Every Kiwi wants freedom - time with family, no money stress, and a future that actually feels earned. But between rising interest rates, school fees, and inflation, most people are running harder just to stand still. In this hard-hitting episode, Craig Stanaway sits down with Simon McDonald, Head of Advice at MortgageHQ, to expose how ordinary New Zealanders can retire early, raise financially smart kids, and turn their paycheques into real power.