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…70 clip(s) in playlist
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
Prolific investor says property isn't dead
Landlords, capital gains tax and the future of property investing. Owner of 43 properties and founder of Opes Partners, Andrew Nicol, joins Nadine Higgins to explain why he thinks mum-and-dad investors have become an easy political targe and why he still has faith in housing despite the market slum…
31:04
SpaceX just went public. Opportunity or bubble?
SpaceX has gone public in the biggest IPO in history, with OpenAI and Anthropic expected to follow. Together, the three companies could be worth more than US$3 trillion. So are they the investment opportunity of a lifetime, or the next great tech bubble? Fisher Funds portfolio manager Sam Dickie …
30:24
The forgotten pension money Kiwis are leaving behind
Could an old job be holding money you’ve forgotten about? In this episode of The Prosperity Project, Nadine Higgins speaks to NZBritannia founder Alun Rees-Williams about the UK pension money many Kiwis lose track of after working overseas. Some people discover multiple pension schemes from differ…
28:54
The crypto tax problem nobody warned you about
The IRD is ramping up crypto enforcement and some investors are discovering they owe tax on gains that have long since disappeared. Crypto tax specialist Tim Doyle joins Nadine Higgins to explain why even small investors are now in the IRD's sights, the mistakes that create nightmare tax bills and …
25:10