PODCAST · business
It's No Secret
by Kernel
It’s No Secret is a podcast for Kiwis who want their money questions answered. Are you wondering when the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting? If yes, you’re in the right place. Join the Kernel team, alongside some special guests, as they take you through the ins and outs of all things finance, money, property, investing and building wealth so you can move towards achieving financial freedom. Each Wednesday, we’ll release one episode that answers a specific money question. No long ramblings and no financial jargon. Investing hacks, budgeting tips, and financial freedom are included. You’ll be left feeling inspired, relieved and ready to take the next step in your financial journey. Happy listening! Submit a money question or get in touch at our Instagram @its
Episodes
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Spending $1k+ on Bubble Tea and Being the Reluctant Household CFO | Money Moments with Dora
In this Money Moments episode of It’s No Secret, we chat with Dora Yip, CMO at PocketSmith, about the real life of a “household CFO.” Dora, who grew up in Singapore and now lives in Dunedin, shares how culture, values, and human behaviour shape our money experiences. In this episode we dive into:...
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113. How Your Investments Can Fit Together: Core Satellite Investing Explained
This week, we’re diving into the fascinating world of core-satellite investing, exploring how you can effectively implement this strategy using the Kernel platform. Whether you're a seasoned investor or just starting out, understanding how to balance your core investments with targeted satellites...
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112: The Gift Dilemma: What to Give and When
Today, we're diving into the often tricky world of gifting etiquette. As weddings, birthdays, and holidays approach, dilemmas come up often leave us scratching our heads. Join us as we share our personal experiences and tackle some of the most awkward gifting scenarios. Plus, we want to hear from...
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111. 10 Signs You're Winning Financially
Today, we’re shifting the narrative from financial worries to celebrating the wins that often go unnoticed. Inspired by a fantastic article from MoneyHub, we’ll explore ten key indicators that suggest you’re doing better financially than you might realize. Tune in as we unpack these signs and...
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110. "I Regret Buying a House"
Today, we dive into a pressing issue that many Kiwis are grappling with: the reality of homeownership in New Zealand. If you purchased a house in the last three years, you might feel like you've taken a step back, especially with recent market fluctuations. Join us as we talk about an anonymous...
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Introducing Shares & ETFs | Kernel Update
In this episode, we’re thrilled to share some exciting news from the Kernel team: the launch of Shares and ETFs! This new offering gives Kiwis the chance to invest directly in select range of shares and ETFs, making it easier than ever to build your wealth. Join us as we chat through what this...
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109. Is the Stress Worth the Pay?
In today’s episode, we dive into a pressing question: Is having a high-paying job truly worth it? While many might instinctively say yes, reality can often be more complex. Join us as we explore the potential pitfalls and benefits of high salaries, revealing the truths that can help you navigate...
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108. Navigating Market Turbulence: Tariffs, Volatility, and Staying the Course
In this podcast episode, we're joined by Kernel Founder & CEO Dean Anderson to chat about the latest developments in the markets and how they’re impacting investors. Specifically, we discuss: The impact of US tariffs and rising market volatility, including what this means for global and local...
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107. Active vs. Passive: Are You Settling For Average?
In the world of investing, the debate between active and passive strategies has been significant among many investors. While active investing involves selecting individual stocks and timing the market, passive investing focuses on tracking market indices through funds. This episode dives deep…
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106. How Does Tax Work When Investing In Kernel Funds?
Tax is an unavoidable cost of investing, so ensuring you understand how it works can help you get the most out of your investments. In New Zealand, Portfolio Investment Entities (PIE) funds offer a tax-efficient way to invest, but navigating their tax rules can sometimes be challenging. Find out...
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105. Trump & Investing: 5 Tips to Remember During Uncertain Times
This week, we dive into investing during uncertain and volatile market conditions. With recent economic shifts driven by new policies and tariffs, many investors are feeling the pressure to take some sort of action. Join us as we chat about timeless tips to remember during turbulent times....
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Winning the Office Lottery, Personal Finance Journey & Paying off Student Loans | Money Moments w/ Joni
In today's Money Moments episode, we're joined by our very own Joni from the Customer Success team. In this episode, Joni shares his experience with money, in particular: What his relationship with money was like growing up in Indonesia, US, and NZ How he paid off his student debt with the help…
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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...
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Money Q&A: Pricing, Distributions, and Market Timing - Fund Units Explained
In this episode, we are joined by Aaron, our Portfolio Analyst, to explain fund units and how they work. We cover important topics like swing pricing and the effects of distributions, helping both new and experienced investors understand these concepts better. Tune in to learn how fund units…
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103. Money Tips During Lower(ing) Interest Rates
In today's episode, Cat sits down with Dean Anderson, Founder and CE of Kernel, to chat about what the lowering of the Official Cash Rate (OCR) can mean for you. Disclaimer: This episode was recorded on 13 Feb and this episode is set to go live on the 19 February the day when the RBNZ is…
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Buying Her First Home, Living Your Rich Life & Starting a Business | Money Moments w/ Rebekah
In today's Money Moments, we're joined by Rebekah, Head of Human Resources in Citta. In this episode, Rebekah shares her experience with money, in particular: How she bought her first home without a partner What her relationship with money was like growing up How she started her electrolysis...
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102. Dividend Investing in NZ: Does it Work?
In this episode, we have podcast director, Tim , in the hot seat alongside Kernel Founder and CE, Dean Anderson to explore why New Zealand has such a strong dividend culture, and whether chasing dividend yields is the best strategy for long-term wealth building. With NZ companies paying out 82.5%...
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Money Q&A: How Dividends Work & Moving Investment Platforms
In today's episode, we're joined by Joni from our Customer Success team to tackle two common investment questions we frequently receive. From understanding dividend payments to managing multiple investment platforms, we'll help clarify these important aspects of investing. In particular, we chat...
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101. Why You Can't Save Your Way to Retirement
Are Kiwis missing out by being savers rather than investors? In this episode, we explore whether our national tendency toward saving is helping or hurting our financial futures. With rising living costs and ambitious retirement goals, we'll see if saving alone is enough to get us there. Key...
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Building a Multi-Million Dollar Business, Salary Transparency & Property Choices | Money Moments w/ Stanley Henry
Today, we’re back with a Money Moments episode - this time with Stanley Henry, Founder & CEO at The Attention Seeker, a global organic content agency. Stanley left his role as a GM after realizing that true freedom wasn't possible working under someone else's rules. So, he and his wife moved back...
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100. Navigating Kids Accounts: 5 Things Parents Need to Know
Welcome back, lovely listeners, to another episode of It’s No Secret! Today, we’re diving into a rapid-fire chat about kids' accounts. Whether you’re considering opening an account for your child or just curious about how they work, we’ll reveal five facts that could change your perspective and...
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Money Moments: Cat & Christine - 2024 End of Year Update
Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. This time, the real Kiwis are us! In this episode, we’re back in the hot seat to update you on what’s going on financially with our lives. Our last check-in was back in September...
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99. The Money-Mindset Connection: Why Your Thoughts Matter
Can your mindset make you richer? Today we explore how your thought patterns influence your financial life, inspired by fascinating research showing positive mindsets can add years to your life. We'll dive into how shifting from scarcity to abundance thinking could transform your financial…
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Money Q&A: Is the Global 100 Diversified?
In this Q&A episode, we tackle a common concern about the Kernel Global 100 fund: concentration risk. With just 10 companies making up over 58% of the fund*, we'll explore whether this concentration is a feature or a bug of market-weighted indices. Specifically, we chat about: What is...
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98. How to Financially Thrive Throughout the Holidays
The holiday season is here, and with it comes increased spending pressure. With recent Worldline data showing Kiwis spent $2.65 billion in just the first three weeks of December, we're diving into how to navigate this expensive period without breaking the bank. Key Questions Discussed: What's a...
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97. City vs Rural: Where Should You Buy Your Home?
Is the grass really greener (and cheaper) in the countryside? Today we're exploring the financial reality of city versus country living in New Zealand. With Auckland's median house price at $970,000, we'll investigate whether moving to regions like Gore, where houses trade around $400,000, could…
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96. Which Insurances Do I Need? Part 2
In this follow-up episode, we dive into how to calculate your ideal insurance coverage. We'll help you understand exactly how much protection you need and what factors to consider. Key Questions Discussed: How do you calculate your ideal coverage amount? What's the difference between stepped and...
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95. Which Insurances Do I Need? Part 1
Today we're tackling a crucial but often overlooked topic: how to calculate your life insurance needs. With recent FSC research showing only 20% of New Zealanders have income protection insurance, we'll break down the essentials of personal insurance and help you figure out exactly how much...
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Being Poor But Driven, Open Banking and Embracing Individuality | Money Moments with PocketSmith CEO Jason Leong
In this Money Moments episode we're joined by Jason Leong, CEO and Co-Founder of PocketSmith. From humble beginnings to leading a global fintech company serving customers in 190 countries, Jason shares his money journey and the story behind PocketSmith's growth. Specifically, we chat about: What...
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94. How Much Do I Actually Need to Retire?
How much money do you really need to retire? In this eye-opening episode, we break down the real numbers behind retirement planning in New Zealand. With recent Retirement Commission research showing that 65% of people over 55 have no concrete retirement plan, we'll help you understand what you…
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93. How to Approach A Financial Break Up
Today, we're discussing how to break up financially—not just with a significant other. Breakups are challenging, and they aren't limited to romantic relationships. Whether you're parting ways with a service provider like a personal trainer or financial adviser, or even becoming financially...
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92. What Happens to My Investments When I Pass Away?
In this episode, we tackle a crucial yet often-overlooked topic: what happens to your investments when you pass away? Understanding what happens to your assets is essential for ensuring your loved ones are taken care of and the outcome you intended is achieved. Specifically, we chat about: What…
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91. How to Diversify Your Investments
In this episode, we revisit the concept of diversification in investing. Understanding how to spread your investments is important, especially in helping manage risk. Specifically, we chat about: What is diversification and why is it important? How can you diversify your investments across asset...
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90. Mortgages 101 | Part 2
In the second part of our mortgage series, we dive deeper into the practical steps of purchasing your dream home. From assembling a reliable support team to finalizing your settlement, we've got you covered: Specifically, we chat about: Who should be on your support team, and why are they…
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89. Mortgages 101 | Part 1
In this 2 part episode, we'll be chatting about the step by step on how to buy a house. Whether you're a first-time buyer or a seasoned pro, we outline the steps you'll need to take, including some tips to take to help make your house hunt easier both mentally and hopefully financially. In this...
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88. The Psychology of Index Investing
In this episode, we're joined by an expert guest - Cam Irvine. Cam brings extensive experience from the financial services industry, having worked for one of the most successful mutual fund managers in the US before becoming a highly qualified NZ financial planner. Specializing in working with...
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Airbnb Horror Story, Taylor Swift & FOMO | Money Moments with Cat & Christine
Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we’re back again in the hot seat to give you an update on what’s going on with our lives financially. Our last check-in was back in May - about 4 months ago so…
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Ubering Gym Bags, Valuing Time & Investment Property | Money Moments With Ravi Chand
In this week’s episode of Money Moments, we chat with Ravi Chand, Operations Manager at Lighthouse Financial. Ravi shares his money habits and the journey that got him to where he is today. Specifically, we discuss: The money mindset(s) he uses daily to manage his lifestyle What money habits he’s...
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Farming Sustainable Wool, Country Calendar & Growing a Business | Money Moments: Sophie Hurley, Founder of Honest Wolf
Today, we’re back with another Money Moments episode, where we chat with real Kiwis about their experiences with money. In the hot seat today is Sophie Hurley. Sophie is a farmer, mum, and the founder of Honest Wolf, an ethical New Zealand luxury wool brand. Recently, she was honoured with the…
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87. Alternatives to Investment Property
In this week’s episode, we chat about something near and dear to many Kiwi investors—investment property! When it comes to investing, many Kiwis often default to the dream of owning multiple properties with the hope of benefiting from capital gains and that sweet rental income. But are investment...
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5 Years of Kernel: Entrepreneurship Challenges and What’s Next? | Money Moments with Dean Anderson
In this episode of Money Moments, Christine catches up with Dean Anderson, the founder and CE of Kernel. It’s been two years since Dean last appeared on the podcast, so we thought it was the perfect time for him to update us on both his professional journey and personal milestones. In this…
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86. Is University Worth the Cost?
Today, we dive into some of the costs of university education and weigh the pros and cons to help you make an informed decision. Please note: that this episode is not about convincing you one way or another but to chat about the factors that might sway your choice from a financial standpoint. In...
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Money Q&A: Should I Borrow Money to Invest in a Business?
Today we’re back with a Money Q&A - where we answer questions submitted by you, the lovely listeners of the pod. In this episode, we answer these two questions: Should I borrow money to invest in a business? I have $5,000 left on my student loan should I pay it off? If you enjoyed today's show,...
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85. What Happened in The Sharemarkets This Week?
The last week (5-9th August 2024) has been a volatile time in international sharemarkets. As investors, it can be easy to read dramatic news headlines about and react to them, so we wanted to take the chance to chat through specifically what happened in the sharemarkets, and what this means for…
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84. 5 Simple Actions To Take With Your Money
This month is Money Month in New Zealand, an annual campaign by Sorted (Retirement Commission) to raise awareness about money, and help Kiwis improve their finances. Knowing where to start with your money can often be the trickiest part, so today's episode covers 5 simple actions you can take…
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83. Active vs. Passive: What Drives Your Investment Style?
In today's podcast episode, we’ll be chatting with you about the key drivers behind people choosing their investment style. The active vs passive investing strategies have been hotly debated for a long time. But how do you convince someone that one is 'better' than the other without just spitting...
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Starting a Business in Your 20s, Investing in Your Health and Property | Money Moments: Elise Dalrymple-Keast
Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we're joined by loyal podcast listener, Elise Dalrymple-Keast, who went from working 6 part-time social media jobs during university to building a digital marketing...
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82: Money Guilt: Understanding and Overcoming It
Feeling guilty about your spending habits? In this episode, we uncover the psychology behind money guilt and offer practical tips to manage it. But what do we mean when we talk about money guilt? Money Coach Marnita Oppermann defines money guilt as “dealing with feelings of remorse, shame, or...
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81. Money Tips To Get Through Tough Times
Today we’re going to run through a few money tips to help get you through tough financial times. It’s a challenging time out there right now for many people; interest rates have risen and remained high, therefore those who own homes are particularly struggling to cover the cost of their mortgage....
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80. The Realities of Job Hunting in 2024
Today we’re diving into the employment landscape. Whether you’re actively job hunting or just keeping an eye out, this episode has something for everyone. To help answer all our burning questions and provide an update on the current employment market, we're joined by Minta Holton, NZ Director at...
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ABOUT THIS SHOW
It’s No Secret is a podcast for Kiwis who want their money questions answered.
Are you wondering when the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting?
If yes, you’re in the right place. Join the Kernel team, alongside some special guests, as they take you through the ins and outs of all things finance, money, property, investing and building wealth so you can move towards achieving financial freedom.
Each Wednesday, we’ll release one episode that answers a specific money question.
No long ramblings and no financial jargon. Investing hacks, budgeting tips, and financial freedom are included.
You’ll be left feeling inspired, relieved and ready to take the next step in your financial journey.
Happy listening!
Submit a money question or get in touch at our Instagram @its
HOSTED BY
Kernel
CATEGORIES
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Frequently Asked Questions
How many episodes does It's No Secret have?
It's No Secret currently has 177 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is It's No Secret about?
It’s No Secret is a podcast for Kiwis who want their money questions answered. Are you wondering when the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting? If yes, you’re in the right place. Join...
How often does It's No Secret release new episodes?
It's No Secret publishes regularly with 177 episodes available. Check the episode list for the typical release schedule.
Where can I listen to It's No Secret?
You can listen to It's No Secret on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts It's No Secret?
It's No Secret is created and hosted by Kernel.
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