It’s No Secret is a podcast for Kiwis who want their money questions answered. Are you wondering when is the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting? If yes, you’re in the right place. Our hosts Cat Emerson and Christine Jensen will answer these questions and more. They’ll take you through the ins and outs of all things finance, money, property, investing and building wealth so you ...
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Strategy for Creatives - Business Minus the Bullshit: Business Tips for Creative Entrepreneurs
Sasha | Business Strategist for Creative Women
Welcome to Strategy for Creatives: Business minus the bullshit. Whether you're new in business or finding yourself in a season of change, get ready to build a strategy, create an action plan, and crush those goals. I’m Sasha, host of strategy for creatives, and I help female-led businesses grow their brands in authentic, measurable, and meaningful ways without the stress! There’s no sugar-coating over here. I’m serving up real tips and actionable steps you can take to help uplevel your busin ...
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95. Which Insurances Do I Need? Part 1
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Today we're tackling a crucial but often overlooked topic: how to calculate your life insurance needs. With recent FSC research showing only 20% of New Zealanders have income protection insurance, we'll break down the essentials of personal insurance and help you figure out exactly how much coverage you need. Key Questions Discussed: What are the d…
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Being Poor But Driven, Open Banking and Embracing Individuality | Money Moments with PocketSmith CEO Jason Leong
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In this Money Moments episode we're joined by Jason Leong, CEO and Co-Founder of PocketSmith. From humble beginnings to leading a global fintech company serving customers in 190 countries, Jason shares his money journey and the story behind PocketSmith's growth. Specifically, we chat about: What shaped Jason's relationship with money and financial …
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94. How Much Do I Actually Need to Retire?
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How much money do you really need to retire? In this eye-opening episode, we break down the real numbers behind retirement planning in New Zealand. With recent Retirement Commission research showing that 65% of people over 55 have no concrete retirement plan, we'll help you understand what you need and how to get there. Key Questions Discussed: Wha…
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93. How to Approach A Financial Break Up
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Today, we're discussing how to break up financially—not just with a significant other. Breakups are challenging, and they aren't limited to romantic relationships. Whether you're parting ways with a service provider like a personal trainer or financial adviser, or even becoming financially independent from your parents, there are strategies to help…
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92. What Happens to My Investments When I Pass Away?
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In this episode, we tackle a crucial yet often-overlooked topic: what happens to your investments when you pass away? Understanding what happens to your assets is essential for ensuring your loved ones are taken care of and the outcome you intended is achieved. Specifically, we chat about: What is the importance of having a will for your investment…
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91. How to Diversify Your Investments
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In this episode, we revisit the concept of diversification in investing. Understanding how to spread your investments is important, especially in helping manage risk. Specifically, we chat about: What is diversification and why is it important? How can you diversify your investments across asset classes, geography, sectors, and company sizes? How m…
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In the second part of our mortgage series, we dive deeper into the practical steps of purchasing your dream home. From assembling a reliable support team to finalizing your settlement, we've got you covered: Specifically, we chat about: Who should be on your support team, and why are they essential to the home buying process? Why is building and co…
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In this 2 part episode, we'll be chatting about the step by step on how to buy a house. Whether you're a first-time buyer or a seasoned pro, we outline the steps you'll need to take, including some tips to take to help make your house hunt easier both mentally and hopefully financially. In this episode, we cover: When should you set your goal to bu…
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88. The Psychology of Index Investing
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In this episode, we're joined by an expert guest - Cam Irvine. Cam brings extensive experience from the financial services industry, having worked for one of the most successful mutual fund managers in the US before becoming a highly qualified NZ financial planner. Specializing in working with ex-pats and those with significant property-based wealt…
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Airbnb Horror Story, Taylor Swift & FOMO | Money Moments with Cat & Christine
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Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we’re back again in the hot seat to give you an update on what’s going on with our lives financially. Our last check-in was back in May - about 4 months ago so there is catching up to do. Let’s get stuck in! Specifica…
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Ubering Gym Bags, Valuing Time & Investment Property | Money Moments With Ravi Chand
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In this week’s episode of Money Moments, we chat with Ravi Chand, Operations Manager at Lighthouse Financial. Ravi shares his money habits and the journey that got him to where he is today. Specifically, we discuss: The money mindset(s) he uses daily to manage his lifestyle What money habits he’s proud of (and a few he’s embarrassed by) How he foun…
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Farming Sustainable Wool, Country Calendar & Growing a Business | Money Moments: Sophie Hurley, Founder of Honest Wolf
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Today, we’re back with another Money Moments episode, where we chat with real Kiwis about their experiences with money. In the hot seat today is Sophie Hurley. Sophie is a farmer, mum, and the founder of Honest Wolf, an ethical New Zealand luxury wool brand. Recently, she was honoured with the 2023 Supreme Award and Emerging Business Award at the R…
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87. Alternatives to Investment Property
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In this week’s episode, we chat about something near and dear to many Kiwi investors—investment property! When it comes to investing, many Kiwis often default to the dream of owning multiple properties with the hope of benefiting from capital gains and that sweet rental income. But are investment properties the only way to set ourselves up for fina…
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5 Years of Kernel: Entrepreneurship Challenges and What’s Next? | Money Moments with Dean Anderson
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In this episode of Money Moments, Christine catches up with Dean Anderson, the founder and CE of Kernel. It’s been two years since Dean last appeared on the podcast, so we thought it was the perfect time for him to update us on both his professional journey and personal milestones. In this episode, we discuss: The toughest and most rewarding aspect…
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86. Is University Worth the Cost?
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Today, we dive into some of the costs of university education and weigh the pros and cons to help you make an informed decision. Please note: that this episode is not about convincing you one way or another but to chat about the factors that might sway your choice from a financial standpoint. In this episode, we cover: What our university experienc…
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Money Q&A: Should I Borrow Money to Invest in a Business?
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Today we’re back with a Money Q&A - where we answer questions submitted by you, the lovely listeners of the pod. In this episode, we answer these two questions: Should I borrow money to invest in a business? I have $5,000 left on my student loan should I pay it off? If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcast…
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85. What Happened in The Sharemarkets This Week?
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The last week (5-9th August 2024) has been a volatile time in international sharemarkets. As investors, it can be easy to read dramatic news headlines about and react to them, so we wanted to take the chance to chat through specifically what happened in the sharemarkets, and what this means for you as the everyday investor. To share insights and pr…
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84. 5 Simple Actions To Take With Your Money
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This month is Money Month in New Zealand, an annual campaign by Sorted (Retirement Commission) to raise awareness about money, and help Kiwis improve their finances. Knowing where to start with your money can often be the trickiest part, so today's episode covers 5 simple actions you can take this Money Month to improve your financial situation - f…
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83. Active vs. Passive: What Drives Your Investment Style?
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In today's podcast episode, we’ll be chatting with you about the key drivers behind people choosing their investment style. The active vs passive investing strategies have been hotly debated for a long time. But how do you convince someone that one is 'better' than the other without just spitting out facts? More importantly, what are the underlying…
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Starting a Business in Your 20s, Investing in Your Health and Property | Money Moments: Elise Dalrymple-Keast
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Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we're joined by loyal podcast listener, Elise Dalrymple-Keast, who went from working 6 part-time social media jobs during university to building a digital marketing agency with a team of 7 and generating millions of d…
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82: Money Guilt: Understanding and Overcoming It
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Feeling guilty about your spending habits? In this episode, we uncover the psychology behind money guilt and offer practical tips to manage it. But what do we mean when we talk about money guilt? Money Coach Marnita Oppermann defines money guilt as “dealing with feelings of remorse, shame, or anxiety because of financial decisions or circumstances.…
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Mastering Email Marketing: Essential Strategies Beyond Social Media for Business Growth
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Welcome back to Strategy for Creatives: Business Minus the Bullshit! In this replay episode, originally aired on December 14, 2021, your host, Sasha dives deep into the world of email marketing. If you're a female-led business looking to grow authentically and meaningfully, this episode is for you. Episode Highlights: Introduction to Email Marketin…
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Maximize Your Marketing: Why Every Business Needs a Blog
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In this replay episode of "Strategy for Creatives: Business Minus the Bullshit," Sasha delves into the essential topic of blogging for businesses. Originally aired in December 2021, this episode provides timeless insights into why every business should incorporate blogging into their marketing strategy. With the increasing unreliability of social m…
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81. Money Tips To Get Through Tough Times
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Today we’re going to run through a few money tips to help get you through tough financial times. It’s a challenging time out there right now for many people; interest rates have risen and remained high, therefore those who own homes are particularly struggling to cover the cost of their mortgage. Further, the cost of living is generally very high, …
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Business Strategist vs. Business Coach: Key Differences and When to Hire Each
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Welcome back to Strategy for Creatives: Business Minus the Bullshit! This is a replay of one of our foundational episodes, originally aired on October 19, 2021. In this episode, Sasha delves into the differences between a business strategist and a business coach. Learn when to hire each, what to expect from their services, and how they can help ele…
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80. The Realities of Job Hunting in 2024
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Today we’re diving into the employment landscape. Whether you’re actively job hunting or just keeping an eye out, this episode has something for everyone. To help answer all our burning questions and provide an update on the current employment market, we're joined by Minta Holton, NZ Director at HOME Recruitment. HOME Recruitment specializes in tra…
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5 Common Marketing Mistakes to Avoid and Boost Your Business Growth
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Welcome back to Strategy for Creatives: Business Minus the Bullshit! This is a replay of one of our most popular episodes, originally aired on September 20, 2022. In this episode, Sasha examines the common marketing mistakes that many business owners make and provides actionable advice on how to avoid them. Tune in to learn how to streamline your m…
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79. Upcoming Tax Changes: What to Know
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Today we're diving into the latest tax changes announced in the 2024 Budget. We'll break down what these changes mean for you, focusing on the new tax thresholds, adjustments to the Independent Earner Tax Credit, and the introduction of the Family Boost initiative. Disclaimer: While we aim to provide clarity on these updates, everyone's financial s…
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Money Q&A: Winning Lotto, Investing Overseas & More!
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In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel. This time, we'll be answering questions such as: What are some common pitfalls when investing a lump sum, in this case, we use the 7 million dollar Powerball winners If you should tell your friends and family if you win the lotto Can you inv…
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78. Public Schools VS Private Schools
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Today we’ll be chatting about whether private schools are “worth” the investment. We'll look at both the cost of sending your children to private school vs public, and weigh up some potential pros and cons of doing so. Disclaimer: the school you send your child to is very personal to your family, the child and your financial situation. This is not …
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77. What is Relationship Property?
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Today we’re back to chat about all things relationship property. Relationship property can be a bit of a sticky subject, particularly if you are approaching being in a de facto relationship, looking at getting married or otherwise. To chat with us today is a special guest joining us to share his knowledge on the topic, as we're by no means an exper…
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Money Moments: Cat & Christine - 2024 Mid Year Update
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Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. This time, the real Kiwis are us! In this episode, we’re in the hot seat to give you an update on what’s going on with our lives financially. Our last check-in was back in December about 6 months ago, so let’s get stuck in on what we'…
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76. How do I Change my Investments as I Approach my Goal?
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Many of us have goals we're saving towards, whether for the short, medium, or long term. If your goal is in the medium term (3-5 years) or long term (5+ years), you might wonder if you need to adjust your investments or savings strategy as you get closer to achieving it. Or, you might be nearing your goal and not realize it could be beneficial to c…
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Money Moments: Colin Magee - Co Founder & CEO of Catalist Markets
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Today we're back with another Money Moments episode, where we chat to real Kiwis about money. In this episode, we are joined by Colin Magee, CEO of Catalist, the stock exchange connecting everyday investors and Kiwi businesses with big potential. Colin has over 2 decades of experience in financial services working as a finance lawyer in London and …
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75. How KiwiSaver Works Behind the Scenes
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In today's podcast episode, we’ll be answering the question of - how does the KiwiSaver joining/transfer process work behind the scenes? While expectations around banking/financial services these days are instant, unfortunately, the case with KiwiSaver transfers and many other investments isn't. Whether you're moving to NZ and starting KiwiSaver fo…
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74. Scams (A Sugar Daddy or A Scam?)
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In today's podcast episode, we’ll be chatting to you all about scams. Scams are a hot topic at the moment, just google ‘scams nz’ and look at the news and there are SO many recent articles sharing how someone has been scammed out of a significant amount of money. So let’s chat about how you can avoid them. In this episode we specifically chatted ab…
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73. How Much Are You Spending On Your Health?
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In today's podcast episode, we’ll be chatting to you about whether or not you’re spending enough money to maintain your health. Whether your health spending comes in the form of long weekends away, going to a therapist or even a boujee gym membership, investing in yourself can come in many forms. But how do you know if you’re spending enough money …
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Money Q&A: Compounding, Consistent Investing & Distributions
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In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from the Kernel inbox. This time, we'll be answering questions such as: What is compounding? Should I regularly invest, or save then invest money in one lump sum? What happens if you take money out before the quarterly distributions are made? Do you have…
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72. Friends & Money: Does Money Affect Friendships?
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In today's podcast episode, we’ll be chatting about how people's differing money situations can affect friendships and ultimately behaviour. At some point, you’ve probably experienced a difference in wealth (or perceived wealth) between you and your friends. But should you let this difference in lifestyle affect your behaviour? Let’s discuss. Speci…
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Money Moments: Sarah Kelsey - The OneUp Project, Emergency Funds & Psychology of Money
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Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we're joined by Sarah Kelsey, host of the personal finance & development podcast, the OneUp project. Sarah started her podcast over 4 years ago and has grown her listenership to over [345,000] with Kiwis from all over…
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71: Owning a Bach vs Yearly Holidays
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In today's podcast episode, we’ll be chatting about whether or not the Kiwi dream of owning a bach is all that is cracked up to be. Many Kiwis often dream about having a bach to use as an escape during their extended breaks. But what if we told you that you may be better off putting that money towards boujee yearly holidays instead? In this podcast…
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Money Q&A: Taxes on Global vs NZ Shares, FIF and More
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In honour of our favourite time of the year - aka tax time - we thought we’d answer a few commonly asked questions. Specifically, we answer: How important is tax when investing? Are NZ shares taxed differently from global shares? What benefit does investing through a trust give me, if at all? What the heck is the FIF tax regime? Got a burning money…
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70. How to Help Your Children Be Smarter with Money
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Wondering how you can set up your children for financial success in the future? Then this podcast episode is for you! In this episode, we are joined by Co-Founder of SquareOne, Jovan Pavlicevic. Jovan has a background in starting businesses and wears many hats at SquareOne - from strategic capital raising to designing the customer and employee expe…
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In today's podcast episode, we’ll be revisiting the ever-important rainy day funds; more commonly known as emergency funds! While emergencies are rare, it is important to have money set aside for some peace of mind. So if you're looking for some inspiration on where to get started with your emergency fund, this episode is for you! In this podcast e…
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Money Moments: Chanel Clark - Building a Career, Starting a Business & Mental Health
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Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we’re joined by Chanel Clark, marketing extraordinaire and North Shore local. Chanel has recently transitioned from being a full-time employee to starting and running her own business AND is also looking to move overs…
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Money Q&A: Investing Lump Sums & Cost of Living Hacks
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In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel. This time, we'll be answering questions such as: How to invest a lump sum of money across different scenarios Are you better off having a nanny for your child or sending them to daycare? How to invest while also starting a family What are bo…
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68. Valentine's Day Special - The Cost of Love
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In today's podcast episode, we’ll be talking about love and its costs. The cost of love sounds like it has a ‘negative connotation’ it doesn’t necessarily need to be that way. The reality is that costs can come with getting into, being in and/or ending a relationship with someone. So this Valentine's Day, we thought we'd do a special episode talkin…
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Money Moments: Jervis Koo - Travelling Asia, Redundancies and Work Life Integration
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Today we're back with another Money Moments episode, where we chat to real Kiwis about money. We’re back with our friend Jervis, for an update on what’s happening in his financial world, since recording an initial Money Moments ~2 years ago. When we spoke to Jervis last, he lived and worked in a digital marketing agency in Auckland. We spoke about …
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Money Q&A: Joining Finances, Job Loss & Retirement Cash
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In today's special podcast episode, we'll be answering many different questions that we often get in the DM's from the gram as well as a few Kernel customer questions. Specifically we'll be answering questions such as: What are the factors to consider when creating a joint account with your partner Should you convert all of your investments into ca…
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67. How to Crush Your 2024 Money Goals
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Looking to achieve your 2024 New Year resolutions? Then this podcast episode is for you! We are almost in February the time New Year goals typically start to drop off. While creating audacious goals is easy, achieving them can take much longer. In this episode, we talk about a few different factors to consider when creating a new goal and how you c…
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