Money Moments: Cat & Christine - 2024 End of Year Update

It's No Secret

#Trading #Business #Self-Improvement #Catherine Emerson & Christine Jensen #Catherine Emerson #Christine Jensen #Money #Financial Freedom #Career Development #Personal Development #Investing #Property #Wealth Accumulation #Personal Growth #Podcasting Education #Property Investing #Sharemarket #Saving #Budget

40:34

We’ve turned intuition into a buzzword—flattened it into a slogan, a gut feeling, or a vague whisper we don’t always know how to hear. But what if intuition is so much more? What if it's one of the most powerful tools we have—and we’ve just forgotten how to use it? In this episode, I’m joined by Hrund Gunnsteinsdóttir , Icelandic thought leader, filmmaker, and author of InnSæi: Icelandic Wisdom for Turbulent Times . Hrund has spent over 20 years studying and teaching the science and art of intuition through her TED Talk, Netflix documentary (InnSæi: The Power of Intuition), and global work on leadership, innovation, and inner knowing. Together, we explore what intuition really is (hint: not woo-woo), how to cultivate it in a culture obsessed with logic and overthinking, and why your ability to listen to yourself might be the most essential skill you can develop. In This Episode, We Cover: ✅ Why we’ve misunderstood intuition—and how to reclaim it ✅ Practical ways to strengthen your intuitive muscle ✅ What Icelandic wisdom teaches us about inner knowing ✅ How to use intuition during uncertainty and decision-making ✅ Why trusting yourself is an act of rebellion (and power) Intuition isn’t magic—it’s a deep, internal guidance system that already exists inside you. The question is: are you listening? Connect with Hrund: Website: www.hrundgunnsteinsdottir.com TedTalk: https://www.ted.com/talks/hrund_gunnsteinsdottir_listen_to_your_intuition_it_can_help_you_navigate_the_future?utm_campaign=tedspread&utm_medium=referral&utm_source=tedcomshare Newsletter: https://hrundgunnsteinsdottir.com/blog/ LI: www.linkedin.com/in/hrundgunnsteinsdottir IG: https://www.instagram.com/hrundgunnsteinsdottir/ Book: InnSæi: Icelandic Wisdom for Turbulent Times Related Podcast Episodes: How To Breathe: Breathwork, Intuition and Flow State with Francesca Sipma | 267 VI4P - Know Who You Are (Chapter 4) Gentleness: Cultivating Compassion for Yourself and Others with Courtney Carver | 282 Share the Love: If you found this episode insightful, please share it with a friend, tag us on social media, and leave a review on your favorite podcast platform! 🔗 Subscribe & Review: Apple Podcasts | Spotify | Amazon Music Learn more about your ad choices. Visit megaphone.fm/adchoices…

about a year ago 1:03:11

MP3•Episode home

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.

This time, the real Kiwis are us! In this episode, we’re back in the hot seat to update you on what’s going on financially with our lives.
Our last check-in was back in September 2024, so let’s get stuck on what we've been up to since.

Note this recording was filmed in November 2024
Link to the budgeting spreadsheet here

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

174 episodes

Money Moments: Cat & Christine - 2024 End of Year Update

It's No Secret

14 subscribers

published about a year ago

MP3•Episode home

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

174 episodes

All episodes

It's No Secret

1
111. 10 Signs You're Winning Financially 28:28

6 days ago28:28

28:28

Today, we’re shifting the narrative from financial worries to celebrating the wins that often go unnoticed. Inspired by a fantastic article from MoneyHub, we’ll explore ten key indicators that suggest you’re doing better financially than you might realize. Tune in as we unpack these signs and encourage you to reflect on your own financial journey. We also want to hear from you—what are some other signs that indicate you’re on the right track? Moneyhub article: https://www.moneyhub.co.nz/indicators-doing-well-financially.html If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

1
110. "I Regret Buying a House" 22:41

14 days ago22:41

22:41

Today, we dive into a pressing issue that many Kiwis are grappling with: the reality of homeownership in New Zealand. If you purchased a house in the last three years, you might feel like you've taken a step back, especially with recent market fluctuations. Join us as we talk about an anonymous story and chat through the realities of purchasing a home with the view of it being your one-way ticket to wealth. Useful links Infometrics slides If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

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Introducing Shares & ETFs | Kernel Update 33:50

28 days ago33:50

33:50

In this episode, we’re thrilled to share some exciting news from the Kernel team: the launch of Shares and ETFs! This new offering gives Kiwis the chance to invest directly in select range of shares and ETFs, making it easier than ever to build your wealth. Join us as we chat through what this could mean for you and how it can fit into your investment strategy. Specifically, we chat about: Why Kernel launched Shares & ETFs? An overview of how Shares & ETFs work on the Platform How much it costs to use Shares & ETFs & an overview of the pricing plan How Shares & ETFs can fit alongside your current investments using a Core-Satellite investing strategy If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

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109. Is the Stress Worth the Pay? 44:51

6 weeks ago44:51

44:51

In today’s episode, we dive into a pressing question: Is having a high-paying job truly worth it? While many might instinctively say yes, reality can often be more complex. Join us as we explore the potential pitfalls and benefits of high salaries, revealing the truths that can help you navigate your own financial journey. Specifically, we chatted about: High-Paying Jobs in NZ: We explore the highest-paying roles according to Seek and how salary figures can differ based on various sources. Cons of High Salaries: Increased expectations and accountability, particularly for roles like CEO, can lead to longer working hours and a higher risk of burnout. Pros of High Salaries: Enhanced financial security allows for a better lifestyle, networking opportunities, and potential for earlier retirement if managed wisely. Real-Life Experiences: Insights from Reddit users who have taken pay cuts for better work-life balance, sharing their journeys and the positive impacts on their well-being. If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

1
108. Navigating Market Turbulence: Tariffs, Volatility, and Staying the Course 23:36

7 weeks ago23:36

23:36

In this podcast episode, we're joined by Kernel Founder & CEO Dean Anderson to chat about the latest developments in the markets and how they’re impacting investors. Specifically, we discuss: The impact of US tariffs and rising market volatility, including what this means for global and local economies. New Zealand’s relatively stable position amidst global uncertainty and the signs of economic recovery. Key investment principles to navigate turbulent markets, such as diversification, aligning investments with your time horizon, and the benefits of dollar-cost averaging. Practical tips for KiwiSaver investors, including how to approach short-term and long-term goals during periods of volatility. See the graphs and numbers via our latest blog here : If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

1
107. Active vs. Passive: Are You Settling For Average? 23:36

8 weeks ago23:36

23:36

In the world of investing, the debate between active and passive strategies has been significant among many investors. While active investing involves selecting individual stocks and timing the market, passive investing focuses on tracking market indices through funds. This episode dives deep into the nuances of both approaches, exploring their historical performance, current trends, and what they mean for investors today. Specifically, we chatted about: The key differences between the active vs passive investment strategies What the general consensus was when it came to passive investing How the overall sentiment has changed throughout time, particularly overseas and perhaps in NZ. Why it's so difficult to beat the market and the percentage of NZ fund managers that actually can beat the index. Read the full blog here: https://kernelwealth.co.nz/blog/active-vs-passive-investing-are-you-settling-for-average If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

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105. Trump & Investing: 5 Tips to Remember During Uncertain Times 21:58

9 weeks ago21:58

21:58

This week, we dive into investing during uncertain and volatile market conditions. With recent economic shifts driven by new policies and tariffs, many investors are feeling the pressure to take some sort of action. Join us as we chat about timeless tips to remember during turbulent times. Specifically, we chat about: What's currently happening in the markets which are causing people to worry Why uncertainty creates volatility, especially in the sharemarkets How investing to fit your risk profile can lead to better outcomes What you can do to reframe market volatility as an opportunity And much more! If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

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106. How Does Tax Work When Investing In Kernel Funds? 21:04

9 weeks ago21:04

21:04

Tax is an unavoidable cost of investing, so ensuring you understand how it works can help you get the most out of your investments. In New Zealand, Portfolio Investment Entities ( PIE ) funds offer a tax-efficient way to invest, but navigating their tax rules can sometimes be challenging. Find out how they work in this podcast episode, alternatively read the full blog below. https://kernelwealth.co.nz/blog/how-does-tax-work-when-investing-in-kernel-funds If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

1
Winning the Office Lottery, Personal Finance Journey & Paying off Student Loans | Money Moments w/ Joni 55:09

11 weeks ago55:09

55:09

In today's Money Moments episode, we're joined by our very own Joni from the Customer Success team. In this episode, Joni shares his experience with money, in particular: What his relationship with money was like growing up in Indonesia, US, and NZ How he paid off his student debt with the help of his friends What his personal finance journey was like and how it has changed over time The impact of the COVID lockdown and on his personal finances How he would spend his money differently had he known what he knows now And much more! If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

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104. Foundational Money Tips For Your 20s, 30s & Beyond 34:50

12 weeks ago34:50

34:50

In this episode we're diving into a topic that hits home for many—practical money tips for those in their 20s and 30s. This stage of life is often packed with big decisions about finances, careers, and relationships, which can sometimes feel overwhelming. That’s why we’re here to simplify the process and share the insights we wish we had known earlier. Remember, everyone’s journey is different, and it’s okay to move at your own pace. Here’s what we cover in this episode: Why setting up an emergency fund is crucial and how to figure out how much you might need. The importance of stepping back to understand your cash flow and spending habits. How your relationships and personal values shape the way you interact with money. Tips for reframing your goals to create a clearer vision of what you want in life. Where KiwiSaver fits into the bigger picture of financial planning. Tune in now to learn more! If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

1
Money Q&A: Pricing, Distributions, and Market Timing - Fund Units Explained 34:22

13 weeks ago34:22

34:22

In this episode, we are joined by Aaron, our Portfolio Analyst, to explain fund units and how they work. We cover important topics like swing pricing and the effects of distributions, helping both new and experienced investors understand these concepts better. Tune in to learn how fund units work! Specifically, we chat about: What are units in a fund, and how are they different from company shares? How is the unit price set, and why is end-of-day valuation important? Why does the unit price on the Kernel platform sometimes look outdated? How do distributions affect unit prices, and what does that mean for you? Should you wait for a lower unit price, or is dollar cost averaging a better approach? How does order timing relate to unit pricing in different time zones? If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

1
103. Money Tips During Lower(ing) Interest Rates 23:38

14 weeks ago23:38

23:38

In today's episode, Cat sits down with Dean Anderson, Founder and CE of Kernel, to chat about what the lowering of the Official Cash Rate (OCR) can mean for you. Disclaimer: This episode was recorded on 13 Feb and this episode is set to go live on the 19 February the day when the RBNZ is reviewing the OCR. Whether you're borrowing, saving, or investing, this conversation gives you an overview of what you may want to consider doing with your money in the lower interest rate environment. Specifically, we chat about: What is the RBNZ Suspected to Do Today with the OCR and Why? General Consensus on How the OCR Will Change Over Time How This Affects You: Borrowing, Saving, or Investing And much more! If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

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Buying Her First Home, Living Your Rich Life & Starting a Business | Money Moments w/ Rebekah 1:28:56

15 weeks ago1:28:56

1:28:56

In today's Money Moments, we're joined by Rebekah, Head of Human Resources in Citta. In this episode, Rebekah shares her experience with money, in particular: How she bought her first home without a partner What her relationship with money was like growing up How she started her electrolysis business Her views on money and how it has changed throughout time The importance of detaching your self-worth from your net worth And much more! If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

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102. Dividend Investing in NZ: Does it Work? 31:03

16 weeks ago31:03

31:03

In this episode, we have podcast director, Tim , in the hot seat alongside Kernel Founder and CE, Dean Anderson to explore why New Zealand has such a strong dividend culture, and whether chasing dividend yields is the best strategy for long-term wealth building. With NZ companies paying out 82.5% of post-tax income as dividends (compared to the global average of 47.6%), we'll examine if this high-yield approach helps or hinders investors. Key Questions Discussed: Why are dividends so popular in New Zealand? Do high dividend payouts limit company growth? What's better: reinvesting dividends or taking cash? How do imputation credits affect dividend investing? Is dividend investing the best way to generate passive income? Plus much more! Tune in now for more Here's the research mentioned in the podcast: Should Companies Pay High Dividends? If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend. SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify Follow us for fun chat & financial tidbits on IG: @itsnosecretnz Got questions? Get in touch: www.itsnosecret.co.nz Disclaimer: Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice. Any information we provide is general only and current at the time of writing. Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz…

It's No Secret

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Money Q&A: How Dividends Work & Moving Investment Platforms 40:37

17 weeks ago40:37