It's No Secret

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the second of six bonus episodes, as part of our summer podcast series. The summer series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets. This week, we're chatting about Money and Career - how we intertwine our job titles and salary with our s...

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the first of six bonus episodes, as part of our summer podcast series. The series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets. We’ll cover a range of topics from how money is intertwined with our career, to what the heck cryptocurrency is and ho...

Following on from part-one of our two part 2021 Financial Review series, today's episode takes a look back at 2021; how we went financially, whether our personal net worth values have changed and by how much, and why.  Specifically, we chat about:  What to do with new inflows of cash as we meet new financial goals and fee up cash Scenario planning for your finances in 2022 – i.e. growing your...

Today on the podcast we take a look back at 2021; how we went financially, whether our personal net worth values have changed and by how much, and why. A financial check-in heading into 2022, if you will.  As the wild and wonderful year that has been comes to an end, we round out our season with a two-episode reflection series which you can take away and apply to your own financial situation.  Whi...

Today on the podcast we're back for part two of our insurance series. If you haven't listened to part one, stop right now and go back to our previous episode. It's one not to miss. This podcast will also make a lot more sense after listening to the first one too!  Insurance is one of those things that deep down, you know it's important to have but perhaps don't realise the...

Insurance is one of those things that deep down, you know it's important to have but perhaps don't realise the value of it until it's too late. These days, it feels like there is an insurance policy for everything - income protection, life, health, contents, car, house, travel...the list goes on. So how do we decide which ones are most important to pay for? Should we have them all?...

Today on the podcast, we're joined by Dean Anderson, Founder and CEO of Kernel (and our boss!).  Kernel Wealth is an index fund manager and investment platform that helps Kiwis grow their savings over the long-term. Previous to founding Kernel, Dean held roles in the financial services industry, notably as Head of Product at Smartshares and a Data Analyst at the NZX. He's a self proclaim...

Today on the podcast we're joined by Dalaney Davis , Mindset Expert and Growth Strategist. Dalaney is a life and business coach who works with thought leaders and entrepreneurs to start and grow their businesses. Prior to coaching, Dalaney had another life working in the blockchain world early on, focusing on educating people on its positive global social impact. He's very knowledgeable...

For those of us in adulthood that have a relationship with our parents, there comes a time where you suddenly realise your parents don't actually know everything and chances are, there are things you may know more about than them. ⁠ ⁠ This of course could be anything. Our parents might know more about the specific field they work in or have more life experience, but if we're more literat...

Often we talk about wanting to achieve financial freedom, how to budget, invest and grow our money but this topic of changing our mindset around money can be forgotten. But, how we think about money determines the role it has in our lives. Our purpose and the "why" behind our money can directly influence the 'how'. This is a topic that we're both particularly passionate ab...

Today on our Money Moments episode, we're joined by Rebecca Keil, Social Media Influencer, Comedian, Mum and all-round great human. Most NZ parents have probably come across Rebecca on Instagram - after she burst onto the social media scene in 2016, building an audience due to her authentic and super candid content. Rebecca lives in Christchurch with her young whānau - her two kids Rocky and...

 Society tells us that getting on the property ladder for the first time is the hardest thing you can do, but no one ever talks about what it's like after that. So today we're answering the question "Once I'm on the property ladder, how do I take the next step?". We hear success stories in the media about owning 5 houses, but what if that's not what we want? Or if we...

Hello and welcome another Money Moments bonus episode; where we chat to real Kiwis about their experiences with money. Today we're joined by Briony McKenzie for the second time! Briony is a Life and Business Coach and the founder of Untapped . If you haven't listened to our first episode with Briony yet, we'd recommend going back and having a listen. If you're a regular listene...

Welcome to part two of us answering how you actually buy a house as a first homeowner! Cat & Christine pick up the conversation from part one to discuss who you need in your first home buyer support crew, some strategies and tactics around buying, the differences in the ways to actually buy a house and more. We're here to debunk a few of these myths and help you *actually* figure out how...

Hi friends, today on the show we are tackling the question "How do I actually figure out how to buy a house?". Regardless of where you live, the idea of owning your own home is probably on your wish list, or has been at one point. Us Kiwis LOVE buying property. And fair enough, after all investing in property has worked really well for most in the past.  What's in the episode? Often...

The last 18 months has driven thousands of Kiwis to take an interest in investing through online platforms. So, how should you be tackling investing as a DIY investor? There’s more to it than meme stocks, FOMO and the S&P 500 right? Correct. Today we run through the 5 Ds of DIY investing that everyone, no matter how experienced, should know about. In case you missed it, last week was World Inv...

There are lots of kinds of debt - some good and some not so good. Good debt, like a mortgage, can help you grow your wealth over time, whereas bad debt like personal loans and credit cards can detract from it. But how much of a burden is debt on our mental, physical and financial wellbeing? Did you know that 17% of Kiwis say their credit card bill is their leading cause of financial stress. Gah! I...

Hello and happy Tuesday! In today's episode we answer the question of whether women are as involved in our finances as we want to be/need to be/should be/or the media tells us to be? This is a massive topic and one that we are both pretty passionate about...after all, we are women. There are so many facets to this topic, and before you roll your eyes thinking this is going to be a rant on fem...

Should we be investing in crypto?! Understanding the deep and confusing world of crypto was something that we were putting off learning. But we kept hearing about Bitcoin, Ethereum, NFTs and blockchain, so it's time to figure out once and for all, if cryptocurrency is an investment option we should be considering. Now, we are most definitely not crypto experts, in fact we really don't kn...

Welcome to another Money Moments episode of It's No Secret, where we chat to real Kiwis about their experiences with money.  Today we're joined by Jack Niven, Account Manager at NZME , avid rugby player and coach, and of course all round awesome guy.  In today’s episode, Cat and Christine chat to Jack about everything from buying a property at 20, to starting a business while studying as...

Hello & Happy Tuesday everyone! In today's episode we're answering the question of...  HOW DO I FIGURE OUT IF I'M IN THE RIGHT KIWISAVER FUND? If you're not thinking about retirement now, then it's time to start. Whether you're in your 20s, 30s, 40s or beyond, working towards building up a financial cushion NOW that you can retire with LATER is incredibly importan...

Hello our lovely listeners! Welcome back to another bonus episode of It's No Secret, this time a Money Moments check in with Christine and Cat.  We received such great feedback from you about our first Money Moments episode that we thought we would make it a regular thing. So here you are!  Today on the podcast we reflect on the last 3 months of our financial lives, plus set some small achiev...

Hello there money-chatting friends! In today's episode, we're answering the question of...   HOW DO WE JUSTIFY THE COST OF INVESTING IN OURSELVES? Should you always put yourself first when it comes to your finances? Society tells us to invest in tangible assets and be selfless, that generosity for others is a quality to be admired. But what about generosity for ourselves? You can have al...

Welcome to another Money Moments episode of It's No Secret, where we chat to real Kiwis about their experiences with money. Today we're joined by Danni Duncan . Danni is a content creator and social media influencer living in the sunny Hawkes Bay with her husband Alex and fur baby Stanley. Originally from Christchurch, Danni trained and worked as a Speech Language Therapist before transi...

Hello there friends! In today's episode, we're answering the question of...   WHY IS STICKING TO A BUDGET SO DARN HARD? We've probably all tried to create a budget, then tracked it for a month, fallen off the band wagon...after trying this very cycle again in a few months. But why?? Society tells us that we need to have a budget and if you don't have one...get one asap. OR if y...