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 on your health, or better yet too much? Let’s jump into it. Specifically, we chatted about: What we personally spend on our health such as gyms,...

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 a burning money question you want answered? Let us know in the DM's we'd love to hear from you If you enjoyed today's show, we'd LOVE for you to...

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. Specifically, we chat about: Why there will always be differences in wealth between your friend groupsHow your definition of wealth and priorities...

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 NZ tuning into her tips on how to get the most out of your money and, ultimately, life. We have lots to talk about in today’s ep, let’s...

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 episode, we chat about: The pros and cons of a bachThe average price of a bach across different holiday destinations and how much you could be...

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 question that you want answered? Slide into our DM’s and we’ll answer them on the pod! If you enjoyed today's show, we'd LOVE for you to rate &...

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 experience. With a background in starting businesses, he has always loved finding novel ways to fix broken things. This time, with how we can empower...

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 episode, we chat about: When and how you should use your emergency fund - spoiler it's not for last-minute dresses.How much you should set aside...

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 overseas in the near future.  So we have lots to talk about in today’s ep, let’s get stuck in.  Specifically, we chat about: What her relationship...

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 scenariosAre you better off having a nanny for your child or sending them to daycare?How to invest while also starting a familyWhat are bonds and should I invest in them?Do you have a burning money question you want answered? Let us know in the DM's we'd love to hear from you If you...

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 talking all about the money topics that you may face while on your relationship journey.  In this podcast episode, we chat about: Why money...

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 several things on the podcast, ranging from how he initially got in and out of personal debt to his 30/30/30/10 budgeting approach and how his...

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 partnerShould you convert all of your investments into cash when you hit 65Things to consider if you're concerned about job loss in the near futureHow to move your Super Annuation from Australia to New...

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 can make them more achievable. Specifically, we chat about: Why it's important to set specific goalsThe mental impact of achieving or failing a...

Today we're back with another Money Moments episode, where we chat to real Kiwis about money.  Today on the podcast, we are joined by Jamie Jermain, Co-Founder & CEO at SquareOne, NZ’s first account and card built for the next generation.  Jamie has worked in the payment space for over 20 years, including at the likes of Visa, Mastercard, Lloyds Bank and The Warehouse Group. Originally from London, he moved to New Zealand in 2010 and now lives in Auckland with his wife and 3 kids, who...

In today's podcast, we're chatting about when the "right time" is to sell your investments if they're in the red (hint: there is no "right time").  Do you hold on and hope that it recovers its value, or do you cut your losses now and recoup what's left? We dig into this and more.  Specifically, we discuss:  Why does your investment portfolio balance move in the first place? Biases when investing; anchoring & the status quo bias Can you expect linear investment returns?Questions to ask...

Aaaand we're back with another Money Moments episode featuring Caitlyn Parker. Caitlyn is a Customer Success Manager, a Wellingtonian (at heart) and most importantly, a great friend. With over a decade of experience in the financial services and start-up space, Caitlyn has helped thousands of customers through their investing and savings journey.  In this episode, Caitlyn shares: Her relationship with money and how that has evolved throughout her lifeHow love languages can affect your...

In today's podcast episode, we’ll be chatting about where you can put your spare cash.  From the Official Cash Rate (OCR) rising and halting to the changes in the rate of inflation,  a lot has happened this year in the world of money.  So we thought that we'd check in on how a few of our favourite asset classes are doing. Specifically, we chatted about: What the current landscape is across savings products and property and share marketsThe pros and cons of each asset class and what this can...

In today's podcast episode, we’ll be chatting about another *potentially* spicy topic - politics! Well, not politics as in strong opinions. Instead, we'll be focusing more on the policies of the newly formed government. Since Christopher Luxon was newly sworn in, there has been a lot of media coverage surrounding the recently released 100-day action plan. So we want to discuss a few highlights from the action plan of the policies that can impact us financially. Specifically, we chat...

In today's podcast episode, we’ll be chatting about a very spicy topic, which is why your home is for living in and not for growing wealth. This statement is one that came from a certain Instagram post from the Guardian sharing that ‘Australian housing wealth is meaningless, destructive and fundamentally changing our society:” Cat jumped on the IG stories, and had a great response to this from her followers, so here we are. Ready to discuss. Specifically, we chat about: The data about the...

It's that time of the year – wedding season is in full swing! Whether you're riding the high of a recent engagement, knee-deep in your wedding planning, or know someone about to get married, we're here with some golden tips to elevate your wedding experience. Specifically, we chat about: A sneak peek into Cat's wedding planning journey – what she thought vs. what went down. Spoiler: a wedding planner was the MVP.How to weigh up the cost of a wedding against other big-ticket items like a...

In today's podcast, we have a snippet of an unaired episode that was too good not to share. In this bonus episode, Cat shares how her husband, Luke almost lost $100,000 in his Australian Super. And no, we're not talking about market movements or poor investment choices. This was all because of a transfer error with the fund provider, it went MIA. We also chat about: The year-long process and the hoops Cat had to jump through to solve the issueWhy Cat had to resort to using LinkedIn to speed...

Hi friends! We're back after a wee break, just in time to get you through the Christmas break (and give you something to do when you’re fed up with your families, #soznotsoz). What better way to kick things off than with a Money Moments episode with us (Cat & Christine), getting you up to speed on what's been happening in our financial lives. The last one was in Feb 2024 - wow! In this episode, we chat about: Cat's *very* specific balance sheet - she shares ALL the numbers Why Cat isn't...

Today on the podcast we are joined by Chelsea Traver, Founder & Investment Adviser at Evergreen Advice. Chelsea brings over a decade of experience in the financial space and has a strong background in investment analysis, specialising in Fixed Interest and Socially Responsible Investing. After years of working as an investment analyst, she shifted her focus to working directly with clients, helping them reach their financial goals. She's particularly passionate about helping women and...