Buying your first home is seen as a key milestone signifying success in your financial journey, while “just" renting is somehow seen as being behind.

But Luke Kemeys of the Keep the Change Podcast and Next Advisory sees it differently. For him, it’s a deliberate choice – and he thinks we need to look at renting differently.

Luke joins Nadine Higgins to explain why he thinks renting often makes more financial sense than owning your own home.

Buying your first home is seen as a key milestone signifying success in your financial journey, while &ldquo;just" renting is somehow seen as being behind.
But Luke Kemeys of the Keep the Change Podcast and Next Advisory sees it differently. For him, it&rsquo;s a deliberate choice &ndash; and he thinks we need to look at renting differently.
Luke joins Nadine Higgins to explain why he thinks renting often makes more financial sense than owning your own home.

The Prosperity Project is a weekly personal finance podcast from the NZ Herald. Join host Nadine Higgins every Monday as she talks to experts from New Zealand and around the world about the biggest money issues to help you become more prosperous.  

Follow The Prosperity Project on iHeartRadio or wherever you get your podcasts. To get in touch with the podcast, email nadine.higgins@nzme.co.nz 

The Prosperity Project is a weekly personal finance podcast from the NZ Herald. Join host Nadine Higgins every Monday as she talks to experts from New Zealand and around the world about the biggest money issues to help you become more prosperous.&nbsp;&nbsp;
Follow The Prosperity Project on iHeartRadio or wherever you get your podcasts. To get in touch with the podcast, email <a href="mailto:nadine.higgins@nzme.co.nz">nadine.higgins@nzme.co.nz</a>&nbsp;

The Prosperity Project

Is owning a home overrated?

Recent KiwiSaver changes were meant to strengthen the scheme, but one expert says they risk doing the opposite.

Mary Holm joins Nadine Higgins to break down why cuts to government contributions hit low income earners hardest, and how current settings could deepen inequality over time.

So who is KiwiSaver working for? Why are some workers are missing out on employer support altogether? And what are the unintended incentives baked into the system?

Plus, the changes Holm wants to see, from government contributions for beneficiaries to emergency “sidecar” savings designed to stop people falling into debt when life hits.

Recent KiwiSaver changes were meant to strengthen the scheme, but one expert says they risk doing the opposite.
Mary Holm joins Nadine Higgins to break down why cuts to government contributions hit low income earners hardest, and how current settings could deepen inequality over time.
So who is KiwiSaver working for? Why are some workers are missing out on employer support altogether? And what are the unintended incentives baked into the system?
Plus, the changes Holm wants to see, from government contributions for beneficiaries to emergency &ldquo;sidecar&rdquo; savings designed to stop people falling into debt when life hits.

Is KiwiSaver working the way it should?

Is property investing actually dead? Investor Ilse Wolfe doesn’t think so, but she says the old way of doing it is. Ilse joins Nadine to share her strategies for making property investment work in 2026.

From surviving negative equity early on to building strong cashflow, Wolfe argues it’s still viable, if you’re willing to be active and rethink the playbook.

Is property investing actually dead? Investor Ilse Wolfe doesn&rsquo;t think so, but she says the old way of doing it is. Ilse joins Nadine to share her strategies for making property investment work in 2026.
From surviving negative equity early on to building strong cashflow, Wolfe argues it&rsquo;s still viable, if you&rsquo;re willing to be active and rethink the playbook.

Is property investment dead? Not if you do it right. 

Now, more than ever, it might seem like a good idea to invest in an electric vehicle, but does it make sense financially?

Johnathan Sergel, the AA’s chief mobility officer, joins Nadine to dive into the costs involved with owning and running an EV, and how those costs compare to running a petrol vehicle.

With rising fuel costs and EV sales surging, now's the time to do the maths and figure out what makes the best sense for you. 

Now, more than ever, it might seem like a good idea to invest in an electric vehicle, but does it make sense financially?
Johnathan Sergel, the AA&rsquo;s chief mobility officer, joins Nadine to dive into the costs involved with owning and running an EV, and how those costs compare to running a petrol vehicle.
With rising fuel costs and EV sales surging, now's the time to do the maths and figure out what makes the best sense for you.&nbsp;

Is owning a home overrated?

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