Māori Millionaire Podcast

Welcome to How We Money, a six-part series by Māori Millionaire and ANZ designed to help everyday people feel more confident with money.

In Episode 3, Te Kahukura is joined by Aaliyah Tainui, an Investment Advisor from ANZ who supports everyday investors.

This episode breaks down KiwiSaver in a way that actually makes sense - no jargon and not overcomplicating it. KiwiSaver is one of the simplest ways to start investing, even if you don’t think of yourself as “an investor.”

We talk through what really matters in real life, including:

˗ What KiwiSaver is and why it genuinely matters for your long term wellbeing
˗ Why there are different fund types - and whether chasing high returns is worth it
˗ How to figure out your risk tolerance in a way that feels practical
˗ The most common mistakes people make with KiwiSaver
˗ What’s “normal” when your balance goes up and down
˗ How compounding interest quietly grows your money over time
˗ The KiwiSaver gap for women - and what we can do about it

This episode is about keeping things simple, starting where you are, and letting your money grow in the background.

ANZ has some great information and tools to help you get started:
˗ ANZ KiwiSaver Check In
˗ ANZ KiwiSaver Retirement Calculators
˗ ANZ KiwiSaver Fund Chooser Tool

Disclaimer: The information in this podcast is for general information only and isn’t financial advice. The views of the host or guests are their own and do not represent ANZ. ANZ and Māori Millionaire do not guarantee the accuracy or completeness of the content and are not liable for any loss arising from its use. Please seek financial advice about your situation and goals before making financial decisions.

Wealth Was Never Meant To Be Individual Most of us were never taught how to build wealth, we were taught how to survive. So for a long time, I thought money was something you had to chase on your own. In this episode, I talk about letting go of that idea and remembering that wealth was never meant to be individual. When we build together, we move faster, we hold more, and we create something that actually lasts.
Scarcity Isn’t Who I Am I unpack how a lot of our money behaviours are inherited. The scarcity, the fear, the inconsistency. That didn’t come from nowhere. It was shaped by generations of not having enough. Decolonising my relationship with money meant understanding my patterns instead of judging them, and creating safety instead of pressure.
Money Needs To Feel Safe You can earn more, learn more, do everything “right” but if money doesn’t feel safe, it won’t stay. I share why I stopped focusing only on strategy and started focusing on building a sense of safety with money first.
Those Narratives Were Never Mine I reflect on the stories that were placed on me before I had a chance to choose for myself. The assumptions about who I would become and what would be possible. This part is about letting go of those narratives and choosing something different.
Redefining What Wealth Actually Means This isn’t just about income. It’s about time, health, whānau, and freedom. I talk about expanding my definition of wealth beyond what I had been taught, and building a life that actually feels rich.
If you’re ready to stop operating from survival and start building a different relationship with money, 4 My Moko is my 4 week mindset reset designed to help you do exactly that.
Join 4 MY MOKO (ENROLMENTS CLOSE THURSDAY 9/4)

Most financial advice sounds simple.
Spend less. Save more. Invest.
But if it were that easy, more people would be getting ahead.
In this episode, we unpack why money isn’t just about behaviour or discipline. It’s emotional, it’s learned, and for many of us, it’s shaped by survival, stress, and lived experience.
We talk about why people spend even when they know they shouldn’t, the hidden role of shame, and how patterns with money often come from deeper wounds, not a lack of knowledge.
This kōrero explores how colonisation, capitalism, and consumerism have shaped the way we experience money, and why traditional financial advice often misses the mark, especially for Māori and those navigating financial pressure.
You’ll learn:
why most financial decisions are driven by emotion, not logic
how survival mode impacts your ability to build wealth
the difference between being “bad with money” and coping with stress
how trauma shows up in both overspending and avoidance
why creating safety is the first step to changing your money habits
This isn’t about spending less.
It’s about understanding why you spend in the first place.
Because more information won’t change your life, but a different relationship with money will.
If this resonates, take a moment to reflect on the patterns you’re noticing in your own life.
And if you’re ready to start shifting your relationship with money, you can learn more about 4 My Moko here.

Welcome to How We Money, a six-part series by Māori Millionaire and ANZ designed to help everyday people feel more confident with money.
In Episode 2, Te Kahukura is joined by Jake Nicholson, an Investment Private Banker who supports ANZ Private clients (clients with $1.5M+ in investments). We explore the concept of wealth as freedom - not just money. Looking at long-term savings, emergency funds, investing, and generational goals.
In basic terms we cover off:
What “future wealth” really means
Different pathways to building wealth; not one-size-fits-all
How to start investing and understanding compounding growth
The importance of KiwiSaver - especially as a young person
Māori perspectives on abundance and legacy
ANZ has some great information and tools to help you get started:
ANZ Plan for the future page
Investor Profile - Sorted
Disclaimer: The information in this podcast is for general information only and isn’t financial advice. The views of the host or guests are their own and do not represent ANZ. ANZ and Māori Millionaire do not guarantee the accuracy or completeness of the content and are not liable for any loss arising from its use. Please seek personalised financial advice about your situation and goals before making financial decisions.

What does the current global conflict actually mean for New Zealand’s economy?
In this episode of the Māori Millionaire Podcast, Te Kahukura Boynton sits down with economist Brad Olsen, Chief Executive and Principal Economist at Infometrics, to break down what’s happening in the global economy and what everyday New Zealanders should actually be paying attention to.
Brad is one of New Zealand’s most recognised economic commentators and regularly appears across national media explaining complex economic issues in a clear and practical way.
Together, they unpack the real financial impacts global conflict can have on New Zealand including petrol prices, inflation, KiwiSaver balances, and the risk of stagflation.
Rather than fear based commentary, this conversation focuses on helping people understand what’s happening in the economy so they can make calm, informed financial decisions.
In this episode we cover:
• The biggest economic risks global conflict could pose for New Zealand
• Why petrol prices move so quickly and how high fuel prices could realistically go
• What stagflation means and whether it is a real risk for New Zealand
• Why your KiwiSaver balance might drop during global uncertainty
• The biggest mistakes investors make when markets are volatile
• What everyday New Zealanders should actually focus on over the next few months
If you’ve been seeing headlines about rising fuel prices, falling markets or global instability and wondering what it all means for your money, this episode breaks it down in simple terms.
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