Podcasts about KiwiSaver

The GDP numbers look good. The Strait of Hormuz is (maybe) open. To find out whether that means the green shoots will bloom into great bountiful gardens, we called in economist Shamubeel Eaqub to ask: Is this cause for optimism? Will the fruits of recovery be shared fairly? How does National's new KiwiSaver policy look to you? And just how close to the bulls**t is the Reserve Bank sailing on interest rates.Plus: Hayden Donnell tells us just How Good is the best of the crunchy peanut butter on NZ supermarket shelves.At Large with Toby Manhire is produced by Te Aihe Butler, Jin Fellet and The Spinoff. Read more at ⁠thespinoff.co.nz⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

It has begun automating some of its KiwiSaver hardship withdrawals, as applications reach record highs. 

Business leaders say workers could end up wearing the coast of National's planned KiwiSaver changes. If it's returned to power, the party would make the savings scheme compulsory, automatically enrol babies, pay a contribution to people on parental leave, and extend employer contributions to include workers over 65 years old. Political reporter Lauren Crimp has more. 

The Salvation army is criticising National's plans for compulsory KiwiSaver, saying "if people are struggling today to meet the basics, we can't expect them to save for tomorrow. National wants to make KiwiSaver compulsary with workers paying six percent of their income into the scheme and employers matching it by April 2032.

Lara Greaves phones in for political commentary, to chat about National's Kiwisaver policy, the Green's Tax Policy, and coalition tensions. Whakarongo mai nei!

RNZ's Political Editor Jo Moir spoke to Ingrid Hipkiss.

The National Party has outlined numerous changes to KiwiSaver they would enact if re-elected. National's finance spokesperson Nicola Willis spoke to John Campbell.

Weekly interview with opposition leader, Chris Hipkins; Nicola Willis answers listeners questions on KiwiSaver policy; BBC's Rob Watson discusses Starmer's resignation, Mayors call for cross-party support over bed tax; Author compiles Southern Hemisphere's greatest novels

Generate Kiwisaver's Nathan Stanners joins Tim Beveridge to chat National's compulsory Kiwisaver policy - and whether it's a good policy for the our retirement savings pool. They also talk how your risk profile should change the closer your get to retirement. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Greens are back-pedalling on their tax policies, but are they still dreaming? We dive into the wealth tax reality, the sudden push for compulsory KiwiSaver, and why our public service seems to be actively working against government plans. Duncan, Ani, and Ashley break down the major ideological battles dominating New Zealand right now. Learn more about your ad choices. Visit megaphone.fm/adchoices

Green Party Co-Leader Marama Davidson joins us live to discuss the Green's election year tax policy released over the weekend.Luxon revealed another election promise at National's annual conference in Wellington on Sunday, with KiwiSaver changes that include auto enrolling babies with a $1500 starting boost. NZ First have called them out for stealing their homework.Helen Clark reacts the election policies released over the weekend, and whether they go far enough to address NZ's long list of current and future problems.++++++++++++++++++++Like us on Facebook.com/BigHairyNetwork Follow us on Twitter.com/@bighairynetworkFollowing us on TikTok.com/@bighairynetworkSupport us on Patreon www.patreon.com/c/BigHairyNewsCheck out our merch https://bhn.nz/shop/Donate to our work https://bhn.nz/shop/donation/

One major theme has emerged for this year’s election... money. Two parties at the weekend launched ideas to get the country’s finances in order and future-proof our economy for generations to come. National held its annual party conference in high spirits, despite a polling support slide since the last election. They announced policy that would make KiwiSaver compulsory, raise minimum contributions, and require employers pay for staff over 65. On the other hand, the Greens are focusing on taxing the rich, imposing a levy on the four big banks, and taxing offshore profits earned by tech giants. NZ Herald chief political reporter Jamie Ensor is with us to break it all down.See omnystudio.com/listener for privacy information.

The Financial Services Council is backing National's KiwiSaver overhaul, saying it'll boost long-term savings. Plans include lifting contribution rates to 12%, making the scheme compulsory, and enrolling Kiwis at birth with a $1500 kickstart — plus extending support for parents and over-65s. Financial Services Council Chief Executive Kirk Hope joins Kerre Woodham to discuss the changes, and the effect it will have on Kiwis going forward. LISTEN ABOVESee omnystudio.com/listener for privacy information.

In this episode of Economy Made Simple, Shamubeel Eaqub chats with journalist, author and personal finance expert Susan Edmunds about KiwiSaver, the questions New Zealanders are asking, and why getting the basics right still matters.Susan has just written a book about KiwiSaver, based on the questions people regularly ask her - from choosing the right fund and contribution rate, to hardship withdrawals, first-home access, fees, self-employment, and what happens once people reach retirement.Together, Shamubeel and Susan discuss how KiwiSaver has changed over the past almost 20 years, why it's no longer just a retirement savings scheme, and where the system could be improved to better support women, lower-income earners, the self-employed, and people over 65.This episode coversThe most common KiwiSaver questions Susan gets from New ZealandersWhy it's important to check your fund type, contribution rate and provider settingsHow KiwiSaver is being used for retirement, first homes and hardship withdrawalsThe impact of total remuneration and why employer contributions matterWhy women, carers and lower-income earners can fall behind in KiwiSaverThe challenges KiwiSaver creates for self-employed peopleWhat retirees need to think about when turning savings into incomeFees, fund performance and how to compare providersHow KiwiSaver could be improved in the futureTune in for a practical and thoughtful conversation about how KiwiSaver has shaped New Zealanders' savings habits, what people still need help understanding, and how the scheme could evolve to deliver better outcomes for more Kiwis.Please note: This episode was recorded before National announced their new KiwiSaver policy plans.---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.

FIRST WITH YESTERDAY'S NEWS (highlights from Monday on Newstalk ZB) And Spare Us the Details/Don't Worry About Policies That Will Never Happen/Arguments For and Against Pitch InvasionsSee omnystudio.com/listener for privacy information.

There's one thing I like about the National Party's KiwiSaver announcement. And there's one thing I don't like.Let's start with the good bit. Making it compulsory for everyone to have a KiwiSaver account. It's amazed me how we say in one breath how critical it is for Kiwis to be saving for their retirement and then, in the second breath, tell people they only have to do it if they want. Which is like saying to people, what would you prefer? Getting your hands on every last cent of your pay right now? Or would you prefer to have some of it taken away and locked up in a KiwiSaver account? It's just like those TV shows where they tell kids they can have one lolly now or two lollies in five minutes. Most of them go for instant gratification. And that's how a lot of people are with KiwiSaver. But, if it was compulsory, they wouldn't have a choice.Which is why I'm a big fan of this part of what National announced yesterday. The other bit, though. I'm not keen on. This is where National wants employers to be forced to make KiwiSaver contributions for people working beyond the retirement age. At the moment it's voluntary. National wants that to change that. And says, if re-elected, it will make it compulsory for employers to continue making KiwiSaver contributions for staff who work past the age of 65.I'm not a fan. For several reasons. For starters, the retirement age is 65. And, until that changes, employers shouldn't be forced to pay into people's KiwiSaver if they decide to keep working beyond the retirement age. Another reason I'm not a fan, is that someone over the age of 65 who is still working is not only getting their wages or salary, but they're also getting the NZ Super pension from the government. And, looking at it from the perspective of employers, if National makes it compulsory for everyone to have a KiwiSaver account - as I think it should - that, on its own, will be an extra cost for businesses and organisations.This from a party that claims to be on the side of businesses. I also see it backfiring on the people themselves who don't want to stop working at 65. Because employers will be way less inclined to keep them on if they know they're going to be forced to keep paying into the KiwiSaver accounts of these older workers. Which would be a shame. Because no one can argue that people still have a lot to offer beyond the age of 65.But surely a wage or salary and the NZ Super pension is enough, without forcing employers to throw more money into their KiwiSaver accounts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Weekly interview with Prime Minister, Christopher Luxon; Chloe Swarbrick discusses Green Party's new tax policy; National has announced changes to KiwiSaver at its AGM; Poll finds strong opposition to selling conservation land; Supply issues continue to hit pharmacies

National will make KiwiSaver compulsory for all and automatically enrol babies, putting $1500 in their accounts as a kickstart payment. Business leader Fraser Whineray spoke to John Campbell.

The National Party announced major changes to KiwiSaver at the party's annual conference in Wellington over the weekend. Political reporter Lillian Hanly reports.

KiwiSaver has been back in the spotlight this weekend, thanks to National announcing its plan to make the scheme compulsory and increase contribution rates. It also wants employers to continue to contribute to employees who are older than 65, and plans to offer kids a kickstart. Money correspondent Susan Edmunds has been talking to providers about what it might mean and spoke to Ingrid Hipkiss.

Are you on track for retirement, or falling behind?In this episode, James and Mike break down the latest KiwiSaver balances by age, discuss why the average retirement balance may not be enough, explore the growing KiwiSaver gender gap, compare top and bottom-performing funds, and explain the key decisions that could add hundreds of thousands of dollars to your retirement savings.Next Steps: Want to know if your KiwiSaver is working hard enough for you? Book a free KiwiSaver review with the Lighthouse Financial team 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.

National's Kiwisaver promise could help address a gender savings gap. The party is committing to raise minimum contributions and make employers contribute for staff over 65, if re-elected in November. It would also make Kiwisaver compulsory - promising a $1500 boost for every newborn. Milford Asset Management's General Manager of KiwiSaver, Murray Harris told Mike Hosking that staff on paid parental leave will also get contributions. He says on average female balances are 25% lower than male, because they usually raise the children and miss out on contributions. LISTEN ABOVESee omnystudio.com/listener for privacy information.

On the Early Edition with Ryan Bridge Full Show Podcast Monday the 22nd of June 2026, National wants to make KiwiSaver compulsory for all workers from 2028, if re-elected Financial Services Council Chief Executive Kirk Hope shares his thoughts. Business Correspondent Vicky Pryce has the latest on Europe intent on reducing China content in imports and production, Oil prices dropping after the US/Iran peace deal and Inflation stable in the UK, and interest rates stayed unchanged. PWC tax partner Sandy Lau shares her thoughts on the Green Party's wealth tax policy. Plus, UK/Europe Correspondent Gavin Grey has the latest on the UK PM urged to resign by colleagues to ensure a bloodless leadership battle he seems certain to lose and a major rail line connecting London to the north faces disruption for the whole week following a fatal train crash at the weekend. Get the Early Edition Full Show Podcast every weekday on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Send Us A Message! Let us know what you think.First-home buyers are quietly rewriting the rules of the New Zealand property market. Despite a flat wider economy, a record 75% of first-home buyer purchases this year are standalone houses—the highest level since 2020.But as the market continues to fragment, we are seeing a fascinating regional split. While Auckland and Wellington face slower movements, areas like Southland, Taranaki, and Otago are showing surprising resilience. Meanwhile, mortgage arrears are falling, but financial hardship applications are spiking—pointing to a deeper credit squeeze on middle-aged Kiwis.In this episode of the Week in Review, Debbie Roberts (Financial Adviser at Property Apprentice) breaks down the five critical economic shifts shaping your property choices right now.

What can a World War I fighter pilot teach you about investing? The Red Baron built his success on discipline, structure, and stacking the odds in his favour, but lost everything in a single moment of emotion. In this episode, Tim and Nick explore how investors face the same temptations, and why diversification, low costs, liquidity, and rebalancing matter most when markets feel easy. Tune in for a powerful reminder that the biggest risk to your wealth is not the market, it is your behaviour.(00:01:43) Nick's fascination with the Red Baron and personal connection(00:04:16) Core combat rules: stacking odds and disciplined decision making(00:08:26) Psychological edge: the significance of the red plane(00:11:51) Investing parallel: diversification as numerical superiority(00:13:07) Fees, liquidity, and the impact of cost on returns(00:15:03) Rebalancing and managing behavioural bias(00:17:09) Facing market downturns with discipline, not emotion(00:20:47) What led to the Red Baron's downfall(00:23:53) Lessons from his downfall: abandoning proven principles(00:25:17) Final lessons for investors: avoid overconfidence and stick to principlesNick Stewart (Ngāi Tahu, Ngāti Huirapa, Ngāti Māmoe, Ngāti Waitaha) 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 visiting our website, www.stewartgroup.co.nz Hosted on Acast. See acast.com/privacy for more information.

In this quick bite, political writer and researcher Max Rashbrooke explores the growing pressure on New Zealand's retirement system, the case for means testing, and why changing NZ Super could become one of the country's most politically challenging debates. This clip is from our previous episode 'Are kids the key to a better KiwiSaver?' For more places to follow Shared Lunch—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—can be found on our website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. 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.See omnystudio.com/listener for privacy information.

International trade used to be a subject reserved for farmers and exporters. Most of us rarely thought about it as long as the cars kept coming and the shelves were stocked at the supermarket. The system seemed to work. But recent years have shown how quickly tariffs, supply chain disruptions and geopolitical tensions can affect prices, jobs, KiwiSaver balances and economic security. Dr Chad Bown, former chief economist at the U.S. State Department under President Biden, says trade is no longer just about imports and exports, it's about who gets to shape the future. Together with Financial Times columnist Soumaya Keynes, he's co-written a book in layman's terms about modern trade called How to Win a Trade War: An Optimistic Guide to an Anxious Global Economy.

Retirement can feel like something to worry about “later” - especially when you're in your 20s or 30s. But every decade comes with opportunities to improve your financial future.In this episode of Money Made Simple, Jennie and Liv talk about what retirement planning looks like at different ages and stages of life. From making the most of KiwiSaver early on, to checking whether you're on track in your 40s and 50s, to thinking about how you'll actually use your savings in retirement, this episode is all about practical steps you can take now - whatever age you are.In this episode, we cover:Why retirement planning matters at every ageHow money can create choices, independence and dignity later in lifeThe important role KiwiSaver can play in helping New Zealanders save for their retirementThe power of compounding returns, especially in your 20s and 30sHow to make sure you're getting the most from KiwiSaver, including contributing regularly, maximising the benefits and choosing the right fund for you (at the right time)What to review in your 40s and 50s, especially as your life priorities changeHow to think about the lifestyle you want in retirement - and what it might costWhat to consider in your 60s as you move from saving to spendingRetirement isn't just about accumulating money - it's about independence, security and having choices later in life. And no matter your age, there is almost always something you can do to improve your future. The key takeaways are - start early if you can (but don't panic if you haven't), check your KiwiSaver settings regularly, take time to think about the retirement you actually want and make small adjustments as your life changes.Resources mentioned in this episode:Simplicity KiwiSaver Fund SelectorSimplicity KiwiSaver calculatorsSimplicity Future Projection Tool — available to members only in the Simplicity member app Sorted retirement calculator and guidesMassey University New Zealand Retirement Expenditure Guidelines 2025MMS podcast on Compounding Returns - The Money Makes Money episode Resource we should have mentioned but didn't (opps): Simplicity Retirement Decumulation Tool (it helps you plan how to withdraw funds to ensure your nest egg lasts for your retirement years) available to members in the Simplicity member app.---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.

Mary Holm talks to Jesse about KiwiSaver and the increasing calls to make changes so the scheme doesn't leave people behind. Go to this episode on rnz.co.nz for more details

Let's talk about your money now personal finance expert Mary Holm is with Jesse to discuss whether KiwiSaver is leaving people behind.

KiwiSaver is one of the most important financial tools available to New Zealanders, but many people still aren't sure if they're making the most of it. 

As the retirement debate heats up ahead of the general election, we’re talking to Max Rashbrooke, a political writer and researcher, and Matt McPherson, the head of Sharesies KiwiSaver. With the launch of the Sharesies Kids contribution, we explore the power of compounding interest to renew our national savings and revive home ownership hopes—and why the current system could leave nearly half of us facing a retirement below the poverty line. Hear proposals to improve all of our futures, from making employer contributions mandatory to enrolment at birth, and how putting 100 ordinary New Zealanders in a room could provide a new pathway to answers. For more places to follow Shared Lunch—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—can be found on our website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. 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.See omnystudio.com/listener for privacy information.

Now, I can't imagine Labour's woken up feeling awesome this morning about how that reset is going. What do you think? This is a reset – you do realise that. After months of saying nothing, having no new policy and generating headlines for Ayesha Verrall singing weird songs about ducks, they started this week with a classic reset move. They got themselves a story in the Herald on Monday, claiming Nicola Willis tried to hide secret spending in the Budget. Then they followed it up really quickly with a list announcement, unveiling the policeman candidate. And then tomorrow they were supposed to have their big, substantive policy announcement – something they haven't done in months. It was meant to be this run of good news. Unfortunately for them, it's gone a little bit pear-shaped, hasn't it? The “secret money” has turned out to actually just be an accounting provision. The list announcement got derailed by Greg O'Connor taking a crack at them. Then the new guy for one of the Māori seats revealed there's some tax relief policy coming – which he wasn't supposed to say. Then Chippy got busted for using his government KiwiSaver to buy a bach, and the policeman didn't tell his bosses early enough that he was off to join the Labour Party. All of this is not a good look for Labour, because they can hardly expect to convince voters they're ready to govern if they can't even get 24 hours' worth of announcements to go to plan without being derailed by four or five different issues. But to be fair to Labour, the last 24–48 hours is really not the end of the world. A lot of this is pretty beltway stuff – at least the parts involving the policeman are. In five months' time, when the election rolls around, no one but the biggest political nerds in this country will remember any of it. Five months gives them plenty of time to fix all of this, but they really do have to get on and fix it, because this is the same problem, just repeated – the same problem as the Ayesha Verrall duck-song situation. It looks like a party unable to get its act together and just do one thing properly. See omnystudio.com/listener for privacy information.

Labour leader Chris Hipkins has defended using a generous publicly funded private superannuation scheme to pay off the mortgage of his family holiday home. Hipkins confirmed he pays the maximum contribution, but he also contributes to KiwiSaver, meaning the full amount of contribution will not be paid towards the super scheme that owns his home. MPs are allowed to direct these savings into private superannuation funds, which Hipkins has done. Newstalk ZB senior political correspondent Barry Soper explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Hank Harris is a Limited Partner in Ego Death Capital, and co-owner of TheBitcoinShop.nz.Check out https://sovereigntysummit.nz/If you want to take greater control of what your KiwiSaver invests in, and if forms of 'sound money' are important to you also, then reach out. Book my free 15-minute discovery call Sign up to the fortnightly newsletter!Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.Affiliate Links!The Bitcoin Adviser: Plan for intergenerational digital wealth.Hatch: For US markets.Revolut: For a new type of banking.Sharesies: For local, and international markets.Loan My Coins: Bitcoin lending product.Exodus: Get rewards on your first $2,500 of swapsGet Social:Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn, or subscribe on Substack.www.radicalinvestment.co.nz________________________Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

The degree debate is changing.In this episode, James and Mike break down the real numbers behind trades versus degrees, comparing income, student debt, house deposits, KiwiSaver balances, graduate job opportunities, the impact of AI on future careers, and whether university is still the best path to building long-term wealth.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.

Send Us A Message! Let us know what you think.In this week's Property Apprentice Week in Review, Debbie Roberts unpacks the biggest economic, property, and personal finance stories shaping New Zealand.This episode covers the key announcements from Budget 2026, the Reserve Bank's closely watched OCR decision, new data showing nearly half of first-home buyers are entering the market with less than a 20% deposit, the growing pressure on rental affordability, and what recent KiwiSaver statistics reveal about wealth-building across different age groups.Whether you're a property investor, homeowner, landlord, first-home buyer, or simply interested in New Zealand's economic outlook, this episode provides practical insights to help you make more informed financial decisions.Topics discussed:• Budget 2026 and public sector workforce reductions• Regional investment opportunities emerging from government spending• OCR outlook and mortgage rate implications• First-home buyer lending trends• Rental affordability and housing supply pressures• KiwiSaver balances by age and gender• Long-term wealth creation through property investmentProperty Apprentice helps everyday New Zealanders build wealth through informed property investment decisions, independent education, and expert guidance.Learn more at www.propertyapprentice.co.nzSupport the showDisclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.*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.

A major KiwiSaver provider says about half of its members so far have not contributed enough to get the full Government tax credit into their accounts this year. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Almost 40% of the S&P 500 index fund sits in just 10 stocks. Yet, low cost, passive index funds are often marketed as a way to invest in many things at once.9 of the 10 companies are directly exposed to the AI-thematic - something that may, or may not be a bubble, depending on who you listen to.They say the performance of actively managed funds, after fee, rarely outperform passive funds. So, does that mean we should park our intellect at the door?Chris Hestelow, Investment Specialist at Allan Gray*, talks to me about the 'Passive vs Active' debate, AI concentration risks in index funds, and reflexivity/dynamic feedback loops that distort true price discovery in markets.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!*I may recommend Allan Gray funds in the course of providing KiwiSaver or investment advice. Thank You Swyftx: With over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx.Provincia: Whether you're looking to invest, or you have a commercial property that needs better management - they the true one-stop shop for wholesale industrial investors. Check out Provincia.co.nz for more.Affiliate Links!The Bitcoin Adviser: Plan for intergenerational digital wealth.Hatch: For US markets.Revolut: For a new type of banking.Sharesies: For local, and international markets.Loan My Coins: Bitcoin lending product.Exodus: Get rewards on your first $2,500 of swapsGet Social:Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.www.radicalinvestment.co.nz________________________Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Money correspondent Susan Edmunds looks at data showing some of our biggest providers haven't been delivering the highest returns.

KiwiSaver providers are welcoming changes in this year's Budget but say the Government won't be able to duck the super issue forever. Changes were made to the foreign investment fund rules but widely rumoured changes to the KiwiSaver scheme didn't happen. Money correspondent Susan Edmunds spoke to John Campbell.

It's a day of talking numbers .. we wanted to get our personal finance whizz Mary Holm's take on KiwiSaver announcements in today's Budget, but there weren't any that we could see .. do with that what you will.  Fortunately Mary has spent some of her week at the Retirement Commission conference which has given her lots of things to discuss with Jesse. .

Cracks are appearing in people's retirement nest eggs, with more people taking money out of Kiwisaver on hardship groups. A new Consumer NZ survey, shows 16% of Kiwisaver members either made a hardship withdrawal, or suspended payments in the past year. According to Consumer's figures withdrawals have gone up three percent over the past two years. Consumer NZ CEO, John Duffy spoke to Lisa Owen.

Money correspondent Susan Edmunds looks at new data showing the average KiwiSaver balance is growing - and more people are amassing quite significant investments. But it also shows there is a group of people being left behind.

Retirement is the time most people dream of, the days where you no longer need to work or study, and you can enjoy a slow and simple life. But what does it actually take to retire? And, when Super is under threat, and the only stable thing about the global economic climate is its instability, can we rely on the pension being there when we're ready to retire? Author of Money Matters Amanda Morrall chats to Tim Beveridge about how much money you really need to retire. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Buying back the Bank of New Zealand and making KiwiSaver enrolment compulsory at birth are among the commitments New Zealand First is making to voters this election. New Zealand First leader spoke to John Campbell.

Most Kiwis are heading towards retirement with far less than they think they need. The difference between struggling in retirement and living comfortably often comes down to just a few KiwiSaver decisions.In this episode, we break down the real factors that can dramatically change your retirement outcome, including KiwiSaver fund selection, contribution rates, provider performance, NZ Super concerns, the risks of switching funds at the wrong time, why most Kiwis are underprepared for retirement, and how consistent long-term investing could mean the difference between retiring with a few hundred thousand dollars or several million.Next Steps: If you're unsure whether your KiwiSaver is actually set up to support the retirement you want, speak with the Lighthouse KiwiSaver team today for a free KiwiSaver review.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 OECD wants us to change the way we tax KiwiSaver. While KiwiSaver providers say it would be a way to give us better outcomes, not everyone is convinced. Money correspondent Susan Edmunds spoke to John Campbell.

What do you do when your accountant brain knows the numbers, your life blows up anyway, and the answer turns out to be halfway around the world in a weird little movement called FIRE? We head to New Zealand to talk with Bronwyn Candish, a chartered accountant, community builder, and one of the clearest Kiwi voices in financial independence movement. She talks to us about starting over after divorce, rebuilding from the middle, and discovering that "doing money right" has a lot less to do with credentials than with courage, alignment, and actually taking action. This episode covers: Growing up with scarcity in New Zealand and how that shaped Bronwyn's money mindset Why being an accountant did not automatically make her good with money Lifestyle creep, overbuying on housing, and drifting into paycheck-to-paycheck living Divorce as a financial wake-up call in her late 30s How Bronwyn found FIRE through a random article and went deep down the rabbit hole The role of KiwiSaver, housing, and DIY culture in the New Zealand version of FI  Why community and accountability matter so much on the journey How Bronwyn turned her accounting practice into a FIRE-adjacent coaching space The creation of Black Friday and the growth of the Kiwi FIRE community  What it looks like to be "mid-journey" and still deeply love the path . === SUPPORT  THE  SHOW ===

LDV Big Truss Tuesday Today we go inside the industries BIGGEST secrets, exposed and brought to us by Shifters themselves!... Some of these will shock you!... Be careful what you say in the McDonalds drive through!... Billy from Sharesies joins us on the show to talk to us about KiwiSaver and the exciting changes and offers up for grab, this is for our Sharesies Money Moment!... Stay tuned for Our Weekly Whanau Feedback! You still have time to be in the next installment so get those comments down below for a chance to be a part of the show! We hope you had a safe long weekend!... Hit that link below to stay caught up with anything and everything TMS: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.facebook.com/groups/3394787437503676/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ We dropped some merch! Use TMS for 10% off. Here is the link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youknowclothing.com/search?q=tms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Thank you to the team at Chemist Warehouse for helping us keep the lights on, here at The Morning Shift: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.chemistwarehouse.co.nz/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 00:00 - Intro 3:10 - Check In 6:26 - Daily Bread 15:46 - Industry Secrets! 39:14 - Sharesies Money Moment - KiwiSaver 50:18 - Final Words 51:02 - Outro Learn more about your ad choices. Visit megaphone.fm/adchoices