The Prosperity Project

Trusts are billed as a way to protect your assets and pass your wealth on to the next generation, and they’ve become a common thing for a family to set-up.    But the rules around them have changed significantly over the years – so are they still useful, or more hassle than they’re worth? Henry Stokes is a trust specialist and Perpetual Guardian’s General Council,...

We all know that ‘til death do us part’ doesn’t always end up that way, even if we don't like thinking about it. But divorce can be financially devastating, and some simple errors can make that process even more costly and difficult than it needs to be.  Enable.me financial adviser Shelley Palman, who has been through divorce herself and coached countless clients through the...

It’s one thing to decide to move on from a job or career, but what happens when you’re at the top of your game and your job just... evaporates?  After many years as a television journalist, Melissa Chan-Green was co-hosting The AM Show on Three when Warner Bros. Discovery announced it was closing Newshub and its associated shows.   So how do you navigate the financial si...

When it comes to investing, we all know the usual suspects – shares, bonds, property, gold.  But the latest Financial Services Council report found 7% of people have ‘collectables’ among their investments.  So what makes something you like to collect an investment ... and how do you make money out of it?  Gertjan Verdickt is a finance expert at the University of Au...

The Māori Millionaire Te Kahukura Boynton is a young wahine on a mission to change not just her own money mindset and financial trajectory, but that of her people.  At just 21, she is a podcaster, entrepreneur and now the author of Māori Millionaire – A Beginner’s Guide to Building Better Money Habits. She joins Nadine this week to talk her journey, how close she is to becoming a...

New Zealanders are among the most underinsured in the OECD, according to the Financial Services Council.   We insure our cars, our houses and our other stuff, but not what is arguably our biggest asset - ourselves.  Givealittle fundraisers for families that have hit hard times and need help have become increasingly common. But is insurance the answer, and if so, why don’t more...

After a decade in a career, it’s perhaps not unusual that you’d consider doing something different, but some career changes can be bolder than others.   Morgan Penn is a somatic sexologist, and co-host of the multi-award-winning juggernaut of a podcast, Sex. Life.   But before that, she spent 15 years in the media – so this was not just your regular run-of-the-mill...

Sharemarkets have been like the wild west this year. We’re told to ‘buy the dip’ because that’s when shares are on a big briscoes-esque sale, but before you know you’ve blinked, and the dip is done So if you’re just getting started dabbling in investing and have been thrown by the year's events so far, what do you need to know about the mechanics of it? How do y...

Owning a pet can bring aso much joy to your life - but it can also bring some big expenses.  Some people can spend a fortune on their pets, and as they get older, those costs often increase. And that's before you factor in breeds and how that can impact what you spend.  To talk about some of the costs that you need to be prepared for, this week Nadine is joined by Michelle de Long, chief...

The Government has unveiled the latest Budget, and it is full of things that are likely to affect your back pocket in one way or another – with changes to KiwiSaver, Best Start, JobSeeker benefits, and Working for Families.  If all the headlines sent you a bit cross eyed, don’t worry - today we’re going to step you through the detail so you know what you’re dealing wit...

Buying property is one of the biggest financial commitments you’ll ever make, and in this country, it can be really difficult to achieve.   For most of us, the most important first step is to qualify for a mortgage.  So, how do you improve your chances of getting the lending you need to be in the market, and what do you need to know about what you’ve signed up for? ...

The average wedding in New Zealand is on the rise - once thought to be around $30,000, that cost for higher-end weddings has doubled in recent years. Finance companies often feature pictures of weddings when touting their high-interest loans, but debt is no way to start your life of wedded bliss. So how can you avoid financial stress when planning your big day?  This week, Nadine is joined by...

Kiwis are pretty familiar with the idea of investing in property, but more often than not, it’s in houses, apartments, or other types of residential property.  But more and more people are asking if they should instead consider commercial property. This week, Nadine talks with CEO of property investment firm Rethink Group, and commercial property investor, Scott O’Neill, to discus...

How long could you last if your income stopped tomorrow? Culd you handle a big, unexpected bill without going into debt? And how often do you worry about money?  Those are all metrics in the Financial Resilience Index, a survey on Kiwis’ money habits and stability - so what does it tell us, and crucially, what should we do with that information?  This week, Nadine is talking with t...

The path to becoming a social media influencer or content creator is one a lot of people aspire to these days - in fact, one survey suggested 57 percent for Gen Zers want that career path.  But how easy it is to get into this path, and make it pay?  Julian Sewell is a Kiwi who’s made it big on Instagram and TikTok, although you may know him as his silver haired alter ego, Paloma Di...

When the US President Donald Trump announced a pause on reciprocal tariffs last week, prompting a massive rally on the markets - he admitted he did so after watching the bond market.  So, why is the bond market so significant, and what do you need to know about how it works - especially given you likely own some in your KiwiSaver fund! Today, Nadine is joined by Matt Logan from Fisher Funds t...

More than 3.3 million New Zealanders are in KiwiSaver, and they now have more than $110 billion invested  - but too many of us are not making the most of the scheme.  So this week, Nadine is joined by finance expert, columnist and author Mary Holm, who has just revised and updated her 8th book, Rich Enough, to get some guidance on how to ensure you are making the most from the schem...

Recently, the price of gold has been hovering near record highs at over NZ$5000 an ounce - that’s less than 30 grams for those of us only versed in the metric system! It’s commonly thought of as a ‘safe haven’ asset, but why is that? How does it help your investments when the world is an uncertain place? How do you make money out of it? How do you own it? And does your jewe...

March 31st marks the end of the financial year, and while that doesn’t mean much for the average employee, it does mean that you are probably due for a pay review.   Salaries are a big topic of discussion right now – specifically, how salaries in New Zealand compare to those overseas, with so many Kiwis leaving the country.   So if you are booked in for a pay review...

If you’ve peeked at your KiwiSaver or other investments lately - it might have given you a bit of a rude shock.  With the US introducing tariffs, withdrawing them, threatening to double them, and other countries starting to retaliate, there’s a lot of uncertainty out there, and that's one thing market really don’t like.  So what do you need to know, and what – if...

Emily Owens has grim personal experience of adversity and financial insecurity – from sleeping in her car, feeling trapped by domestic violence, and becoming a widowed single mother at age 20 when her son was just 5 weeks old. But she’s channelled that experience into a meaningful career focused on helping others make good financial decisions. She shared her story of survival and findi...

Today’s episode is for anyone who’s looked at the price of houses in this country and felt a bit depressed - for many, it seems like that particular dream out of reach, so why bother trying? While housing is expensive, there are other ways to get onto the housing ladder – but there’s a fair bit you need to know to ensure it doesn’t go pear-shaped.  To help everyo...

if you have a mortgage, you’re likely weighing up your next move after the Reserve Bank cut the Official Cash Rate from 4.25% to 3.75%.  More than 80% of mortgages are due to refix this year, because most people have been opting for floating rates or short terms,  waiting for the right time to pounce as interest rates fell.  So is that time now or should you continue to wait?&...

The word ‘Retirement’ can prompt a range of reactions. Some yawn, because it’s ages away and there’s heaps of time to sort it. Some people feel a little uncomfortable because it’s not ages away, and they’re not sure if they’re sorted - and some panic because it’s just around the corner they  know they’re not sorted.   Listener Sa...

Having a baby is life-altering in every respect - and your finances are no exception.   But there are ways to navigate how much growing your family can turn your finances upside down.   Stephanie Pow is the founder of Crayon. She’s on a mission to make it easier for parents to effectively manage the dollars and cents alongside the nappies and sleepless nights.  She j...