If you make a lot of money, are you more likely to save it or spend it? 

Sometimes it seems like people with higher incomes are more likely to spend it all, compared to people with a more modest income who prioritise saving. 

So why are some people who earn good money permanently broke, while folk on modest incomes manage to save?

Financial Advisor and Co-Host of 'She Owns This' podcast Nefe Marson joins Tim Beveridge to discuss how to avoid bad spending habits. 

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If you make a lot of money, are you more likely to save it or spend it?&nbsp;
Sometimes it seems like people with higher incomes are more likely to spend it all, compared to people with a more modest income who prioritise saving.&nbsp;
So why are some people who earn good money permanently broke, while folk on modest incomes manage to save?
Financial Advisor and Co-Host of 'She Owns This' podcast Nefe Marson joins Tim Beveridge to discuss how to avoid bad spending habits.&nbsp;
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Nefe Marson: How do you avoid bad spending habits?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/83b57190-b0ec-4986-be20-b4fc005298d1/transcript

One of the biggest costs elderly people face is retirement living costs.

There's no set number for how much money is needed, no benchmark. It's frustratingly personal. So how much do you need to retire?

Martin Hawes joins Tim Beveridge to discuss the costs of retireing, and how much should be tucked away.

And with the election round the corner we'll take a look at what policies could affect investments, wealth transfers, and the like. 

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One of the biggest costs elderly people face is retirement living costs.
There's no set number for how much money is needed, no benchmark. It's frustratingly personal. So how much do you need to retire?
Martin Hawes joins Tim Beveridge to discuss the costs of retireing, and how much should be tucked away.
And with the election round the corner we'll take a look at what policies could affect investments, wealth transfers, and the like.&nbsp;
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Martin Hawes: How much money do you need to retire?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/b2b6c3b2-5d94-4f78-8f89-b4f5005294e9/transcript

What you leave behind when you're gone is probably on a lot of peoples' minds, regardless of age. 

But is a will something everyone should have? Or is it something to think about once you have a family, or reach a certain age? 

Managing Director for NZ Family Trust Services Janet Xuccoa joins Tim Beveridge for Smart Money.

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What you leave behind when you're gone is probably on a lot of peoples' minds, regardless of age.&nbsp;
But is a will something everyone should have? Or is it something to think about once you have a family, or reach a certain age?&nbsp;
Managing Director for NZ Family Trust Services Janet Xuccoa joins Tim Beveridge for Smart Money.
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Janet Xuccoa: Who needs a will?

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Australian data-centre developer - Firmus - have stalled in securing funds for more build-outs, with investors unsure of the pricepoint, and how much of the growth depends on earnings that are yet to arrive.

So has the value of AI had its reality check? Investors have happily funded AI chips, AI software and AI infrastructure for years, but are public markets finally pushing back on valuations?

Given the money that's closely tied to AI and its promises to improve everyday life, are we walking into a bubble that's bound to pop, or running late on the AI boom?

Harbour Asset Management's Chris Wilson explains the risks to Tim Beveridge for Smart Money... 

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Australian data-centre developer - Firmus - have stalled in securing funds for more build-outs, with investors unsure of the pricepoint, and how much of the growth depends on earnings that are yet to arrive.
So has the value of AI had its reality check? Investors have happily funded AI chips, AI software and AI infrastructure for years, but are public markets finally pushing back on valuations?
Given the money that's closely tied to AI and its promises to improve everyday life, are we walking into a bubble that's bound to pop, or running late on the AI boom?
Harbour Asset Management's Chris Wilson explains the risks to Tim Beveridge for Smart Money...&nbsp;
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Chris Wilson: Concerns for investing in AI are valid as new technology can attract too much capital, too quickly

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/80bc04e5-b0d0-4235-99b6-b4e7005252d1/transcript

More New Zealanders are looking to their Kiwisaver to get them to the future, or to their first-home with the property market on a down-turn. 

Because of that, the election's become a more vested interest for voters, with the future of their KiwiSaver determined by what Government forms. So what are parties promising, where do they differ, and what would it mean for our funds?

ACT's proposed tax cuts on our Kiwisaver at the cost of the scrapping Government contribution, National's proposed an incremental increase on the default contribution, and Labour wants to boost employer contributions. What does that all mean for us who may be retiring soon, looking for a first home, or just entering work?

Generate Kiwisaver Advisor Nathan Stanners joins us Tim Beveridge for Smart Money...

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More New Zealanders are looking to their Kiwisaver to get them to the future, or to their first-home with the property market on a down-turn.&nbsp;
Because of that, the election's become a more vested interest for voters, with the future of their KiwiSaver determined by what Government forms. So what are parties promising, where do they differ, and what would it mean for our funds?
ACT's proposed tax cuts on our Kiwisaver at the cost of the scrapping Government contribution, National's proposed an incremental increase on the default contribution, and Labour wants to boost employer contributions. What does that all mean for us who may be retiring soon, looking for a first home, or just entering work?
Generate Kiwisaver Advisor Nathan Stanners joins us Tim Beveridge for Smart Money...
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Nathan Stanners: Stronger KiwiSaver policies are needed as less people are retiring with enough

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It seems like New Zealand's fallen out of love with the property-market hype - the pre-election economic and fiscal update last week basically confirmed it. 

So where should we start looking when it comes to investing, and saving up? You've heard about people doing the age-old method of buying antique collectibles, luxury watches, gold, and art-pieces - and you've heard about the newer investment crazes like crypto, NFTs, and even trading cards - and you just think... this has to be a bubble that's bound to pop, right?

How do we go about shifting a bit of our money out of the property-sector, and into something more secure? Is security even guaranteed or is there just a bit of luck involved?

Finance Specialist and Author of Money Matters, Amanda Morrall joins Tim Beveridge on Smart Money... 

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It seems like New Zealand's fallen out of love with the property-market hype - the pre-election economic and fiscal update last week basically confirmed it.&nbsp;
So where should we start looking when it comes to investing, and saving up? You've heard about people doing the age-old method of buying antique collectibles, luxury watches, gold, and art-pieces - and you've heard about the newer investment crazes like crypto, NFTs, and even trading cards - and you just think... this has to be a bubble that's bound to pop, right?
How do we go about shifting a bit of our money out of the property-sector, and into something more secure? Is security even guaranteed or is there just a bit of luck involved?
Finance Specialist and Author of Money Matters, Amanda Morrall joins Tim Beveridge on Smart Money...&nbsp;
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Amanda Morrall: It's time to start investing in your KiwiSaver

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/1af3e3b9-ffb4-4690-a10c-b4d900526213/transcript

There has been a lot of supermarket chat over the past couple of years, and it's ramping up now that we are headed into the election. 

National wants to split up Food Stuffs, the Greens want to build KiwiMart, ACT wants regulatory barriers reduced so new competitors can enter, and Labour has proposed separating the wholesale and retail operations of both major supermarket groups.

But, Koura Founder Rupert Carlyon says messing with supermarkets will not help the average kiwi household, it is instead banks we need to focus on

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There has been a lot of supermarket chat over the past couple of years, and it's ramping up now that we are headed into the election.&nbsp;
National wants to split up Food Stuffs, the Greens want to build KiwiMart, ACT wants regulatory barriers reduced so new competitors can enter, and Labour has proposed separating the wholesale and retail operations of both major supermarket groups.
But, Koura Founder Rupert Carlyon says messing with supermarkets will not help the average kiwi household, it is instead banks we need to focus on
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Rupert Carlyon: Parties should be focusing on banks not supermarkets

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The workplace is often dynamic - young people make their way in, technology change how things are done, new talent shift the team culture, and dress codes can differ from strict to casual.

With the rise of remote and hybrid-jobs these days, what do employers and employees need to see eye-to-eye on? How much flexibility should both sides expect, and where can they compromise?

And with people these days staying for a shorter time with their employer, before finding another job, how can they secure the best reference?

Sylvie Thrush Marsh, Chief Evangelist at MY HR - speaks with Tim Beveridge for Smart Money... 

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The workplace is often dynamic - young people make their way in, technology change how things are done, new talent shift the team culture, and dress codes can differ from strict to casual.
With the rise of remote and hybrid-jobs these days, what do employers and employees need to see eye-to-eye on?&nbsp;How much flexibility should both sides expect, and where can they compromise?
And with people these days staying for a shorter time with their employer, before finding another job, how can they secure the best reference?
Sylvie Thrush Marsh, Chief Evangelist at MY HR - speaks with Tim Beveridge for Smart Money...&nbsp;
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Sylvie Thrush Marsh: There are many avenues to take employment disputes

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/c8d480ea-0800-4ce3-bddd-b4cb006d4cef/transcript

The election is 55 still days away, and it's looking like a tight one. And in the US the midterms are around the corner.

America has a much bigger economy, and one that we have a lot of ties to. So how will these elections influence our domestic markets, if at all?

Harbour Asset Management Co-CEO Chris Wilson joins Tim Beveridge to break down the facts. 

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The election is 55 still days away, and it's looking like a tight one. And in the US the midterms are around the corner.
America has a much bigger economy, and one that we have a lot of ties to. So how will these elections influence our domestic markets, if at all?
Harbour Asset Management Co-CEO Chris Wilson joins Tim Beveridge to break down the facts.&nbsp;
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Chris Wilson: How will the US and NZ elections affect the markets?

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Earlier this week, an interesting proposal was made to shake up the way we use Superannuation.

A report from Chartered Accountants Australia and New Zealand indicates a flexible choice of when people can start receiving NZ Super could improve affordability.

Would this be worth it? And who should be considering this as an option?

Financial Author Martin Hawes joins Tim Beveridge on Smart Money to discuss.

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Earlier this week, an interesting proposal was made to shake up the way we use Superannuation.
A report from Chartered Accountants Australia and New Zealand indicates a flexible choice of when people can start receiving NZ Super could improve affordability.
Would this be worth it? And who should be considering this as an option?
Financial Author Martin Hawes joins Tim Beveridge on Smart Money to discuss.
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Martin Hawes: Is a flexible Superannuation scheme worth it?

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/a6bee131-9427-41bc-adc7-b4bd006385ab/transcript

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you.

Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement.

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you. Our industry experts give us their top tips on a wide selection of topics including mortgage rates, stock, savings, goal-setting and retirement.

Looking to make sense of your dollars? Newstalk ZB’s Smart Money delves into the deep, dark recesses of unwanted debt, traverses the highs and lows of investments and helps to ensure you money works for you.

Smart Money

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