No Stupid Questions with Susan Edmunds

Can I invest in gold through my KiwiSaver? Will I still get my pension if I live on my boat? And what is a disappointment gap? Questions this week for Susan: 00.54 Can I invest in gold through my KiwiSaver? 02.39 I qualify for superannuation but still have a mortgage. Will that affect my tax rate? 04.31 Can my employer deduct KiwiSaver my from my hourly rate of pay? 07.20 If I live on my yacht, ca...

No Stupid Questions with Susan Edmunds will be back online, on-air and in your feed from late-January 2026. If you have a money question you'd like Susan to answer, put it in an email or send us a voice recording to questions@rnz.co.nz. Go to this episode on rnz.co.nz for more details

My tradie asked to be paid in cash...will that get me in trouble with the IRD? Where's the best place to keep an emergency fund? And are rewards points really worth it? Episode details Questions this week for Susan: Where should I put my emergency money, in a manged fund, term deposit or just a bank account? When the Reserve Bank changes the official cash rate, where does the extra money I pay on...

If you die without family, what happens to your KiwiSaver? Is it fair that a household with one high earner pays more tax than one with two average earners? And what is productivity and why does it matter to the average New Zealander who’s just focused on getting their own job done? Questions this week for Susan: 00.44 What are tenants not allowed to do? 2.52 When it comes to tax, what's the...

A lot of people put money away for their children's future. But is a savings account the best way to do that? And if I invest in the sharemarket, is a growth fund too risky? Do I play it safe or go for gold? Episode details Questions this week for Susan: 00.52 What is a capital change notice? 3.44 Why do petrol pumps warn you that a hold is being placed on your credit card? 5.25 What has happened...

We're aways reading headlines about how Australia can pay higher wages than us but are also able to sell a cheaper cup of coffee. How do they keep the cost of living low while we struggle? What's Australia's secret sauce? Economist Mary-Jo Vergara says the answer is actually pretty simple. Questions this week for Susan: 00.44 - How does Australia pay high wages but still keep the cost of living lo...

Borrowing money these days seems to involve so much paperwork. Why? Questions this week for Susan: Is private school worth the money? Is it worth getting a second job? Do I have to pay gift tax? And why are banks so stuck on paperwork? Expert input this week came from Dr Michael Johnson, Robyn Walker, Greg Bunkall, and Anne Marie Lockyer If you have a money question you'd like Susan to try an...

Is the AI boom a bubble? Is it about to burst? What should I do? Questions this week for Susan: Is the bubble about to burst on AI? Is it cheaper to rent or buy? Will the Fonterra brads sale drive up inflation? And how do I choose financial advisor? Expert input this week came from Shamubeel Eaqub, Sharon Zollner and Tim Fairbrother. If you have a money question you'd like Susan to try and an...

Is it better to be alive in 1985 or in 2025? Questions this week for Susan: Why can’t we take GST off fresh food? What is gift tax? How do I split the bills when a relative moves in? And were we all better off in the 80s? Expert input this week came from Brad Olsen, Craig Renney, Shamubeel Eaqub, David Verry and RNZ Morning Report host Corin Dann. If you have a money question you'd like Susan...

Is it fair that my partner's residential care will drain my KiwiSaver account too? Questions this week for Susan: If I have to use my KiwiSaver account to pay for my partner's residential care, is that fair on me? What is a Capital Gains Tax? How likely am I to win Lotto? If you have a money question you'd like Susan to try and answer, put it in an email or voice memo, then send it to  q...

When money people and politicians talk about the "bank of Mum and Dad", what does that really mean? If you have a question you'd like Susan to answer, you can email her at questions@rnz.co.nz. We'd love to hear from you! Go to this episode on rnz.co.nz for more details

Do banks always pass on cuts to the official cash rate to their customers? If you have a question you'd like Susan to answer, you can email her at questions@rnz.co.nz. We'd love to hear from you! Go to this episode on rnz.co.nz for more details

There's an OCR announcement soon. What impact will that have on home loan rates? If you have a question you'd like Susan to answer, you can email her at questions@rnz.co.nz. We'd love to hear from you! Go to this episode on rnz.co.nz for more details

If tax was removed from all benefits, what effect would that have on the economy? If you have a question you'd like Susan to answer, you can email her at questions@rnz.co.nz. We'd love to hear from you! Go to this episode on rnz.co.nz for more details

I want to spread my KiwiSaver contributions across more than one kind of fund. Can I do that? If you have a question you'd like Susan to answer, you can email her at questions@rnz.co.nz. We'd love to hear from you! Go to this episode on rnz.co.nz for more details

New Zealand's quarterly GDP figures are announced tomorrow. What even is GDP, anyway, and should I care? If you have a question you'd like Susan to answer, you can email her at questions@rnz.co.nz. We'd love to hear from you! Go to this episode on rnz.co.nz for more details

RNZ money correspondent Susan Edmunds wants to demystify money and personal finance. Because when you want to understand your money, there’s no such thing as a stupid question. So if you have a stupid (or not-so stupid) question you need to ask, let us know. Each week, Susan will try to answer it for you. The answer might not be perfect – this isn’t personalised financial advice - but you will get...