Podcasts about KiwiSaver

Summer spending is easy - staying on top of your money is harder.In this episode, we walk through how to set clear financial goals, build a sustainable budget, make smarter KiwiSaver choices, manage debt properly, and create a practical roadmap toward buying a home and building long-term wealth without blowing up your lifestyle.Register now: Buying a home, investing, or want better control of your money? Join Michael Vincent and James Blair for a practical 2026 ⁠financial planning webinar.⁠Speak to an adviser: If you want help turning your goals into a clear plan, book a complimentary 30-minute chat with a Lighthouse Financial adviser.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

The Prime Minister's keen to raise the retirement age -- but it's not possible in coalition with New Zealand First. The Government is halving its KiwiSaver contribution rate -- and canning if people earning more than 180-thousand dollars. The default rate of worker and business contributions to KiwiSaver will rise over time. Chris Luxon told Kerre Woodham pushing out the retirement age to 67 makes sense. He says Labour doesn't think it's a good idea, and New Zealand First does not want to move that forward. Luxon also spoke about the cuts the government made to make funding available elsewhere. Budget 2025 includes 21 billion dollars of cost-savings - 13 billion of that from the controversial change to pay equity law - raising claim thresholds. Prime Minister Chris Luxon told Kerre Woodham these are difficult choices, but there's no way they could afford that. LISTEN ABOVE OR WATCH HERE See omnystudio.com/listener for privacy information.

The coalition Government has unveiled its second Budget. Over 20 billion dollars in savings has been found over the next four years, more than half from controversial changes to our pay equity scheme. There are changes to KiwiSaver contributions, means testing for support for parents, and a major new tax incentive for businesses. Finance Minister Nicola Willis said that it is a “responsible budget”, while Labour has called it an ‘austerity budget’ that leaves women out and is stealing from our kids. To break down what this all means for you, today on The Front Page, we’re joined by NZ Herald business editor at large, Liam Dann. Follow The Front Page on iHeartRadio, Apple Podcasts, Spotify or wherever you get your podcasts. You can read more about this and other stories in the New Zealand Herald, online at nzherald.co.nz, or tune in to news bulletins across the NZME network. Host: Chelsea DanielsSound Engineer/Producer: Richard MartinProducer: Ethan SillsSee omnystudio.com/listener for privacy information.

'Tis the season for corporate gifts. But have you had one from your KiwiSaver provider? It turns out, some people have been treated to a few early Christmas presents - an umbrella in one case and a bottle of wine for another lucky saver. Money correspondent Susan Edmunds has been looking at what's on offer and spoke to Lisa Owen.

Are we really as wealthy as the headlines claim? New Zealand recently ranked fifth globally in per capita wealth—but is that just an illusion? In this episode, Tim and Nick unpack why so much of our “wealth” is tied up in property, what that means for financial security, and practical steps to build resilience beyond bricks and mortar.(00:00:00) Intro: Are we really the fifth-wealthiest nation, or is it smoke and mirrors?(00:00:36) Why Kiwis feel squeezed despite global wealth rankings(00:00:49) The Allianz report and New Zealand's property-heavy balance sheet(00:03:38) Why housing wealth creates an illusion of security(00:04:29) The “third age” and risks of poor cash flow in retirement(00:06:40) Government incentives and our obsession with property(00:08:07) GDP per capita vs wealth rankings—what's the real story?(00:09:57) Why New Zealand's productivity has lagged for decades(00:13:30) Export strategy and lack of value-add in key industries(00:16:02) Practical steps for genuine financial resilienceThe Adviser Talk is available on all major streaming platforms, including Spotify and Apple Music.Nick Stewart is a Financial Adviser and CEO at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance and KiwiSaver solutions.The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

After yesterday's half-year fiscal update from the Government, the canary in the mine is gasping for air and the elephant in the room is walking all over everything. And economist Cameron Bagrie is saying that we can't ignore either of them - particularly in relation to the long-term outlook and what it means for superannuation and retirement planning. He says, with Government debt forecast to blow-out long-term, we need to accept the fact that the universal pension scheme is unsustainable. Government debt is forecast to increase to 180 percent of GDP in 30 to 40 years because of the ageing population and Cameron Bagrie says if we think tinkering around the edges with KiwiSaver is the solution, then we're dreaming. And I couldn't agree more. He says a conversation about the sustainability of superannuation can't be avoided forever. I would disagree with him slightly on that one. I think that conversation about the sustainability of our NZ Super scheme needs to happen now. My view on NZ Super is that it's crazy people who work beyond 65 get the pension. Even though it's taxed at a higher rate - I get that. But I still think it's wrong. I've also been a fan of some form of means testing. But, if I'm honest, do I really think the scale of the problem we've got - especially long-term - would be sorted out by not paying the pension to people who continue to work beyond 65 and means testing people before they get the pension? Probably not. So, if we're really going to think long-term, I reckon we need to make the call that people of a certain age are told that the NZ Super pension won't be available to them by the time they reach retirement age. This would have to be long-term. So, for arguments sake, let's say we told people who are 35 and younger that they will have to provide for themselves completely when they retire. That would give them at least 30 years to get themselves sorted. In fact, I would say that people in this age group probably assume now anyway that they won't be getting a government pension by the time they reach retirement age. So what I'm talking about is a very gradual phase-out of the government pension. I'm in no doubt that something like this is needed. Because we are dreaming if we think we can keep doing what we're doing. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Grow your business with our 90 day business planning: https://nextadvisory.nz/90-day-business-planning/From April 2026, Kiwisaver contributions are jumping from 3% to 3.5%. By 2032, it could be as high as 6% from you and 6% from your employer. Business owners need to start planning now.Luke and Phil break down what's really happening: 1.4 million Kiwis (40% of members) aren't contributing anything to their own retirement, government contributions are being means-tested away, and the $130 billion pot is getting serious attention from politicians.We can't afford to keep paying gold-plated pensions to baby boomers while younger generations get nothing. Business owners will face increasing payroll costs every year until 2032. A half percent increase annually might not sound like much, but multiply that by your entire workforce.We cover why it should be compulsory for everyone, the temporary reduction options (that defeat the whole purpose), and why people who understand money are excited about 6% matching.The rules are changing. Adapt or get left behind.If you're interested in working together:Visit our website https://nextadvisory.nzLet's connect over a quick call: https://calendly.com/philsmith/Instagram: https://www.instagram.com/nextadvisory.nz/

When you receive an annual statement from your KiwiSaver provider, it will show you what lump sum you are on track to have saved by the time you are 65, and what that should mean per week. But KiwiSaver providers say it might not be as accurate as you think. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Is NZ's property market really unproductive — or is everyone getting it wrong?In this episode, we break down the real economic impact of New Zealand's property sector - from its $50B GDP contribution and 235,000 jobs, to how domestic trade, construction, KiwiSaver investment, and smarter intensification strategies shape whether property truly helps or hinders national productivity.This episode is brought to you by ⁠Lighthouse Financial⁠ - your partner in financial freedom.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

An extra half hour of The Panel with Wallace Chapman, where to begin, he's joined by Nights host Emile Donovan. Then: it's been billed as the biggest mistake a New Zealand politician has ever made. In 1975 Robert Muldoon, newly elected to power, scrapped the previous Labour government's plan to start a compulsory saving scheme; in parts very KiwiSaver-like. It's estimated the collective KiwiSaver kitty would now hold $750 million dollars. Why did he do it and what happened during this pivotal moment in our history?

Is wisdom really worth 4.52%?In this episode, Tim and Rory unpack the true value of advice.Russell Investments recently quantified the value financial advisers bring to New Zealand investors at 4.52%, Rory breaks down the “price of wisdom” and explores the real benefits that extend far beyond portfolio performance.(00:00:43) What's in the 4.52%: asset allocation, customised planning, and behavioural coaching (00:01:38) Why investors fixate on numbers; NZ's property bias and herd behaviour (00:02:24) When “safe” turns risky: property boom/bust parallels with '87 crash, dot‑com, GFC, COVID (00:03:25) Returns comparison: NZX50 (~6.9x) vs globally diversified (~17.5x) since the late '80s (00:04:06) Media narratives, bubbles and innovation; the human tendency to react to “now” (00:05:31) Holistic planning beyond returns: tax efficiency, structures, succession, risk insurance (00:06:13) Goals you can't price: flexibility, travel, family—why some outcomes are “priceless” (00:06:35) Estate planning basics: wills, guardianship, peace of mind (00:07:51) Behavioural coaching in action: “don't do this” moments; staying invested in KiwiSaver (00:10:27) Humans vs algorithms: reassurance and judgement you can't automateThe Adviser Talk is available on all popular streaming platforms, including Apple and Spotify.Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

KiwiSaver has changed the way New Zealanders save - but with an ageing population and growing fiscal pressures, the current system won't be enough to support future generations. In this episode, Simplicity Chief Economist Shamubeel Eaqub lays out his vision for KiwiSaver 2.0: a bolder, more sustainable approach to retirement savings that draws inspiration from successful global models.He explains why New Zealand's "pay-as-you-go" superannuation system is becoming increasingly unaffordable, what we can learn from Australia's compulsory Super regime, and the simple changes that could transform KiwiSaver into a powerful long-term asset for both individuals and the economy.This month's episode covers:Why New Zealand's ageing population makes our current public finances - especially Superannuation and healthcare - increasingly unsustainableHow KiwiSaver has shifted household saving behaviour, but why policy hasn't kept paceThe case for compulsory employer contributions, modelled on Australia and other high-performing pension systemsHow smarter hardship rules and “sidecar” savings could help low-income earners build both resilience today and more security for retirementThe idea of “Baby KiwiSaver” - enrolling children at birth to harness the long-term power of compounding returnsWhy a stronger KiwiSaver system could meaningfully boost New Zealand's investment capacity, infrastructure, and long-term productivityShamubeel breaks down complex retirement and fiscal challenges we're facing to show how a bigger, better KiwiSaver could give future generations more choices and help New Zealand shift from a capital-shallow economy to a capital-rich one.You should come away from this episode with a clearer understanding of why KiwiSaver needs to evolve, and what meaningful reform could look like in the years ahead.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

The Deputy Prime Minister and Act Party leader talks about using KiwiSaver to buy a farm. Plus, he enters the age-old debate on the age of eligibility for the National Super. And - is Chris Hipkins’s capital gains tax politically palatable or a poisoned chalice?See omnystudio.com/listener for privacy information.

The government pledged to ‘build the future' with its first election policy this week - and TVNZ aired a special about our economic problems. Do our media give us the big picture on our economy? Also: fact-free stories about rolling the PM - and Covid-19 hindsight flip-flops. In this episode: 1:12: Even as he launched his first election policy this week, pitched to ‘build our future,' Christopher Luxon faced a flurry of reports his own future as PM and party leader was in doubt. But they were high on rumour, chatter and opinion - and almost fact-free.15:30: TVNZ aired a special show - ‘You, Me and the Economy' - this week, zeroing in on the problems and possibilities in our economy.17:48: Bernard Hickey, founder of independent outlet The Kākā on media coverage of our economy. and if the ‘burps and farts' of party politics obscure important issues. Also: how subscriber-based public interest journalism can flip the script.35:46: The report from UK's Covid 19 inquiry has slammed the former government there for indecision and confusion, and delaying lockdowns that cost lives. One broadcaster seized on it to slam the government here, even though he changed his own position several times.Read more about this episode of Mediawatch on the RNZ websiteGuests: Bernard HickeyFollow Mediawatch and listen on Apple Podcasts, Spotify or any podcast app to make sure you never miss an episode.Find more RNZ Podcasts at the new section of the RNZ website at rnz.co.nz/podcastsGo to this episode on rnz.co.nz for more details

Dr *Matthew Hooton* joins host Martyn Bradbury and the panel — *Craig Renney, Shanan Halbert, and Matthew Tukaki* — to tear into National's “killing season,” KiwiSaver changes, and roadside drug testing. Plus: War on News (Winston's Regulatory Standards flip-flop, Shane Jones vs recreational fishers, Casey Costello's tobacco rankings disaster) and a final word on COP30's sell-out and Shane Jones' big-oil love affair. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Prime Minister ponders a peace deal in Ukraine, going on a farm tour with Federated Farmers, getting rid of regional councils, the OCR, KiwiSaver, the age of eligibility for National Super, whether a CGT has any political appeal, and whether Chloe is a genuine contender to be the next Minister of Finance.See omnystudio.com/listener for privacy information.

The prime minister is struggling to hose down the opposition's claim his Kiwisaver policy is likely linked to a rise in the retirement age. The proposal unveiled yesterday would see employers required to match workers' Kiwisaver contributions up to six percent of their wages. The opposition is mildly supportive, with some caveats, but the links to retirement age could point to a brewing rift in the coalition. Political reporter Russell Palmer has more.

The biggest losers in National's bid to super size Kiwisaver are low income earners and small businesses according to an economics expert. If re-elected National is proposing to raise Kiwisaver contributions to a combined 12 percent by 2032. The graduated increase would see contributions split evenly between between the employer and the employee, topping out at six percent each. Professor of economics Robert MacCulloch, who holds the Matthew S. Abel Chair of Macroeconomics at the University of Auckland, spoke to Lisa Owen.

Tonight, on The Panel, Wallace Chapman is joined by panellists Deborah Hart and Allan Blackman. First up, the government's added another sheet of gib to its reforms of the building sector. John Grey is the president of the Home Owners and Buyers Association Inc, he says there's not a lot of detail and he's not sure it will change things for the better. Then, in another policy announcement, National has pledged to gradually push up KiwiSaver contribution rates up to 12 percent. Is it a good move? The panel talks to economics professor Michael Cameron.

Christopher Luxon has finally swung for something big, and tonight we get stuck into what his KiwiSaver overhaul really means. After months of beige policy and quiet corridors, the Prime Minister has dropped a long term plan to lift contributions to a combined 12 per cent. It's ambitious, it's overdue, and it's got everyone talking. We break down why Luxon's suddenly found his spine, whether this is smart economics or pure desperation, and what it means for workers, employers, and anyone trying to retire before they're 90. On the panel Ashley Church and Rawdon Christie jump in with insight, history, and a few home truths about where this might land. Plus, Duncan has exclusive details you won't hear anywhere else. A rates cap is coming before Christmas and regional councils look set for the axe. Big moves. Big implications. And very big questions for a government trying to climb back in the fight. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Luxon says National's KiwiSaver election pledge will be a bottom line in coalition negotiations. National's announced plans to lift default contributions to six percent by 2032. Employer contributions would increase by half a percent from 2029. NZ Herald political editor Thomas Coughlan says most of the policy is sound, but he raised concerns over some employers taking the increases out of their workers' pay checks. LISTEN ABOVESee omnystudio.com/listener for privacy information.

A finance expert warns New Zealanders need reasons to pay in to KiwiSaver, if they're being told to contribute more. National's made a pre-election pledge to progressively raise baseline worker and employer contributions by 2032 - to six percent each. Koura Wealth managing director Rupert Carlyon says that's a nudge to contribute, but more's needed to turn it into a push. He says the US, Australia and Ireland use incentives. "These are all countries that use tax breaks, so tax deductions for contributions or tax deductions to allow you to kind of make your gains tax-free." LISTEN ABOVESee omnystudio.com/listener for privacy information.

On the Heather du Plessis-Allan Drive Full Show Podcast for Monday, 24 November 2025, if you're building a new home or doing a biggish renovation you'll soon be forced to buy a building warranty in case of building faults. Building Minister Chris Penk talks to Heather about the details. Koura's Rupert Carlyon says employers should be stopped from decreasing salaries to accommodate higher Kiwisaver contribution rates. The eye-watering amount of food that gets thrown away every year - and the surprising worst offender. Finance Minister Nicola Willis hits back at suggestions that Prime Minister Chris Luxon might get rolled by one of his MPs. Plus, the Huddle debates why we're so fed up with Air New Zealand, its service and especially its prices! Get the Heather du Plessis-Allan Drive Full Show Podcast every weekday evening on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Tonight on The Huddle, lawyer and political commentator Liam Hehir and Child Fund CEO Josie Pagani joined in on a discussion about the following issues of the day - and more! New reports claim New Zealand's wasting 1.2 million tonnes of food every year - but most of it is thrown away during production before it makes its way to the supermarket. What do we make of this? Ahead of the election, National is promising to increase KiwiSaver contributions by 2032 as part of their election campaign. Will this get votes? Speaking of the election, new polls show prospective voters are in favour of adjusting any capital gains tax for inflation. Labour has no plans to take this on board - should they consider this? Plenty of media commentators have outlined their concerns with Air New Zealand this week. Do we agree Air New Zealand needs to improve themselves? Will more Kiwis jump to Jetstar? LISTEN ABOVESee omnystudio.com/listener for privacy information.

National is out of the gates with its first election policy - proposing to lift combined employer and employee KiwiSaver contributions to 12% by 2032 if re-elected. Giles Dexter reports.

National has entered campaign mode, debuting its first new election policy in a bid to revitalise its flagging support in the polls. Acting political editor Craig McCulloch spoke to Melissa Chan-Green.

Money correspondent Susan Edmunds has been talking some KiwiSaver providers who say there's a catch in National's latest policy announcement.

National is proposing to raise Kiwisaver contributions to a combined 12% by 2032 - bringing it in line with Australia; Newly re-elected Auckland Mayor Wayne Brown says his second term will be focused on boosting the region's economic growth, making the CBD more inviting, and securing a city deal; Prime Minister Christopher Luxon spoke to Morning Report; We crossed the ditch to Canberra to talk to our correspondent Kerry-Anne Walsh.

National is proposing to raise Kiwisaver contributions to a combined 12% by 2032 - bringing it in line with Australia. Business New Zealand's Catherine Beard spoke to Ingrid Hipkiss

A promise to increase Kiwisaver rates is being described as a fundamentally good move - even if there's more to do. National says it will lift default contributions to six percent by 2032 - matching Australia's 12-percent superannuation rate. Employer contributions would increase by half a percent each year - but not until 2029. Milford Asset Management's KiwiSaver Head Murray Harris told Mike Hosking that although he backs the idea, 'we need to see what the long-term strategic plan for KiwiSaver is.' LISTEN ABOVESee omnystudio.com/listener for privacy information.

Queues at budgeting services are getting longer, and financial advisors are finding households with increasing incomes are seeking help. Kiwis with a household income of over $200,000 a year and likely with a mortgage are struggling to make ends meet. It feels like it was only a few years ago that being on a six figure salary meant you were fairly well off, but it seems it's barely enough to get out of living paycheck to paycheck these days. So what actually is a liveable wage these days? Do we truly need to be making half a million a year just to pay our bills and still have a bit left over for savings and fun? LISTEN ABOVESee omnystudio.com/listener for privacy information.

KiwiSaver is getting a shake-up and some of these changes could completely reshape your retirement.In this episode, we break down the proposed KiwiSaver overhaul from targeted boosts for low-income earners to parental-leave top-ups, employer contributions past 65, and the controversial emergency “sidecar” account - plus what these changes could really mean for your long-term savings.Next Steps: If you're not sure whether your KiwiSaver fund, contribution rate or strategy is set up correctly for these changes, book a free 30-minute session with a Lighthouse adviser and get your plan sorted.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Investor confidence is picking up from last quarter's post-Covid lows, but sentiment remains split. In this episode, Nigel Grant (Head of Wealth Products, ASB) and Chris Tennent-Brown (Senior Economist, ASB) dig into the latest ASB Investor Confidence Survey results for Q3 2025 to explore what's making some regions and groups more optimistic than others. They discuss the factors driving investor confidence and decision-making - from global headline events to local influences like the price of milk - and why more people are looking beyond property to investment options such as shares, managed funds, and KiwiSaver.

Money correspondent Susan Edmunds looks into what happens to a person's KiwiSaver when they die.

Today’s we're doing something a little different thanks to our mates at ANZ. We’re teaming up with ANZ to talk about something really important: financial confidence and KiwiSaver. Hayley's sitting down with fellow ZM gal Georgia Burt to interview her about how she thinks about money, the future, and what she's learned along the way. Book your free KiwiSaver Check-in with ANZ and take a confident step toward your financial future. ANZ New Zealand Investments Limited is the issuer and manager of ANZ's KiwiSaver schemes. See advice statement, scheme guides and product disclosure statements at anz.co.nz. See omnystudio.com/listener for privacy information.

Chris Luxon is standing firm on his opposition to a capital gains tax. A New Zealand Herald-Kantar Poll shows New Zealanders are evenly split on Labour's proposal for a tax on gains on commercial and investment properties. Opposition is strongest in Auckland, while support for the CGT is stronger in every other region. The Prime Minister told Mike Hosking Labour's proposal is ultimately a bad idea, that will harm businesses and leave everyone's KiwiSaver worse off. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Retirement Commission's calling on leaders to strengthen our retirement income system while we can. It's retirement income policy review's found a longer-term political focus is needed to ensure future generations' certainty. It makes 12 recommendations, from moving more quickly to implement Kiwisaver reforms to harder strategies such as a new cross-party accord. Commissioner Jane Wrightson says this issue should be thought about holistically. She says we have time to make changes, adding there will be a million people over 65 by 2029, and 1.5-million by the 2050s. LISTEN ABOVESee omnystudio.com/listener for privacy information.

New Zealand's Retirement Commissioner is calling for changes to KiwiSaver to ensure the scheme does not leave anyone behind. Jane Wrightson spoke to Ingrid Hipkiss.

On the podcast, Duncan reacts sharply to the explosive IPCA report, saying senior police in New Zealand engaged in outright corruption and a blatant cover-up of Jevon McSkimming's behaviour, leaving public trust shattered. He calls for prosecutions, compensation, and a full clean-out of Police HQ. Duncan then switches gears, interviewing Max Rashbrooke about compulsory KiwiSaver for kids and why early saving could transform New Zealand's financial future. Learn more about your ad choices. Visit megaphone.fm/adchoices

One NZ-based think tank is floating the idea of KiwiSaver schemes for kids, claiming it could set them up with $10,000-$20,000 in savings by the time they reach adulthood. The Institute for Democratic and Economic Analysis has put out a report proposing different models, including a kickstart Government payment and matching parental contributions. Max Rashbrooke, co-founder of the Institute for Democratic and Economic Engagement Analysis, says it could make a significant difference. "Obviously, the Government's moving to make financial literacy a compulsory part of the curriculum, we think that's an excellent idea - but how much more meaningful would that financial literacy education be in high school classes if every child in that class knows they've got a KiwiSaver account that's accumulating?" LISTEN ABOVESee omnystudio.com/listener for privacy information.

Tonight on The Huddle, Brigitte Morton from Franks Ogilvie and former mayor of Auckland Phil Goff joined in on a discussion about the following issues of the day - and more! Is it in the public interest to pursue charges against the woman at the centre of the McSkimming saga? She's charged under the Harmful Digital Communications Act for sending emails to the detective who arrested her. What do we make of all this? David Seymour has blamed the teachers' strikes on a drop in school attendance last term? Was this out of line on his part? A think tank is floating the idea of KiwiSaver schemes for kids, claiming it could set them up with $10,000-$20,000 in savings by the time they reach adulthood. Do we think this is a good idea? LISTEN ABOVESee omnystudio.com/listener for privacy information.

New research released this morning has set out the benefit of a Kids Kiwisaver scheme, where all children would automatically be enrolled at birth. Max Rashbrooke, co-founder for the Institute for Democratic and Economic Engagement Analysis spoke to Ingrid Hipkiss.

Send Us A Message! Let us know what you think.Topic #1:  Good  Returns 3rd of November- Market recovery signals consistent with interest rate fallsTopic #2: NZ Financial Adviser 5th of November - Auckland housing market steadies as listings rise and confidence growsTopic #3: RNZ 6th of November- 'People learning to manipulate the system': Call for KiwiSaver hardship withdrawal changesTopic #4: Oneroof 4th of November - SBS quietly offers ‘crazy' home loan rates of 3.99% - lowest in four yearsTopic #5: Realestate.co.nz 6th of November - Kiwis paying more at the supermarket, but less on rent#KiwiSaver #HardshipWithdrawal #KiwiSaverNews #RetirementFunds #FinancialPlanning #MoneyMatters #FinancialLiteracy #FinancePodcast #MoneyTalks #WealthTips #SmartMoneyMoves #NZFinance #FinanceDebate #FinancialAwareness #InvestingInNZ #KiwiSaverReform #PersonalFinanceSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Some KiwiSaver providers say hardship withdrawals are definitely being made for the wrong reasons. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Half a billion dollars of investments, from KiwiSaver and other funds out of New Zealand, are going into Government bonds of countries with poor human rights records. That is according to a new report published by Motu Research this morning. Researchers there used the Human Rights Measurement Initiative, which ranks countries based on economic, civil and political rights residents have and portfolio data from KiwiSaver and other retail funds - to identify how much money New Zealanders were investing in sovereign bonds of so-called 'high alert' countries. These countries include China, Israel, Saudi Arabia and Qatar because of their low scores in safety from the state, civic freedoms and rights to things like education, food, health and housing. Lead author and economist at Motu Research Anne-Marie Brook says ethical investing has typically had minimal human rights data and this is the first comprehensive look at how much New Zealand investment is going into sovereign bonds of countries with dubious human rights' records.

New research shows half a billion dollars of New Zealanders' money in KiwiSaver and other retail investments has been lent to countries on 'high alert' for human rights violations. The paper written by Motu Research uses data from Mindful Money, an independent charity which aims to provide transparency for kiwis on where their money is invested. Co-CEO of Mindful Money, Barry Coates spoke to Ingrid Hipkiss.

Tonight, on The Panel, Wallace Chapman is joined by panellists Jo McCarroll and Allan Blackman   First up, Kiwisaver hardship withdrawls have gone through the roof, rising 22.5% in a year. What's going on? David Callanan from Public Trust explains. Then, volunteer teams have leapt into the clean up of recent storms in the South Island, but one organisation says there isn't enough funding supporting such groups. Taskforce Kiwi director Richard Adams explains.  

Are you on track to be a KiwiSaver millionaire? It's likely that most young people joining the scheme will get to that threshold. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Retirement isn't about luck - it's about planning, action, and time.In this live webinar, James and Justin break down what Kiwis really need to retire comfortably - from understanding how much you'll need for a $100K annual income, to paying off your mortgage faster, leveraging property and shares, and building a financial plan that actually works.Next Steps:Ready to see what your retirement number looks like? Book a free 30-minute discovery call with Lighthouse Financial to start your personalised plan today.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

What if your KiwiSaver balance could double - just by removing tax?In this episode, we explore the radical idea of untaxed KiwiSaver returns, comparing outcomes to Australia's super system, breaking down the numbers, and debating what it could mean for retirement, government revenue, and the future of NZ Super.Next Steps: Not sure if your KiwiSaver is set up for success? Book a free 30-minute session with a Lighthouse KiwiSaver adviser and make sure your money is working for your future.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.