Episódios
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In this episode of Money Made Simple, Liv sits down with Simplicity member Rugved Deshpande to share his real-life finance journey. From childhood savings jars and pocket money to index funds, KiwiSaver choices, and building wealth his own way. As a second-generation Indian Kiwi and management accountant, Rugved reflects on how his upbringing shaped his money mindset, and how that mindset has evolved over time to where he is at today. This episode covers:
Rugved’s early memories of money, shaped by his parents’ immigrant experience and a strong culture of saving vs investing
His transition from saving everything to building confidence with investingThe importance of routine and "payday automation" for budgeting and long-term investingWhy he switched KiwiSaver providers and how he feels about fund choice and contribution levels todayHis long-term financial goal of working by choice, not necessityWhy home ownership isn’t currently part of the big planThe three lessons he’d give his younger self when it comes to money
This episode explores how your background influences your money habits, why early investing doesn’t have to be perfect, and how small, consistent actions (like automated investing and setting goals) can quietly grow your financial future over time. We're so grateful to Rugved for taking the time to open up and chat with us!---
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Disclaimer: 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. -
In this episode of Economy Made Simple, Chief Economist Shamubeel Eaqub unpacks how government finances actually work – and why they matter to us all. From tax and spending to investment and debt, he breaks down the jargon we hear so often in political debates and media headlines, and explains how public finance is really just a larger version of household budgeting - with long-term consequences for our country's future. This episode covers:
Where New Zealand’s government revenue comes from, including income tax, GST and other smaller sourcesWhat our taxes pay for, from superannuation and healthcare to infrastructure and public servicesThe key difference between the govt's day-to-day spending and long-term investmentWhen government borrowing makes sense – and when it doesn’tWhy conversations about debt and deficits often confuse short-term costs with long-term valueThe trade-offs we face as a country: higher taxes vs fewer services, short-term fixes vs long-term gains
This episode aims to shed light on why and how debates about tax, spending and government borrowing affect everyone – and why no matter what’s promised, there are always trade-offs. Shamubeel explains how to cut through the noise, ask better questions, and understand the bigger picture behind political headlines.---
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Disclaimer: 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. -
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In this episode of Money Made Simple, Jennie and Liv dive into the not-so-sexy but super important topic of tax – specifically how it works inside your KiwiSaver.
Tax might not be everyone’s idea of a good time (trust us, we get it), but understanding the basics can make a big difference to how confident you feel about your KiwiSaver. Whether you've noticed your balance dropping in March, or you're just trying to figure out what a PIR is, this episode is for you.
This episode covers:
Where, when and how your KiwiSaver is taxedWhat PIE funds are (hint: nothing to do with food unfortunately) and how tax works inside themThe difference between how NZ and international investments are taxedWhy you still pay tax even when your fund has made a lossHow your Prescribed Investor Rate (PIR) affects your tax bill – and how to check it’s rightWhat happens when you move overseas or have a kids’ KiwiSaver fund or joint investment fundWhy paying more tax could actually be a good thing!Resources mentioned in this episode:
IRD’s PIR Calculator – work out your correct PIRSorted – online resource for financial planning tools and informationMoneyHub’s tax guide Canstar's blog – Is KiwiSaver Taxed?Simplicity’s tax FAQAt the time of year, tax is one of the most common topics our Investor Services team gets asked about – and for good reason. So tune in and get the lowdown on KiwiSaver tax (with a few very average tax jokes thrown in for good measure - sorry in advance).
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Disclaimer: 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. -
In this thought-provoking episode of Economy Made Simple, Simplicity Chief Economist Shamubeel Eaqub is joined by Liv to help unpack the very important but complex topic of social cohesion. They discuss what it means, why it’s under pressure, and how it underpins everything from economic stability to effective policymaking in Aotearoa. Drawing on global trends and New Zealand-specific data, Shamubeel explores how growing inequality and distrust are slowly eroding the social glue that helps society function and progress. This episode covers:
What social cohesion actually is, and how it differs from political or social uniformityHow rising inequality, entrenched poverty, and declining trust in institutions are undermining cohesionReal-world examples from the US, UK, and NZ that show what happens when cohesion breaks downThe difference between levels of social cohesion in Australia and New Zealand (you might be surprised!)Why a more united, cohesive society is essential to make big, future-focused decisions (like retirement reform and climate action)How KiwiSaver – if evolved thoughtfully – could support both retirement wellbeing and intergenerational fairnessThis episode invites listeners to think more deeply about how social division affects not just politics, but everyday life – and what it will take to protect and rebuild the collective trust we're going to need to move forward. Shamubeel reminds us that New Zealand society isn’t broken, but the cracks are starting to show and need to be addressed. If we can strengthen our sense of shared purpose and empathy, we’ll be better equipped to tackle the big challenges ahead.
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Disclaimer: 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. -
In this episode of Money Made Simple, Jennie chats with Consumer NZ CEO Jon Duffy about the real pressures New Zealanders are facing in today’s challenging economy – and what we can ALL do about it. From overpriced groceries to big power bills, Jon breaks down the biggest consumer issues and gives practical tips for navigating your way to smarter spending habits. This episode covers:
Why supermarket prices are so high and what’s stopping real competitionHow power pricing works (AKA why it’s often unfair for everyday Kiwis)Your personal rights under the Fair Trading Act and Consumer Guarantees ActHow to switch providers and negotiate better deals, especially for power!The "right to repair" movement and how it could reduce waste (and save you dollars)Why lodging complaints matters - and how it can lead to real changeResources mentioned in this episode:
Consumer NZ – Independent consumer info, product reviews, and advicePowerswitch.org.nz – Compare electricity plans and providersRight to Repair Bill – Advocacy for better product longevityCommerce Commission – Government regulator for competition and consumer protectionLife can be bloody expensive right now – but we know that knowledge is power. So tune in to learn your rights and get practical tips to stretch your dollar further.
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Disclaimer: 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. -
In this episode of Money Made Simple, Jennie and Liv dive into effective strategies for building job resilience during an economic downturn (like we're seeing right now). If you're worried about your job security or looking to secure a new job, this episode will arm you with the insights and strategies you may be seeking. This episode covers:
Current trends in unemployment, business closures, job applications and how these affect everyday KiwisHow to make yourself indispensable at work when redundancies may be on the horizonStrategies for effective job hunting, including how to optimise your CV (and how to use the various job platforms and networks you may not know of!)When to use AI, and when to avoid it - an important distinction when applying for jobs!The importance of building your personal brand - what, how, whyDifferent ways you can network, whether you have a job or are on the huntTips on building your own financial resilience (aka safety net) to prepare for the worst, while hoping for the bestResources mentioned in this episode:
- Ministry for Business, Innovation and Employment (MBIE)'s Labour market snapshot 2025 provides the statistics we quoted around unemployment, job seekers and business liquidations
- Statistics New Zealand has even more stats on the job market if you're hungry for more
- LinkedIn professional networking platform (also great for job hunting!)
- Zeil - Zuru's new job app/marketplace
- Digital Passport: Offers free online courses in digital skills, job readiness, and AI, provided by the NZ government
- NZ Polytechnic: Offers some fees-free courses including diplomas in various disciplines
- Sorted.org.nz for financial planning tools
- MMS episode #26 for more on Rainy Day Funds, and MMS episodes #7 and #8 for managing debt. Bonus - MMS #32 for budgeting (great for working out how to trim costs if your income gets reduced)
By the end of this episode, we hope that you'll feel a little more comfortable facing what is obviously quite a challenging economic time for NZ (and the world) right now! We want you to be confident in facing the uncertainty we're seeing, given you'll have an arsenal of skills, ideas and ways to network your way to your next great opportunity - whatever that may look like!
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Disclaimer: 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. -
Welcome to the very first episode of the Economy Made Simple! Our host Shamubeel Eaqub delves into the current state of financial markets, the broader economy, and the impact of global volatility on the local environment. This episode offers a "State of the Nation" perspective, perfect for those who would like to gain a deeper understanding of the dynamics of the economy. This episode covers:
The recent downturns in global financial markets, shedding light on the causes of current economic fears and how these are reflected in things like KiwiSaver accountsInsights into how old-school policies like tariffs are reintroducing geopolitical uncertainties that haven't been seen for decades, and what this means globally and for NZThe importance of a long-term perspective when it comes to retirement savings, and the worth of regular and consistent contributions despite market swingsA discussion on New Zealand’s specific challenges and strengths in the global economy, including our geographical isolation and diverse trading strategies.In this episode, Shamubeel unpacks some complex economic trends to help you better understand how these might impact your investments and financial strategy. Armed with this knowledge, you can make more informed decisions, stay resilient in the face of economic fluctuations, and plan more effectively for the future.
*This podcast contains Simplicity Research Hub’s economic and policy analysis, opinions, and commentary and is provided for general information only. It does not relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity NZ Ltd is the issuer of the Simplicity KiwiSaver and Investment Funds Schemes. For Product Disclosure Statements please visit our website simplicity.kiwi.
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Disclaimer: 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. -
In this second episode of our two-part series with Jane Wrightson, New Zealand's Retirement Commissioner, we dive deeper into the future of retirement and how today’s choices can and will impact tomorrow's freedom. This episode, tackles some thought-provoking issues and projections, and could be a game-changer for those trying to secure a more comfortable future. This week's episode covers:
How retirement is changing both in New Zealand and globally, reflecting longer lifespans and economic shiftsThe concept of FORO (fear of running out) and strategies to mitigate this fear by planning for a potentially 30-year retirementThe trend towards working past traditional retirement ages, and how this can sometimes be choice and for others necessityChallenges future retirees might face, especially those not owning their homes outright or dealing with escalating health costs as they ageTips n' tricks to ensure you're planning for retirement (no matter how far away it is!) with the right goals and plan in mindResources mentioned in this episode:
Sorted: The Retirement Commission's very own (and world famous on this podcast) online resource for financial planning tools and information.Commission for Financial Capability: Offers guidance on retirement planning and financial security.Through these discussions, listeners can gain valuable insights into preparing for a retirement that may look very different from today's standards. Whether you're just starting to think about saving or you're adjusting your existing plans, this episode provides insights and tips for navigating the complexities of retirement planning.
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Disclaimer: 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. -
In this episode of Money Made Simple, Jennie sits down with New Zealand’s Retirement Commissioner, Jane Wrightson, to discuss what retirement really looks like in New Zealand. We often think of retirement as something far off on the horizon but the reality is, the choices we make today shape our financial future.
The true state of retirement in NZ—why the “rich boomer” stereotype doesn’t match the reality for many retireesNZ Super (the pension): What it’s designed for and the challenges it faces with rising housing costsKiwiSaver as a game-changer and why/how it’s one of the best tools for building long-term financial securityThe role of financial literacy and why educating young people about money is crucialHow professional financial advice can help - and when to consider it
This episode covers:Resources mentioned in this episode:
Sorted.org.nz – Financial education and toolsMoney Talks – Free financial helpline and mentoringNo matter how far away retirement is, the sooner you start preparing, the more options you’ll have. Tune in for a straight-talking conversation about what it really takes to retire well in New Zealand.
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Disclaimer: 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. -
In celebration of International Women's Day on the 8th March, this episode of Money Made simple sees Jennie and Liv discussing women and money. Something we should know a bit about! We discuss the unique challenges as well as opportunities women face in terms of earning, saving, spending and investing money - both here in NZ and globally. This episode covers:
An overview of the gender pay gap in NZ (and globally), including recent trends and how the pay gap impacts women differentlyInsights into the systemic issues and biases that contribute to financial disparities for women (including the research to back it up!)Career breaks and their long-term effects on women’s finances, particularly regarding KiwiSaver and other savingsStrategies for building financial confidence, from he importance of workplace negotiation to tackling the confidence gap in job applicationsHow to better manage and optimise your KiwiSaver balance as a woman (including during mat leave type scenarios)Tips for investing outside of KiwiSaver in the current environmentOf course, our own lessons/learnings around investing as Kiwi women!Some kick-ass women focused resources to help our fellow female listeners level up their financial knowledge and powerResources mentioned in this episode:
- Financial Services Council Research on the KiwiSaver gender gap
- SEEK's March 2023 Research on the gender confidence gap
- Money Talks for financial mentoring
- Mary Holm’s personal finance education site
- Making Cents, a personal finance podcast by Frances Cook
- One Up Project, our good friend Sarah Kelsey creating a community for self-improvement
- Money Made Simple book (and of course this same-named podcast!)
This episode not only sheds light on the financial inequities women face but also provides practical steps for overcoming these challenges. Whether you’re looking to negotiate a raise or better manage your investments, there’s something here to help you make informed, confident financial decisions.
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Disclaimer: 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. -
*Disclaimer: This podcast material is for information purposes only. Simplicity does not provide financial advice or offer insurance products. Simplicity is not affiliated with Partners Life or any other insurer, and we do not provide recommendations or referrals.*
In this second episode of our insurance 101 series, Liv welcomes back Mark from Partner's Life to get into the nitty gritty of personal insurances. Building on our "why" and "how" from Part One, this episode focuses on understanding the specific types of personal insurance and how they cater to different life stages and needs. This episode covers:
Life insurance, its primary purpose and specifically what it coversTrauma and critical illness insurances, explaining how they provide lump sums for specific medical diagnosesA quick overview of Total Permanent Disability (TPD) insurance and how it differs based on one's ability to work post-incidentMortgage and income protection insurances, and their benefits in replacing income during periods of inability to workClarification on health insurance and its role alongside public services like ACC (including what that covers)The advice process when it comes to insurance - how to choose an adviser, what their requirements are, what exactly they will do (and what's required from you)How to claim against your personal insurances (and how advisers can help)Ways to tackle affordability when it comes to paying for insurance among today's cost of living challengesBy the end of this episode, you’ll hopefully have a more comprehensive understanding of different insurance types, so that you can be better equipped to make informed decisions about your insurance needs. Whether you're looking to secure your family's future or ensure your income in case of disability, this discussion will take you through some of the main choices available to understand what protection is available for different circumstances.
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Disclaimer: 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. -
*Disclaimer: This podcast material is for information purposes only. Simplicity does not provide financial advice or offer insurance products. Simplicity is not affiliated with Partners Life or any other insurer, and we do not provide recommendations or referrals.*
In this episode of Money Made Simple, Liv is joined by Mark Banicevich, an insurance expert from Partners Life, who helps her break down the often-confusing world of insurance. Together, they explore why insurance matters, how it works, and the key terms you need to know - without too much jargon overload!
This episode covers:
What insurance actually is and why it’s essential for protecting yourself financiallyThe two main types of insurance – general insurance (covering your stuff like cars and houses) and personal insurance (covering your income, health, and life)How insurance works in terms of pooling money for those who need itKey terms explained – from premiums and underwriting to exclusions, loadings, and excess feesThe importance of seeking financial advice from someone who fits your needsResources mentioned in this episode:
- Seeking financial advice? Look for a qualified financial advisor to guide you through your options - Sorted have a great guide for what good advice looks like.
We hope that this episode helps demystify the complexities of insurance and provides you with a little more confidence to make informed decisions about your own coverage %)
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Disclaimer: 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. -
In this episode of Money Made Simple, Liv and Jennie dive into the world of side hustles - exploring whether they’re a hustle worth pursuing or a hassle to avoid! With rising living costs, more Kiwis than ever are turning to side gigs for financial support, new skills, or to explore passion projects.
This episode covers:
The rise of hustle culture in NZ and why nearly half of Kiwis are considering a second jobA quick-fire list of practical side hustle ideas, from renting out spare rooms to selling online, freelancing, or dog walkingThe pros and cons of taking on a side hustle, including the potential for burnout, tax obligations, and managing multiple prioritiesJennie and Liv’s personal experiences with side hustles, along with their top tips for success - whether it’s setting boundaries, marketing yourself, or choosing a hustle that fits your lifestyle!Resources mentioned in this episode:
- MoneyHub: Offers comprehensive guides on side hustles and avoiding scams.
- Canstar: Provides a list of 25 side hustle ideas tailored for New Zealanders.
- Business.govt.nz: Includes helpful information on managing tax obligations for second job holders, contractors and side hustlers.By the end of this episode, you’ll be better equipped to decide whether a side hustle is right for you and how to hustle smarter, not harder %)
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Disclaimer: 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. -
We're back, baby! Liv and Jennie kick off 2025 with a brand new podcast season, and an episode dedicated to making your 2025 as kick-ass as possible - both personally and financially. As we all shake off the cobwebs of 2024, they share insights on crafting New Year's resolutions that stick, and a bunch of strategies to help you manage your money better, both over the short and long-term. This episode covers:
Why it's important to reflect on your past year, both the wins and the challenges (of course, we bare all in sharing our own!)How to set SMART goals in order to plan for financial successInnovative ways to tweak your budget and savings strategies to align with your New Year’s resolutionsYour 2025 KiwiSaver check-in, with tips on optimising your retirement savings in a quick and easy wayTips for setting up your emergency fund to be prepared for the unexpectedSome ways to put a bit of fun into goal-setting - it doesn't have to be all spreadsheets and retirement planning!Resources Mentioned in this Episode:
- Money Talks: Discover a wealth of options for financial mentoring and support
- MoneyHub: Our fave educational site with a range of financial guides, tools and more
- Sorted.org: Retirement planning, goal-setting, budget templates, you name it!
- PocketSmith: A comprehensive platform to track your budget and forecast your finances.
- Simplicity Investment Funds: Explore a range of managed fund options for hands-off, simple investing.Whether you’re planning to overhaul your budget, save for a big trip, or just get a bit more organised with your money, this episode could be your first step towards a financially fruitful 2025 (and beyond!).
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Disclaimer: 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. -
In this episode of Money Made Simple, Liv is excited to welcome (back!) Shamubeel Eaqub, well-respected author, commentator and Simplicity's new Chief Economist and Head of Policy. He helps explain inflation in simple terms, discusses its impact on everyday Kiwis, and how we can manage our finances more smoothly in what is a highly inflationary environment. This episode covers:
What inflation is in a nutshell, and how it specifically affects your wallet - from your grocery bills to the gas pump to insuring your thingsThe underlying causes of the inflation spikes in recent years, from global economic upheavals and war to local weather disastersPractical tips for adjusting your budget and saving strategies to weather the storm of rising pricesHow government and financial policymakers work to balance inflation with economic growthTips on where to seek financial guidance and support to manage your money during the cost of living crisisResources Mentioned in this Episode:
- Find a raft of options for financial mentoring and support via Money TalksHopefully this episode will help you arm yourself a little better with a better understanding of inflation, and some tools you can use to maintain financial stability in what can be a scary time.
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Disclaimer: 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. -
In this slightly festive episode of Money Made Simple, Jennie and Liv tackle the easier-to-avoid but very relevant topic of Christmas spending. They share their top tips and tricks for managing holiday expenses without sacrificing the joy of the silly season. This episode covers:
The benefits (and how-to guide) of setting a budget for gifts, food, and festivities which can lower the stress levels from over-spendingCreative and thrifty gifting ideas, from DIY wrapping paper to delightfully funny Dirty Santa games How to make the most of the best annual sales (and the sneaky benefits of planning your shopping early - we promise it's a game-changer!)Ideas on how to create new, cost-effective holiday traditions that focus on spending time, not moneyResources mentioned in this episode
- The nifty Draw Names App, for organising Secret Santa gifts efficiently
- How to skip the plastic & provide your loved ones a better future via KiwiSaver or Investment Funds giftingThis episode is packed with practical advice to help you navigate the financial hurdles of the holiday season so you can focus on what truly matters - spending time with loved ones. So hopefully you'll walk away with at least one actionable idea to make your festive preparations smoother and more enjoyable!
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Disclaimer: 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. -
In this episode of Money Made Simple, Jennie and Liv get cozy on their new podcast couch (very exciting!) to tackle a topic that affects us all: generational differences in mindset and money habits. From bearish Baby Boomers to easy-go-lucky Gen Z's, they explore the unique challenges, triumphs, and quirks of each generation's approach to life and finance, sharing a few digs but also a few lessons along the way. This episode covers:
An overview of each generation (starting with Boomers), and the birth dates that each cover (yes, we know there will be debates!)What might characterise each generation's upbringing, influencing how they act and see the worldHow each generation tends to view and deal with work/the workplaceHow each generation tends to deal with money (and of course what influences these views)The unique challenges faced by different generationsWhat we can learn from each generation in the way that they view the world and handling their financesNow a caveat here that we have absolutely made some generalisations (and maybe a few stereotypes thrown in, too - guilty). But by the end of this podcast, hopefully you'll understand what makes those "other" generations around you tick, and you might even be inspired to take a couple of learnings from those people that previously raised your heckles in their different ways!
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Disclaimer: 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. -
In this episode of Money Made Simple, join Liv as she chats with well-being and resilience guru Brad Hook. He provides a bunch of insight and tips on mastering your money mindset and aligning your spending with your values. They dive into ways to mange stress and prevent burnout, and the link into how this can actually boost your financial wellbeing (a win-win, as we like to say!). This week's episode covers:
A dive into Brad's background, journey and own money mindset (it's always great to learn from others, right!)How to identify your own values, and how these can drive better decisions - including financial best practice for your needsBrad’s top tips for tackling financial stress and avoiding burnout.Some powerful daily habits you can adopt that promote financial health and enhance overall well-beingResources Mentioned in this Episode:
- Dive deeper into resilience and well-being strategies via the Brad Hook website
- Brad's new book Start with Values - out Jan 2025 via PenguinTune in for an insightful discussion that may just shift your perspective on money, stress, and living a balanced life. Perfect for anyone looking to give their financial habits a lil' shake up!
Watch the full video on YouTube---
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Disclaimer: 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. -
In this rather lively episode of Money Made Simple, Jennie and Liv dive into our individual financial facepalms! We share the lessons we've learned since our early investing days, the hard way. Grab a cuppa and join us as we laugh (and maybe cry) about our top money blunders. And maybe you'll get the chance to turn our mistakes into your opportunities! This week's episode dives into:
Liv's (drawn out) attempts to be a finance bro, playing the stockmarket (free guesses into how that went!)Jennie's first-hand experience of the dangers of treating loans like free money and the hangover of debt that followsThe KiwiSaver mishaps that taught them the importance of paying attention to where their money was going (and not trying to game it!)Liv's sometimes flawed journey into property investment, hoping for big gains and ending up with big lessons insteadJennie's lack of interest in investing, property and all things finance for a wee bit too long - and how that's impacted her wealthBy the end of this episode, you’ll not only get a hearty financial reality check but also feel a bit better knowing that everyone makes mistakes - even (or especially!) those of us who work in finance. So tune in to turn our lessons into stepping stones for your own financial success.
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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:
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Disclaimer: 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. -
In this episode of Money Made Simple, Liv kicks off a BRAND NEW podcast segment where we talk to real investors about their money journeys - the good, the bad and the ugly! Our very first investor guest is Te Wai Coulston, a long-standing member and huge advocate of Simplicity. Te Wai shares with us his personal finance experiences and insights, with plenty of learnings along the way. This episode covers:
How Te Wai's family environment and early financial experiences shaped his approach to money - the nature vs nurture debate!His evolving strategy for achieving long-term financial stability and investing in line with personal values and goalsThe original foray into the world of investing (yes, trying to beat the market was a thing!) and how this approach has changed as he learnt more and had his epiphany momentsHow Te Wai discovered Simplicity, how he sees and treats his KiwiSaver in quite a unique way and how this has changed over timeTe Wai's future plans and strategies when it comes to housing, providing for his whanau and overseas travelThoughts around the role of KiwiSaver in NZ, and why we're not quite there yetThis episode provides a deep dive into a real investor's unique perspective. Tune in to get inspired and maybe even see some of your own experiences reflected in Te Wai's personal stories
Keen to share your story?? We welcome members (and non-members) to come and be a guest on the MMS podcast! If you're keen to find out more, contact us via Instagram or email us [email protected] <3---
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:
Instagram
Facebook
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Disclaimer: 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. - Mostrar mais
