The Dollars & Sense Podcast

Send us Fan MailIn this episode of The Dollars and Sense Podcast, Tim and Brodie explore a question that sits at the heart of financial planning:What do financially successful people actually have in common?After years of meeting with clients year after year, certain patterns begin to emerge. Some clients describe themselves as financially secure, comfortable, and at peace with their finances, while others are still working towards that feeling. So what separates the two?We discuss the 8 common traits we consistently see among financially successful people, including:Paying themselves firstThinking long termLiving below their meansStaying disciplined and consistentMaintaining emergency reservesInvesting across multiple asset classesUsing debt strategicallyProtecting their wealth with insuranceWe also examine 4 things successful people don't necessarily have in common, challenging some of the biggest myths about wealth building. Do you need a massive income? Do you need to maximise your KiwiSaver contributions? Do you need to be child-free? The answers may surprise you.Whether you're just beginning your financial journey or already building significant wealth, this episode offers practical insights into the behaviours that matter mostand the assumptions that matter far less than people think.Disclaimer: This podcast is intended to improve financial literacy and should not be considered personalised financial advice. Please seek professional advice before making significant financial decisions.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailSpaceX is finally going public, and the numbers are staggering. With an expected valuation of $1.75 trillion and just 5% of shares available to investors, this could become the largest IPO in history. In this episode, Tim and Brodie break down what an IPO actually is, why SpaceX is attracting so much attention, how it compares to Tesla's famous IPO, and whether investors should be excited, cautious, or both. Most importantly, they discuss what this means for everyday investors and how to avoid letting FOMO derail a solid financial plan. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailMost Kiwi investors know about tax on their salary or earnt income, but far fewer understand how investment tax actually works.In this episode, Tim and Brodie break down three of the most important tax concepts for investors: PIE tax, Foreign Investment Fund (FIF) tax, and the differences between the FDR and CV calculation methods. They explain why many investors receive tax reports this time of year, how overseas investments are taxed, when you may have choices around how your tax is calculated, and why fees and tax efficiency can have a significant impact on long-term returns.Whether you're investing through KiwiSaver, managed funds, or holding overseas shares directly, this episode will help you better understand your obligations and opportunities as an investor.This episode contains general information only and should not be considered tax or financial advice. Please seek professional advice appropriate to your circumstances.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailJuly 2027 marks 20 years since KiwiSaver was introduced to New Zealand. In that time, it has grown from a brand-new savings scheme into a $120+ billion investment powerhouse that will likely become the largest asset many Kiwis ever own. In this episode, Tim and Brodie look back at how KiwiSaver has evolved since 2007, from the dominance of bank providers to the rise of specialist fund managers, changing investment strategies, and the growing shift toward passive investing. They explore what these trends might tell us about the future of KiwiSaver, including contribution rates, fees, regulation, and whether New Zealand's retirement system is heading for major change. If the last 20 years transformed KiwiSaver beyond recognition, what might the next 20 years bring? If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailWithout clear direction, every financial plan is both right and wrong at the same time.In this episode, Tim steps away from the spreadsheets and market analysis to explain one of the most important exercises used in real financial planning conversations: defining what a wealthy life actually looks and feels like for you.The “Now and Then” exercise helps uncover the goals, emotions, frustrations, and life outcomes sitting underneath money decisions. Without clear direction, every financial plan is both right and wrong at the same time.This episode walks through: Why vague goals lead to weak financial plans  The questions good advisors ask before giving recommendations  How to define what you actually want life to feel like  Turning emotions into measurable goals  Breaking long-term outcomes into realistic yearly milestones Whether you’re starting financial planning for the first time, going through a major life transition, or simply feeling unsure about what comes next, this episode gives you a practical framework to think more clearly about your future.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailMost financial advisers defend adviser fees. In this episode, Tim and Brodie do something different...... they challenge them.From ongoing fees on “set and forget” portfolios, to percentage-based charges that grow far faster than the actual work involved, this episode explores when adviser fees genuinely deliver value… and when they may not.Tim and Brodie unpack: Why unclear fees are always a problem  Whether passive investment portfolios justify ongoing advice fees  The issue with commission clawbacks and conflicted incentives  Why some clients end up paying far more without receiving far more service  And how fees quietly compound against long-term wealth The episode also explores the origin story behind FNZ — a business now administering trillions globally — which reportedly began after its founder questioned the fairness of the fees his own parents were paying.This isn’t an anti-adviser conversation.It’s a transparency conversation.Because at the end of the day, clients deserve to know: What they’re paying, why they’re paying it, and what value they’re actually receiving. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailA recent RNZ headline claimed all active fund managers underperformed over the last year — a bold statement that sparked plenty of debate across the investment world. But how accurate is that headline, and what does the underlying data actually show? In this episode, Tim Ellis and Brodie Haggerty unpack the latest SPIVA report, break down the difference between active and passive investing, and explore why so many fund managers struggle to consistently beat the market over the long term. They also discuss survivorship bias, the impact of fees, why “top-performing funds” can be misleading, and what investors should really be paying attention to when reviewing their KiwiSaver or investment portfolio. Whether you’re invested through a bank, adviser, or KiwiSaver provider, this episode is a practical look at the evidence behind one of investing’s biggest ongoing debates. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan Mail"Just buy a low cost S&P500 index tracking fund....."Most investors think buying a low-cost S&P 500 ETF is the smartest move they can make—but the 0.03% fee doesn’t tell the full story. In this episode, I break down the hidden costs, missed opportunities, and structural limitations of passive investing. If you’re relying on “cheap” as your strategy, this one might change how you think about it. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIn this episode, I’m joined by Taylor Schulte, founder of Define Financial and host of the Stay Wealthy Retirement Podcast. We unpack why retirement, especially early retirement, is far more of a psychological challenge than a financial one. From identity loss to spending anxiety, this conversation highlights the real risks people overlook when planning their exit from work.As mentioned in this weeks episode, a link to Taylor's own episode that dives deeper into the 4% of stocks that have actually provided shareholder wealth can be found below,https://open.spotify.com/episode/7qmkmpwrfOpqTKamBD5c7Z?si=1ca3856e3a5440eaIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIn this episode, Tim breaks down what actually happened across global markets, why investor sentiment has shifted, and how similar this year looks to past market cycles. More importantly, he explains why short-term volatility might not mean what you think it does for your long-term plan. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThis year, tens of thousands of Kiwis will reach retirement age — but how much does timing really matter? In this episode, I break down three real retirement scenarios using the same $2M portfolio across very different market conditions. The results might surprise you — and challenge how you think about risk, timing, and what actually makes a plan successful. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIndex funds “don’t work” in bear markets… or do they? In this episode, I break down three powerful ways index funds can still create future gains when markets are falling From dividend reinvestment to rebalancing and dollar-cost averaging. If recent market movements have you questioning your strategy, this is a must-listen reality check. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailMost people excel in one part of their financial plan. Wither they are very proficient in budgeting, investing, or have sought out expert advice regarding their insurances. However, almost no one talks about how they actually work together. In this episode, I break down the hidden link between all three, and why being weak in one can quietly sabotage the others. The alignment of all three is a fundamental to a smart financial plan.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailEverywhere you look right now the headlines are bleak!Wars, oil shocks, economic uncertainty, and predictions of market crashes. But do those headlines actually predict what markets will do next? In this episode, Tim breaks down the research behind media sentiment, why negative financial news dominates the headlines, and the real cost investors pay when they react emotionally and miss the market’s best days. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThis week Sheldon and I tackle a topic that comes up constantly with clients. Dividend paying shares. Are they essential for building wealth or just one part of the puzzle?We unpack how dividends and buybacks actually work, why so many investors are drawn to income strategies, and why focusing only on yield can quietly derail long term returns.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailOften people who are doing “pretty well” still avoid financial planning, or they start and quietly drop off. In this episode, Tim Ellis and Sheldon Wu talk about why that happens, what it really costs over time, and why good planning is about a lot more than just returns. A practical, honest conversation based on what we actually see with clients. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailGold and silver are back in the headlines—but do they actually belong in a long-term investment portfolio? In this episode, Tim and Sheldon unpack the data, the psychology, and the common arguments for holding precious metals, and explain why most professional portfolios don’t rely on them. A practical, no-hype discussion about volatility, diversification, speculation, and what really drives long-term outcomes. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThe reserve fund is the one strategy every financial adviser agrees on — and the one most people ignore. In the first episode of 2026, Tim Ellis and Sheldon Wu break down what a reserve fund really is (and isn’t), why credit cards and revolving credit don’t count, and how having real cash set aside changes the way you invest, work, and live. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan Mail2025 gave us AI becoming mainstream, another turbulent year under Trump, surprising global market returns, and the end of Warren Buffett’s era as CEO of Berkshire Hathaway. In this episode, we unpack what actually happened — from AI hype and capital flows to interest rates and market surprises — and then finish with the bigger question: why none of it really matters for long-term wealth. A grounded reminder of what financial advice is actually for.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThis week, Tim breaks down one of the most common KiwiSaver misunderstandings: how two funds can show identical long-term returns on paper, yet deliver completely different balances for real investors. He explains why shifting asset allocations, volatility, and regular contributions can make a “better-looking” fund actually perform worse for you. If you’ve ever compared performance tables and felt confused, this episode will finally make the math make sense.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThis episode is a follow-up to my earlier deep dive into New Zealand’s medical insurance shake-up — and a lot has changed since then. In this update, I break down how each major insurer has responded differently to rising claims costs, including Southern Cross, AIA and nib, and what these changes mean for your premiums, benefits and future options.I also outline practical solutions to consider depending on which insurer you’re currently with, so you can make informed decisions rather than reacting to headlines. As always, this is general information only, but essential context for anyone reviewing their medical cover in 2025.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIn this episode, we break down the tactics used by self-proclaimed investment “gurus” who sell overpriced courses, mentorships, and get-rich-quick schemes.From seductive narratives to manufactured credibility and psychological manipulation, we unpack how these operators hook people in — and how to protect yourself. If you’ve ever wondered why these scams seem to surge during volatile markets, this episode is for you. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIn this episode of The Dollars and Sense Podcast, Tim sits down with Taraia Robin from Stewart Group and Finzo for an honest, practical discussion about evidence-based investing. Taraia breaks down why discipline beats prediction, how small-cap and value factors fit into a modern portfolio, and what investors often misunderstand when markets get noisy. A grounded, insightful conversation for anyone wanting to invest with confidence and clarity If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailInvestors are nervous — AI stocks are soaring, valuations look stretched, and Trump’s back in the White House. In this episode, Tim breaks down whether we’re really on the edge of a market correction, what’s driving the fear, and why a solid, diversified plan still beats trying to time the market. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIn Part 2 of our conversation with Hannah Carter from Carter Chung, we dive deeper into the legal side of second marriages, trusts, and contracting out agreements. Building on last week’s discussion, this episode explores what really happens when documents aren’t reviewed, how blended families can protect their assets, and why proactive planning matters more than ever. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

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. For anyone wanting to get in touch with Hannah. Website details below.https://www.carterchunglaw.co.nz/If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailRevolving 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 question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThis 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 lead to poor decisions, misaligned portfolios, and false confidence — especially for people using them online without guidance.From confusing time horizons to emotional questions that change with your mood, Tim and Brodie show how these tools fail to capture what truly matters: your goals, behavior, and time frame.They also discuss how good advisers should actually use risk profiles — not as an answer, but as a conversation starter to build understanding and trust.💡 Key takeaways:Why risk questionnaires often miss the pointHow emotion and timing distort your “risk profile”The difference between risk tolerance and investment purposeHow real advice connects your money to your goalsIf you’ve ever wondered what your “balanced” score really means — or why your KiwiSaver fund might not fit your future — this episode is for you.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIt’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 up on your fund statement.From currency hedging and tax drag to behavioral biases and index front-running, we explore how seemingly invisible forces can have a real impact on your wealth over time. You’ll learn how exchange rate movements can distort your overseas investments, why trading frequency affects your after-tax returns, and how emotional reactions to market swings can sabotage even the best strategies.Whether you’re managing your own portfolio or simply want to understand your KiwiSaver or managed fund better, this episode will help you see where the real money leaks happen — and what you can do to plug them.You’ll learn:Why low advertised fees don’t tell the full storyHow currency movements can boost or crush your returnsThe tax traps hidden inside high-turnover fundsHow investor behavior can cost more than any management feeWhy “front-running” the market can impact index fund performanceIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailWe 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 KiwiSaver and managed funds.  Discover 5 reasons why a globally diversified portfolio needs to be considered. Tune in for key insights on portfolio design and the importance of rebalancing for long-term success! If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailTim 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 #KiwiFinanceIf you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIn 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: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailGoals 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 it is so important to differentiate the two when considering financial planning. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIn 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, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThis 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: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailWe'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: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThe 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 a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailNifty 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 should I expect a return? And what are the costs?If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailTrump 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: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailJust 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: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIf 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 rushing to an answer. Tim dives into the most common questions that are asked from new and existing clients such as,Should I repay debt or invest more?Should I sell my property?Should I buy a property?Should I increase my KiwiSaver contribution?Should I change my KiwiSaver fund?Am i doing all the right things?In this episode, you will hear about,What else needs to be consideredWhy that might be importantSome alternative solutions that need to be ruled outIf you're thinking about engaging a financial adviser to ask questions that are specific to your needs, listen to this episode prior to you meeting.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailWhen 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 ensure you can review with more confidence and understand what you're actually paying for. Tim breaks down the intricate details of the 5 most commonly purchased insurance products so you can know what you're looking at!If you feel you could sharpen your financial awareness around complicated insurance policies, tune in and put this knowledge in your tool kit for making smarter financial decisions!If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailIn 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 which ultimately lead to her life long passion of sharing her knowledge to Mums in order to improve theirs and their families lives.If you're looking to gain some helpful insights and relatable stories, tune in!If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailYou'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 rules actually mean or why they are important to long term success, listen in and challenge your current thinking with the perspective of two financial advisers.If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThis 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 from them?If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailHabits, 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 have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailThis 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 lives, and more importantly - what can you do about it?If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailInflation 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, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailWhat 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 cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure 

Send us Fan MailWelcome 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 having Anna from Hayman Lawyers on the show, and if you have any questions or would like to talk to Anna about your situation you can contact her at: [email protected] or find out more about Hayman Lawyers here. If you have a question, suggestions, or a topic you would like us to cover, please send an email to: [email protected] More Dollars & Sense Content: Click HereListen to all The Dollars & Sense Podcasts: Click HereThe information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure