Kernel
It's No Secret
It’s No Secret is a podcast for Kiwis who want their money questions answered. Are you wondering when the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting? If yes, you’re in the right place. Join the Kernel team, alongside some special guests, as they take you through the ins and outs of all things finance, money, property, investing and building wealth so you can move towards achieving financial freedom. Each Wednesday, we’ll release one episode that answers a specific money question. No l...
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Episodes
Bonus Episode: Money Moments with Rosey Nathan - Career Transitions, Salary Negotiations and Building Women's Financial Confidence 26.08.2021 48:56
Hi money-chatting friends! Happy Friyay - congrats, you made it! To finish off the week, and kick the weekend off with a bang, we’re bringing you another bonus Money Moments episode. Money Moments is where we chat to real Kiwis about their experiences with money - the ups, the downs and everything in between. Today we're joined by Rosey Nathan, Partner at Customise Talent Group , Chief Comm...
17. Investing 102: I've Made My First Investment, Now What? 23.08.2021 1:02:59
Hello there money-chatting friends! In today's episode, we're answering the question of... I'VE STARTED INVESTING IN THE SHAREMARKETS, BUT NOW WHAT? This episode we're here to level up your investment game. Investing jargon? We take it on. Diversification, come at us. Re-cap of maths class, stats galore, discussions around exit strategies. You name it, we cover it. What&ap...
Bonus Episode: Money Moments with Ben & Tom Grooten - Running a Family Business, What Success Really Means, Employee Wellbeing, Teaching Kids About Money and Making Sacrifices for Business 19.08.2021 36:38
Welcome to another bonus episode of It’s No Secret! Money Moments is where we chat to real Kiwis about their experience with money - the good, the bad and the hilarious. Today on the pod, we're joined by brothers Tom & Ben Grooten. The Grooten family has been a part of New Zealand's FMCG market over the last 40 years, founding and running Dad's Pies and The Baker's Son . T...
Bonus Episode: 3 Timely Money Reminders During Lockdown 18.08.2021 28:11
Hello there money-loving, fellow lockdown listeners! We're back, this time with a bonus episode as we find ourselves with some new found time on our hands. In light of NZ's sudden lockdown, we thought it might be fun to jump on and share a few reminders of what you could be doing money-wise during lockdown. So, without further ado, this episode focuses on: 3 TIMELY MONEY REMINDERS DURING...
16. Why is Money Such a Driving Factor of Our Career? 16.08.2021 40:40
Hello there money-chatting friends! In today's episode, we're answering the question of... WHY IS MONEY SUCH A DRIVING FACTOR OF OUR CAREER? This is a BIG question to answer, and one that we think applies to everyone in some shape or form. Society tells us to chase our dreams, do what we love. Never work a day in our lives but also make sure you're financially independent, that...
15. What Should I Be Doing With My Money In My 20s, 30s & 40s? 09.08.2021 30:09
Hello! In today's episode we are answering the question of... WHAT SHOULD I BE DOING WITH MY MONEY IN MY 20s, 30s AND BEYOND? The timeline of life (gah!) In your early 20s, you're starting your career, mid 20s, you're learning, late 20s you're gaining momentum and maybe starting to think about kids. 30 comes, you feel a bit old, the kid pressure continues, it's likely you&...
Bonus Episode: Money Moments with Cat & Christine - Being a First Home Buyer, Renovating Property, Investing in Yourself, Money and Mental Health, Personal Development and Spreadsheets 28.06.2021 37:09
Happy Tuesday Listeners! Welcome back to another bonus episode of It’s No Secret, we've missed you. Whilst Season 2 is not quite ready to launch, here's a cheeky Money Moments catch up with your co-hosts, Cat & Christine. Today on the podcast, we chat through what we've been up to since the end of Season 1 - including what we've been spending our money on, prioritising in...
14. Does Every Relationship Need a CFO & How Do You Combine Finances with Someone Part Two 02.06.2021 26:07
Hello! In today's episode we are answering the question of... DOES EVERY RELATIONSHIP NEED A CFO AND HOW DO YOU MERGE FINANCES WITH YOUR PARTNER? Today's show is part two of our money and relationships roundtable, where we are joined by two guests, Ollie and Luke. We've roped our significant others into the podcasting fold for a money and relationships tell all...now we're bac...
Bonus Episode: Money Moments with Jervis Koo - Budgeting, Credit Card Debt, Investment Clubs, Passive Investing and Cryptocurrency 25.05.2021 43:40
Hello and welcome to another bonus episode of It’s No Secret. Money Moments is where we chat to real Kiwis about their experience with money - the good, the bad and the hilarious. Today on the pod, we’re joined by Jervis Koo. Jervis is the Digital Director of boutique agency, Unco, a Kernel investor and of course a friend. In this episode, Jervis shares how he went from rags to riches, literally...
13. Does Every Relationship Need a CFO & How Do You Combine Finances with Someone Part One 17.05.2021 24:32
Hello! In today's episode we are answering the question of... DOES EVERY RELATIONSHIP NEED A CFO AND HOW DO YOU MERGE FINANCES WITH YOUR PARTNER? On today's show we are joined by two guests....drum roll please! Meet Ollie and Luke. The long-suffering partners of your two hosts who kindly agreed to share their experiences in this roundtable discussion about money and relationships. This c...
12. How Quickly Can I Become a Millionaire? 10.05.2021 22:38
Hello! In today's episode we are answering the question of... HOW QUICKLY CAN I GET TO BEING A MILLIONAIRE AND IS THERE A DIFFERENCE BETWEEN BEING RICH AND BEING WEALTHY? With the reality that many city dwellers (even first home buyers) having to pay upwards of a million dollars for a property, does that make us all millionaires? And why would we want to be a millionaire or even care? Is the...
Bonus Episode: Money Moments with Armin Svoboda - Money Management, Investing in Shares, Cryptocurrency and Property & Money in a Relationship 06.05.2021 35:13
Hello and Happy Friyay! Here’s to a beautiful weekend full of lots of podcast listening. To kick the weekend off, we’re back with another Money Moments bonus episode; where we chat to real Kiwis about their experiences with money. Today we're joined by Armin Svoboda, Head of Digital at Kernel, and previous semi-professional rower. From a young age, Armin has had a keen interest in business a...
11. How Much Financial Planning Is...Too Much? 03.05.2021 23:57
Hello! In today's episode we are answering the question of... HOW MUCH FINANCIAL PLANNING IS TOO MUCH FINANCIAL PLANNING? We all have different levels of financial planning we like to do. Some like to get knee deep in the excel spreadsheets and others avoid it like the plague. So which one are you? And is there a balance we can strike between having clarity over our finances by planning, an...
10. Part 2: How Do I Start Investing in the Share Markets? 26.04.2021 25:23
Hi friends, today on the show we are tackling part two of the question... HOW, WHY AND WHEN SHOULD I START INVESTING IN THE SHARE MARKETS? If you haven't listened to part 1 of this episode, stop and go back to listen now. In this episode Cat and Christine continue the conversation around getting started with investing, including how they both got started and what they're investing in now...
Bonus Episode: Money Moments with Briony McKenzie - Money Mindsets, Financial Security vs Financial Freedom, Journey to Investing & Making the Leap from Corporate Job to Entrepreneur 22.04.2021 38:35
Happy friday - we made it! And to kick off this weekend, welcome to another Money Moments bonus episode; where we chat to real Kiwis about their experiences with money. Today we’re joined by Briony McKenzie , a Life and Business Coach, and the founder of Untapped . While supporting clients with their personal and professional development, Briony has also created a Money Mindset program and is part...
9. Part 1: How Do I Start Investing in the Share Markets? 19.04.2021 33:21
Hi friends, this episode is longer than usual but we promise it's worth it! Today on the show we are tackling the question... HOW, WHY AND WHEN SHOULD I START INVESTING IN THE SHARE MARKETS? With the recent rise of new investing platforms in both New Zealand and overseas, we're seeing more and more people starting to dip their toes in the share market waters and give investing a go. But...
8. How Do You Plan and Pay For Large Short Term Expenses 12.04.2021 23:46
Hello! In today's episode we are answering the question of... HOW DO YOU PLANS FOR AND THEN PAY A LARGE SHORT TERM EXPENSE? In your 20s, 30s and beyond it sometimes feels like you're in the height of adulting that comes with pretty lumpy costs - things like moving overseas, buying a car, looking after your health, getting pets, weddings, honeymoons....the list goes on! Layered on top o...
Bonus Episode: Money Moments with Kalé Emery - Starting a Business, Getting Financial Advice, Money Mentors and Driving Your Own Path. 08.04.2021 25:27
Happy friday and welcome to another Money Moments bonus episode; where we chat to real Kiwis about their experiences with money. Today we are joined by Kalé Emery , Co-Founder at The Money Men , mental wellbeing enthusiast and all round great bloke. Kalé is not only an awesome financial adviser (which you'll be able to tell from this episode) but he also walks the walk in his own financial l...
7. Is Starting A Business Really Worth It? 05.04.2021 22:36
Hello! In today's episode we are answering the question of... IS STARTING A BUSINESS REALLY WORTH IT? Every millennial these days wants to create a passive income and a side hustle. The idea of making money sounds attractive, but what is the reality that comes along with it? Starting a business is so much more than simply reserving a URL or an Instagram handle. Is it really worth all the time...
6. How Much Debt is Too Much Debt? 29.03.2021 21:15
Today on the show we are tackling the question of: HOW MUCH DEBT IS TOO MUCH DEBT? Welcome to the debt life, we love it here. Just kidding - sometimes we do and sometimes we don't, it really depends on what debt we're talking about and when you asked us. Most of us would know, not all debt is created equal - there are good debts and bad debts. But how do we know whether the amount of deb...
5. Do I Actually Need To Think About Retirement In My 20s & 30s? 22.03.2021 22:20
Today on the podcast we are tackling the question of: DO YOU ACTUALLY NEED TO START PLANNING RETIREMENT WHEN YOU'RE IN YOUR 20s & 30s?! Retirement. A far-away idea, but one that's most likely going to be a reality for us all. If you're in your 20s or 30s, the question of whether you're going to have enough money to retire with has probably crossed your mind. Buuut it might...
Bonus Episode: Money Moments with Mikayla Hopkins - Financial Comparison, Learning to Budget and Investing in Property. 18.03.2021 26:50
Welcome to a very special episode of It’s No Secret - the first of our Money Moments episodes, where we chat to real Kiwis about their experiences with money. As you've come to expect from us, we talk through the good, the bad and the ugly, with a fair dose of radical honesty. For our first Money Moments episode, we are joined by Mikayla Hopkins - Chief Marketing Officer at The Face Place a...
4. Investing with Family: Should You Do It For Love or Money? 15.03.2021 23:19
Today on the podcast we are tackling the question of Investing with Family: should you do it for love or money? Investing with family members can come in many forms; from the Kiwi dream of owning property, running your own business, investing on behalf of a family member or providing financial assistance for cultural reasons. And whilst there can be many pros to helping others, particularly those...
3. Is Financial Comparison my Friend or Foe? 07.03.2021 20:52
Hello and welcome to another episode! Episode three of It's No Secret tackles the question... IS FINANCIAL COMPARISON OUR FRIEND OR FOE? Comparison, when it comes to money, can be such a slippery slope or it can be a blessing. It's something we all do, just not out loud. I'd argue that you're probably lying to yourself if you think you don't compare or at least think about...
1. Am I in Control of My Money or Does it Control Me? 07.03.2021 20:21
Hello and welcome to our first episode of It's No Secret, today we're tackling the question... DO YOU LET MONEY CONTROL YOUR LIFE? We're unpacking this question because your relationship with money is the absolute starting point of your financial journey. How you feel about and approach using money impacts so many areas of your life - in both the positive and negative. In this epi...
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