The Prosperity Project

New Zealanders owe 9.5billion dollars in overdue tax, with small business owners and the self-employed most likely to get behind.
Director of Future Focused Accountants, Catriona Knapp, joins Nadine to explain what can go wrong if you don't get on top of your tax obligations and why it's better to face the debt head-on than bury your head in the sand.
With the IRD cracking down on collecting overdue tax, now is the time to school up on what you need to know to avoid a knock on your door from the taxman.
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Interest rates are rising again, fuel prices are climbing and many homeowners are wondering what to do next. But according to Squirrel mortgage adviser Adam Clark, too many Kiwis are focusing on the wrong things.
In this episode of The Prosperity Project, Adam joins Nadine Higgins to unpack the psychology of mortgages, why obsessing over tiny rate differences can backfire, and the financial habits that quietly cost borrowers hundreds of thousands over the life of a loan.
They also dive into refinancing, cashback offers, fixing strategies, mortgage structures, EV lending and the dangerous temptation of “cheap debt”.
Plus:
Why banks hike rates before the Reserve Bank moves
The truth about cashback “free money”
Why fixing for the shortest term isn’t always smartest
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It's one thing to talk about money, and and something else entirely to talk to it. But for Rachel Davies, that shift changed everything.
Rachel and her Hi Money co-founder Angela Meyer join Nadine to unpack the emotional side of money. From avoidance and binge spending to deeply held beliefs about luck, scarcity and security, they argue most of us don’t have a knowledge problem, we have a relationship problem.
They share the therapy-style exercise that reframed their thinking, why so many people still rely on “it’ll work out somehow”, and the hidden costs women face, from the wage gap to the pink tax.
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Helping your kids get ahead financially sounds simple, but get it wrong and things unravel fast.

Wealth and succession lawyer Andrew Clements has seen what happens when it goes wrong, from family disputes to parents losing their homes. He joins Nadine Higgins to talk about why undocumented support can become a legal minefield, his one firm rule against guarantees, and why even advice from banks can put families at risk.

Plus, why treating support as a loan not a gift can protect both your money and your relationships, and the one conversation every parent should have before offering help.
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Imagine having a financial adviser in your pocket. With AI innovations transforming what finance apps are capable of, that reality might not be too far away.
Instead of just tracking your spending, saving and investments, advances internationally are increasingly seeing the apps able to do everything from scanning the market for better deals or returns, to making recommendations and then executing them on your behalf.
Josh Daniell, the co-founder of Akahu – which connects bank accounts to third-party tools like tracking apps – joins Nadine to talk through the rapidly evolving world of finance apps.
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