MMS #56 | Five big money myths holding you back financially
In this episode of Money Made Simple, Jennie and Liv take on the top five money myths that keep holding Kiwis back from building financial confidence - and wealth! From saving when money is tight to whether credit cards are always “bad,” they tackle some of the most common misconceptions with real-life examples and practical advice you can actually use. This episode covers:Why “I don’t earn enough to save” is almost never trueThe truth about credit cards: when they can be helpful, and when they become dangerousWhy buying a house isn’t always better than renting, and how to think about what’s right for youBusting the belief that you need to be rich to invest (spoiler: you don’t!)How budgeting doesn’t kill your fun; it can actually make spending more enjoyable!By the end of this episode, you’ll see that a lot of the financial “rules” we grew up hearing don’t stack up. We aim to provide you with a clearer view of how to make your money work better for you, no matter where you’re starting from.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
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Economy Made Simple #7 | Capital, leadership and NZ's future
In this episode of Economy Made Simple, Shamubeel Eaqub sits down with Sam Stubbs, founder of Simplicity, to explore the intersection of personal journeys, global finance, and the future of New Zealand’s economy. From growing up in the depths of West Auckland to investment banking at Goldman Sachs, Sam shares lessons from his career and why he ultimately came back to try and build something for everyday New Zealanders.Together, Shamubeel and Sam unpack what global capital flows mean for a small country like New Zealand, the unique opportunity being created by KiwiSaver, and how leadership, luck, and resilience shape both personal and national success stories. This episode covers:Sam’s journey from West Auckland to Goldman Sachs, and back home againHow the global finance industry views New Zealand... and why we often get overlookedThe role of KiwiSaver in reshaping capital flows and creating opportunities for local investmentWhat New Zealand can learn from Australia’s superannuation model and strong infrastructure growthWhy leadership, culture, resilience and curiosity matter for building great organisations - and great economiesBy the end of this episode, you’ll gain a fresh perspective on how global and local capital interact, why KiwiSaver could be a game-changer for New Zealand’s future, and what it takes to lead with resilience and humility in this tricky, rapidly changing world.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
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MMS #54 | The great Kiwi housing debate: Renting vs. Owning (what's smarter?)
In this episode of Money Made Simple, Jennie and Liv tackle the common Kiwi dilemma: Should you rent forever, or is it better to save up and buy your own home? They unpack the real-world costs on both sides (not just mortgage vs rent), discuss the lifestyle trade-offs, and how today’s market settings can tilt the decision either way. You'll get a run down of general ownership expenses, rent realities, and practical ways to stress-test what’s right for you and your whānau. This episode covers:The latest NZ home-ownership and house pricing trends - and what they might mean for first-time buyersThe upfront and ongoing costs of owning a house, vs renting itHow to compare a “typical” mortgage on a $1m home with current rent levels in big centres Lifestyle trade-offs: flexibility and predictability of renting vs stability and control of owning A simple framework to help you decide what fits your budget, goals and season of life Resources included in this episode:- REINZ monthly housing market data- Statistics NZ Census data on home ownership- CoreLogic's Housing Affordability report- MoneyHub's guide to home insurance- Sorted.org's Home Buying GuideBy the end of this episode, you'll hopefully have a clearer idea of the pros and cons of renting vs buying, along with a realistic view of the actual costs for each so you can make your own informed decision!---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
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MMS #53 | Smarter spending tips for the (long-term) win!
In Part 2 of our “Save and Spend” series, Liv and Jennie are back to talk about the fun side of money: spend spend spend! But even spending can go sideways if you’re not intentional about it (cue: Jennie's fave Want Monster). This episode explores how to spend smarter, not harder - and how investing in the right things can save you money, stress and regret down the track! This episode covers:Why “buying cheap” often costs more in the long runHow to balance quality with affordability on everything from clothes to cookwareWhy and how spending on yourself is the smartest investmentHow to plan and nail big-ticket spending like upgrading your homeWhy it’s worth spending money on professional advice for the big decisions in lifeResources mentioned in this episode:- Sorted.org's great budgeting tool to get your spending under control- The Sorted KiwiSaver fund finder- MoneyHub's guide: Frugal decisions that backfire- Sorted.org's savings calculator- The list of independent Financial Advisers (thanks to MoneyHub!)Whether it’s investing in your health, buying quality over quantity, or avoiding false savings, this episode encourages a more conscious approach to spending. We encourage you to look at your next purchase through a long-term lens - checking "Will this serve me in the long run?".---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
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Economy Made Simple #6 | Ashley Bloomfield on leadership,health and the COVID-19 response
In this very special episode of the Economy Made Simple, Shamubeel Eaqub sits down with Sir Ashley Bloomfield, New Zealand’s former Director-General of Health, to talk about what we’ve learned from the COVID-19 pandemic - and how those lessons could help shape our collective future.This thoughtful conversation touches on the complex intersection between public health, the economy, leadership and trust. It’s an honest but also hopeful discussion that sheds light on what it takes to lead through uncertainty - and how we might rebuild a more resilient, empathetic society.This episode covers:Sir Ashley's background, what led him to his Director-General role and where he's gone sinceWhat New Zealand did well (AND not so well) during the COVID-19 pandemicThe link between public health and a strong economyHow leadership, communication and trust matter in moments of crisisLessons from the lockdowns that still apply today, from wellbeing to social cohesionSir Ashley’s reflections on personal resilience and what drives him todayWhether you're interested in leadership, public policy or simply navigating uncertain times, this episode offers a timely perspective on what it takes to foster resilience — in ourselves, our communities, and our economy.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.
Welcome to Money Made Simple, a family of NZ-based financial literacy podcasts from Simplicity which keep it simple and get straight to the point. We want ALL Kiwis to have dignity, and a dignified life is one with choices. What can help with more choices? More money. So we're here to make Kiwis richer and smarter with money.MONEY MADE SIMPLE WITH JENNIE AND LIV:Join co-hosts Liv and Jennie on a fortnightly basis to help you understand the basics around money, finances, investing, KiwiSaver, and planning for a better future. We aim to provide information in a bite-sized, easy-to-listen way that simplifies the jargon. 'Cos who's got time for that! We want you to feel empowered and confident when thinking about money and investing - whether that be via KiwiSaver, investment funds, the share market, property, or whatever suits you.THE ECONOMY MADE SIMPLE WITH SHAMUBEEL EAQUB:Join Shamubeel Eaqub, Simplicity's Chief Economist, on a monthly basis to help you understand what's happening in the economy, job market, politics and financial markets. Tune in to get economic updates, interviews with NZ's key movers and shakers, and deep dives into topics you might want to understand better.You can join the Simplicity community via the following channels:Instagram: https://www.instagram.com/simplicity_kiwi/Facebook: https://www.facebook.com/simplicitykiwiLinkedIn: https://www.linkedin.com/company/simplicity-kiwi/Or check out our website: https://simplicity.kiwi/Cheers for listening - we appreciate each and every one of you %)
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