The Prosperity Project

Interest rates are rising again, fuel prices are climbing and many homeowners are wondering what to do next. But according to Squirrel mortgage adviser Adam Clark, too many Kiwis are focusing on the wrong things. In this episode of The Prosperity Project, Adam joins Nadine Higgins to unpack the psychology of mortgages, why obsessing over tiny rate differences can backfire, and the financial habits that quietly cost borrowers hundreds of thousands over the life of a loan. They also dive into refinancing, cashback offers, fixing strategies, mortgage structures, EV lending and the dangerous temptation of “cheap debt”. Plus: Why banks hike rates before the Reserve Bank moves The truth about cashback “free money” Why fixing for the shortest term isn’t always smartest See omnystudio.com/listener for privacy information.

It's one thing to talk about money, and and something else entirely to talk to it. But for Rachel Davies, that shift changed everything. Rachel and her Hi Money co-founder Angela Meyer join Nadine to unpack the emotional side of money. From avoidance and binge spending to deeply held beliefs about luck, scarcity and security, they argue most of us don’t have a knowledge problem, we have a relationship problem. They share the therapy-style exercise that reframed their thinking, why so many people still rely on “it’ll work out somehow”, and the hidden costs women face, from the wage gap to the pink tax.See omnystudio.com/listener for privacy information.