Stop Ghosting Your Bank Account with Rachel Davies

Money advice usually starts with budgets and numbers. We start somewhere more honest: the feelings you have when you open your bank app, the stories you learned as a kid, and the weird ways shame can make you spend, avoid, and then repeat the cycle. Rachel Davis, co-founder of High Money and co-author of Money, Money, Money, joins us to unpack why 80% of money is mindset and only 20% is mechanics, and what that means for everyday life in New Zealand.Rachel shares a deceptively simple “money therapy” exercise where you talk to money as if it is a person. It sounds playful, but it surfaces real patterns fast: bingeing on treats after a hard week, ghosting your accounts when you feel guilty, and wanting security while acting like it will all work out somehow. From there we get practical about updating money beliefs, building an emergency cushion, and making saving and investing feel calm and repeatable, especially if you are aiming for a first home deposit, growing KiwiSaver, or trying to get consistent with an index fund.We also step back to look at the wider system. Women are more likely to retire with less because of caregiving, part-time work, pay inequity, separations, and even the lifetime cost of the pink tax. You cannot budget your way out of poverty, but if you have any room to move, mindset work can help you use that room well and stop self-sabotage. We finish by redefining wealth as choice and potential, and Rachel leaves a parting message: go gentle, drop the shame, and start looking.If this hits home, share it with a mate who avoids money chats, subscribe for more grounded money conversations, and leave a review so more Kiwis can find the show. What money belief are you ready to update?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