Debt-Free By Design

Money habits do not appear out of nowhere, they start in the rooms we grew up in and the adults we watched. We sit down with George to trace his money story right back to childhood in Scotland with grandparents who lived by a simple rule: save up first, then buy. That early lesson becomes the backbone of a life built on earning, patience, and steering clear of debt even when it would have been easier to borrow.We talk about what money felt like when he was young, not as status, but as freedom. From working early and always having his own cash, to leaving home at 16 with money in the bank, George explains how those experiences shaped his spending, saving, and sense of pride. Then we bring it forward into family life: how he and Megan bring their kids into the real estate journey, why small chores matter, how piggy banks teach choice, and the now-famous tradition of an ice cream every time a house is sold.Because real estate is 100% commission-based, we also get practical about personal finance in New Zealand: why a buffer is non-negotiable, what it means to plan around uneven income, and how a mortgage knockback can become motivation to save harder and increase your deposit. We touch on KiwiSaver, yearly goal reviews, career changes over a lifetime, and what retirement planning looks like when you have kids still at school.If you want a calmer relationship with money, this one lands on a clear takeaway: keep life simple and stop trying to keep up with the Joneses. Subscribe for more money stories, share this with a mate who needs it, and leave a review with the one money rule you live by.Send us Fan Mail Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are!Join Here - https://bit.ly/4m9SL72