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All Episodes

Making Cents — 297 episodes

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Title
1

How Ilse Wolfe Built A $20 Million Property Portfolio

2

I Got Deepfaked. Here's How To Spot A Scammer.

3

What Do You Do When Your House Is Worth Way Less Than When You Bought It?

4

AI Is Making Mortgage Fraud Easier. Here's What Changes

5

The Price of Playing It Safe With Your Money

6

What KiwiSaver Actually Needs to Change, According to an Adviser

7

Biggest Mortgage Myths: What Banks Are Actually Checking In 2026 (It's Changed)

8

Prices Are Going Up. But Not Always for the Reason You Think

9

Why Your Money Disappears (And The Fix That Actually Works)

10

From 0 to $1 Million And Financial Freedom - In 10 Years

11

Take the 50k or Flip for a Million?

12

The Best Way To Add Property Value - And The Mistake To Avoid

13

The Mortgage Advice That Fails in NZ: With Aaron Cattell (The Mortgage Man)

14

The Easiest Shortcuts To Save Money

15

Get Ready For ‘Excuse-flation’ - That’s About To Drive Up Cost Of Living Even Further

16

Simple KiwiSaver Mistakes That Cost You Thousands (And How To Fix Them)

17

How to Build Financial Independence Without Living on Instant Noodles

18

Have I Set My Kids Up, or Set Them Back?

19

I Interviewed Dozens Of Money Experts - This Was The Best Advice

20

The Catch Behind a "Timeless" Investing Strategy

21

How To Travel For Years Without Killing Your Career

22

Is Your Home an Investment - Or Just a Place to Live?

23

How To Get Paid More In NZ - WEBINAR REPLAY

24

The NZ Property Market Just Had Its Biggest Change Since 2020

25

The Kiwi Teenager With Four Businesses Bringing In Six Figures

26

The "Safe" Place for Your Money Is Not What You Think

27

I Put Solar On My House. Was It Worth It? (Numbers Breakdown)

28

How to Embrace Ambition Without Burnout, with Mindset Coach Sarah Robb

29

Make Money And Save Money Through The Secondhand Market

30

The Hidden Areas Of NZ Where Houses Don't Cost As Much

31

The $2 Daily Habit That Could Be Worth $419,000 at Retirement

32

Jobs, Mortgages, AI Investing and Extreme Saving Hacks: Your Money News Roundup

33

The New Rules of Running a Side Hustle in New Zealand

34

Your Income Cheat Code: How Buying a Business Changes Everything

35

How to Invest for Financial Freedom - WEBINAR REPLAY

36

Why "Being Normal" Is The Most Expensive Thing You Can Choose

37

What Accountants Wish You Knew About the IRD

38

Why Being a Loyal Customer Costs You Thousands

39

What Actually Gets You a Better Price for Your House

40

The Truth About NZ's Economy Right Now

41

The SpaceX IPO Needs a Bright Red Hype Warning

42

How to Plan Your Retirement as If NZ Super Won't Be There

43

The Investing Trap That Even the Experts Fall Into (And How to Avoid It)

44

HOLY SH*T WE WON

45

You're On Your Own, Kid. Here's What That Means For Your Money

46

Are Shoebox Apartments About To Take Over NZ?

47

A Michelin-Trained Chef's Insider Secrets To Saving Money On Your Food

48

Are Small Homes A Bad Buy?

49

The Money Timeline That Lets Normal People Build Wealth

50

Why Overwhelmed Parents End Up Spending More Money, And How To Fix It

51

KiwiSaver Changes On The Cards Again - Are They Worth It?

52

NZ's Hottest Jobs in 2026… And How to Get Paid More in Any of Them

53

The Lazy Investor's Guide To Building Real Wealth

54

10 Pieces Of Advice I'd Give My 20-Year-Old Self

55

Spending Money the Right Way (Most Kiwis Miss This)

56

Ali Mau: From TV Icon to Startup Founder at 60 (And How She Paid For It)

57

Why You Keep Buying Things You Don't Need Online

58

The 5 Levels of Financial Freedom: Which One Are You?

59

The Emotion Sabotaging Your Money (A Psychologist Explains)

60

War in Iran Is About To Hit Your Mortgage And Your Money - WEBINAR REPLAY

61

$54M Wiped From NZ Property: Here's What It Actually Means

62

Wendy Petrie Lost Her Dream Job at 50… Then Reinvented Her BEST Life

63

Interest Rates Are Going Up, What To Do Next

64

The Iran War Is Already Costing You, Here's What To Do About It

65

How A ‘Personal Brand’ Gets You Paid More (Even If You’re Not An Influencer)

66

How To Live The Good Life For Less

67

Should You Buy Property or Invest in Stocks? Most Kiwis Get This Wrong

68

She Went From 'Bad With Money' To Successful Investor: What Actually Worked

69

The Quick Calculation To Know If Solar and EVs Are Right For You

70

Breakup reset: how to rebuild financially in your 40s and 50s

71

How to eat better food, spend less, and feel good about it - with Michal Garvey from Foodprint

72

I Spent $89,000 on Solar And Electric Car In NZ… Was It Worth It?

73

Iran, Oil, and Your Money: Why Everything Is More Expensive And Your Investments Are Tanking - WEBINAR REPLAY

74

From $30,000 Debt to Financially Free and Travelling the World: The Shift That Changed Everything

75

Fast Fixes for Rising Costs: Fuel, Food, and Finances

76

"Is Politics About To Ruin My First Home Buying Plans?" - Mailbag Episode

77

Supermarket Tricks, Insurance Hacks & Subscription Traps: How to Stop Overpaying

78

How To Save Your Cash When The Price Of Everything Is Going Up

79

KiwiSaver Is Changing, Here’s Everything You Need To Know

80

After Financial Freedom: A Year Off & A Career Reboot

81

The Anxiety Premium: How to Stay Calm with KiwiSaver and Investments

82

NZ Money Advice That Sounds Smart But Ruins Your Life

83

These Investing Mistakes Cost Kiwis Millions, with Glen James

84

Cost of Living Hacks You Haven't Heard 300 Times Before

85

NZ Investment Planning: How to Invest A Lump Sum in Your 50s

86

NZ Career Survival Guide 2026: How to Get Paid More In A Bad Economy

87

The Mortgage Hacks That Actually Work in New Zealand

88

"Our house value dropped $250k - should we sell anyway?" Mailbag episode

89

Is the age of property investment over?

90

How your subscriptions and KiwiSaver can change the world (from little old NZ)

91

How To Get Ahead In NZ Without Earning More

92

How Everyday Kiwis Can Become Financially Free with Bronwyn Candish

93

The 4 money personalities that shape how you save, spend, and fight about money

94

What's going on with markets? Shares, gold, crypto, and the wild ride ahead with RNZ's Jim Mora

95

NZ Mortgage Myths That Cost You Years On Your Mortgage: With Aaron Cattell (The Mortgage Man)

96

How to fix your finances in February before you fall off the wagon

97

7 mental traps to avoid when you’re investing

98

How to build wealth like the 1% (on a normal income)

99

How to invest in the sharemarket in 2026 - WEBINAR REPLAY

100

"Is renovating my home an investment, or am I fooling myself?" Mailbag episode

101

A quick new year money reset

102

How to invest in silver and gold without getting wrecked, with financial adviser Darcy Ungaro

103

"I’m a saver, he’s a spender, how do we get on the same page?" Mailbag episode

104

Olympic psychology that works for your money

105

What actually matters for your money in 2026 - WEBINAR REPLAY

106

"We’re $8m richer overnight, now what?" Mailbag episode

107

“I invested 100k by 25 - here’s how” with Jane Joo

108

“Rental property vs. index funds: should we switch?” Mailbag episode

109

5 things I wish I knew before investing

110

“We’ve saved $80k, is it enough for our first home?” Mailbag episode

111

Three money psychology shifts that changed how I handle money

112

What could a Santa Rally mean for our money?

113

“I’ve got $1 million in the bank, what do I do with it?” Mailbag episode

114

NZ banking just changed all the rules, are you ready? Open banking with Pocketsmith CEO Jason Leong

115

Why investing got weird in 2025 - Webinar REPLAY

116

“Do I really need a million dollars to retire?” Mailbag episode

117

Jenny-May Clarkson on leaving TVNZ, reinvention, and career pivots

118

Use the bank's money to pay off your mortgage? You bet.

119

“Are those ‘mortgage-free in five years’ hacks for real?” Mailbag episode

120

How nine years in a tiny home bought freedom

121

“How to find an affordable first home in an expensive city - maybe with a llama?” Mailbag episode

122

Angry at credit card debt? Here’s how to fight back, with Sasha Lockley from Money Sweetspot

123

How to take the first steps into investing

124

“Single parent at 46, how do I avoid poverty at 70?” Mailbag episode

125

I cut 8 years off my mortgage with $20 - here's how

126

Smart, simple, sharemarket investing, get your money strategy ready for 2026. WEBINAR REPLAY

127

"My kids want me to get a reverse mortgage, will it ruin their inheritance?” Mailbag episode

128

Chef Alice Taylor on budget recipes that actually work: $1.50 loaf, 20c noodles

129

Boost your savings without living a boring life

130

“We were gifted $100K, how do we not blow it?” Mailbag episode

131

KiwiSaver weapons investing is up 40% - how to invest ethically and still make money, with Mindful Money’s Barry Coates

132

Is the 0.01% rule the secret to guilt-free spending?

133

“I can’t buy a house, is commercial property a better investment?” Mailbag episode

134

Overcoming a $100k fear of failure, with Ecoya CEO Claire Barnes

135

Smart side hustle strategies for when work isn't paying enough

136

“We’re paying for private school, two dream homes, and we’re out of cash.” Mailbag episode

137

My lazy investing strategy, account hacks, and what real financial freedom looks like: Your questions, answered

138

Jobs, interest rates, and real strategies for surviving New Zealand's ‘grumpy’ economy WEBINAR REPLAY

139

Mailbag: “How much should I save, when my job is shaky?”

140

Financiallly free in just 11 years, with The Happy Saver

141

Why 'perfect balance' can wreck your finances

142

The $1 trillion time bomb: Why Kiwi families are blowing the inheritance conversation

143

"I nannied for billionaires, it changed my entire money outlook”: building a business on your own terms, with Hannah Koumakis

144

"Shock therapy" OCR cut, job pain, mortgage gain? Here's what's really going on

145

Mailbag: “Can I find an undervalued suburb, or was my parents’ success just luck?”

146

“Consumerism is just filling a void” - how to stop money myths from draining your bank account

147

Why "financial flashpoints" hold you back, and how to fix it

148

Buying vs building: Which property strategy builds more wealth over time?

149

What I learned from starting over in my 30s

150

The hidden costs of buying a home (and how to avoid nasty surprises)

151

How to start investing, and go from $5, to financial freedom. Webinar REPLAY

152

Why we financially sabotage ourselves, and how to stop

153

Using your home to buy investment property: smart or risky?

154

What it’s really like to quit work forever at 30, with Captain FI

155

No pay rise? How to ask for benefits instead

156

Side hustle mistakes that cost you time and money

157

How to find a financial adviser you can actually trust (In NZ)

158

Small changes to beat the cost of living

159

The KiwiSaver trap: why a common tactic can accidentally torpedo your nest egg

160

From Uber to dog poop: The side hustles people really get paid for

161

Cheap reno wins vs expensive fails: What adds real value

162

Outsmart the cost of living: Here’s why your wallet feels empty

163

How to quit the money guilt (without quitting your financial goals)

164

Why New Zealanders are scared of the sharemarket

165

How to stay motivated when your money goals feel too big

166

When stage 4 cancer hit, financial independence gave her room to breathe

167

How do banks decide if they'll lower interest rates - and are they going down more?

168

We love Lotto, but investing loves us back

169

From broke to thriving: Money fixes for self-employed and side hustlers

170

“We sold everything and moved into a caravan” - creating financial freedom without the fat paycheck

171

How to stop guilt sabotaging your money goals

172

Are house prices about to drop more? What you need to know in 2025

173

Building FU money on an average income - "Enough is not a number, it's a decision"

174

Major money changes you need to know: protect your savings account, KiwiSaver cuts, and grocery fights

175

The real estate standoff: Buyers, sellers, and the gap no one wants to close

176

Being too polite could cost you $240,850

177

How to get your boss to pay for your insurance

178

Rentvesting: A fast look at pros and cons

179

"Why I gave up my dream home to rentvest instead" - Ilse Wolfe

180

The pocket money debate: Should kids earn it or just get it?

181

Could you save on insurance, or should you cancel it? As well as grocery prices, house values, and how to survive NZ's money madness

182

Bitcoin made boring: How crypto going mainstream is changing how we invest into it

183

The mortgage mistake that’s costing you thousands (and how to fix it)

184

More food tips that'll save your budget (fast edition)

185

“Food shouldn’t be this expensive” - chef Alice Taylor on eating well for less

186

One in three NZers 'accidentally' bought a house? Here's how

187

Quick Hit: Is a revolving credit mortgage worth it?

188

Should you invest in gold?

189

The US-Israel-Iran conflict shows chaos is the new normal - LIVE replay

190

Is renting really throwing money away?

191

Why being too polite, costs you

192

I spent $20,000 on my hair - and I'm a financial advisor

193

By age 7, your money personality is locked in — can you change it?

194

Will property bounce back, should you invest in gold?

195

Why Jay-Jay Feeney started a business with ex Dom Harvey, and went from radio star to startup life

196

The hidden cost of being single: How to beat the ‘singles tax’ and build wealth anyway

197

Investing red flags to watch out for

198

Spain, sun, and investing: The real way to move overseas and keep building wealth

199

Thank you.

200

House buying negotiation mistakes that cost you thousands (and how to avoid them)

201

The ultimate first home buyer's guide (NZ edition) - LIVE REPLAY

202

Think like a financial journalist: how to research stocks like a pro

203

The investing shift that builds wealth (even in a recession)

204

Quick Hit: Can you mix money and family?

205

How to be "boujee on a budget"

206

Making Cents of the Budget: What KiwiSaver changes mean for you, and could you get a pay rise? LIVE REPLAY

207

What the bank wants to know before it approves your mortgage

208

KiwiSaver changes, renters get a break, and should we worry about the brain drain? BONUS episode

209

"You can have it all, but at what cost?" How to beat burnout with Claire Wasserman from Ladies Get Paid

210

FOMO vs financial goals: How to stay focused when everything’s a temptation

211

Quick Hit: The reality behind early retirement

212

How to negotiate a killer mortgage

213

Why a moodboard is the secret to mastering your money: LIVE REPLAY

214

Renting doesn't have to suck - how to outsmart the housing market to get the best deal

215

Sharyn Casey on quitting the 'dream job'

216

When can you crack into your KiwiSaver early?

217

Listener mail: Buy your first home or invest? LIVE REPLAY

218

AI vs human mortgage advice: Why 77% now prefer the robot

219

How to crush your mortgage while rates are low

220

Quick Hit: Mortgage hacks that don't work

221

How to hack your brain to make saving fun

222

The small business finance guide for people who hate numbers

223

Your 2025 financial survival plan: LIVE replay

224

Escaping the broken 9-5: How Rosie McCarthy went from poverty to a $3m business, then burned it all down

225

Tariffs, inflation, and interest rates: LIVE REPLAY we answer your money questions

226

Avoid these home buying mistakes: Non-negotiables, weird open home tricks, and red flags

227

"TradeMe nearly failed... then we sold for $750 million" - Rowan Simpson on how to make millions in startups

228

Your small business crystal ball: Predicting success from past numbers

229

Quick Hit: Do you need a degree for your dream job?

230

Housing, KiwiSaver, and debt: Solving NZ’s biggest money issues with the Retirement Commissioner

231

People are getting scammed - here's what you need to know

232

Quick Hit: What's currency risk for your investments?

233

The four levels of FU money - and how to build them

234

How to invest in 2025: Predictions, risks, and strategies to sleep easy

235

Quick Hit: How to turn a creative career into a real business

236

“Screw it, just try” – how to turn your side hustle into the main hustle

237

The smart house seller's guide: Winning tactics for a changing property market

238

Quick Hit: How to boost your money motivation

239

"You can be a good Muslim and be rich" - the world of halal investing

240

Tax time myths, expenses, and avoiding costly mistakes

241

Quick Hit: Why mini retirement beats early retirement

242

How to organise your home to save money

243

From budgets to bottles, how to prep your money for parenthood

244

Quick Hit: Why loving your job can hold you back

245

Predatory lending just got worse - the ugly truth of cosmetic surgery loans

246

Why is insurance getting more expensive?

247

Quick Hit: How to combine family life, and financial freedom

248

How to negotiate your career like a CEO

249

Myth or truth: Do property values really double every ten years?

250

Quick Hit: Be careful of making "bad with money" your personality

251

Viral mortgage hacks debunked: Separating clickbait from real advice

252

Small business hacks: accountant edition

253

Quick Hit: The neurodivergent guide on how to run a small business

254

From how I invest, to getting rid of the mortgage fast: A chaotic Ask Me Anything episode

255

How to master debt, and pay it off faster

256

Quick Hit: How to take control of your money behaviour

257

Financially free at 30: How this dad quit the corporate world

258

Saving made simple: How to stay motivated for long-term goals

259

Quick Hit: How to create money goals you can stick to

260

How to ‘turbocharge’ your way to financial independence

261

Your cheat sheet for knowing what the property market will do next

262

Quick Hit: The lightbulb moment of discovering Financial Independence

263

The bargain hunter’s playbook: Mastering savings in your town

264

The different mortgage types that get you debt-free, faster

265

Quick Hit: What to know before you make a career change

266

From burnout to business launch

267

Quick Hit: Balancing money goals, and living life

268

Quick Hit: How to create a business that works for your lifestyle

269

Quick Hit: How to start house sitting and travel for free

270

Why this family switched 'early retirement' for 'mini retirement' in a van

271

Temperature check: what’s up with the economy?

272

The hidden psychology that helps you build wealth - and why meditating hurts your money

273

Will a house or apartment make you more money?

274

The secret to making money doing what you love

275

Christmas cash: How listeners are being money smart in the festive season

276

“I regret paying off my mortgage early” - financial analyst Nick Carr

277

When is it a bad idea to put more into KiwiSaver?

278

BONUS: How do you talk to your kids about money?

279

How this SAHM manages skyrocketing grocery costs for their family of four

280

How to make your bank account work harder for you

281

BONUS: Is crypto about to boom?

282

From women’s refuge to financial freedom at 33

283

Brodie Kane on the pros and cons of buying a house with a friend

284

Your questions, answered: Why I quit, best investing strategy?

285

Decoding the housing market's alphabet soup

286

The no BS strategy for budgeting, investment, and ditching debt

287

How to avoid being tricked about what's in your investments

288

How financial freedom can lead to a career change

289

Quick Hit: Instagram versus reality, for digital nomad life

290

From professional poker, to a podcast empire: the realities of starting a business in the internet age

291

Is the forever home no more?

292

The key to reaching financial independence while raising a family

293

The underrated way to pay off the mortgage early

294

Getting BDE vibes for your budget

295

The traveller’s guide to staying money smart

296

How house sitting with alpacas turned into a digital nomad dream

297

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