The Dollars & Sense Podcast

Send us Fan Mail  In this episode of The Dollars and Sense Podcast , Tim sits down with lawyer Hannah Carter from Carter Chung Law to unpack the legal side of second marriages and blended families. They cover wills, trusts, and what happens if you don’t have a will in place — including who really gets what. A must-listen for anyone navigating family or estate planning in later-life relationships. ...

Send us Fan Mail Revolving mortgage accounts promise flexibility — but for many people, they quietly create financial frustration.  In this episode, Tim Ellis breaks down why so many Kiwis feel “stuck” with revolving credit, how it impacts your money mindset, and the practical steps to get out of the loop.  Learn how to take back control and start moving forward financially.  If you have a questio...

Send us Fan Mail This week on The Dollars and Sense Podcast , Tim and Brodie pull apart one of the most overused and misunderstood tools in investing — the risk assessment questionnaire . These forms are meant to help investors understand their tolerance for risk, but in practice, they’re often a lazy substitute for real financial advice . The guys break down why they believe the questionnaire can...

Send us Fan Mail It’s not the fees you see that hurt — it’s the ones you don’t. Most investors think they understand what they’re paying for — a simple management fee and maybe a performance fee if things go well. But that’s only the beginning. In this episode, Tim Ellis and Brodie Haggerty unpack the hidden side of investing — the costs that quietly eat away at your returns without ever showing u...

Send us Fan Mail We all know that a home bias has kept the All Blacks streak alive at Eden Park against The Springboks..... But is a home bias critical to a New Zealand domiciled managed fund or KiwiSaver fund? In Season 4, Episode 2 of the Dollars and Cents Podcast, Tim Ellis explores the concept of home bias in investing, focusing on the heavy allocation to New Zealand and Australian stocks in K...

Send us Fan Mail Tim Ellis says: ‘80% premium hikes are nuts!’  Season 4, Episode 1 dives into NZ’s medical cost crisis—50% claim surges, 93.4% insurer payouts, and 3 hacks to save for 30s-40s Kiwis. Subscribe for weekly wealth tips! #NZHealthInsurance #MedicalCostsNZ #KiwiFinance If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.n...

Send us Fan Mail In this episode we address the growing speculation and panic the markets have seen due to trade wars. Have we seen this before and what happened? Should you be doing anything with your investments as a reaction? If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz For More Dollars & Sense Content: Click Here Li...

Send us Fan Mail Goals versus Strategies - What's the difference? Hands up if you have said you have a goal to be mortgage free! Hands up if you have a goal to own "X" amount of properties! Are those really goals, or are they strategies to help you achieve the REAL goal? Tune in to this weeks episode where Tim and Brodie discuss the difference between a Goal and a Strategy and why i...

Send us Fan Mail In this episode, we dive into the world of small-cap investing and explore why it’s often overlooked by mainstream investors. We challenge the conventional wisdom that favors large-cap stocks, and discuss how small-cap investments can diversify your portfolio and bring significant returns over time.  If you have a question, suggestions, or a topic you would like us to cover, pleas...

Send us Fan Mail This week, we are discussing interest (woohoo). We explore the risks involved with term deposits, which have generally been seen as "risk-free" by the public, mortgage interest rates, and more.   If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz For More Dollars & Sense Content: Click Here Listen t...

Send us Fan Mail We'll be back with more episodes next week, here's a quick update from Tim.  If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz For More Dollars & Sense Content: Click Here Listen to all The Dollars & Sense Podcasts: Click Here The information shared on The Dollars & Sense Podcast is general...

Send us Fan Mail The popular image of investing tends to be formed by movie dramas like ‘Wolf of Wall Street’, ‘The Big Short’ or 'Margin Call' In truth, however, success in long-term investing is more likely due to a slow and steady approach with minimal drama. This weeks Podcast lists explores the benefits of opting for ‘boredom’ over excitement when it comes to investing. If you have...

Send us Fan Mail Nifty Fifty, FAANG, MAMAA, Magnificent Seven. Over the years there are always companies that shoot the lights out in the stock market, so much so that we end up giving them nicknames. But are these stocks overvalued and should you buy them at their peaks?  We explore concentration risk in this episode and ask some key questions for investors to consider: Do I already hold it? Why...

Send us Fan Mail Trump or Harris? Republican or Democrat? How will my portfolio or the share market react to the eventual winner and does it even matter? Tune in this week as we tackle politics and investments leading up to the November election. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz For More Dollars & Sense Cont...

Send us Fan Mail Just a quick one today team, we are back and sharing with you what our plans are going forward, who we are targeting with our new episodes, and what we learnt from the first two seasons. As always we appreciate your feedback and support.. Lets go!  If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz For More Dolla...

Send us Fan Mail If you've ever engaged with a Financial Adviser and asked a question, chances are that you've heard "well that depends!" Slowing down the decision process and taking some extra time can be frustrating when you just want to "get cracking with things". This episode, Tim attempts to answer why advisers might want to ask a few more questions before rushin...

Send us Fan Mail When was the last time you opened your annual renewal letter for your personal insurance?  Even if you do open them, we know from reviewing insurances with clients that all the different terms and names get confused, mistaken or completely forgotten. This weeks episode is designed to be a useful resource to save and replay each time you feel the need to review your insurance to en...

Send us Fan Mail In this weeks episode, we introduce Financial Adviser Terri Watson! Terri describes her passion for helping Mums gain better financial literacy and how she helps empower them with tools and confidence to improve their comfort and confidence with all things money. From humble backgrounds and personal struggles, Terri has managed to empower her own self and shares the experience whi...

Send us Fan Mail You've probably heard these "Rules" mentioned plenty of times before....... This week, Tim and Brodie discuss the 7 rules of investing: diversify, focus on long term, don't time the market, control costs, stay disciplined, don't react to past performance, and regularly review your goals.  If you're looking to learn in more detail what these simple rul...

Send us Fan Mail This week Tim and Brodie go head to head on Reverse Annuity Mortgages. What are they? Are they a suitable option in retirement, or should they be seen as a last resort?  You've probably heard the term "you can't eat your house" and cash flow can be an issue for people in retirement, so is a Reverse Annuity Mortgage a sensible option or should you stay well away...

Send us Fan Mail Habits, not one-time choices, determine someone's position in life. This week we explore studies showing how anticipation of a reward creates habits more than the reward itself and link it to common financial habits we see working with clients.  How can we use this information to break bad financial habits and form better ones, and how do we implement these changes? If you ha...

Send us Fan Mail This week we have a straightforward discussion about the dreaded 'R' word, recession. It certainly feels like we've been dancing around the word for years now, but now we are actually starting to feel the effects. Redundancies, high interest rates, inflation, falling house prices to name a few. So what defines a recession, how does it actually impact people's l...

Send us Fan Mail Inflation is on everyone's mind these days. But what exactly is it, how is it calculated, and why does it feel worse than the official numbers suggest? Join us this week to explore why many Kiwis feel like inflation is higher than what we may be seeing in the media or driven by a government agenda.  If you have a question, suggestions, or a topic you would like us to cover, p...

Send us Fan Mail What are the 8 great mistakes, who is prone to them, and how do you overcome them? This week we dive head first into the world of investment and what we believe to be the biggest mistakes people do when it comes to investing, us included! Are you making any of these mistakes or have you been guilty in the past? If you have a question, suggestions, or a topic you would like us to c...

Send us Fan Mail Welcome to Anna Seabrook who joins the podcast this week to discuss legal topics related to property, relationships, and estate planning! We talk about the conveyancing process when buying/selling property, what to watch out for when going into property with partners or friends, relationship property agreements, trusts, contracting out agreements, and wills. We thoroughly enjoyed...