She Owns This

House price headlines say property is more affordable. So what does $500,000 actually buy across New Zealand right now? Stevie found six real listings and dug into the details the advertising copy leaves out.
In this episode:
Six real $500K property listings across Howick, Christchurch, Lower Hutt, Southland, Wellington and Auckland Central, compared side by side
Why a one-bedroom no-carpark apartment in Auckland has a 2.9% yield and almost no resale buyer pool
Why Linwood in Christchurch is one of the more sensible $500K buys on the list right now
Why Stokes Valley in Lower Hutt has seen the biggest house price fall since peak anywhere in NZ
The Wellington apartment with $10,000 a year in body corporate fees that's sold for less than it did in 2017
The Auckland Central listing that looks like incredible value until you spot the GST exclusion and the management lease locked in until 2028
Why bare land in Southland isn't an investment property, no matter how good the price looks
What the $500K market actually reveals about where NZ property is genuinely accessible right now, and where it only looks that way

The price is just the starting line. What it actually buys you is the real story.
Women should own half the world. Come own it with us.
Don't forget to like and subscribe, and follow us on
Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

OCR, Swap Rates, Market Bubbles, Short Selling, Hedging and more.
The finance industry runs on jargon that is designed to make you feel like an outsider. This episode is the antidote. We decipher the terms, plain English, real analogies, and a rapid-fire format that actually makes it fun.
In this episode:
OCR explained: how the Reserve Bank uses it to control inflation and your mortgage rate
Swap rates: why your fixed mortgage rate is set by markets, not the Reserve Bank
Market bubbles: the dot-com crash and Nefe's rule of thumb for spotting hype
Mean reversion: why prices always come back to their historical average
Market capitalisation: small cap, mid cap, large cap, explained simply
Economic moats: why some companies are nearly impossible to compete with
Short selling: the handbag analogy and the GameStop story
Futures contracts: the carpet analogy and the turnkey building connection
The finance industry benefits from complexity. The actual concepts are not that hard. Here is the proof.
Women should own half the world. Come own it with us.
Don't forget to like and subscribe, and follow us on
Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

New Zealanders paid $19.7 million in BNPL late fees in 2025. Afterpay's NZ revenue grew 17.4% - during a recession. And 1 in 5 users paid at least one late fee.
This episode of She Owns This explains exactly how these platforms are designed to work on your brain, and your wallet.
You'll learn:
How Afterpay, Zip, and Klarna actually make money in NZ
The NZ consumer data most people haven't seen
The three psychological tricks that make BNPL feel different from debt
Why $100 a fortnight in BNPL repayments redirected into an index fund at 8% average annual return could earn you
Buy Now Pay Later isn't free. It's deferred. And the cost of buying things this way instead of saving for them first shows up over years, not weeks.
Women should own half the world. Come own it with us.
Don't forget to like and subscribe, and follow us on
Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

We're in one of the longest property downturns in NZ history. Townhouses are everywhere. And investors are asking the question nobody wants to answer honestly. This episode brings the data — and argues both sides.
In this episode:
The number that changes the debate: Auckland townhouses fell 22% from peak. Standalone homes fell 22.9%. The market did this — not the property type
32 years of NZ property data: townhouses vs standalone homes grew at a 0.6% difference over 26 years — less than 1%
The building boom in context: townhouses were 6% of new NZ builds in 2012. By January 2026 they were 43.8% — and what that actually means for supply and demand
Why affordability sustains townhouse demand: with stand-alones at $1,050,000 and townhouses at $750,000, first home buyers are 37–41% of Auckland townhouse purchases and aren't going anywhere
Smaller NZ households, more solo living, and cultural shift: why the quarter-acre dream is changing — and what 22.8% single-person households means for compact housing demand
Why location outperforms property type every time
Christchurch property market 2026: down from 8% undervalued to 2.3% — and why 25% townhouse penetration hasn't slowed the recovery

Don't confuse a bad market cycle with a bad property type. And don't let three years of data substitute for thirty-two.
Women should own half the world. Come own it with us.
Don't forget to like and subscribe, and follow us on
Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

Money is one of the leading causes of relationship tension in New Zealand. Not because couples don't love each other, but because most of us were never taught how to talk about it.
This episode gives you a framework, the legal reality, and permission to do it your way.
In this episode:
The three models NZ couples use to manage money: fully combined, hybrid, and fully separate - when each one works, when it doesn't, and the legal landscape sitting underneath all three
Why the fully combined model creates resentment when money personalities don't align, and what to do instead
The hybrid model in practice: how to set joint contributions fairly when one partner earns significantly more
The fully separate model: why it works for some couples, why a relationship property agreement is non-negotiable if you use it, and why it's not a statement about commitment
The income disparity conversation most couples avoid -and why non-financial contributions like caregiving and project management have real dollar value that needs to be in the model
The five money questions every couple should answer before choosing a financial model - ideally before the mortgage, the wedding, or the baby
The right model isn't the conventional one. It's the one both people have honestly agreed to and genuinely understand.
Women should own half the world. Come own it with us.
Don't forget to like and subscribe, and follow us on
Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast