The Prosperity Project
The Prosperity Project
Playlist by The Prosperity ProjectThe 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 mo…74 clip(s) in playlist
How to know if your KiwiSaver is working for you
How often should you review your KiwiSaver — and what should you actually be looking at? In this episode of The Prosperity Project, we talk through what matters when reviewing your KiwiSaver, from your retirement goals and contribution levels to fees, fund types and provider performance. Financia…
29:54
What to do when you can’t pay your debts
What happens when you simply can’t afford to pay your debts? FinCap financial mentor Charlotte Whitakker joins The Prosperity Project to explain the options available when debt becomes overwhelming — from negotiating with lenders and hardship applications to KiwiSaver withdrawals, debt repayment o…
33:53
The mistakes buyers make in front of real estate agents
Buying or selling a house is a complicated and often confusing process that real estate agents are smack in the middle of, and stand to benefit from. So what should we share when dealing with an agent, and what should we keep close to our chest? Barfoot & Thompson real estate agent Ryan Harding …
33:11
What happens to your money in a retirement village?
Moving into a retirement village can offer community, convenience and freedom from maintaining a family home — but the financial arrangement is very different from buying property. Anthony Harper law firm partner Jenny Baldwin explains occupation right agreements, ongoing fees, capital gains, defe…
30:02
When should you teach children about money?
Are you raising a child who thinks money just appears? From pocket money and piggy banks to KiwiSaver, first jobs and the temptation to bail them out, the lessons start much earlier than many parents realise. So, should chores earn cash? When should children start investing? And when is it better …
29:33
What banks really check before approving your mortgage
Buying your first home can feel impossible, but you may be closer than you think. Mortgage adviser Michelle Isemonger joins Nadine Higgins to explain how to prepare before applying for finance, what banks are looking for and whether you really need a 20% deposit. They also cover pre-approval, Kiw…
31:31
Why mortgage rates don’t follow the OCR
The OCR has risen, but does that automatically mean your mortgage rate will rise with it? Economist and commentator Bernard Hickey explains what really drives fixed mortgage rates, why New Zealand’s banks remain exceptionally profitable, and whether the Reserve Bank has moved too soon while the ec…
32:43
The right way to electrify your home
Mike Casey from Rewiring Aotearoa says solar can now pay off faster than many households realise, but the biggest savings come from understanding how your home actually uses energy. From gas hot water to EVs, batteries and green loans, Mike and Nadine break down what to weigh up before going electr…
29:50
Bonus Episode: What did investing look like 30 years ago?
Think back to 1996. Dial-up internet, bulky desktop computers and no KiwiSaver. Investing looked very different. And most New Zealanders had never even heard of Exchange Traded Funds. In this special episode of The Prosperity Project, Nadine Higgins sits down with PJ Harding to explore 30 years …
36:09
Think means testing NZ Super is too hard? Shamubeel Eaqub says"bugger off"
The government currently spends about a billion dollars a fortnight on superannuation payments, it's a growing problem that we're running out of time to address. So who shouldn’t be counting on getting the pension in future? Shamubeel Eaqub, Simplicity chief economist and head of policy, joins Nad…
30:26