POPULARITY
156 episodes with wealth plan
118 episodes with wealth plan
3 episodes with wealth plan
2 episodes with wealth plan
2 episodes with wealth plan
2 episodes with wealth plan
3 episodes with wealth plan
2 episodes with wealth plan
2 episodes with wealth plan
India is on the cusp of a major demographic shift. By 2047–2050, nearly one in five Indians will be over the age of 60, making retirement planning a national priority rather than a personal choice. In this exclusive conversation, C. Sivasubramaniam Raman, Chairman, PFRDA, discusses why Indians need to "grow rich before they grow old" and how the National Pension System (NPS) is evolving to meet the needs of a changing workforce. From the power of long-term compounding and retirement discipline to innovations like NPS Swasthya, digital onboarding, support for gig workers, and the future of pension reforms, the discussion explores how India's pension ecosystem is being reimagined for the decades ahead.
Key Topics Covered: 1. Trading as a Wealth-Building Skill Why trading should be viewed as a skill rather than a shortcut to wealth. How education and consistency lay the foundations for long-term success. 2. Trading vs Investing Understanding the difference between trading and traditional buy-and-hold investing. Why both approaches can play complementary roles in a wealth-building strategy. 3. Managing Risk Before Chasing Returns How disciplined risk management helps protect trading capital. Why successful traders focus on controlling losses as much as generating profits. 4. Building Confidence Through Process How following a proven trading strategy removes emotion from decision-making. Why consistency often delivers better results than trying to predict the market. 5. Trading in Just 30 Minutes a Day How swing trading can fit around a busy lifestyle. Why effective trading isn't about constantly watching the markets. 6. The Importance of Trading Psychology Why emotional control, patience and discipline are essential for long-term success. How mindset influences every trading decision. 7. Using Trading to Accelerate Wealth Building How trading can generate capital that can be reinvested into other assets. Why diversification remains a key principle of building lasting wealth. 8. Passing on Financial Skills to the Next Generation Why teaching financial skills can be just as valuable as passing on financial assets. How developing knowledge today can create opportunities for future generations. Actionable Takeaways: Treat trading as a skill that requires education, practice and discipline. Focus on managing risk before thinking about potential returns. Develop a structured trading process and stick to it consistently. Avoid emotional decision-making by following proven rules and strategies. Consider how trading could complement your broader wealth-building plan alongside property, business and pensions. Invest in financial education that helps you build confidence before committing significant capital. Remember that long-term wealth is built through consistency, not speculation. Successful trading isn't about chasing quick wins. It's about following a proven process, controlling your emotions, managing risk, and using those skills to build wealth that lasts. Resources: WealthBuilders - Build, protect and transfer your wealth STARTrading - Trade safe. Invest smart. Grow together. The STARTrading Podcast Lewis Crompton's Instagram WealthBuilders Membership: Free access to guides, webinars, and community Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!
Watch the full episode on our YouTube channel: youtube.com/@mreapodcastAfter selling 78 homes in one year, Coby Socher was burned out. He had helped buyers, sellers, and investors build wealth, but he had also nearly spent everything he earned. As his family began to grow, he knew he needed a new plan, so he decided to become the buyer.In this episode, we break down the 30-year plan Coby built to reach a $250 million net worth. He shows us how to choose an investment target, study the market, set clear profit standards, and turn active income into assets that can grow over time.Coby also shares how he built a steady flow of investment opportunities through other real estate agents. After posting roughly 4,000 pieces of content, more than 85% of his investment leads now come through social media and agent relationships. His model has produced more than $5 million in net income over five years, and he is already 1.2 years ahead of his wealth plan.Tune in to learn how to make cash, buy assets and build a real estate business that funds the life you want.Resources:The Socher TeamSpeedy OffersOrder the Millionaire Real Estate Agent Playbook | Volume 3Connect with Jason:LinkedinProduced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.WARNING! You must comply with the TCPA and any other federal, state or local laws, including for B2B calls and texts. Never call or text a number on any Do Not Call list, and do not use an autodialer or artificial voice or prerecorded messages without proper consent. Contact your attorney to ensure your compliance.
Jim Love covers four major technology stories shaping the future of AI, investing, and digital society. A new Verasight survey finds growing public support for stronger AI regulation and Senator Bernie Sanders' proposed American AI Sovereign Wealth Fund Act, including a one-time 50% stock tax on the largest AI companies to create an estimated $7 trillion public wealth fund. New York becomes the first U.S. state to pause new hyperscale AI data center approvals while it develops new environmental and energy rules, reflecting growing grassroots resistance to massive AI infrastructure projects in North America and beyond. The episode also examines the sharp decline in SpaceX shares following their IPO, along with major losses for IBM and Oracle, asking whether investors are beginning to rethink the enormous cost of the AI buildout. Finally, a Fortune report reveals a striking trend among technology's biggest names. Many of the people who built today's digital world—including Peter Thiel, Bill Gates, Steve Jobs, Evan Spiegel, and even Mark Zuckerberg—have chosen to limit their own children's exposure to smartphones and social media. Timestamps 00:00 Headlines and Intro 00:40 AI Wealth Fund Push 02:36 Oversight and Trust Gap 05:37 New York Data Center Moratorium 06:22 Global Pushback on AI Buildouts 07:55 SpaceX Slides After IPO 08:51 IBM, Oracle and the AI Investment Question 10:24 Why Tech Leaders Limit Their Kids' Screen Time 12:24 Wrap Up and Support the Show Topics Covered AI regulation Bernie Sanders AI Sovereign Wealth Fund OpenAI Anthropic Artificial Intelligence New York data center moratorium AI data centers SpaceX stock IBM earnings Oracle stock Larry Ellison Nvidia AI investing Social media and children Peter Thiel Bill Gates Mark Zuckerberg Technology news Tech podcast Hashtag Trending
1. Why Cash Isn't Always Safe Why holding too much cash can quietly reduce purchasing power over time. How inflation can become one of the biggest threats to long-term wealth. 2. Finding the Right Balance Between Liquidity and Growth How much cash investors should realistically hold in a portfolio. Why balancing liquidity with long-term growth is essential for financial resilience. 3. Alternative Ways to Protect Capital Understanding money market funds and their role in wealth preservation. How these can offer flexibility, liquidity and attractive returns compared to traditional cash holdings. 4. The Role of Gilts in a Balanced Portfolio Why government bonds still play an important role in portfolio protection. How gilts can help provide stability during periods of market volatility. 5. Why Diversification Matters More Than Ever How spreading wealth across multiple asset classes reduces risk. Why diversification remains one of the most effective strategies in uncertain markets. 6. Building Your Portfolio the Right Way Why most investors build portfolios in the wrong order. The importance of creating strong foundations before pursuing higher-risk opportunities. 7. Understanding the GPI Framework and Taking Control of Your Wealth How Growth, Protection and Income work together in a well-structured portfolio. Why balancing all three creates a more resilient long-term strategy. How understanding fees, income strategies like options, and financial education can help you take greater control of your wealth and pass it on effectively to the next generation. Actionable Takeaways: Review how much cash you're currently holding and whether it's working hard enough for you Assess whether your portfolio is truly diversified across multiple asset classes Audit all investment-related fees across pensions, platforms and fund managers Build your portfolio from the ground up—start with strong foundations before adding speculative investments Focus on balancing growth, protection and income in your overall strategy Explore ways to create additional income streams from existing assets Start involving your family in wealth conversations to build long-term financial confidence and capability Building wealth isn't about chasing the next big opportunity. It's about creating a clear strategy, staying disciplined, and making intentional decisions that serve both your present and your future. Resources: WealthBuilders - Build, protect and transfer your wealth Invest Like A Pro - Invest with clarity: Growth, diversification and income Invest Like A Pro Podcast WealthBuilders Membership: Free access to guides, webinars, and community Download our FREE Pensions and Inheritance Tax Guide Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!
House prices are flat. Listings are piling up. Thousands of Kiwis are moving to Australia.So… why would anyone invest in New Zealand property right now?In this episode, Ed and Andrew tackle the 5 biggest arguments against investing in NZ property in 2026. You'll learn:5 reasons NOT to invest in NZ property in 2026 The counter-argument for each reason ...So that you can make the right call for youGood investment decisions don't come from hearing only one side. The smartest investors understand both the risks and the opportunities… then decide what makes sense for their own goals and situation.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Thomas and Joanne own 6 properties, 10 tenancies, and a $4 million portfolio – all built while working full-time. In this Case Study Sunday, they share how they built a portfolio centred entirely in Levin, why they've continued buying in the same town for nearly a decade, and what they've learned along the way. You'll learn: How this couple built a $4 million property portfolio What they do with the $250,000 of rental income they get each year Their hardest won property learning... and what you can learn Perhaps the most interesting part? Even with Levin house prices down around 25% from their peak, Thomas and Joanne aren't worried – Their focus has always been on the long game.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Renovating a property can make you a fortune.It can also go spectacularly wrong.In this episode, Ed and Andrew share 4 real renovation horror stories from New Zealand investors.You'll learn:Renovations gone wrong... and how much they can cost you The $120K bathroom blowout How one investor made $200 grand over Christmas with a Stanley knifeThe common thread? Most renovation disasters don't come from bad luck. They start with small decisions that seem reasonable at the time... until the costs begin to stack up.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Interest rates fall. House prices rise. At least, that's what everyone says.But if that's true, why have New Zealand house prices barely moved after the OCR fell from 5.5% to 2.25%?In this episode, Ed and Andrew unpack the relationship between interest rates and property prices... and explain why the market hasn't behaved the way many expected.You'll learn:How much do house prices go up when interest rates go down How interest rates impact how much the bank will let you borrow Why have interest rates fell 3% recently, yet house prices have barely movedAnd here's the catch: lower interest rates help, but they're only one piece of the puzzle.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Two New Zealand banks want to join forces and take on the Aussie giants.In this episode, Ed and Andrew unpack Heartland Bank's proposed $620 million acquisition of TSB – what it means for competition in the banking sector and why some people in Taranaki aren't convinced it's a good idea. You'll learn:The $620m merger is shaking up NZ banking Will more competition mean lower mortgage interest rates? What it means for you if you're a TSB or Heartland Bank customerThe real question? Is this the start of a stronger New Zealand-owned competitor in banking... or simply two smaller players combining forces without changing much for everyday borrowers?Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
More than Money with Garry Thurman: Health should be part of your Wealth Plan! More than Money with Garry Thurman on The Nooga Podcast Network A podcast about family, health, and living - oh, and money! ===== THANK YOU TO OUR SPONSORS: (Welcome to our NEW sponsor) Signal Investigations: https://www.signalpi.com/ Nutrition World: https://nutritionw.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ The Barn Nursery: https://www.barnnursery.com/ Optimize U Chattanooga: https://optimizeunow.com/chattanooga/ Guardian Investment Advisors: https://giaplantoday.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com/ Our House Studio: https://ourhousestudiosinc.com/ Team Montieth Real Estate - Lori Montieth: https://www.findchattanoogarealestate.com/ Ballinger and Associates - Risk Management: https://ballingerandassociates.com/ AirSpace Acoustics: https://www.airspaceacoustics.com/ BWELL4EVER: Labs and IV Therapies: https://www.bwell4ever.org/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at "How to earn $100k passive income in 15 years (through property)"In this podcast you'll learn:How to build your planWhat sort of properties suit your planAnd how to retire rich at 55Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at "5 houses in 5 years: How many can I actually buy?"In this podcast you'll learn:How many properties can you buy?How the bank decides whether to give you moneyAnd the free tool that tells you what to do nextDon't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Bitcoin, gold, shares, property… what would you actually invest in right now?In this episode, Ed and Andrew react to Andrew's viral “skip or invest” takes – breaking down 9 different investments and explaining the reasoning behind each call. You'll learn: Which investments would Andrew skip Where he'd still put money today The big differences between assets like gold (store of wealth) vs true investmentsThere's no one-size-fits-all answer. What Andrew would invest in depends on his goals, experience, and risk tolerance – and yours might be completely different. Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
He turned $550k into $830k in 9 months… then bought a $1.4M lifestyle block before turning 30.In this Case Study Sunday, Jacob shares how he and his partner built significant equity early – and the big decision he's facing now: flip houses or build a long-term rental portfolio? You'll learn: How they bought a $1.4M property while still in their 20s The real trade-offs between flipping vs buying rentals A simple way to decide which strategy actually fits your situation The “best” strategy isn't the one that sounds exciting – it's the one you can realistically execute. Whether it's flipping or building a portfolio, your time, risk tolerance, and stage of life matter just as much as the numbers.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Thousands of dollars… paid for “lifetime” coaching. Then the company shuts down overnight.In this episode, Ed and Andrew break down what happened when a property investment company abruptly closed – and what it means for investors who thought they were signing up for support that would last decades. You'll learn: What to do if you paid for “lifetime” coaching... and it suddenly disappears Why “lifetime” promises often mean the lifetime of the company, not you Your real options – from Disputes Tribunal claims to Commerce Commission complaintsThe key takeaway? If a promise sounds too good to be true, it probably is.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Yesterday, we talked about what happens when you miss a mortgage repayment. Today, let's talk about how to avoid getting into that situation in the first place – by choosing the right mortgage broker.In this episode, Ed and Andrew break down the top mortgage brokers in New Zealand, what makes each one different, and why using the right adviser can dramatically improve your chances of getting (and keeping) a good loan. You'll learn: The 10 mortgage brokers across NZ What a mortgage broker actually does How much does a mortgage broker really costThe key takeaway? Get the right advice early, and you're far less likely to end up in a position where the bank starts calling.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Miss one mortgage payment… what actually happens next?In this episode, Ed and Andrew walk through the exact step-by-step process banks follow when you stop paying your mortgage – from the first missed payment all the way to a mortgagee sale. You'll learn: The 7-step process banks follow How long does it really take before a home is sold Why one default could put your entire property portfolio at riskThe key takeaway? Missing one payment isn't the end of the world – but ignoring it is. The earlier you act, the more options you have. And in tomorrow's episode, we'll talk about how choosing the right mortgage broker can help you set things up properly from the start.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Which Auckland suburbs are actually worth investing in right now… and which ones should you avoid?In this episode, Ed and Andrew rank 15 Auckland suburbs from best to worst using real data ... and some of the results might surprise (or annoy) you. You'll learn: The top-tier suburbs (S & A) investors should be looking at right now The common traits of high-performing areas – and why some expensive suburbs rank poorly When a “bad” suburb could still be a great investment with the right propertyThe key takeaway? It's not about picking the “best” suburb, it's actually about knowing where to start looking. Great investors don't chase hype or prestige… they follow the numbers, spot emerging areas, and find the right deal within them.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
At one point, his mortgage repayments were equal to his entire weekly income… and he still made it work.In this Case Study Sunday, Mitchell shares how he built, sold, and reinvested his way through tough cashflow years.You'll learn: How Mitchell turned a $500k house build into an $850k sale What it's like when your mortgage equals 100% of your income Why is he now shifting strategy The key takeaway? You don't need a perfect start – but you do need to adapt, learn from mistakes, and build a strategy that actually works for your life.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Most Kiwis think property should “pay for itself”… but what if it doesn't?In this episode, Ed and Andrew break down what negative gearing actually means, why many properties cost you money each week, and whether that still makes them a good investment. You'll learn: What negative gearing really is – and why most investors misunderstand it The 6 key reasons your rent might not cover your costs (even if the deal looks good) How you can still make money from a property that loses cash each weekThe big idea? Negative gearing isn't good or bad, it's just part of the trade-offs in property investing. Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Finding a tenant isn't hard… finding a good tenant is.In this episode, Ed and Andrew walk through the exact 5-step process used by professional property managers to find, screen, and select reliable tenants ... without gatekeeping anything. You'll learn:The 5-step system to attract and choose quality tenantsThe red flags and screening tools that most DIY landlords missWhat you can and can't legally ask tenants in New ZealandThis episode breaks down a practical, step-by-step approach so you can avoid bad tenants, protect your property, and make smarter decisions, whether you self-manage or use a property manager.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Want to know what actually works in house flipping in 2026 – from someone who's been doing it since 1999?In this episode, Ed and Andrew sit down with Steve Goodey to break down the flipping strategies that still stack up, the mistakes that kill your margin, and why this is not a beginner strategy.You'll learn:How to flip houses in 2026 The strategies that still work (and the ones that don't) The one rule this investor lives by after 27 years of trading property.The big theme of this episode: protect your margin, stay disciplined, and don't let lifestyle creep eat the wealth you worked so hard to create.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Most people think retirement spending is a straight line… but it's not.In this episode, Ed and Andrew break down the three stages of retirement – the Go-Go, Slow-Go, and No-Go years – and why understanding this simple framework could dramatically change how much you actually need to retire. You'll learn:The 3 stages of retirement Why retirees typically spend 15–40% less over time ... and what NZ data showsHow this one insight could reduce your required retirement savings by over $200kThe big idea? You don't spend the same amount forever ... but you still need a plan that reflects reality, not a straight line.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Two investors. Same property. Same numbers. One pays $0 in tax… the other pays $3,400 a year. What's the difference?In this episode, Ed and Andrew break down what property investors in New Zealand can actually claim as tax deductions, and how missing just a few key items could cost you thousands. You'll learn:The most commonly claimed deductions How a simple document could save you up to $16,500 in tax over timeWhat you can't claim ... including the costly mistakes investors often makeThis episode breaks it down simply so you can stop overpaying taxes and make sure your property is working as efficiently as it should.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Do house prices actually change when there's an election… or is that just something investors tell themselves?In this episode, Ed breaks down what really happens in the property market around elections ... and the results might surprise you. You'll learn:Why property sales typically drop by ~10% before an election What actually happens to house prices (hint: it's not what most people think)What it means for property investorsThe key insight? Elections don't really move house prices… but they do change behaviour. The opportunity isn't about timing the election result – it's about acting while everyone else is sitting on their hands.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
They bought in a “rough” street no one else wanted… got burgled… had a tenant deliberately flood their rental… and faced a cancer diagnosis — all while building a property portfolio.In this Case Study Sunday, Broc and Abi from Whangārei share how they kept going through some of the toughest setbacks, and what they've learned along the way. You'll learn:How this couple built a property portfolio anyway How a cancer diagnosis reshaped their approach to money, risk, and priorities How buying in a “rough” street became a cashflow-positive winThis episode is a raw look at what real investing looks like when life doesn't go to plan ... and why sticking with the long game can still pay off.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Not all property developers are created equal… and when the market gets tough, some start cutting corners.In this episode, Ed and Andrew reveal the real red flags they've seen from developers – from misleading numbers to legal grey areas – and how investors can protect themselves when buying off the plans. You'll learn: The 6 biggest red flags that should make you walk away from a developer The sales tactics that cross the line How to protect yourself legally and financially before signing a deal Most developers are doing the right thing… but the small number who aren't can cost you tens (or hundreds) of thousands. Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
If you've got $600,000 to invest… should you buy a property or a business?In this episode, Ed and Andrew break down the real numbers behind both options – from deposits and interest rates to returns, risk and repayment timeframes – so you can decide which path fits your goals.You'll learn:How to decide whether to buy a property or a business Which makes you earn more money The strategy that the wealthiest people secretly useThe conclusion? It's not property versus business. The smartest investors build income through business and then lock in long-term wealth through property – using each for what it does best.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Most Kiwis think the goal is simple: buy a house, pay it off, and you'll be financially secure. But that strategy can leave many people “Broke Rich.” You'll learn:The #1 money mistake many Kiwis make The three traps that turn homeowners into “Broke Rich”What you can do instead to build wealth that actually supports your lifestyleEd and Andrew break down why many Kiwis end up asset-rich but cash-poor ... and how using equity to build income-producing investments can create far more flexibility later in life.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Most women think building wealth requires making more money.It doesn't.In this episode, Brittney breaks down how she mapped out a $26 million retirement pathway for a woman in debt — without relying on massive income increases.Because wealth isn't built through income.It's built through architecture. In This Episode:• How a woman with $75K debt can build a $26M future• Why more income isn't the solution to financial stress• The truth about debt — and how to recalibrate it• When assets stop being a blessing and become a burden• The power of compounding and long-term investing• Why most women are financially reactive, not strategic• The difference between manifesting money vs building wealth• How Divine Design determines how you generate and hold moneyFigure out your path to wealth with average return of 9.2% here: https://moneysmart.gov.au/budgeting/compound-interest-calculatorWant to build your empire? You don't need another strategy.You need your blueprint.Inside SOL AI, you'll see exactly:how your money is meant to movehow your wealth is meant to be builtand why it hasn't stabilised yetGo run your design: https://portal.brittneyvangestel.com/sol-ai-2142
Is $100k enough to retire? What about $250k, $500k… or even $1 million?In this episode, Ed and Andrew run the numbers on what different retirement balances actually buy you – assuming a mortgage-free couple both receiving NZ Super.You'll learn:What lifestyle $100k, $250k, $500k and $1M can realistically fund in retirementThe three spending stages of retirementThe single factor that changes the maths more than anything elseThe biggest variable isn't your KiwiSaver balance, it's whether you own your home outright. That one factor can make or break your retirement maths.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
How do you build a 4-property portfolio by your late 30s… when you started with a lifestyle block and made a bunch of it up as you went?In this Case Study Sunday, Ed and Andrew sit down with Adam and Nicole from Ashburton, to unpack how they went from their first home build to three rentals, and the money mindset shift that changed how they play the game.You'll learn:What they'd do differently if they could start investing againHow they used bank pre-approval + a tiny Ashburton market to buy a rentalThe key mindset changeIf you've been trying to do everything yourself – or you're torn between “pay off the mortgage fast” and “buy the next property” – this episode will help you see how real investors balance both.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Most people think non-bank lenders are just the “last resort.” But some of their loan products are surprisingly creative ... and can unlock deals that banks simply won't touch.In this episode, Ed and Andrew break down some of the most interesting non-bank loan products available to Kiwi borrowers today.You'll learn:The 5 most creative non-bank loan products and who they're actually designed forWhat non-bank lending really costs How these loans help investors, developers, and self-employed borrowers This episode explores the tools banks don't offer, and explains when they might actually make sense for property investors.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
What actually breaks in a rental, and what does it really cost?In this episode, Ed and Andrew walk through a rental property room by room to show what landlords actually end up fixing ... and the real NZ dollar figures behind it.You'll learn:The most common things that break in kitchens, bathrooms, bedrooms and outsideHow much maintenance really costsWhy some years cost nothing, and others cost $8,000The key takeaway? Maintenance isn't constant ... it's lumpy. The smart move is to budget for it every year so the surprises don't derail your returns.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
War in the Middle East might feel far away ... but it could still affect the interest rate on your mortgage.In this episode, Ed and Andrew break down what the conflict involving Iran means for global oil prices, inflation, and the future of interest rates in New Zealand. You'll learn:How the Iranian war impacts the cost of your mortgage Could interest rates really rise How high the price of petrol could goThis episode explains how the ripple effect could influence the OCR, mortgage rates, and whether fixing your loan for longer terms might start to make more sense.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Property investors get called everything from “parasites” to “rent thieves.” But what do landlords actually contribute to New Zealand's economy?In this episode, Ed and Andrew interview Matt Ball from the NZ Property Investors Federation about new research that quantifies the real economic impact of property investors across the country. You'll learn:How much do property investors really contribute to the NZ economy How landlord spending on maintenance and new builds supports more than 126k jobs across the countryWhy property investment creates a “ripple effect” that touches almost every industryWhether you love property investors or hate them, this episode digs into the real data behind their economic impact ... and it challenges the common idea that landlords simply collect rent without contributing anything.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
How old is too old to buy a property?In this episode, Ed and Andrew break down what banks really think about age, and why turning 60 (or even 70) doesn't automatically mean you're out of the game.You'll learn:Why age isn't the real issue What it looks like for both buying your own home and an investment property Real scenarios showing what older Kiwis would need to get approvedThe short answer? Your 50s are absolutely not too late. Your early 60s can still work with the right structure. Late 60s and beyond gets harder ... but for the right borrower with a clear repayment strategy, it's not impossible.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
House prices are down 16% from the peak ... and even further once you adjust for inflation.So… is something broken?In this episode, Ed and Andrew unpack what's really going on in the NZ property market, and why a flat market isn't as unusual (or as scary) as it feels.You'll learn:Why flat property markets typically last 4 to 5 years between boomsHow affordability is quietly improving while prices go nowhereHow investors can still build wealth ... even if prices only rise with inflationAnd here's the key: even if prices only track inflation, leverage and debt reduction can still deliver strong returns. A flat headline doesn't mean a flat outcome – especially when you understand how the numbers actually work.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
She lost her first deposit. Fought a builder. Held land for 12 years. And still came back to property investing. In this Case Study Sunday episode, Sheryn joins the show from rural Greece to share the raw, honest story behind her investing journey and why she's now taking a mini-retirement in her 40s.You'll learn:The one major move that changed her money life How she's started her mini-retirement in her 40's The one true love in this investor's lifeThis is a grounded, honest look at resilience, reinvention, and what happens when you decide your time is worth more than just another pay cheque.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
How many houses can you actually buy?In this episode, Ed and Andrew run three real-life scenarios through a bank-style modelling tool to show what's genuinely possible ... and why most people either underestimate or overestimate their borrowing power.You'll learn:How many properties could an average Kiwi couple realistically buy over 15 years3 scenarios that show how big these Kiwis could grow their property portfolio How to figure out how many properties you could potentially buyThe key takeaway? It's not guesswork. With the right modelling and realistic assumptions, you can see exactly how many properties you could buy, when you could buy them, and what needs to change to move faster.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Are home buyers secretly breaking the Reserve Bank's rules?In this episode, Ed fact-checks Andrew and dives into the data to reveal just how many Kiwis are legally borrowing outside the standard deposit and debt-to-income limits.You'll learn:How many first home buyers are purchasing with less than a 20% depositThe real percentage of borrowers going above the 6x and 7x debt-to-income “limits”How to grow your portfolio faster … by working around the rulesThe key takeaway? The Reserve Bank sets speed limits, not brick walls. If you don't quite fit the “standard” criteria, it doesn't automatically mean no ... but it does mean you need to understand how the rules actually work.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Non-banks used to feel like a last resort.Not anymore.In this episode, Ed and Andrew break down when property investors actually use non-bank lenders ... and why they're more relevant in 2026 than they've been in years.You'll learn:How investors still buy property when the bank says noWhy non-bank lenders are becoming more competitive againThe 5 real situations where using a non-bank can make senseThe key isn't avoiding non-banks altogether – it's understanding your exit strategy before you sign anything.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Is New Zealand actually the easiest country in the world to buy property?In this episode, Ed and Andrew compare NZ's property system to the UK, Australia, France, and the US – and uncover why buying here is surprisingly simple.You'll learn:Why NZ is one of the easiest countries in the world to buy propertyThe unusual way our tax and agent system worksThe one thing that's really, really hard about buying property hereBy comparison, NZ's system is streamlined and predictable. But “easy to buy” doesn't mean “easy to afford.” While the process is simple, house prices relative to incomes remain one of the biggest hurdles ... and that's where the real challenge lies.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Can you use a student loan to pay down your investment property?In this episode, Ed and Andrew unpack a clever question from a listener who wondered whether she could borrow at 0% and use it to reduce mortgage debt.You'll learn:Whether it's actually legal to use student loan living costs to pay down a mortgageHow this strategy works at different income levels Which parts of a student loan you can – and can't – redirect toward investment debtAnd the real question isn't “Is it allowed?” ... it's whether it meaningfully moves the needle for your long-term wealth plan.Click this link if you want to book a free Wealth Plan meetingDon't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
What level of property investor are you?In this episode, Ed and Andrew break down the 7 levels of property investment – from complete beginner to mega landlord – and help you figure out exactly where you are (and what it takes to move up).You'll learn:The 7 stages of property investing ... and which one you're currently atHow many Kiwis reach each level What's holding investors back at each stageEd and Andrew share how rare the higher levels actually are. and why you might not even need to climb that far to reach your version of financial freedom.Because here's the key: the goal isn't to collect properties. It's about reaching your destination and then letting time do the heavy lifting.Click this link if you want to book a free Wealth Plan meetingDon't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Got all your properties with one bank? That could be a problem.In this episode, Ed and Andrew unpack cross-collateralisation – what it is, why banks love it, and the three biggest risks it creates for property investors.You'll learn:The 3 biggest risks of having all your properties secured with one bankWhat cross-collateralisation actually means (in plain English)Why property investors should cheat on their bankThey also explain split banking – why serious investors spread properties across multiple lenders – and how a dollar-for-dollar refinance can break the cross-security without increasing your loan.Click this link if you want to book a free Wealth Plan meetingDon't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Will you need to work until 72… or can you make retirement cheaper than you think?In this episode, Ed and Andrew unpack the retirement debate – from calls to raise the NZ Super age to surprising data showing many retirees might not need as much as they believe.You'll learn:The 4 ways to make your retirement significantly cheaper (or more expensive)The data showing retirement spending often falls over timeHow property investors use these levers to retire years earlierOnce you understand these four levers, you might realise you don't need as much as you thought – or you could retire sooner than planned.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
We bought a property together… and now we hate each other. It sounds dramatic, but it happens more often than you think.In this episode, Ed and Andrew unpack three real New Zealand cases where co-ownership went badly wrong — and the one document that could have prevented every single one.You'll learn:3 true stories of property partnerships that ended up in courtWhy doesn't the bank care who “stopped paying”The simple agreement that could save you years of stress If you're thinking about buying with a friend, sibling, partner, or even your in-laws – this episode is a must-listen before you sign anything.Because love is blind, but money isn't.Don't forget to create your free Opes+ account and Wealth Plan here.For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Jason details a comprehensive seven-year strategy for building significant wealth through direct investments in single-family rental properties. Jason emphasizes that real estate is a multi-dimensional asset class that generates returns through six distinct channels, including cash flow, appreciation, and tax benefits. A central concept highlighted is inflation-induced debt destruction, a process where rising prices effectively reduce the real value of mortgage debt over time. To ensure success, investors are encouraged to use conservative mathematical projections and maintain personal control over their assets rather than joining risky syndications. By utilizing specialized software and professional guidance, individuals can achieve compounded wealth growth that often remains hidden to those who only focus on surface-level metrics. Overall, Jason serves as a roadmap for achieving financial independence by treating income property as a leveraged buyout of a proven asset. Get your FREE https://propertytracker.com/ account today! Join our Empowered Community https://www.empoweredinvestor.com/ #IncomeProperty #CreatingWealthPlan #InflationInducedDebtDestruction #IIDD #LeveragedBuyout #PropertyTracker #MultiDimensionalAsset #ConservativeAssumptions #RefiTillYouDie #DirectInvesting #WealthCreation #AssetToPayTheDebt #EmpoweredInvestor #SingleFamilyHomes #CashFlow #MaintainControl #SixWaysToMakeMoney #BenchmarkingData #LBO #TheIceberg Key Takeaways: 0:00 Leverage buyout concept 5:16 Year 1 Changing numbers on the Pro Forma 17:45 Year 2 No closing costs 19:16 Year 3 Patience wins the game 22:14 Year 4 The real inflation rate 23:34 Year 5 Remember the ICEberg 24:27 Year 6 We're not even compounding 25:19 Year 7 Increasing maintenance cost 26:15 The BIG picture and actual money 31:45 The complete solution for real estate investors Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class: Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com
© 2020-2026 Ivy Podcast Discovery LLC
