Ed McKnight has been working in personal finance for a fair few years and although he typically tries to be encouraging when giving advice, he does have some more brutal truths to tell.
He joined Jack Tame to offer up the three brutally honest pieces of money advice that most Kiwis will need to hear.
LISTEN ABOVE

Joel Little: Kiwi award-winning musician and producer on his new project BIG FAN
13:04

Kevin Milne: The passing of Dame Jools Topp
04:57

Chris Schulz: Paul McCartney - The Boys of Dungeon Lane
05:44