In today's podcast episode, we’ll be chatting about how people's differing money situations can affect friendships and ultimately behaviour. At some point, you’ve probably experienced a difference in wealth (or perceived wealth) between you and your friends. But should you let this difference in lifestyle affect your behaviour? Let’s discuss. Specifically, we chat about: Why there will always be differences in wealth between your friend groups How your definition of wealth and priorities changes over time What drives the feeling of competitiveness How people tend to talk less about money as they get older What you can do to stop comparing yourself to others 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

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we're joined by Sarah Kelsey, host of the personal finance & development podcast, the OneUp project. Sarah started her podcast over 4 years ago and has grown her listenership to over [345,000] with Kiwis from all over NZ tuning into her tips on how to get the most out of your money and, ultimately, life. We have lots to talk about in today’s ep, let’s get stuck in. Specifically, we chat about: How much money Sarah has stashed away for a rainy day - a.k.a emergency fund What she's doing to leverage the connections that she's made through the podcast How she manages her money using 9 of her bank accounts What's her big 'a-ha' moment was when it comes to approaching & viewing money Why slowing down has helped her recollect and focus more on what she values What's next for her career and where she wants to go 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

In today's podcast episode, we’ll be chatting about whether or not the Kiwi dream of owning a bach is all that is cracked up to be. Many Kiwis often dream about having a bach to use as an escape during their extended breaks. But what if we told you that you may be better off putting that money towards boujee yearly holidays instead? In this podcast episode, we chat about: The pros and cons of a bach The average price of a bach across different holiday destinations and how much you could be paying Why renting out your bach or relying on capital gains may not give you the outcome you want How premium your holiday could be if that money is instead put towards yearly holidays References: Infometrics Housing Price Data Lighthouse Financial Case Study 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

In honour of our favourite time of the year - aka tax time - we thought we’d answer a few commonly asked questions. Specifically, we answer: How important is tax when investing? Are NZ shares taxed differently from global shares? What benefit does investing through a trust give me, if at all? What the heck is the FIF tax regime? Got a burning money question that you want answered? Slide into our DM’s and we’ll answer them on the pod! 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

Wondering how you can set up your children for financial success in the future? Then this podcast episode is for you! In this episode, we are joined by Co-Founder of SquareOne, Jovan Pavlicevic. Jovan has a background in starting businesses and wears many hats at SquareOne - from strategic capital raising to designing the customer and employee experience. With a background in starting businesses, he has always loved finding novel ways to fix broken things. This time, with how we can empower kids, and everyday Kiwis, to be better with money. In this podcast episode, we chat about: What is SquareOne and how can it help children to be better with money Some practical tips in money management for kids When the 'right' time is to start teaching your children about money Why it’s important to upskill your financial knowledge so you can help your kids be better with money Learn more about SquareOne 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

In today's podcast episode, we’ll be revisiting the ever-important rainy day funds; more commonly known as emergency funds! While emergencies are rare, it is important to have money set aside for some peace of mind. So if you're looking for some inspiration on where to get started with your emergency fund, this episode is for you! In this podcast episode, we chat about: When and how you should use your emergency fund - spoiler it's not for last-minute dresses. How much you should set aside for your emergency fund and what factors to consider? The different places where you can invest your emergency funds while keeping it accessible How credit cards and insurance can play into how you handle your emergency spending. 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

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money. In this episode, we’re joined by Chanel Clark, marketing extraordinaire and North Shore local. Chanel has recently transitioned from being a full-time employee to starting and running her own business AND is also looking to move overseas in the near future. So we have lots to talk about in today’s ep, let’s get stuck in. Specifically, we chat about: What her relationship with money was like growing up Why she ended up with a ~100k student loan Her experience navigating her way through the marketing industry and rebounding from redundancies How she tripled her salary by doubling down on her marketing skills and starting a business What's next for her career and where she wants to go 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

In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel. This time, we'll be answering questions such as: How to invest a lump sum of money across different scenarios Are you better off having a nanny for your child or sending them to daycare? How to invest while also starting a family What are bonds and should I invest in them? Do you have a burning money question you want answered? Let us know in the DM's we'd love to hear from you 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

In today's podcast episode, we’ll be talking about love and its costs. The cost of love sounds like it has a ‘negative connotation’ it doesn’t necessarily need to be that way. The reality is that costs can come with getting into, being in and/or ending a relationship with someone. So this Valentine's Day, we thought we'd do a special episode talking all about the money topics that you may face while on your relationship journey. In this podcast episode, we chat about: Why money compatibility is *super* important in a relationship A few things to consider when you're thinking of sharing your finances with your partner The different love languages that you may fall into and how that can affect your spending habits Some tips, tricks and conversation starters to get you thinking about how you can bring up the money chat with your partner or soon-to-be 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

Today we're back with another Money Moments episode, where we chat to real Kiwis about money. We’re back with our friend Jervis, for an update on what’s happening in his financial world, since recording an initial Money Moments ~2 years ago. When we spoke to Jervis last, he lived and worked in a digital marketing agency in Auckland. We spoke about several things on the podcast, ranging from how he initially got in and out of personal debt to his 30/30/30/10 budgeting approach and how his life pillars drive his happiness (incl. one finance pillar). Jervis is now a digital nomad who is living in Malaysia. Stopping in NZ for a quick visit, we thought we’d steal an hour of his time to hear an update on how things are doing. In this episode, we chat about: What it was like working, moving and living in Singapore for work The costs associated with moving overseas and how much he spent How his values have changed over time, learning from work and travel Why he's tweaked a few of his spending and investing habits ...and plenty more goodness! 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

In today's special podcast episode, we'll be answering many different questions that we often get in the DM's from the gram as well as a few Kernel customer questions. Specifically we'll be answering questions such as: What are the factors to consider when creating a joint account with your partner Should you convert all of your investments into cash when you hit 65 Things to consider if you're concerned about job loss in the near future How to move your Super Annuation from Australia to New Zealand 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

Looking to achieve your 2024 New Year resolutions? Then this podcast episode is for you! We are almost in February the time New Year goals typically start to drop off. While creating audacious goals is easy, achieving them can take much longer. In this episode, we talk about a few different factors to consider when creating a new goal and how you can make them more achievable. Specifically, we chat about: Why it's important to set specific goals The mental impact of achieving or failing a goal What a well-structured goal actually looks like A few tips for setting clear and achievable financial goals 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

Today we're back with another Money Moments episode, where we chat to real Kiwis about money. Today on the podcast, we are joined by Jamie Jermain, Co-Founder & CEO at SquareOne, NZ’s first account and card built for the next generation. Jamie has worked in the payment space for over 20 years, including at the likes of Visa, Mastercard, Lloyds Bank and The Warehouse Group. Originally from London, he moved to New Zealand in 2010 and now lives in Auckland with his wife and 3 kids, who were the inspiration to build and launch SquareOne. In this episode, Jamie shares about: Why money was a taboo topic for him growing up Using credit cards to fund a mortgage How working in finance has shaped his approach to money (or didn't!) How he tackled moving countries, financially The challenges, triumphs and learnings of founding and growing a company His experience funding a start-up - from bootstrapping to raising capital initially, to raising additional funds Key advice given in the early stages of SquareOne - hiring, governance, ESOP allocations and more How he has needed to grow as a leader by starting a company 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

In today's podcast, we're chatting about when the "right time" is to sell your investments if they're in the red (hint: there is no "right time"). Do you hold on and hope that it recovers its value, or do you cut your losses now and recoup what's left? We dig into this and more. Specifically, we discuss: Why does your investment portfolio balance move in the first place? Biases when investing; anchoring & the status quo bias Can you expect linear investment returns? Questions to ask yourself when weighing up the decision to sell or not - plus a worked example with Christine's shares 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

Aaaand we're back with another Money Moments episode featuring Caitlyn Parker. Caitlyn is a Customer Success Manager, a Wellingtonian (at heart) and most importantly, a great friend. With over a decade of experience in the financial services and start-up space, Caitlyn has helped thousands of customers through their investing and savings journey. In this episode, Caitlyn shares: Her relationship with money and how that has evolved throughout her life How love languages can affect your spending behaviours e.g, spending your time vs spending money on gifts Why her other love language is discussing money with her friends and family What made her leave high school early and how she wound up in customer support How 'adulting' led to Caitlyn's consumer debt and how she paid it off using balance transfers What her first home-buying journey was like and the emotions of owning and managing a home 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

In today's podcast episode, we’ll be chatting about where you can put your spare cash. From the Official Cash Rate (OCR) rising and halting to the changes in the rate of inflation, a lot has happened this year in the world of money. So we thought that we'd check in on how a few of our favourite asset classes are doing. Specifically, we chatted about: What the current landscape is across savings products and property and share markets The pros and cons of each asset class and what this can mean for you during this time A reminder of how each asset class can fit in with your lifestyle and goals Check out the resources mentioned during the episode: The latest interest rates mentioned: Interest.co.nz S&P 500, NZX 50 and Global 100 returns: S&P Dow Jones Indices 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

In today's podcast episode, we’ll be chatting about another *potentially* spicy topic - politics! Well, not politics as in strong opinions. Instead, we'll be focusing more on the policies of the newly formed government. Since Christopher Luxon was newly sworn in, there has been a lot of media coverage surrounding the recently released 100-day action plan. So we want to discuss a few highlights from the action plan of the policies that can impact us financially. Specifically, we chat about: What is a 100-day action plan The policies that can impact your income/job security such as the fair pay agreement legislation Who in particular we can expect to be affected by the action plan and the new government policies How the new government is tackling the cost of living Our humble take on the pros and cons of each proposed policy Check out the resources mentioned during the episode: Government Confirms Its 100-Day Action Plan: RNZ The Coalition’s 100-day Plan and What it Means for the Health of New Zealanders: The Spinoff 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

In today's podcast episode, we’ll be chatting about a very spicy topic, which is why your home is for living in and not for growing wealth. This statement is one that came from a certain Instagram post from the Guardian sharing that ‘Australian housing wealth is meaningless, destructive and fundamentally changing our society:” Cat jumped on the IG stories, and had a great response to this from her followers, so here we are. Ready to discuss. Specifically, we chat about: The data about the Australian housing market and how it's changed over three generations What the possible implications are if you were to solely build your wealth through property Why property wealth is heavily skewed towards families who own properties already The arguments as to why our society should start considering other investments outside of property 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

It's that time of the year – wedding season is in full swing! Whether you're riding the high of a recent engagement, knee-deep in your wedding planning, or know someone about to get married, we're here with some golden tips to elevate your wedding experience. Specifically, we chat about: A sneak peek into Cat's wedding planning journey – what she thought vs. what went down. Spoiler: a wedding planner was the MVP. How to weigh up the cost of a wedding against other big-ticket items like a house, a dream vacay. The average wedding costs in NZ and Aus – spoiler: it's not pocket change. We're talking venues, photographer paparazzi, celebrant VIPs, and more. Tips for reducing the cost of a wedding by minimizing vendors getting married on peak or off-peak season 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

In today's podcast, we have a snippet of an unaired episode that was too good not to share. In this bonus episode, Cat shares how her husband, Luke almost lost $100,000 in his Australian Super. And no, we're not talking about market movements or poor investment choices. This was all because of a transfer error with the fund provider, it went MIA. We also chat about: The year-long process and the hoops Cat had to jump through to solve the issue Why Cat had to resort to using LinkedIn to speed the process up The steps taken by the fund provider to compensate for the lost gains Why this s is a great reminder of why you should regularly check in on your investments 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