Ruby stumbled across The Happy Saver in October of 2022, prompting her to email me with a couple of questions. She’d recently signed up with Sharesies and was testing the waters by investing $20 a week, and had a few questions about where to start. Plus, she had a question about her KiwiSaver. While at home with two young tamariki, she had just realised that even when she was not in the paid workforce, she could voluntarily contribute money into her account, which she immediately started doing. Taking a moment to think about investing made her start digging around for more information about her money. From then on, her thirst for financial literacy grew, and she began to search for information that could teach her to be better with her pūtea. A year went by, and I heard from her again. She went into more detail, which led to me asking her to be on my podcast today. She is now 34, and her husband Tim is 38. They live in rural Canterbury with their two preschool children. I think their journey is typical of a lot of Kiwis, and what I particularly like is that they continue to adjust their financial course as new information comes to light.