Māori Millionaire Podcast

We’re taught to think wealth looks like luxury cars, big houses, and designer everything. But research shows that many genuinely wealthy people don’t look rich at all. In this episode, I break down why real wealth is often invisible , drawing on insights from The Millionaire Next Door and decades of research into how everyday millionaires actually live. We talk about: Why many wealthy people drive...

So many people feel behind because they’re “not investing yet.” But what if the problem isn’t what you’re investing in — it’s whether you’re actually ready to invest at all? In this episode, I break down what really matters before you invest , without stock tips, hype, or pretending to be a market expert. We talk about: Why investing doesn’t fix instability — it magnifies it The difference between...

We’re told success looks like more money, higher status, and being constantly busy. But does money actually make you happy — and if so, how much ? And what does success look like when you stop chasing approval and start chasing wellbeing? In this episode, I unpack what success really looks like to me , using research on money and happiness alongside lived experience. We talk about: Whether money a...

If you have an emergency fund… but it’s always empty — this episode is for you. In this kōrero, I break down why so many people keep dipping into their emergency savings, and why it’s not a discipline problem or a personal failure. We talk about: Why most “emergencies” are actually predictable life costs The difference between irregular expenses and true emergencies How one savings account is ofte...

Most money advice assumes you’re well-rested, calm, and thinking long-term. But most people are tired. In this episode, I talk about the money costs we rarely name — exhaustion, stress, and survival mode — and how they quietly show up in your bank account. We cover: Why tired people don’t make bad money decisions — just short-term ones How decision fatigue leads to convenience spending, late fees,...

Most people don’t buy Lotto tickets because they’re bad with money. They buy them because life is expensive — and hope feels good. In this episode, I break down why Lotto won’t make you rich , even if you “only play small” or think you’re playing smart. Using New Zealand data , we talk about: How much Kiwis actually spend on Lotto each year How much money really goes back to the community Why the...

We often talk about money as if it exists in isolation — but science shows your health and fitness play a huge role in how much you earn, how you spend, and how stable your finances feel. In this episode, I break down the science-backed connection between health and money , including: Why healthier (and often more “attractive”) people tend to earn more How energy levels directly impact earning cap...

Most money advice wasn’t built for us. It assumes no whānau obligations, no trauma, no pressure to share, and no history. In this episode, I share the Māori concepts that completely changed how I handle my money — not to get rich, but to get steady. Rangatiratanga. Tikanga. Kaitiakitanga. Te Whare Tapa Whā. You’re not bad with money. The framework just didn’t fit. 🎧 Listen now. Subscribe to my em...

This episode is part two of a longer kōrero about debt — not the tidy version, but the real one. In part one, we talked about survival, pressure, and why debt isn’t a personal failure in a cost-of-living crisis. In this episode, we talk about what comes next — gently. Not how to fix everything. Not how to become debt-free overnight. But how people actually move forward when life is still hard. We...

Debt gets talked about like it’s a personal failure. Like if you were just more disciplined, more organised, better with money — it wouldn’t exist. That’s not the reality for a lot of people. In this episode, I talk about debt from a real-life perspective — for people working one or two jobs, raising kids, living on the benefit, and still barely getting by. We talk about: • why debt is often about...

If hard work alone made people wealthy, a lot more families would already be rich. In this episode, we unpack why some families build wealth across generations while others stay stuck — and why the difference isn’t about laziness, motivation, or effort. We explore: Why work ethic is only a small part of the wealth equation How money conversations (or the absence of them) shape outcomes The role of...

Does living in a small town actually save you money, or is city life better for building wealth? In this episode, we break down the financial pros and cons of rural and urban living in New Zealand — using real numbers and evidence. We explore: Housing costs: why rural homes can be hundreds of thousands cheaper than in major cities Income potential: city salaries and job opportunities vs rural wage...

Do you ever feel guilty after spending money — even on things that matter to you? Society teaches us that some spending is “good” and some is “bad,” but that thinking can actually hold you back from feeling financially comfortable. In this episode, we explore why the labels of “good” and “bad” spending don’t work, how guilt around money sneaks in, and what intentional spending really looks like. Y...

Ever wondered what it really takes to go from negative balance to financial freedom? On this episode, I sit down with Luke Kemeys – one of New Zealand’s youngest Fellow Chartered Accountants, creator of the Keep the Change podcast, Money Mail, and a rising authority in personal finance. Luke’s journey hasn’t been easy. From struggling with credit card debt to recently hitting millionaire status ,...

“Rich people are greedy” is a belief many of us have heard — or held — at some point. But what if this assumption is quietly stopping you from building financial comfort of your own? In this episode, we unpack where this belief comes from, why it’s an understandable response to real inequality, and why turning it into a blanket identity does more harm than good. We explore how money amplifies beha...

For many people, moving to Australia feels like the financial solution — higher wages, more opportunities, and the promise of an easier life. But earning more doesn’t automatically create financial comfort. In this episode, we unpack why increasing your income won’t help if your spending habits stay the same, how lifestyle inflation quietly erodes pay rises, and why real financial progress comes f...

Financial progress isn’t always flashy. It doesn’t always feel exciting. But every small, consistent choice you make — every boundary, every dollar saved, every question asked — is building real, lasting financial comfort. In this episode, we talk about what progress really looks like, why it’s okay if it feels small, and how to stay motivated even when it feels slow. Perfect for anyone who’s tire...

Thriving financially isn’t about earning more and hoping for the best. It’s about the habits you build, the boundaries you set, and the identity you choose to step into. In this episode, we explore what thriving with money will actually require of you this year — beyond budgets, hustle, or perfection. We talk about honesty, responsibility without shame, patience, and the quiet systems that create...

Have you ever built up an emergency fund… only to slowly spend it on things that definitely weren’t emergencies? You’re not alone — and you’re not bad with money. In this episode, we talk about why emergency funds keep getting raided, how to clearly define what an “emergency” actually is, and the simple systems that help protect your savings without relying on willpower. We also unpack the emotion...

What if 2026 wasn’t about becoming rich — but about feeling calm, confident, and in control of your money? In this episode, I break down what financial comfort really looks like and the practical steps you can take to create it. We talk about building buffers, simplifying your money systems, dealing with debt without shame, investing for your future, and shifting the mindset that keeps so many of...

This year, what if your goals weren’t just about money, productivity, or habits — but about your whole wellbeing? In this episode, I share how I use Te Whare Tapa Whā — the Māori model of wellbeing — to set goals across four key areas: physical, mental, spiritual, and social wellbeing . You’ll learn how to strengthen each “wall” of your whare so your goals are balanced, sustainable, and aligned wi...

What if the reason so many people work hard but still feel stuck isn’t effort — it’s education? In this episode, I share my biggest takeaways from Rich Dad Poor Dad and how they’ve shaped the way I think about money, work, and wealth. We unpack why broke is temporary but poor is a mindset, why your job is not your business, and why it’s not how much you earn — it’s how much you keep and invest. We...

Could you cover your expenses if you lost your job tomorrow? According to Healthcareplus.org , 44% of New Zealanders don’t have any emergency savings — which means nearly half of us are one unexpected bill away from stress and debt. In this episode of the Māori Millionaire Podcast , I share exactly how I saved a 6-month safety net , starting from $0. You’ll learn practical, realistic steps you can...

.Not having a money plan is like throwing spaghetti at the wall and hoping it sticks. In this episode of the Māori Millionaire Podcast , I’m walking you through the exact steps to create a money plan that actually works – one that helps you stop overspending, save with intention, and align your money with your values. Here’s what we cover: Why having a money plan is essential for financial success...

Feeling stuck with money? Living paycheck to paycheck and wondering why you can’t seem to get ahead? In this episode of the Māori Millionaire Podcast , host Te Kahukura Boynton breaks down the 3 traps that keep people stuck financially — and the simple steps you can take to finally break free. You’ll learn: Why telling yourself “I’m just not good with money” is holding you back How Afterpay, loans...