Ever wondered what it really takes to go from negative balance to financial freedom? On this episode, I sit down with Luke Kemeys – one of New Zealand’s youngest Fellow Chartered Accountants, creator of the Keep the Change podcast, Money Mail, and a rising authority in personal finance.

Luke’s journey hasn’t been easy. From struggling with credit card debt to recently hitting millionaire status, he’s redefining what financial expertise looks like in the modern world.

We dive into:

• How Luke built KTC and Next Advisory from the ground up
• The mindset shifts that helped him move from debt to wealth
• Secrets behind creating a successful money podcast in NZ
• Why “millionaire” isn’t what it used to be – and what being a liquid millionaire really mean ...