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Welcoming the amazing Hannah McQueen to the Award Winning Fresh Moni podcast! Hannah is a trailblazer in the realm of personal finance, celebrated for her innovative strategies that empower individuals to achieve financial freedom faster. As the founder of enable.me - financial strategy & coaching, she has transformed the lives of thousands, providing practical tools and tailored advice to help people manage debt, build wealth, and plan for a secure future.
In this episode of 'Where's My Money,' host Reagan delves into the importance of paying attention to your KiwiSaver account. Most Kiwis set it and forget it, which could be a financial faux pas. With insights from financial advisor Tamika Blair, they explore how to optimize your KiwiSaver, balance risk, and even use it for your first home. They also tackle common questions around KiwiSaver providers, fund types, and retirement planning. Later, Hannah McQueen joins to discuss property investments, balancing debts, and strategic money moves. Perfect for anyone looking to get smarter with their finances.
Buying a house feels like the ultimate Kiwi dream—but how do you get started without losing your mind (or your wallet)? In this episode, I chat with Katie Wesney, a financial guru who spills the tea on climbing the property ladder without slipping. Then, Hannah McQueen is back with her legendary advice, tackling real listener questions about scams, debt, and making bold moves with your money. powered by enable.me Instagram / Facebook / Tik Tok: @wheresmymoneynz Reagan White Instagram Where's My Money? Linktree
Financial adviser and coach Hannah McQueen joins Tim Beveridge to discuss how to split your mortgage to pay as little as possible in the long run. LISTEN ABOVESee omnystudio.com/listener for privacy information.
In this quick bite from Shared Lunch, host Helen Matterson and financial advisor Hannah McQueen from Enable.Me tackle a common financial dilemma: how might you balance KiwiSaver contributions and paying off your mortgage? Hannah shares her options on balancing retirement savings with property investment, contributing up to an employer's match, and thoughts on what could happen with the extra funds. Plus, what are some major mistakes kiwis make when it comes to finances? For more or to watch on youtube—check out http://linktr.ee/sharedlunch Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. Shared Lunch is not financial advice. We recommend talking to a licensed financial adviser. You should review relevant product disclosure documents before deciding to invest. Investing involves risk. You might lose the money you start with. Content is current at the timeSee omnystudio.com/listener for privacy information.
How do you get ahead once you've emptied your savings and most of your Kiwisaver to buy a home? For many of us the financial struggle seems never ending. In keeping with the theme of Sorted Money Month, ‘Pause, get sorted', we look at what you can do to keep building your wealth for the future. We're joined by enable.me founder Hannah McQueen who suggests where to start, and answers common questions around balancing mortgage debt and contributing to Kiwisaver. We're giving away two copies of Hannah's revised book ‘Kill Your Mortgage and Sort your Retirement'. Head to the Sharesies Share Club NZ Facebook Group to enter and let us know your top money tips for building future wealth. T&Cs apply . For more or to watch on youtube—check out http://linktr.ee/sharedlunch Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. Shared Lunch is not financial advice. We recommend talking to a licensed financial adviser. You should review relevant product disclosure documents before deciding to invest. Investing involves risk. You might lose the money you start with. Content is current at the timeSee omnystudio.com/listener for privacy information.
Financial Advisor Hannah McQueen joins Tyler Adams on The Weekend Collective to discuss how you can pay off your mortgage faster, even when you don't have much left at the end of the week. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Self-described "financial force of nature," Hannah McQueen is a chartered accountant and founder of financial literacy company Enable Me.
Did you know that one- in -four NZ'ers are banking on a Lotto win to fund their retirement? Today on the pod we took on the $43 million Lotto fantasy with financial whiz Hannah McQueen. Don't forget we go live every weekday morning at 7:30 YouTube, Twitch, and Tik Tok. All the other social, listen and watch links are here Hannah McQueen powered by enable.me Hannah McQueen Instagram See omnystudio.com/listener for privacy information.
A great show today, covering topics from Lotto to X's new guidelines on pornographic images. Hannah McQueen and Otago University Statistician Martin Hazelton speak on Lotto's 43 million dollar jackpot and the likelihood of you actually winning. And Rory Birkbeck comes onto the show to speak on his new 'Safe-phone' Don't forget we go live every weekday morning at 7:30 YouTube, Twitch, and Tik Tok. All the other social, listen and watch links are here See omnystudio.com/listener for privacy information.
In this episode, we've got Mike and James from the Cheques and Balances podcast with advice on snagging that dream home without falling into money pits. And Reagan's very own money guru Hannah McQueen from enable.me returns to answer your questions powered by enable.me Instagram / Facebook / Tik Tok: @wheresmymoneynz Reagan White Instagram Hannah McQueen Instagram Show links Where's My Money? LinktreeSee omnystudio.com/listener for privacy information.
Welcome to the first-ever episode of "Where's My Money?" – the podcast that's all about digging ourselves out of debt and finding that financial freedom we're all after. I'm Reagan, and I've been right where you might be now: staring down a mountain of debt and feeling like there's no way out. But guess what? There is hope! Join me and money whiz Hannah McQueen, and leading economist Shamubeel Eaqub as we tackle the big stuff – mortgages, budgeting, and making smart money moves. If you're looking to turn your financial life around and have a laugh along the way, this is the podcast for you. Let's get our money working for us, not against us! powered by enable.me Instagram / Facebook / Tik Tok: @wheresmymoneynz Reagan White Instagram Hannah McQueen Instagram Show links Where's My Money? Linktree See omnystudio.com/listener for privacy information.
As money has moved into the digital space, physical cash has become less prevalent. Only 57.2 percent of kiwis used cash for everyday purposes in 2023, down from 95.8 percent in 2019. Those using cash tend to be among more vulnerable groups, including the young, elderly and disabled, and are more likely to live rurally. Hannah McQueen joins Tim Beveridge to discuss whether all kiwis would save more by stashing the debit cards and reverting to the use of physical cash. LISTEN ABOVE See omnystudio.com/listener for privacy information.
What are the best lessons to teach your children about money? How soon should you be setting them up with a trust fund, or a personal savings account? Hannah McQueen of Enable Me joins the Weekend Collective to discuss. LISTEN ABOVE See omnystudio.com/listener for privacy information.
Reagan White has a mountain of debt - one point one million dollars to be exact. It's an eye watering amount and it's been keeping him awake at night. In fact, things were so close to the line he decided he needed to call in the big guns. Now, thanks to Enable Me's Hannah McQueen, he's getting back on track. But how much is too much to borrow, and what levers can you pull when your mortgage debt's out of control? Reagan decided to share his story on his new podcast, 'Where's My Money' - and he spoke to Duncan about his financial journey, and how Kiwi's can climb out of a mountain of debt.See omnystudio.com/listener for privacy information.
With everyone talking about mortgages and interest rates, it's easy to forget that property is just one part of your overall wealth plan and strategy. Hannah McQueen joined Jack Tame for a chat about the considerations people should have towards long-term wealth creation and what homeowners should be preparing for once the housing market has settled again. And, if you're not interested in property, how to choose your investment strategy while the markets are down. LISTEN ABOVE See omnystudio.com/listener for privacy information.
Data published by the Workplace Gender Equality Agency across the ditch showed some of Australia's biggest companies have had their dirty laundry aired as gender wage gap data from thousands of organisations is made public for the first time. So how important to you is pay transparency and how exactly do you negotiate a pay increase? We're joined by Hannah McQueen from Enable Me, to give her insight on things. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Homeowners with a fixed-rate mortgage expiring soon likely perked up when forecasters started suggesting that interest rates could start falling this year. But the Reserve Bank isn't convinced the inflation beast is back in the bag just yet. With conflicting information and no guarantees on when, how far, or how fast interest rates will fall, how can you assess your position and determine the best pathway forward? Hannah discusses strategies on how to proceed when interest rates are sky high but anticipated to fall, why you should calculate the interest rate differential when you want to fix short-term, and why favourable conditions demand a focused mindset to maximise progress and avoid complacency. LISTEN ABOVE See omnystudio.com/listener for privacy information.
One of Hannah's key lessons (and an important point we make to all of their clients) is that financial progress shouldn't wait for perfect conditions. When life gets uncertain and throws a curveball, that's the exact time financial opportunities tend to reveal themselves - ironically, at the least opportune moment. After the year that's been, we can probably all relate to that feeling! So the question becomes: If financial opportunity presented itself, would you see it for what it is, or would it simply pass you by? Our experience with clients would suggest the latter. So in the current climate where the high cost of living does not want to budge, where interest rates remain painfully high and many of us are due to refix if we haven't already, why is Hannah so optimistic? What are the opportunities she's seeing on the horizon and how do we see it for what it is and take advantage of it? LISTEN ABOVE See omnystudio.com/listener for privacy information.
Hannah McQueen has just returned to New Zealand after running the New York Marathon. While preparing for this event, she identified a few parallels between what it takes to run a marathon and achieving one's financial goals. The notes: - Have a goal. - Understand your own limitations - not everyone's a runner and not everyone is naturally inclined to make the best financial decisions (even if they know what they are). So: - Get someone who's got experience/expertise to help you build a plan to achieve that goal. - This means the plan is tailored to you. - This means there's an expert on hand in the event you experience a setback and the plan needs to flex or adapt to a new situation. - There's someone to be accountable to (some of us aren't very good at being accountable to ourselves). And if you are working with a professional: - Trust the process - others may have a different plan to you, so don't compare yourself to others. - If you feel like you're not ‘doing enough' or progress has stalled, trust that your plan has been designed with you and your goals in mind and probably has a few contingencies if things don't go to plan. You may not see the progress you're making —or see how it's helping you get to your end goal— but that doesn't mean that you're not 100% on track. - It will be uncomfortable, especially at first. But that doesn't mean it's not worth doing. LISTEN ABOVE See omnystudio.com/listener for privacy information.
The capital markets have been volatile recently with long-term interest rates going up and share markets going down. Shane Solly from Harbour Asset Management breaks down what's been driving capital markets, and what could support share markets. Are you sinking, floating, or flying when it comes to your personal finances? Hannah McQueen breaks down what targets you should be trying to hit at your age.See omnystudio.com/listener for privacy information.
The results are in and it's looking very likely we'll have some form of National-led government for at least the next three years. So, what will this actually mean for our finances and the housing market? Will it be the boost some were hoping, or will the impact not be quite as much as people expect? Hannah McQueen joined Jack Tame to give her insight and answer a few questions about what kiwis should expect. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Are you sinking, floating, or flying when it comes to your personal finances? Hannah McQueen breaks down what targets you should be trying to hit at your age. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Half of mortgages are due to be refixed over the coming 12 months and many of those will be rolling onto much higher interest rates than where they are right now. While predictions last year were that interest rates would start easing towards the end of this year, it now looks like it won't happen until mid-next year, if not later. And while the OCR hasn't shifted since May, banks have continued increasing their interest rates, unnecessarily adding to the pressure. Yet despite all this —and the extensive media coverage that mortgage interest rates and the cost of living has been getting— people are still not prepared for what they'll do when their mortgages come up for refixing, and how they'll cope with this increase in cost. LISTEN ABOVE See omnystudio.com/listener for privacy information.
With tax changes and policy changes promised by differing parties – where should the election feature in your financial plan? Plenty of people have spent the past year holding off on financial decisions, on the expectation that a change in Government would have a material impact on their wealth creation plans – but is that a sound strategy, or a risky one? LISTEN ABOVESee omnystudio.com/listener for privacy information.
National leader Chris Luxon and deputy Nicola Willis have unveiled their long awaited tax plan- as the clock ticks down to October's election. If elected, National would shift personal income tax brackets for inflation and expand tax credits, and cover it by slashing public service spending and rolling out a 15 percent foreign buyer tax on homes. Enable.Me's Hannah McQueen says the shifted personal income tax brackets would give Kiwi households an extra $100-$250 a fortnight- which would be helpful to New Zealand's middle class. "For some context, if you had a mortgage of $400,000 and you were on a 3 percent rate to a 7 percent rate, your repayments have increased by $450 a fortnight- $250 of that is now going to be offset." National also want to bring back public transport fares for children and scrap the 50 percent discount for under-25's, a policy that Free Fares NZ campaigner Steve Maran disagrees with. "Removing that is a step in the wrong direction. Many low-income families have benefitted from this initiative, which made it easier for all of them to get to school and get to work." The Property Council's Leonie Freeman has also voiced disapproval at National's plan to remove depreciation for non-residential buildings to pay for tax cuts. "They've been flip-flopping on this policy for some time. The commercial property industry is in a pretty challenging time at the moment, there's already pressures like the need to upgrade for seismic strengthening." LISTEN ABOVESee omnystudio.com/listener for privacy information.
Data shows that mortgage payments are much higher than paying rent – but does that mean it's not worth owning a home? What are the implications of not owning? What should you be doing with that ‘spare' money if you opt to rent instead? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Hannah McQueen joined the show to chat about what's driving up rents, with wage rises and the shortage of houses a bigger factor than interest rates. Tim and Hannah also discussed Labour's GST policy announcement. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Money Personalities. The Retirement Commission this week released a study which identified 5 main Money Personalities – an enterpriser, a minimalist, a socialite, a realist, and a contemporary. Hannah McQueen has seen thousands of clients over the years, does this hold true, and does it matter? LISTEN ABOVESee omnystudio.com/listener for privacy information.
There are plenty of indicators suggesting that things could be about to turn when it comes to the property market. Building consents, migration numbers, LVR changes, auction clearance rates, interest rates peaking, etc – however, it's important to call out what we've (hopefully!) learned from the pandemic surge and slump. Property is not just a one-way bet, it's best as a long-term investment, so that means people need to go into it with their eyes wide open in order to be able to hold it long term and avoid getting burnt. Especially if things do start to rise again, you shouldn't rush in without doing your homework, knowing your numbers, and understanding your hold strategy (people definitely seem to suffer from FOMO if they think they're missing out on a rise in the property market and rush in). LISTEN ABOVESee omnystudio.com/listener for privacy information.
For Mother's Day we asked what the financial strains of having children are, and whether you're better off without them and saving a lot of time and money. LISTEN ABOVESee omnystudio.com/listener for privacy information.
As a lot of rules have changed or tightened up and made residential property investment a slightly different prospect, more and more people are asking whether they should instead consider commercial investment property. There's a lot to weigh up, so I thought it could be an interesting discussion to have – what are the pros, cons, things you might not realise, things you need to consider, lending arrangements, potential yield and capital gain and how does it compare? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Hannah McQueen has been running enable.me for more than 15 years, and in that time has seen a huge change in the number of people who own shares. The sharesies/hatch/DIY investor revolution means many people have a portfolio when previously it was only those who had significant wealth, or a personal passion, who did. The problem is there are more and more people randomly selecting shares, rather than investing strategically, or in a diversified way. FMA research shows a decent number of people invest due to FOMO or because someone said it was a good idea, without doing any research themselves – and our observations echo that. As a learning mechanism, or a bit of fun – great – but for most people the margin for error to land them where they need to be for retirement is too small to invest too much that way. It's not a dig at investment platforms – just a warning that there are risks to directing too much of your investment funds in a scattergun approach. I liken it to picking the route before you've identified the destination – who knows where you'll end up. LISTEN ABOVE See omnystudio.com/listener for privacy information.
The downsizing dilemma – it's a natural progression to downsize the family home when the kids fly the nest and you head into retirement, but people usually expect it to release more cash than it does. If you find yourself in that situation you can end up in a pickle. Why does it not provide as much of your retirement savings as people expect? Why does timing become important? Does moving to a cheaper area solve all that? How do you avoid having an over reliance on your home, and what do you do if you are reliant on it? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Hannah McQueen joins us from Enable Me & we're discussing everything you need to know about property investing & taxation. LISTEN ABOVESee omnystudio.com/listener for privacy information.
We're coming up to the end of the financial year, which doesn't mean much for most wage and salary earners these days, but it will mean something to many property investors, who will see the next step down in the phase-out of interest cost deductibility. Those who aren't exempt (only those who bought a new build after the end of March 2021 are exempt) will see deductibility drop from 75% to 50% - which means they may end up paying tax on a profit they're not making. While I know few have sympathy for property investors, many of them are just average people who have bought a property to help fund their retirement and the rules have changed. If you layer in higher interest costs, it should prompt a re-think about whether they should continue to own that property, and if not that property, how else should they fund their retirement gap. LISTEN ABOVESee omnystudio.com/listener for privacy information.
What lots of people have been worrying about at the moment – settling on property in the current economic environment. LISTEN ABOVESee omnystudio.com/listener for privacy information.
It's a new year - which means, many of us have set new resolutions or perhaps money goals. It was a tough financial year for many - with rising mortgage rates, soaring food and petrol prices so how can you get the best out of your dollars this coming year. Perlina talks to Hannah McQueen is a financial adviser, chartered accountant and founder of personal finance coaching firm - Enable Me
With how high interest rates could now go scaring some people a little, and with terms of four and five years only fractionally higher than terms for one or two years, some are probably wondering whether they should opt for a little more certainty and go long, especially if anything over 7% becomes problematic for them. But fixing long term can be problematic in the context of the economic environment we're heading into – and there are some lessons from the GFC on this. LISTEN ABOVE See omnystudio.com/listener for privacy information.
Hannah McQueen joins the boys to discuss the fact that New Zealand's official cash rate was lifted to 4.25% & whether we should be tightening our spending like Adrian Orr has suggested.See omnystudio.com/listener for privacy information.
It's never how anyone plans it when they get married, but divorce is very common – which means it could be a curveball you have to contend with. On the financial as well as the personal – it can be devastating. So how can you best navigate the dollars and cents side of divorce? LISTEN ABOVE See omnystudio.com/listener for privacy information.
Mortgages are the story of the week – that inflation reading has pushed up fixed term interest rates for the first time in a while, when most thought that fixed term rates had peaked. Whether it's hit you yet or not, interest is soon going to be taking a bigger chunk of your income – so what should you be doing to ensure you not only continue to survive, but continue to make progress while interest rates are rising? Rather than panicking about what lies ahead, what do you need to be thinking about with your mortgage in conditions like these? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Massey University recently re-did its survey of what people of different lifestyles spend in retirement with the numbers shocking some - and yet we still put off preparing because it's scary, because other things take precedence for example. LISTEN ABOVESee omnystudio.com/listener for privacy information.
In this episode, we reveal the top 10 financial advisers in New Zealand – who they are, what they do, and who they are the right fit for. This includes: Hannah McQueen from EnableMe, Lisa Dudson from Acumen, Cameron Marcroft from Loan Market, April Hastilow from Become Wealth, Darcy Ungaro from Ungaro and Co and the NZ Everyday Investor Podcast John Bolton from Squirrel, Eugene Bartsaiken from Twine Financial Advisers, Rick Parry from NZ Funds, Pippa Hogg from BNZ, and Martin Hawes We also mention our upcoming How to buy your first (or next) investment property webinar, which is on Tuesday 13th of September. Click the link to register.
The stats suggest not many of us do it, but there are compelling reasons why you would – and also circumstances when you wouldn't. Most people think only of getting a better interest rate – but there are more strategic reasons why you might consider switching (and it's not as much of a faff as it used to be) – plus there are some significant cash incentives on offer as the banks compete for business amid slower growth in lending. LISTEN ABOVE See omnystudio.com/listener for privacy information.
The Government sneaked through a GST tax on Kiwisaver. What does this mean for your managed fund? Will it go through? Does it make sense? Will Jono get Hannah McQueen to say 'Ker-chow'? Important and less important questions are tackled here (ok it's mostly important). Unusually intelligent chat with the guys ensues (mainly because of the guest, not them).See omnystudio.com/listener for privacy information.
Today on the Jono and Ben podcast we chat to the daughter of the infamous WWE star Butch from the Bushwhackers! Megan Papas chat what to watch and Hannah Mcqueen talks us through the latest tax scheme implemented in New Zealand!See omnystudio.com/listener for privacy information.
In times like these it is tempting to take a conservative approach to growing wealth, however that usually means you aren't keeping up with inflation. Enable Me founder Hannah McQueen joins Jack to talk about how to get comfortable taking risks, when you are naturally risk-averse. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Hannah McQueen from enable.me chats to Jack Tame about whether the criticism of the Reserve Bank this week is fair. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Hear an eager Ben Boyce and his first attempt at rugby commentary - plus we get feedback from sports broadcaster Scotty Stevenson. Jono ends up in a Johnny Depp internet wormhole plus we get some money saving tips from financial coach, Hannah McQueen!