The NZ Everyday Investor! A podcast designed for the the everyday person, who's keen to build new wealth in the new world using existing, and new tools to get the job done. We select guests for our show who have a genuine story to tell - not just industry experts but people who have made great financial moves, some on purpose and some totally by accident! We hope you enjoy the show.
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Podcast is all about Financial Literacy. Good credit, Bad credit advice, rebuilding, improving, etc. Anything to make you Financial LIT!!! Cover art photo provided by Two Paddles Axe and Leatherwork on Unsplash: https://unsplash.com/@twopaddles
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I was $300,000 in debt including student loans and mortgages, living a lifestyle way above my means. Three years later my family had paid off all of it including our house! Now that I'm 100% DEBT FREE (that's right no credit cards, car payments or debt of any kind), I'm on a mission to build a community of people who are ready to crush their money goals. This isn't your regular finance show - we're here to have fun and learn about life any money together. Welcome!
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A Property Boom, Interrupted? Ep 437 / Kieran Trass
1:18:22
1:18:22
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Those with too much, or too little testosterone may wish to quibble about the exact lengths of a property cycle, but the relevant thing is that the property cycle is slower than other asset classes. This affords the everyday investor an opportunity to jump on board at more optimal times than others. Should you factor this into your decisions when b…
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Season 7 Episode 10: Frugality, Mental Health, and Financial Freedom
26:12
26:12
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In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie sit down with Shang, the inspiring force behind Save My Cents. Shang shares her journey to financial independence by age 31, her frugal yet joyful approach to life, and the powerful intersection of mental health and financial wellness. Recorded live from FinCon, this conversatio…
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Property Development: The More Active Approach, Ep 436 / John Kenel
1:11:50
1:11:50
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Property development can take many forms, such as subdivisions, renovations, and speculative building. While I have much to learn in this space, I invite you to join me on this journey and starting by checking out this conversation John Kenel. Read more. ______________________ Online courses: The Home Buyers Blueprint: Get a better home; Get a bett…
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Season 7 Episode 9: Breaking Barriers: Path to Wealth, Worth, and Well-Being
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In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie welcome Fernanda, also known as the Relentless Latina, to share her inspiring journey from a struggling engineer to a six-figure investor. As a first-generation immigrant from Mexico, Fernanda reveals the challenges she faced, from workplace discrimination to chronic stress, and…
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Financial Adviser: The Inside Story, Ep 435 / Tony Walker
1:05:58
1:05:58
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A cynical take on the financial services industry is understandable. There's nothing like an obvious financial benefit in the form of a commission or fee based on volume to put into question their motivation. Read more Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. ______________________ Online courses: …
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Season 7 Episode 8: The Power Of Enough: Unlearning Bad Money Habits
35:09
35:09
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Imagine almost missing out on an eye-opening conversation because of preconceived notions! In this episode, Bernadette Joy and Stefanie sit down with George Kamel, a Dave Ramsey personality, to discuss financial independence from a fresh perspective. George shares his journey from being a debt-ridden millennial to achieving millionaire status, disc…
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Don't Invest 'Just Because', Ep 434 / Royden Shotter
1:18:22
1:18:22
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Paradoxically, the pursuit of pleasure or chasing comfort can itself can provide a type of meaning, though deep down, we know we're not meant for perpetual ease. Investing, even when not strictly necessary, can be about creating a meaningful struggle, and finding purpose by placing your resource at risk. On the other hand, too much action without a…
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Season 7 Episode 7: Transforming Fear into Power
35:20
35:20
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Can fear become your unexpected ally? Join us for an insightful conversation with the phenomenal Farnoosh Torabi, author of "A Healthy State of Panic!" as we explore how fear can be transformed from a stumbling block into a guiding force. Alongside Bernadette and Stefanie, Farnoosh shares insights on how embracing fear can lead to more authentic an…
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Home Equity Retirement, Ep 433 / Ralph Stewart
42:10
42:10
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Today I’m speaking with the one and only Ralph Stewart. Ralph is the Founder and Managing Director of Lifetime Retirement Income, a business with over $1b in funds under management. He’s a former CEO of AXA Insurance and the Accident Compensation Corporation (ACC). Ralph’s a smart cookie, and he’s on a mission trying to free the equity-rich cash po…
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Season 7 Episode 6: Empowering Women for Financial Independence: Navigating Divorce
35:20
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In this episode of Crush Your Money Goals, we welcome Erin Levine, the founder of Hello Divorce, to discuss strategies for navigating divorce with confidence and financial independence. Explore the rise of “gray divorces” and the financial challenges women face post-divorce, highlighting the resources and support offered by Hello Divorce, including…
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Self-Paying Mortgages & Engineered Money, Ep 432 / CJ Konstantinos
1:28:20
1:28:20
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I know that I can’t predict the future, but I can see something coming to how our money works. A lot of people can. The signs are getting pretty obvious - there are significant changes afoot which may affect how, and if, you can access the future wealth you're building up today This idea may be confronting, but at some stage, a financial authority …
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Season 7 Episode 5: Transforming Your Career and 401(k) Strategy
34:15
34:15
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In this episode of Crush Your Money Goals, we sit down with Anne Lester, the former Head of Retirement Solutions at JP Morgan Asset Management, to discuss her transformative journey from Wall Street to personal pilgrimage. Anne delves into her pioneering work on target date funds, offering practical financial advice for professional women navigatin…
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Property: Is The Fuse Now Lit? Ep 431 / Nolan Matthias
55:11
55:11
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The recent drop in the official cash rate (OCR) by 0.25% has sparked a flurry of speculation about the future of the property market. Those hanging on for dear life are desperate for good news and recency bias is at work here - many believe lower interest rates signal a return to the boom times. However high on hopium property hodlers are, reality …
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Season 7 Episode 4: How To Turn A Sabbatical Into A Business And Quit Your Day Job (with Giovanna Gonzalez)
36:17
36:17
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Get ready for an exciting chat with Giovanna Gonzalez, aka Gigi or the First Gen Mentor! Learn about Gigi's big switch from a corporate gig in financial services to becoming a financial educator and advocate for Latinas. She opens up about leaving her steady job at Northern Trust to chase her passion for financial literacy, sparked by her viral Tik…
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The REAL Values-Based Investment Strategy, Ep 430 / Hayden Brown
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It’s not about the tools; it’s about the person using them. You’re the tool. What’s the point of obsessing over the best investments if you can’t handle it when things go wrong? Read more. Reach out to Hayden Brown. Sign up to the newsletter! ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to…
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Season 7 Episode 3: How To Be Ambitious Without Losing Your Authenticity (with Mandi Woodruff-Santos)
39:35
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In this episode of the "Crush Your Money Goals", Bernadette Joy and Stefanie chat with Mandi Woodruff-Santos to discuss her journey from journalism to entrepreneurship. Mandi shares her experiences with career transitions, balancing work and family life, and empowering women of color through her podcast "Brown Ambition." Mandi talked about her key …
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The Power Of People's Money, Ep 429 / Louise Macfarlane
57:14
57:14
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As usual, there are only two types of people in the world. 1 – Those who blindly trust governments and most centralised systems: They find it easy to overlook the flaws in currency manipulated by interest rates and new supply injections from a centralised authorities, like government and central banks. 2 – The ‘weirdos’ who ‘think differently’: The…
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Season 7 Episode 2: How To Quit The American Dream And Becoming Financially Lit (with Jannese Torres)
39:49
39:49
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Join Bernadette Joy and Stefanie Gonzales for an inspiring conversation with Jannese, a trailblazing content creator and personal finance expert, as she shares her transformative journey and the incredible work she’s spearheading with the Yo Quiero Dinero podcast. Discover how Jannese empowers people of color, particularly women, to overcome system…
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Thinking Your Way To Riches, Ep 428 / Hayden Brown
57:53
57:53
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I've observed many different drivers for wealth: some are running from poverty, others are driven by greed, seeking comfort, or fulfilling a purpose. "Some dance to remember, some dance to forget." The reasons we think the way we do, and the lives we end up living, can be a bit of a mystery. But the reality that our headspace affects our world isn'…
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Season 7 Episode 1: How to Quit with Conviction
28:04
28:04
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Join Bernadette Joy and Stefanie Gonzales in today’s episode of the Crush Your Money Goals podcast as they discuss quitting corporate life for financial freedom and personal fulfillment. Dive into Stefanie’s 15-year tech journey and its transformation, learn to navigate the challenges of leaving your job with grace and gain expert insights on wealt…
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NZ Super Fund: Performance, Strategy, and Bitcoin? Ep 427 / Rishab Sethi
47:39
47:39
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The New Zealand government invests through the NZ Super Fund to ensure it can maintain Superannuation payments over the long term. By using a growth style fund consisting of 80% growth assets, and 20% income assets, they aim to grow a pot of money as large as they can to assist with the governments future obligations. Despite debates about eligibil…
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The Best Time For Commercial Property? Ep 426 / Scott O'Neill and Dylan Menzies
59:52
59:52
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Today I’m talking with Scott O’Neill and Dylan Menzies from Rethink Investing. Direct commercial property isn’t a common asset type in many everyday investors portfolio, but for a few reasons as we covered today, I think perhaps it will be in the future. Learn more Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on thi…
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Foreign Exchange Risks 2024, Ep 425 / Roger Kerr
48:12
48:12
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When you're trading money for investments, there are many factors that determine the level of resource you'll be able to draw out. The value of your currency right now, and later on, is one of the biggies. Today, I have Roger Kerr from Barrington Treasury with me to discuss some current events that provide a handy launchpad for deeper understanding…
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The Doing & Making Strategy, Ep 424 / Brian Henry
56:13
56:13
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56:13
For some, consistent investing through a retirement fund or buying shares directly is easy. For many more, there's a bit of work involved in mustering up the motivation to start. As someone who hasn't likely taken a straight path there, I'm fairly confident that anyone can invest, and most investment tools will get the job done. What separates thos…
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Another ETF slipped past the goalie? Ep 423 / Paul Quickenden
44:24
44:24
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YouTube version: https://youtu.be/Od8a-7dgat4 Do your own research, but if you're ready to go with crypto, help support the podcast by using the following affiliate link to sign up with Easy Crypto Bitcoin, often seen as digital gold, is primarily meant for holding and storing digital value. The Bitcoin ETF’s success stems from this principle, maki…
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The Purpose-Driven, Everyday Investor, Ep 422 / Darcy Ungaro
24:06
24:06
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Check out the article referred to in this episode. In this short one I want to talk about why you should consider a purpose-based investment strategy right now, rather than just a goal-based investment strategy. My strong, and growing belief, is that the type of change we’re seeing in the world right now, presents an equal opportunity for loss, and…
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There comes a time in our lives where we decide that it's 'now or never'. If we're going to ensure we have ourselves set up well for the future, it's time to make a bold, and unconventional move... Like starting a bank in New Zealand, where the barriers to entry are exceedingly high [and for what reason?] Shane Marsh is my guest today, and he's the…
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3 Inconvenient KiwiSaver Truths Ep 420 / Ben Brinkerhoff
46:51
46:51
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When it comes to retirement, or 'transitionment' if you prefer, KiwiSaver can be a core ingredient, but many of us treat it as a bit on the side. It's important to consider the most common pitfalls that can undermine your efforts and leave you short at your retirement . In a new world now more expensive than what you originally though, you need to …
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Computational Infrastructure Investment Ep 419 / Sam Kivi
47:20
47:20
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47:20
Grid Share's unique approach helps balance the power grid by allowing their data centers to switch on and off quickly, thus supporting the stability and efficiency of renewable energy sources like wind and solar. https://www.gridshare.co/ Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. ____________________…
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The Evolution Of [Broken] Money / John Alcock Ep 418
1:22:33
1:22:33
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Sign up to the newsletter! John Alcock has a Masters of Science specializing in evolutionary biology, and he's a staunch libertarian with politics and law in his background. Today he's bringing a perspective much needed by the everyday investor. Read more here Watch YouTube version here ______________________ Take The Home Buyers Blueprint: Get a b…
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