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It's No Secret It’s No Secret is a podcast for Kiwis who want their money questions answered.

Things I loved chatting about in 2021 - property, crypto and myself! 😅 Ahem, I mean *investing* in myself. ⁠⁠If you need...
21/12/2021

Things I loved chatting about in 2021 - property, crypto and myself! 😅 Ahem, I mean *investing* in myself. ⁠
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If you need some beach side/roadie/escape from the family listening, then these episodes would be my go-tos. Enjoy team 😎⁠
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What have our two co-hosts been up to in their own financial lives over the last few weeks you ask? 👀 ⁠⁠Well, this week ...
06/07/2021

What have our two co-hosts been up to in their own financial lives over the last few weeks you ask? 👀 ⁠
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Well, this week on the podcast we dropped a sneaky Money Moments episode sharing all those details 😉 🎧⁠
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Christine & Catherine talk being a first home buyer, renovating property to sell, investing in yourself, money and mental health, personal development, our struggles with goal setting and, of course, spreadsheets. ⁠
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Feedback, thoughts or questions on this episode - we'd love to hear it! ⁠
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Listen via:
Apple Podcasts: https://podcasts.apple.com/us/podcast/bonus-episode-money-moments-cat-christine-being-first/id1555999082?i=1000527127994
Spotify: https://open.spotify.com/episode/1Og7O0Zk0ktihe5yiRpWRn?si=wC3GY6KtQQ2A0nJ6OmNxaQ&dl_branch=1
Google Podcasts and more: https://plinkhq.com/i/1555999082?to=page

We've all got that one spending rule we live by (or think of) every time we go to buy something. ⁠⁠For Jervis, his is to...
23/06/2021

We've all got that one spending rule we live by (or think of) every time we go to buy something. ⁠
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For Jervis, his is to think of it as a 1 for 1, price to wear ratio. So if he's not in love with a jumper that costs $100, and he doesn't think he'll wear it 100 times then it's a no-go. ⁠
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This applies to almost everything he buys, with the exception of soccer boots which is the ultimate spend to bring him joy! Gotta have a little bit of balance in there. ⚽⁠
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Do you have a rule you consciously, or subconsciously follow when it comes to spending? Hit like if yes!

Well hello there money-chatting pals! ⁠⁠So recently we roped our significant others into the podcasting fold for a money...
02/06/2021

Well hello there money-chatting pals! ⁠
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So recently we roped our significant others into the podcasting fold for a money + relationships tell all...now we're back with part 2 baby! ⁠
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In this part of the conversation, Ollie, Cat, Christine and Luke sit down to discuss:⁠
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🧡 Setting goals as a couple⁠
🧡 We each share our upcoming goals and how we got there⁠
🧡 Whether there is a downside to being super ambitious ⁠
🧡 When you should or shouldn’t deviate from your combined financial plan ⁠
🧡 Do the spender and saver stereotypes in a relationship exist⁠
🧡 Frugality and cheapness - are they the same thing and what happens when you come from different angles?⁠
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This part-two of relationships & money deep dive is one not to miss! ⁠
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Listen & Subscribe now:
Apple Podcasts: https://podcasts.apple.com/us/podcast/14-does-every-relationship-need-cfo-how-do-you-combine/id1555999082?i=1000523870990
Spotify: https://open.spotify.com/episode/0PVnkIEYEXtPeCi0CmB1QY
Google Podcasts and more: https://plinkhq.com/i/1555999082?to=page

06/05/2021

Hi friends 👋👋 Happy Friyay and BONUS EPISODE DAY! ⁠
For your weekend roadie we have another Money Moments episode. This time, we're joined by the one and only Svoboda.

Armin is the Head of Digital at Kernel and was in another life a semi-professional rower. He's also an all-around awesome human who Cat Emerson and Christine are lucky enough to work with. ⁠
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From a young age, Armin has had a keen interest in business and finance, which was is what led him to start investing in the share markets, start a side hustle and dabble in crypto. ⁠
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In this episode, Armin shares: ⁠
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💡 Why it’s so important to find a money partner in life⁠
💡 What it’s like to combine finances in a relationship, especially when you’re bringing debt to the table⁠
💡 How, as athletes, Armin and his fiancé managed to live off $20k per year⁠
💡 How they manage their money using the Barefoot Investor’s bucket system ⁠
💡 Why he chooses to invest in crypto with his “play money”⁠
💡 The realities of owning a home in this current housing market, and why upsizing has led him to reflect on his initial property purchase⁠
⁠..and lots more good stuff. ⁠
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This is a goodie, so be sure to listen and subscribe on:
Apple Podcasts: https://podcasts.apple.com/us/podcast/its-no-secret/id1555999082?itsct=podcast_box&itscg=30200
Spotify: https://open.spotify.com/episode/7wjNQmPdeXTQ31Tc7kBmjB?si=tnyy14fjR1eEbJnvKE6SLA
Google Podcasts and more: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xNzA0MjQ3LnJzcw==

Budgeting can be cool! Especially when you’re following the 50/30/20 approach. What’s that, we hear you asking…⁠⁠The 50/...
06/05/2021

Budgeting can be cool! Especially when you’re following the 50/30/20 approach. What’s that, we hear you asking…⁠
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The 50/30/20 budgeting approach is a way to think about splitting your money when it lands in your bank account. Think of your take-home pay in three buckets:⁠
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💵: 50% – NEEDS. This contains the expenses you need to be able to live safely – housing, water, food, transport, minimum debt repayments etc.⁠
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💵: 30% – WANTS. All of your discretionary expenses – so everything from eating out, your gym membership, Netflix account, to your holiday goals or desire to upgrade your kitchen.⁠
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💵: 20% – PAY YOURSELF FIRST. Whatever you are working towards for future you comes into this bucket: saving, investing, additional debt payments above the minimum.⁠
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Time to shake up the way you sort your money when you get paid (or pay yourself, for all those business owners out there)?! ⁠

Listen and subscribe to the pod: https://plinkhq.com/i/1555999082?to=page

You know what day it is... NEW PODCAST EPISODE DAY!! This week, we chat about: ⁠⁠HOW MUCH FINANCIAL PLANNING IS TOO MUCH...
04/05/2021

You know what day it is... NEW PODCAST EPISODE DAY!! This week, we chat about: ⁠
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HOW MUCH FINANCIAL PLANNING IS TOO MUCH FINANCIAL PLANNING?! ⁠
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There are often two types of people in the world. Those who LOVE financial planning and crunching numbers in their spreadsheets, and those who avoid it like the plague. ⁠
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But does it have to be one or the other? And is there a balance we can strike between having clarity over our finances by planning, and over-planning then scaring ourselves out of ever looking at a spreadsheet (or adviser) again? ⁠
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Listen to the pod to find out 😉😉 ⁠
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Here's the full rundown of what we cover in the pod episode: ⁠
🔢 ⁠How having clarity over our finances can benefit us in many aspects of our lives ⁠
🔢 ⁠What financial planning actually IS and whether it's something you can effectively do alone ⁠
🔢 ⁠The difference between day to day money management and financial planning⁠
🔢 ⁠Ideas to improve your financial planning skills ⁠
🔢⁠ What a financial planner actually does, how you can find one when you should consider using a financial adviser and how much you can expect to pay them⁠
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Listen & Subscribe now: https://plinkhq.com/i/1555999082?to=page

With the recent rise of new investing platforms in both NZ and overseas, we're seeing more and more people starting to d...
20/04/2021

With the recent rise of new investing platforms in both NZ and overseas, we're seeing more and more people starting to dip their toes in the share market waters and give investing a go 🙌🏽⁠
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But how do you know a) where to start, b) why even start and c) how to start? In our latest episode we cover the.....⁠
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WHAT, WHY, WHERE, WHEN, HOW DO I START INVESTING IN THE SHARE MARKETS? ⁠
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We had SO much to say on this topic, that we've divided it into a two-part series! Who knew there was so much to talk about share markets?! (Us, we definitely knew) 😉 ⁠
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In this episode you'll hear more about:⁠
📚⁠ What the share markets are and how they work⁠
📚⁠ The property vs shares debate⁠
📚⁠ What a share market index is and how it came to life⁠
📚⁠ Pros and cons of investing in the share markets⁠
📚⁠ How to know when you're ready to invest⁠
📚⁠ And what to do once you are! ⁠
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Listen and subscribe now:
Apple: https://podcasts.apple.com/us/podcast/9-part-1-how-do-i-start-investing-in-the-share-markets/id1555999082?i=1000517811651
Spotify: https://open.spotify.com/episode/306Lkb3DA8WDpful1h8HO4?si=166733579fb14ee8&nd=1

14/04/2021

What is a sinking fund, and why do you need one?! ⛵ 💸⁠
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Much like the name, a sinking fund is a pot of money that is there for you, if and when you need to sink a lot of $$ into a large short term expense. It’s a strategic way to save money by setting aside a little bit each week or month in either one or multiple categories to be used for a later date. The purpose is so that you are saving up a small amount regularly for a certain amount of time before you spend it. ⁠
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Common sinking funds people have are for a new car, weddings, to buy a designer 🐶 and more. ⁠
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Now, sinking funds are great in theory…but we’re realists and we know it doesn’t always work out that way. So what should you do if you don’t have a sinking fund, or don’t have enough time to build up the fund before the expense hits?! ⁠
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Find out in our latest podcast episode. Listen & subscribe now on:
Apple Podcasts: https://podcasts.apple.com/us/podcast/its-no-secret/id1555999082?itsct=podcast_box&itscg=30200
Spotify: https://open.spotify.com/episode/0xEDcbcHhEjG3sCp9SAuYC?si=bcaa06612c624626
Google Podcasts and more: https://plinkhq.com/i/1555999082?to=page

Goooood morning fellow money-chatter! Guess what? It's NEW EPISODE DAY! On the pod this week, we're answering the questi...
12/04/2021

Goooood morning fellow money-chatter! Guess what? It's NEW EPISODE DAY! On the pod this week, we're answering the question of: ⁠
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HOW DO YOU PLAN FOR AND PAY A LARGE SHORT TERM EXPENSE?⁠
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What is a large short term expense, we hear you asking? Think weddings, a new car, health expenses and pet bills. ⁠
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In this episode, we cover allll the things, including:⁠
💸 The largest amount of cash we've ever spent on a personal expense!
💸 How we saved for those items...and in some cases didn't - eeek!
💸 What a sinking fund is and why it's the best way to save
💸 Delayed gratification and how to prioritise
💸 Learning to love what you spend money on and not being deterred by the views of others
💸 Spending money in line with your values
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Get listening and subscribing NOW:
Apple Podcasts: https://podcasts.apple.com/us/podcast/8-how-do-you-plan-and-pay-for-large-short-term-expenses/id1555999082?i=1000516838545
Spotify: https://open.spotify.com/episode/0xEDcbcHhEjG3sCp9SAuYC?si=252c77dd8c9344dd

09/04/2021

Welcome to our second Money Moments episode, where we chat with real Kiwis about their experiences with money! ⭐⁠⁠
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In this episode, we’re lucky enough to be joined by Kalé Emery - a non-traditional financial adviser, co-founder of The Money Men and all around great guy. ⁠⁠
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We love people who practise what they preach, and Kalé does exactly this. He started using a financial adviser in his early 20s to build solid money and investing habits, before going on to become a financial adviser himself. And a great one at that! ⁠⁠
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During the episode, Cat Emerson and Kalé Emery chat about:⁠⁠
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👉 How finding an inadvertent money mentor at a young age changed the course of his career and how he approached money⁠⁠
👉 Taking the plunge to start a business (twice!) and why he'd never go back to the 9 to 5⁠⁠
👉 His regrets around investing and the beauty of hindsight⁠⁠
👉 Why buying a property was not the right choice for him ⁠⁠
👉 What to do when achieving your financial goals seems like climbing Mt Everest⁠⁠
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Keen to walk the talk like Kalé? Find out about his successes and learnings from doing so, in our latest episode:
Apple Podcasts: https://podcasts.apple.com/us/podcast/bonus-episode-money-moments-kal%C3%A9-emery-starting-business/id1555999082?i=1000516312073
Spotify: https://open.spotify.com/episode/2E2THq1Ve160IxdCsS0G9y?si=845d9eb743364c2e

Happy Tuesday and NEW EPISODE DAY! Episode 7 is here. ⁠⁠IS STARTING A BUSINESS REALLY WORTH IT? ⁠⁠Every millennial these...
06/04/2021

Happy Tuesday and NEW EPISODE DAY! Episode 7 is here. ⁠
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IS STARTING A BUSINESS REALLY WORTH IT? ⁠
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Every millennial these days wants to create a passive income and a side hustle (that's us!). The idea of making money sounds attractive, but what is the reality that comes along with it?⁠
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Starting a business is so much more than simply reserving a URL or an Instagram handle. Is it really worth all the time, stress and financial commitment? ⁠
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In this episode and answer this question plus chat about: ⁠
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👔 Side hustle vs serious venture - what's the difference? ⁠
👔 Recognising what your skillset is and that not all of us are destined to be founders!⁠
👔 How you can be involved in a business in other ways - both financially and with your time⁠
👔 What is an employee share options plan, negotiating other benefits and joining businesses you believe in⁠
👔 There's power in being successful in your 9-5 and other ways you can benefit from a business' success⁠

Listen and subscribe now: https://plinkhq.com/i/1555999082?to=page

Welcome to Tuesday - it's episode 6 here 👋🏽 ⁠⁠HOW MUCH DEBT IS TOO MUCH DEBT? 😬⁠⁠Welcome to the debt life, we love it he...
29/03/2021

Welcome to Tuesday - it's episode 6 here 👋🏽 ⁠
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HOW MUCH DEBT IS TOO MUCH DEBT? 😬⁠
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Welcome to the debt life, we love it here. We're only sort of kidding. 🤑⁠
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It's commonly known that many Kiwis are terrified of taking on too much debt, and those with mortgages are often keen to get rid of them ASAP! ⁠
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But is all debt really that bad? How do we know whether the amount of debt we have is okay, or way too high? ⁠
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In this episode we talk through:⁠
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⛓️ What exactly are good debts & bad debts⁠
⛓️ Being realistic with your debt levels when buying your first home⁠
⛓️ Whether being debt-free really is the key to financial success⁠
⛓️ The waterfall debt payment method & offset accounts ⁠
⛓️ The trouble with comparing debt-free journeys ⁠
⛓️ Whether to repay your debt, or invest!⁠
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Listen and subscribe now on:
Apple Podcasts: https://podcasts.apple.com/us/podcast/its-no-secret/id1555999082?itsct=podcast_box&itscg=30200
Spotify: https://open.spotify.com/show/0aUB8OUfwjns7H1UtoeisX
Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xNzA0MjQ3LnJzcw==?utm_campaign=It%27s%20No%20Secret&utm_content=158085501&utm_medium=social&utm_source=linkedin&hss_channel=lcp-72064575

Everyone can be good with money, no matter what their circumstances may be. ⁠⁠Sometimes all it takes is a genuine curios...
29/03/2021

Everyone can be good with money, no matter what their circumstances may be. ⁠
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Sometimes all it takes is a genuine curiosity to be better and having someone to learn with or ask questions to (that's us!). 🧑‍🤝‍🧑🙋‍♀️⁠
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Tune in to our latest episode, on investing with family, to get all your questions answered: https://plinkhq.com/i/1555999082?to=page

We are truly blown away by all of the amazing feedback we have received so far! 🤩⁠⁠Here are a few of our fave pieces of ...
24/03/2021

We are truly blown away by all of the amazing feedback we have received so far! 🤩⁠
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Here are a few of our fave pieces of feedback so far^^ 👏⁠
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It's YOU listening, subscribing and sharing that has helped bump us up to #1 on Apple Podcasts in the business category, and hit the milestone of 3k+ downloads so far. ⁠
So THANK YOU!!! ✋⁠
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We're passionate about reaching as many Kiwis as we can, to encourage open, honest discussions around money - and would love your continued help. ⁠
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Our ask: please share the pod with one friend, family member or acquaintance (Christine literally sold it to her Dr. during an appt ) so we can spread the word far and wide. ⁠
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Thanks a mil! 🙏⭐⁠
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- Christine & Cat. ⁠

$787,000. That's how much $ a 2-person household living in the city will need to have saved for retirement (outside of p...
23/03/2021

$787,000. That's how much $ a 2-person household living in the city will need to have saved for retirement (outside of paying off their mortgage) to enjoy a lifestyle with choice. ⁠
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Comparatively, a 2-person household living rurally would need to have saved $493,000 to fund the same lifestyle. ⁠
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Even further, most retirees currently supplement their NZ superannuation payments with savings or income. 💵⁠
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Massey Uni highlights these stats and more in their 2019 Retirement Expenditure Guidelines, where they surveyed 4000 Kiwis over the age of 55. 🗝️⁠
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Our latest pod episode answering the question of 'do I really need to be thinking about retirement now?' unpacks this further, highlighting why relying on NZ Super to fund your dream retirement may not be the best plan. ⁠
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Listen and subscribe now via: https://plinkhq.com/i/1555999082?to=page

Hey friends...it's episode 5 calling. 📞 ⁠⁠DO I REALLY NEED TO START THINKING ABOUT MY RETIREMENT NOW? 🧓⁠⁠Retirement can ...
22/03/2021

Hey friends...it's episode 5 calling. 📞 ⁠
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DO I REALLY NEED TO START THINKING ABOUT MY RETIREMENT NOW? 🧓⁠
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Retirement can often feel like an idea that is SO far away, especially if you're in your 20s and 30s. So should we be starting to save and invest for it now? ⁠
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In this episode, and chat about: ⁠
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🗝️ Why it's important to start thinking about your retirement now, so you can retire in style⁠
🗝️ How to figure out your magic retirement number - using two different methods⁠
🗝️ How much money they hope to have to retire with, and why⁠

Join the conversation: https://plinkhq.com/i/1555999082?to=page

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