Renters — are you a financial failure if you don’t buy a home?
– Changing attitudes to renting for life
– Are you financially worse off renting?
– Worry about being kicked out
– Other negatives of renting
– Positives of renting
Emergency (or rainy day) money — how much? And where?
– Lack of fund is source of stress
– Priorities with your money
– How much?
– Where to save — including idea for those with mortgages
– How to build a fund
– A “charity fund”?
– If you use the money…
Are New Zealanders getting insurance all wrong?
– Survey: we don’t insure what matters most
– Why that might be?
– Does self insurance work?
– Is insurance a good deal?
– Ways to cut insurance costs
Plus:
– Self-employed should stick with KiwiSaver
Making use of KiwiSaver annual statements
– What statement tells you
– Where to get more info on your situation in retirement
– How tax on KiwiSaver works
Plus:
– Make sure you have a will
Which government has been better for KiwiSavers?
– KiwiSaver at the start
– Bad changes — National-led governments
– Good changes — Labour-led governments
– 2025 Budget changes — winners and losers
Plus:
– Easy way to do hard quiz question
Different types of debt. Also, money worries lead to less socialising:
– Different types of debt — some bad, some good
– More on credit cards — how not to use them
– More on buy now pay later debt — how not to use it
– Mortgage holders should concentrate on other debt
Also:
– Socialising is on the decline while the cost of living rises
Test your financial knowledge
– 7 questions to test your financial knowledge
– How to do test at your own pace, and get explanations of the answers
Disappointing KiwiSaver changes in 2025 Budget
– Changes to employer and employee contributions — and how to avoid them if you wish
– Government contributions halved
– No government money if you earn more than $180,000
– Good news for 16 and 17-year-olds — tell them about it!
– Assessment: Bad for self-employed and not employed, and employees pay for their own gains
Will Government change its KiwiSaver contributions — and if so, how should it do it?
– History of government contributions
– If changed, how should they do it?
– Arguments against change
– Suggestion 1: ban employees paying their employer contributions
– Suggestion 2: give beneficiaries KiwiSaver help — and prisoners
The wisdom of our listeners!
Listeners’ best financial moves — entries in recent giveaway of Mary’s newly updated “Rich Enough? A Laid-back Guide for Every Kiwi”. We can all learn from them — or be amused by them.
– Marriage
– Debt
– Budgeting
– Investments
– Less conventional investments
– Saving for children