Have you ever wondered what makes the New Zealand dollar go up and down? Why NZers brag about how much money they're making on the Forex, only to lose it all the next day? The objective of this episode isn’t to encourage you to invest this way but instead, give you the financial know how to recognise the difference between a great investment opportunity and a speculative bet. Book a Free appointment with Ryan  If you're wanting your question answered on the podcast email me at [email protected], send a voice message below or capitalise on our free online tools and advice:  Get A Free Book and Subscription To Ryan's Weekly Newsletter Connect with Ryan on Tik Tok, Linkedin and Instagram   Have Your Podcast and Audiobook Edited by NZ Audio Editors. Disclosure statement available on request and free of charge