Smart Money
Smart Money is a personal finance podcast from Newstalk ZB that helps listeners make sense of their finances. It covers topics like debt, investments, mortgage rates, savings, and retirement planning. Industry experts provide tips on goal-setting and managing money effectively.
Episodes
Martin Hawes: Is a flexible Superannuation scheme worth it?
Earlier this week, an interesting proposal was made to shake up the way we use Superannuation. A report from Chartered Accountants Australia and New Zealand indicates a flexible choice of when people can start receiving NZ Super could improve affordability. Would this be worth it? And who should be considering this as an option? Financial Author Martin Hawes joins Tim Beveridge on Smart Money to d
Nick Crawford: How do you talk to your spouse about money?
One of the first lessons mum and dad teach you is "it's rude to talk about money". But when it comes to family life, it's important to be open about financial matters with your spouse. And in the workplace, talking about wages is often the way to make sure you're getting the same treatment as everyone else. So how do you go about it? How do you break the taboo? Managing Director a
Janet Xuccoa: Managing Director for NZ Family Trust Services on what assets should be in a trust
Trusts are no doubt a complicated thing. There's a lot of moving parts, a lot of different parties involved, and most will be close to the Settlor, which can create it's own problems. So should you be thinking about getting a trust set up for your family? Managing Director for NZ Family Trust Services Janet Xuccoa joins Tim Beveridge to discuss when you should think about a trust, and w
Hamish Pepper: What's the reasoning behind RBNZ's decision to hike the OCR?
The RBNZ recently hiked the OCR from 2.25% to 2.5%, and experts are expecting around another 1% of hikes over the next year, as managing inflation risks take priority over the weaker economy. But when will our economy start turning around? Hamish Pepper from Harbour Asset Management joins Tim Beveridge to discuss. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Amanda Morrall: Does AI play a role in personal finance?
The Cost of Living Crisis has driven a lot of Kiwis to look for financial advice, and many turn to AI over a financial advisor. But is AI really that reliable as a source of financial advice? And investing in AI seems to be the thing to do at the moment, is it somethng you should be getting in to or watching with caution? Money Coach Amanda Morrall joins Tim Beveridge on Smart Money to discuss.&nb
Rupert Carlyon: What's the first step for wanna-be investors?
When the cost of living crisis is driving your day-to-day costs up, putting money in to a Kiwisaver might not seem appealing. But is it still important to keep the flow of money in to Kiwisaver going? And what do you do when you want to get started investing in an index fund? Founder and Managing director of Koura wealth Rupert Carlyon joins Tim Beveridge for Smart Money to discuss. LI
Andrew Bascand & Sue Walker: Harbour Asset Management Co-CEO and Harbour Asset Management Senior Manager discuss energy payments
Electricity and money go hand-in-hand. Every house needs power, and everything costs money. So how do you balance the two in the midst of a Cost of Living Crisis? And what should you keep an eye out for that might impact the number on your energy bills? Harbour Asset Management Co-CEO Andrew Bascand & Harbour Asset Management Senior Manager Sue Walker join Tim Beveridge on Smart Money.&n
Sharon Chandra: Prenups can be challenged
More than 7800 divorces were granted last year, with nearly 6000 underage children seeing their parents split - that's about 8 divorces for every 1000 marriages. Looking deeper, about 5 percent of marriages end in 5 years, 15 percent end within 10, and more than a third dissolve within 25 years. With marriage numbers already declining, and the cost-of-living crisis still biting, how does a c
Sylvie Thrush-Marsh: What should you keep an eye out for in your employment contract?
Everyone has an employment contract, but what should you be aware of when presented with a new one? Some key parts that you'd think are a given may also be missing, so what shoud you make sure you have? MyHR's Chief Evangelist Sylvie Thrush-Marsh joins Tim Beveridge to answer your employment questions. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Amanda Morrall: Don't pounce on every good deal you see
With Property becoming less of the golden-goose egg we've made it out to be, people are focusing more on how else they can be financially stable - and with that stability, comes being disciplined with your money - and keeping your spending affairs in order. But how can we do that with loyalty programmes encouraging us to save? and mid-year sales going around? How do we keep our eyes on the long-te
Nathan Stanners: The pros and cons of National's compulsory Kiwisaver policy
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.
Janet Xuccoa: Your list of trustees has to be tight and reputable
Earlier this year, a Christchurch businessman was found borrowing millions of dollars against his family trusts for his clothing company - racking up a $3-million dollar spend. His sister prompted legal action, and two homes had to be sold as collateral. But that brings up a question - what can we leave behind for our children and family that won't just be squandered or swindled? Trusts and inheri
Nick Crawford: Households will have to anticipate higher cost-of-living pressures
This week's budget announcement had a focus on sorting out the books, and no straight sugar hits for individuals.Infrastructure, healthcare and education seemed to be the clear priority of our fiscal plan, but three relief for the cost-of-living pressure many face. Along with that, council rates have gone up for Auckland and the South Island's West Coast, and the Reserve Bank's signall
Amanda Morrall: What does it really take to retire in 2026?
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
Martin Hawes: Should the govt fund your retirement?
The age of retirement is back in the forefront of news this week after a report from the OECD recommended means testing the age of eligibility for NZ Super or risk an unsustainable rise in public debt. The agency says New Zealand's ageing population will continue to become a prevalent issue as the government tries to pull the economy out of the red. But some finance experts say we shou
Nathan Stanners: Don't get too caught up with checking your KiwiSaver balance
All investment accounts are a bit touch and go at the moment. If you're checking your KiwiSaver more than a few times a year, the amount of movement could really start to get to your head. But for those close to or at retirement age, or about to withdraw for whatever reason - a volatile market can make all the difference. LISTEN ABOVESee omnystudio.com/listener for privacy inform
Sharon Chandra: You can't DIY a divorce
Divorce is still one of those taboo topics we tend to avoid, but up to 40% of marriages end that way here in New Zealand, so it's probably about time we become a bit more comfortable with it. It's not always a hostile end, some couples are even able to "DIY" their split in a sense - but is that really a good idea? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Janet Xuccoa: Most people should really have a trust
We often think of trusts as a way to protect your assets, especially if you work in certain fields - but a surprising number of regular families use them for a range of reasons. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Andrew Bascand: Iran conflict impacts more than just gas prices
The hot topic on everyone's minds right now is the price of petrol and diesel. It seems to be impacting the price of just about everything else, and we're staring down the barrel of a major risk of high inflation. The OCR remains steady for now, but it's only a matter of time before interest rates are on the up once again. LISTEN ABOVESee omnystudio.com/listener for privacy infor
Amanda Morrall: Saving money with rising costs
Prices are going up. Food prices are up, and will keep going up alongside fuel. Practically any goods that travel by land air or ocean to get to you will become increasingly unaffordable for the foreseeable future. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Rupert Carlyon: Global tension? Ignore your KiwiSaver
Tensions are high for everyone right now, and I know most people will either be nervously checking their KiwiSaver balance on the daily, or completely ignoring it until things calm down a bit. The most repeated advice advisors will be giving right now is to simply ignore your balance for the time being - that by the time the first bomb dropped, it was too late to change anything. But is that
Chris Wilson: KiwiSaver changes need some tweaking
From April 1st, the KiwiSaver minimum default contribution rate will move up to 3.5%. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Nick Crawford: The mistakes people make with a windfall
We've all found ourselves day dreaming about where we'd spend a big Lotto win at one point or another. Realistically, many of us will come into a major windfall - but it's likely to come in the form of a bonus at work, or an inheritance. Is it okay to buy a new car and go on holiday? Or should we invest it all? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Martin Hawes: Are you losing money on ethical investing?
Ethical investing seems to be a hot topic when it comes to choosing an investment fund or KiwiSaver provider. I've often heard providers boast that their fund is ethical - they avoid weapons manufacturers, focus on renewable and sustainable energy - you won't feel a possible sense of guilt around where your money is going. LISTEN ABOVESee omnystudio.com/listener for privacy information
Shane Solly: Spots of recovery in the economy
We've started to see spots of what looks to be recovery in our economy over recent months. It's not consistent, but it's frequent enough to give us some hope for the year to come. Westpac is picking a whole lot of OCR hikes from the end of this year, and other forecasts seem to set a similar scene - a better economy is coming, and rates will have to reflect that when the time comes.&nb
Janet Xuccoa: Where do trusts fit in to aged care funding?
Growing older is expensive - much more expensive than most people realise. When you or a loved one either decides to move into aged care or is forced to do so, the Ministry of Social Development will quickly swoop in to flip through all their finances. Any assets, gifted funds, trusts, even living rent free - it's all looked at and impacts their chances of government-subsidised care.&n
Sharon Chandra: You could be essentially married without even realising it
Relationships cost money. It's not just about date nights at expensive restaurants, fancy shoes, or a new watch for Valentine's Day. It's moving in together, splitting the power bill, signing on to the rent. At what point in the relationship should you join your finances, and how should you go about it? Then there's the other side of the relationship - the part no one tends to pl
Martin Hawes: When does life insurance stop being worth it?
As you get older, your health becomes more and more of a worry, so life insurance seems like a no-brainer. But is it? Do you really need it after the mortgage is paid and the kids are on their own? And what policies are must-haves, against ones that are just nice to have? Financial Author Martin Hawes joins Tim Beveridge to give his insurance advice and explain the pros and cons of different
Todd Charteris: "Let's not let perfect get in the way of better"
Confidence in New Zealand's rural sector has really started recovering over the past year or so. Stabilising interest rates, great dairy results, and promising meat exports have formed a foundation for what will hopefully be a successful 2026. Confidence dropped slightly in the last quarter of last year, but it's still much higher than it has been over previous years. LISTEN ABOV
Jannet Xuccoa: When's the right time for a trust?
Often trust have been seen to be province of the uber wealthy. But are they? And often people don't think about this issue until it is too late So when should we think about these issues - our family. inheritances and what's gonna happen to our money when we aren't around to look after it? Managing Director for New Zealand Family Trust Services Limited Janet Xuccoa joins Tim Beveridge to give her
Andrew Bascand: We've seen the bottom of the rate cycle
Last week the Reserve Bank dropped the OCR 25 basis points to 2.25%, but their tone was a bit more hawkish than usual. Some analysts are thinking it's a signal that rates have gone as low as the RBNZ is willing to drop them - and the new Governor may be wanting to turn a new leaf in 2026. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Lisa Dudson: Is it time to fix long term?
We got another OCR cut this week - now down to 2.25% - the lowest it's been since June of 2022. That was the last one for the year, so a lot of us mortgage holders are trying to figure out whether things are slowing down, and if it's time to fix for a longer term this time around. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Martin Hawes: Higher earners increasingly seeking budgeting help
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 eno
Rupert Carlyon: Take a breath before you touch that windfall
Most of us have spent the past few days daydreaming about what we would spend $55 million on. Pay off the mortgage, book a holiday, send some off to charity, throw the rest in a term deposit. Three lucky punters each one a share of the jackpot last night - $18.3 million each. Not many of us will have the chance to come across tens of millions in our lives, but most of us will at some p
Hamish Pepper: The NZ economy is finally recovering
The Reserve Bank shocked a lot of us last month when it cut the OCR by 50 basis points down to 2.5%. Analysts have said that the RBNZ was reading the room and giving kiwis a much needed breather after years of high rates. Early signs are showing it's starting to have an effect - with the GDP estimate for the September quarter pointing to 0.6% growth and many banks forecasting an optimistic r
Max Whitehead: Be careful when placing a complaint with HR
Dame Noeline Taurua was stood down as the coach of the Silver Ferns in September due to 'significant issues' in the team. After many public statements and interviews, she was reinstated at the end of last month. Netball NZ, her employer, remained just vague enough that the public could allow their imaginations to run wild about what had happened. Andrew Bayly, MP for Port Waikato, resi
Janet Xuccoa: What's the point of a trust?
Trusts are hardly mentioned outside of when wealth tax is in the news, or when someone mentions their accountant told them to get one. One side of the political aisle seems to have a good list of reasons as to why someone would need a trust, while the other side seems to be convinced that essentially the only reason anyone would have one would be to hide assets. So what is the real purpose o
Amanda Morrall: There's more to life besides money
An interesting report came out this week about budgets: the average household spending has only gone up two dollars a week since 2023. 50-percent of respondents said they're actively seeking out discounts and promotions - and 30-percent downgrade brands. It's one thing to be spending less on non-essentials, eating less, or wearing cheaper clothes, but sometimes that can chip away at our mental hea
Martin Hawes: Does a new Reserve Bank governor even matter?
A new governor has been appointed for the Reserve Bank of New Zealand - all the way from Sweden. Dr Anna Breman has already received criticism from economists who find themselves concerned that someone with such little knowledge of the New Zealand economy will hold such a high stakes position. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Hamish Pepper: Forecasts rise for OCR after GDP shrinks
The economy had a worse than expected drop in the June quarter, shrinking 0.9%. Finance Minister Nicola Willis has blamed it on global turmoil, but the Reserve Bank of New Zealand says there's a need to provide more stimulus to the economy by cutting the OCR. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Rupert Carlyon: KiwiSaver is unaffordable as it is
Last week, New Zealand First leader Winston Peters announced plans to campaign for compulsory KiwiSaver at the next election, and increase the minimum contribution from 4% to 12%. He said there would be tax cuts alongside these changes to help fund the increase in contributions. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Max Whitehead: Is it always the squeaky wheel that gets the oil?
There are two different types of employees - one who stays low profile, gets what they need to get done, done, and goes home. Then there's the other, who complains about anything they feel inconveniences them. Is it true that the squeaky wheel get the grease? Or is this a great way to get yourself ruled out when it comes to opportunities and promotions? LISTEN ABOVESee omnystudio.com/l
Shamubeel Eaqub: Reconsidering which insurance you use
It's no secret that the cost of living has gone a bit crazy these past few years, but insurance seems to be one of the hardest hit. Insurance prices have increased 900% since 2000 - almost triple the increase of tobacco products. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Andrew Bascand: The OCR won't solve anything
The OCR got another cut this week, now down to 3%. While there have been questions for a while around whether banks are passing the cuts down to consumers, the real question is whether the cuts will actually solve anything at all. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Janet Xuccoa: You should be checking your will annually
Wills are some of the most painstaking things you need to do as an adult. They remind you of your mortality, and of all the familial issues you may have had throughout the years. But they must be done - so how can you write an airtight will? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Simon Brown: Financial literacy is invaluable
Most New Zealanders consider themselves only “average” with money. In fact, a new study from Partners Life finds less than a quarter of New Zealanders rate their financial knowledge as "excellent". Nearly 60 percent find it tough to pay monthly expenses, and just over half reported stress or losing sleep due to money concerns. At the same time, many are reportedly using credit and afte
Amanda Morrall: Why is refinancing increasingly common?
The number of mortgage holders refinancing their loans is the highest ever recorded. More than 3,500 borrowers refinanced in June, and experts are expecting to see the trend continue through to the end of the year. Finance specialist Amanda Morrall joins Tim Beveridge for Smart Money. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Shane Solly: Is NZ ready for the global 'melt up'?
The Consumer Price Index over the June quarter was lower than expected at 2.7%, and it could mean a rate cut by the Reserve Bank next month. So is the New Zealand investment winter over? Shane Solly is a director at Harbour Asset Management and he joins Tim Beveridge for Smart Money. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Rupert Carlyon: We need to teach our kids about money
We all want our kids to do better than we did, and a major part of that is teaching them how to set themselves up financially. Founder and managing director at Koura Wealth, Rupert Carlyon, joins Tim Beveridge for Smart Money. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Hannah McQueen: The cheap, unnecessary purchases can cost thousands
The cost of living is crunching down again, as more than 30-thousand Kiwis reportedly moved abroad last year. Are there any more changes can people make to save money? What things can they afford to cut? Additionally, at what point do we look in the mirror and say the problem is our lack of personal discipline? "Financial Force of Nature", and Founder of financial strategy site joins Ti
Martin Hawes: Self-employed people will be hit hardest by KiwiSaver cuts
This week, the Government's KiwiSaver contribution was halved under budget changes. Employers will also have to fork out a mandatory 4% contribution to adjust for the deficit left by the Government's contibution. That bump's expected to stifle potential salary increases, and in turn, our retirement funds - leading many to question what changes we really need, and what we can do for ourselves, to s
Max Whitehead: Work impacts your happiness in life
New employment data reveals work-life balance is the top reason people leave their job. Additionally, more people are working past the retirement age. Are these new attitudes, or has it been growing? What's the workforce like today? Tim Beveridge speaks to Employment Relations Expert Max Whitehead... LISTEN ABOVESee omnystudio.com/listener for privacy information.
Hamish Pepper: The US dollar is weakening
Global conflict also affects trade and consumer spending. What uncertainties will appear, and how will markets respond to the US bombing Iran? Harbour Asset Management's Income and Currency Strategist Hamish Pepper talks to Tim Beveridge... LISTEN ABOVESee omnystudio.com/listener for privacy information.
Amanda Morrall: What makes someone good with money?
Some kids have a nack for saving, a piggy bank full of coins - while some never get it. So what is it that makes someone good with money? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Rupert Carlyon: "Investing can be extremely simple"
Tim Beveridge is joined by Koura Wealth founder, Rupert Carlyon, to discuss the inner workings of a KiwiSaver fund and how to best use KiwiSaver. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Todd Hammington: The secret to employee retention
Career progression is a significant thing to consider for most people - whether they could develop as much as they'd like at their current job, or if they would need to look elsewhere. So how can employers spot and support an employee who wants to progress? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Martin Hawes: "No incentive for self-employed people to join KiwiSaver"
The Government is increasing the default KiwiSaver contributions for employees and employers, while halving their own contributions. Employee and employer contributions will raise from 3% to 3.5%, while the Government's contributions will drop from $521.43 to $260.72. But should the Government be halving their input? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Janet Xuccoa: Trusts aren't just for the wealthy
A lot of people think trusts are only for the very wealthy, and absolutely useless for the every day person - but today's guest explains that's not the case. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Shamubeel Eaqub: We have to move toward he Australian retirement model
Research by Shamubeel Eaqub finds only 32% of New Zealanders are satisfied with their financial situation, compared to 60% of Australians. He finds higher wages and a more solid retirement plan relieves financial stress for Australians - but how can Kiwis take control of their finances to ease their worries? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Chris Di Leva: The markets aren't looking too bad
It's a tough time for the markets and the volatility has been hard to keep track of. The tariffs have obviously had an impact - but some experts say AI developments are also a contributor. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Max Whitehead: Why are Gen X so unhireable?
Just when they should be at their peak, older generations are being discriminated against for their age. Do we no longer value experience? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Lisa Dudson: Here's where your money is safest right now
While sweeping tariffs rock the global economy, it's hardly discussed how it will impact the everyday person. So, where is the safest place to put your money? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Amanda Morrall: Are you financially 'average' - and does it matter?
The average hourly wage is $42.57, the average annual salary is $88,500. The average home is worth $912,904, the average mortgage is $318,151. The average KiwiSaver is $37,079, depending on your age. But does it really matter if you stack up to the nations averages? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Andrew Bascand: You can be optimistic about where the economy is going
While the economy is looking up, the forecasts from economists aren't sending a clear message. Some are saying that even with a positive GDP result this week, we still have tough times ahead - while others say the state of global economics is an opportunity for growth in New Zealand. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Martin Hawes: Working after 65 isn't just good for your bank account...
Is it worth working after the age of 65? Or is it more of a need than a choice? Martin Hawes joins The Weekend Collective to discuss the finances of retirement. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Amanda Morrall: Stabilising your finances in unstable times
Amanda Morrall joins to discuss how you can stabilise your finances in the midst of an economy in turmoil. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Max Whitehead: Your CV's font could lose you the job
Tim was recently told about an employer who binned a young man's CV for using three different fonts. Max says it's not uncommon, and there are many small mistakes that will lose you the job. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Hamish Pepper: Don't act too quickly after OCR announcement
The Reserve Bank of New Zealand cut the OCR by another 50 basis points this week. Homeowners and hopeful buyers alike have been eagerly watching recent OCR announcements as interest rates continue to fall. But why aren't the banks following suit? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Martin Hawes: Mortgage arrears increase by 1,100 in December
New data from Centrix reveals that the number of homeowners behind on their mortgage increased by 1,100 in December alone. With the interest rates dropping significantly recently, why is it that homeowners are falling behind? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Nadine Higgins: Finding the path of least resistance
Humans are wired to find the path of least resistance - but how can that be done when it comes to your finances? LISTEN ABOVESee omnystudio.com/listener for privacy information.
Max Whitehead: Dust off that CV
With a fresh year, and a wobbly economy, it's always a good idea to dust off the old CV and sure it's up to date. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Amanda Morrall: "There's a big difference between theory and practice in finances"
With the cost of living relentlessly increasing year by year, Amanda Morrall joins Roman Travers to discuss how you can set yourself up for success in 2025, and how to boost your income outside of your base salary. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Martin Hawes: Is cash a good gift for the grandkids?
Martins Hawes joins Tim Beveridge to discuss whether cash is a good idea for Christmas gifts, and this week's disappointing GDP announcement. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Shane Solly: What are private assets and its investment characteristics?
The Ministry of Business, Innovation and Employment recently said that the Government is considering regulatory changes to enable KiwiSaver providers to increase private asset investments What does this mean KiwiSaver funds and how could it impact New Zealanders? Harbour Asset Management Director, Portfolio Manager & Research Analyst Shane Solly joins with more. LISTEN ABOVESee omn
Max Whitehead: What not to post on social media as an employee
Shortly after the new gang patch laws came into effect, police were seen in leaked pictures wearing confiscated patched vests. Leading into the silly season, what should you hold back on posting publicly that your management may see? Employment expert Max Whitehead joins with more. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Amanda Morrall: Changing bad spending habits
The world of spending tracking apps is vast - but it's questionable as to whether they're even necessary. Personal finance coach Amanda Morrall joins to discuss creating sustainable change to your spending habits. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Lisa Dudson: How to teach your kids about money
The most crucial time to teach your children about money is when they get their first jobs. Teaching good habits around money can be difficult - even more so if you weren't taught it yourself. Lisa Dudson joins to discuss different ways you can teach children how to deal with money. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Chris Di Leva: Investment markets after the U.S. election
Investment markets have recovered significantly over the past two years following a weak 2022. And, Donald Trump winning the U.S. election is bound to have impacts on New Zealand's markets and the U.S. dollar. Director and Head of Multi Asset & Global Investment at Harbour Asset Management, Chris Di Leva joins. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Martin Hawes: The impact of Trump's win on NZ markets
Martin Hawes joins Tim Beveridge to discuss the impact of Donald Trump's election win on New Zealand markets. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Max Whitehead: How do you ask for a raise?
Tim Beveridge is joined by employment relations practitioner Max Whitehead to answer all your employment questions. LISTEN ABOVESee omnystudio.com/listener for privacy information.
