She Owns This

New Build vs Renovation NZ — Which Is the Better Investment Strategy? Stevie is Team Renovations. Nefe is Team New Builds. They're both financial advisers, they've both done it, and they're both convinced they're right. This week they pick sides — and the real answer is more useful than either position alone. In this episode: The full case for renovation investing in NZ: lower entr...

Every property owner with a big section is asking the same question right now. On paper it sounds simple — split the land, build, profit. The reality is considerably more involved. Nefe and Stevie give you the full picture. In this episode: The three types of subdivision in NZ, and which one actually makes sense for individual investors The four-step subdivision process, and what each one costs Wh...

Someone wrote in asking whether they could use their share portfolio to leverage into property. It's a great question — and the honest answer is more nuanced than yes or no. This week Stevie and Nefe go back to basics on one of the most powerful — and most misunderstood — tools in NZ investing. In this episode: What leverage actually means in property investing — a plain-English explanation from f...

Was It Actually Harder to Buy a House 30 Years Ago? Yes, interest rates were 15%. But what were they paying that on? Nefe is bringing the data, the comparisons, and — she's trying her best — the emotions under control. This is the conversation that needs to happen on both sides. In this episode: ● The number that settles the debate: house price to income ratio ● Why 15% interest on a $70,000 m...

Stevie's had clients do this brilliantly — and clients nearly lose relationships over it. The difference almost always comes down to three things: aligned goals, a good mortgage broker, and a legal agreement. This episode covers all three. In this episode: Why the bank maths on joint ventures can work against you When family finances and emotions collide The goal alignment problem nobody talks...

The boss said no to a pay rise. Inflation said yes to everything else. So Nefe and Stevie went to their mortgage adviser team and asked: what are clients actually doing to boost their income? Here are twelve of them. In this episode: The full side hustle menu — with real earning potential for each Why renting out a spare room might be the easiest win on the list The underrated option most people o...

Having a baby is one of the most financially significant things you'll ever do. It doesn't have to derail everything you've been building. Stevie's been through it — and this episode is the practical playbook she wishes she'd had. In this episode: What parental leave in NZ actually pays — and why you need two separate budgets for the first and second six months How to find your...

Every week Nefe and Stevie sit across from people who want to invest in property — and talk themselves out of it. This episode is for them. Five fears, five reframes, and the data that changes the conversation. In this episode: Fear #1: House values will go down Fear #2: Market uncertainty Fear #3: Dodgy tenants Fear #4: Government regulation and tax changes Fear #5: Interest rate rises — the prac...

The headlines say Christchurch is drowning in townhouses. Investors are spooked. But Stevie and Nefe have brought in developer George Clifford from Four Aves — and the story behind the data is not what you think. In this episode: What's actually driving the spike in Christchurch listings — and why it has nothing to do with demand collapsing Developer contributions explained: the policy change...

Everyone's heard of financial advisers. Far fewer people actually have one. This week Nefe and Stevie answer the question they get asked all the time — is it actually worth it? The answer might surprise you. In this episode: What a financial adviser actually does — and why they're not just for people with serious money The Canadian study that found families with financial advisers built th...

This one is personal. Stevie is a new mum who's thought deeply about this. Nefe grew up in a home where money was never spoken about. Between them, they've got every angle covered — and this episode is for anyone who wants to break the cycle. In this episode: Why simply talking about money at home is the single most powerful thing you can do — and what silence costs your kids instead The r...

The headlines are scary. "120,000 Kiwis leaving NZ." "Brain drain." "Population collapse." But are they telling the full story? This week Nefe and Stevie dig into the net migration data — and what it actually means for property investors. In this episode: What net migration is, why it matters for property, and why the headlines aren't giving you the full picture T...

Every time the news gets bad, the same question comes up: "Should I wait until things settle down?" The short answer is no. The longer answer is this episode. In this episode: Every major crisis of the last 30 years that made people say "now is not the time" — and what happened to the investors who waited Why the right time to invest has nothing to do with what's happening...

Most people are investing the amateur way without even knowing it. This week Nefe breaks down exactly what separates the pros from the rest — in shares and in property. The pattern is the same in both, and once you see it, you can't unsee it. In this episode: Why buying shares in companies you "believe in" is usually the wrong move — and what to do instead How index funds work and wh...

No more "I don't know where to start." Stevie and Nefe are walking you through it — literally step by step. Three asset classes, exact dollar amounts, and actions you can take before this episode is even finished. In this episode: Term deposits: what they are, when they make sense, and how to open one in 10 minutes from your phone Shares: how to start investing with as little as $1 o...

Nobody wants to think about their relationship ending. But Nefe and Stevie have sat across from enough women caught off guard by the legal and financial reality of a split — and this episode exists so that doesn't happen to you. In this episode: The 3-year rule: what it means for de facto couples and why moving in together starts the clock What actually counts as relationship property in NZ —...

Welcome to She Owns This. Stevie and Nefe are financial advisers who believe women should own more of New Zealand — and this show is how they're going to help make that happen. The numbers are stark. NZ women want to own property more than men — but they're falling behind. In this episode: Why Gen Z women own property at nearly half the rate of Gen Z men — despite wanting it more The incom...