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 1, Te Kahukura and guest Iyia Liu unpack the foundation of all financial decisions:
mindset.
We explore where money beliefs come from, how scarcity can show up, why financial self-sabotage happens, and how to shift towards healthier, more supportive money habits. This episode acknowledges cultural context, whānau dynamics, and the emotional side of money, while keeping things practical and shame-free.
You’ll learn how to assess your own financial wellbeing, why building wealth matters, and how small mindset shifts can lead to better money decisions over time.
No jargon, no judgement, just real kōrero and simple next steps.
Use ANZ’s Free Financial Wellbeing Tool here - it takes two minutes and will provide some helpful insights for you.
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 advice before making financial decisions.

Welcome to Day 3 of the 7 Day Money Reset.
Today we go deeper.
Because you do not rise above your money mindset. You earn in alignment with it.
If I said “You could make 1 million dollars this year” What comes up for you?
Excitement? Doubt? Judgement? A laugh?
That reaction is your money story speaking.
DOWNLOAD YOUR FREE MONEY DIARY TEMPLATE
In this episode we unpack:
• How your childhood shaped your beliefs about money
• The conversations you grew up hearing about money
• Why “I work so hard but have nothing to show for it” becomes a financial identity
• Money attachment styles: anxious, avoidant and secure
• How limiting beliefs quietly cap your income
• How to rewrite old money beliefs in a practical way
• Askfirmations and quality questioning
• How to consciously create a new money story
We walk through questions like:
What is the old belief? Where did it come from? Why does it feel true? Why is it not true for your future? Who proves this belief wrong?
And when the old belief pops up, we don’t spiral.
We acknowledge it. Release it. Breathe. Affirm the new belief.
If she can do it, so can I.
We also talk about your energetic relationship with money.
Do you resent it? Fear it? Cling to it? Avoid looking at it?
Or do you respect it? Trust it? Treat it well?
Because where attention goes, energy flows.
This episode is not about toxic positivity. It is about conscious rewiring.
Your action for today:
Write your old money story. Then write your new one. Decide who you are becoming.
Because income follows identity.
If you are doing the challenge, share this episode and write “New money story loading.”
We are not just changing numbers.
We are changing narratives.
Disclaimer: I am not a qualified financial advisor. The information contained on this website and in my training is for general information purposes only. Any reliance you place on such information is strictly at your own risk. It is not intended to constitute legal or financial advice and does not take your individual circumstances and financial situation into account. As always, please seek assistance from a trusted financial adviser, legal or other professional advisor before making any financial decisions or investments.
Further, nothing on this site or in my training is, or should be taken as, an offer, invitation or recommendation to buy or sell any investment or product represented without first obtaining professional advice regarding its appropriateness to your personal circumstances.

Welcome to Day 2 of the 7 Day Money Reset.
Today we stop guessing.
We calculate your net worth.
And before you panic Yes, even if you have debt. Especially if you have debt.
Your net worth is not a measure of your value as a person. It is a financial snapshot. That’s it.
In this episode we walk through:
• What net worth actually means in simple terms
• How to calculate your net worth step by step
• Why avoiding this number keeps you stuck
• Why wealthy people track this consistently
• How to track your net worth over time so you can see real progress
If you’ve been living in “vibes” instead of numbers, this is your reset moment.
Because you cannot grow what you refuse to measure.
This is not about judgement. This is about clarity.
Your action for today:
DOWNLOAD THE NETWORTH TRACKER
List your assets.
List your debts.
Subtract the two.
That number is your starting point.
And starting is powerful.
If you’re doing the challenge, share this episode and write “Day 2 complete. I know my number.”
We’re building financial confidence through facts, not fear.
Let’s keep going.

Welcome to Day 1 of the 7 Day Money Reset.
Today we’re not budgeting. We’re not cutting. We’re not judging.
We’re observing.
Most people say they want to be better with money but they don’t actually know where their money is going. And when they do look, shame creeps in.
This episode is about removing the shame and building awareness instead.
Because you cannot change what you refuse to look at.
In this episode we talk about:
• Why tracking your spending is not about restriction
• How avoidance keeps you stuck financially
• The difference between awareness and self punishment
• How to complete a 24 hour money diary in a way that feels safe
• Why financial clarity is power
If you grew up with financial stress, chaos, scarcity or secrecy, tracking can feel activating. That’s normal. We talk about that too.
This is about becoming the CEO of your money. And CEOs look at the numbers.
Your action for today:
DOWNLOAD THE FREE MONEY DIARY TEMPLATE
Track every dollar that leaves your account for the next 24 hours. No editing. No justifying. No spiralling.
Just awareness.
If you’re doing the challenge, screenshot this episode and share it to your story with “Day 1 done.”
Let’s reset.

Some days you wake up focused.
Disciplined.
Clear.

And some days… you don’t.

No motivation.
No drive.
Just tired. Flat. Over it.

In this episode, I’m talking about what to do on the days you don’t feel inspired to transform your life.

Because the truth is
motivation is unreliable.

And if you only take action when you feel like it, you’ll build a life that moves in emotional swings instead of steady progress.

I share:

• Why lack of motivation doesn’t mean you’re lazy
• The difference between burnout and avoidance
• How to keep promises to yourself when you feel flat
• Why discipline is an act of self respect, not punishment
• Practical ways to lower the bar without abandoning your goals
• The identity shift that makes consistency easier

This is not a hustle harder episode.
It’s a grounded kōrero about personal responsibility, nervous system regulation, and doing the next right thing even when you don’t feel like it.

Because you are not the cost of living.
You are not the economy.
You are not your mood.

You are the CEO of your habits.

If you’ve been waiting to “feel motivated” before taking action, this one is for you.

Listen now and reset your standard.