Interest rates are rising again, fuel prices are climbing and many homeowners are wondering what to do next. But according to Squirrel mortgage adviser Adam Clark, too many Kiwis are focusing on the wrong things.

In this episode of The Prosperity Project, Adam joins Nadine Higgins to unpack the psychology of mortgages, why obsessing over tiny rate differences can backfire, and the financial habits that quietly cost borrowers hundreds of thousands over the life of a loan.

They also dive into refinancing, cashback offers, fixing strategies, mortgage structures, EV lending and the dangerous temptation of “cheap debt”.

Plus:

• Why banks hike rates before the Reserve Bank moves
• The truth about cashback “free money”
• Why fixing for the shortest term isn’t always smartest