think this is important is

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<v Speaker 2>it challenges us to a you know, think about where

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<v Speaker 2>we might have a couple of hundred bucks that could

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<v Speaker 2>be sitting around the house or in the garage. It

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<v Speaker 2>might be you know, doing a little bit extra. It

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<v Speaker 2>might be just you know, doing something for your neighbor

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<v Speaker 2>and getting paid for it, but challenging yourself to actually

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<v Speaker 2>do it. But then you've got to go fifty to

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

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<v Speaker 2>But the first hunter you have to give to somebody,

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<v Speaker 2>And that's teaching you that you can give money away

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<v Speaker 2>and that's okay, it will come back, and it's forcing

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<v Speaker 2>you and challenging you to think of it differently. And

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<v Speaker 2>also you never know what the feeling is like to

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<v Speaker 2>give to someone without expectation, to a complete random in

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<v Speaker 2>the street if you don't do it, and if you

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<v Speaker 2>do do it, then you get the feeling of it.

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<v Speaker 2>And it could be that you realize that you're a

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<v Speaker 2>massive giver and that really gets you going, and so

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<v Speaker 2>then you become a massive philanthropist in your life or whatever.

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<v Speaker 2>But if you believe that, you know, every dollar you

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<v Speaker 2>get you've got to hold onto and that's it, and

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<v Speaker 2>all this stuff and they'll never you know, you never

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<v Speaker 2>have another dollar and stuff, then you're probably going to

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<v Speaker 2>live like that and you're going to live scared. So

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<v Speaker 2>my challenge is basically to try and encourage people to

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

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<v Speaker 2>and that you can make more money in this money

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<v Speaker 2>all around us.

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<v Speaker 6>Mate, what a way to round that out.

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<v Speaker 9>You're already democratizing wealth and education and now you're bringing

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<v Speaker 9>in democratization of philanthropy as well.

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<v Speaker 6>So very cool.

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<v Speaker 8>More than Money is a series about the wealth choices

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<v Speaker 8>that change us as Cheeseys grows. We want to be

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<v Speaker 8>able to provide a space for shared experience that can

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<v Speaker 8>benefit everyone who wants to grow their wealth, whatever path

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<v Speaker 8>it takes. Now you can do more to build wealth

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<v Speaker 8>on Chaz's right alongside your investment portfolio. Log in to

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<v Speaker 8>issuer of the Chaza's kiwiserver scheme. View the lodged product

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<v Speaker 8>Disclosure statement at dub dub dub dot Chezys dot nz

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<v Speaker 8>slash kiservice slash documents