104. Foundational Money Tips For Your 20s, 30s & Beyond

In this episode we're diving into a topic that hits home for many—practical money tips for those in their 20s and 30s. This stage of life is often packed with big decisions about finances, careers, and relationships, which can sometimes feel overwhelming. That’s why we’re here to simplify the process and share the insights we wish we had known earlier. Remember, everyone’s journey is different, and it’s okay to move at your own pace. Here’s what we cover in this episode: Why setting up an emergency fund is crucial and how to figure out how much you might need. The importance of stepping back to understand your cash flow and spending habits. How your relationships and personal values shape the way you interact with money. Tips for reframing your goals to create a clearer vision of what you want in life. Where KiwiSaver fits into the bigger picture of financial planning. Tune in now to learn more! If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz