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Money Made Simple

Simplicity

67 episodes

3 days ago

Spring might be in the air, but the economy hasn’t quite joined the party yet. In this quarterly economic update, Shamubeel Eaqub, Simplicity’s Chief Economist, breaks down what’s really going on in New Zealand and across the globe. He explains why the economy still feels sluggish, what's happening re: the cost of living crisis, and what to watch for next. This episode covers: Why the New Zealand economy is experiencing one of its longest and deepest slowdowns in decadesHow global uncertainty...

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Self-Improvement

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Spring might be in the air, but the economy hasn’t quite joined the party yet. In this quarterly economic update, Shamubeel Eaqub, Simplicity’s Chief Economist, breaks down what’s really going on in New Zealand and across the globe. He explains why the economy still feels sluggish, what's happening re: the cost of living crisis, and what to watch for next. This episode covers: Why the New Zealand economy is experiencing one of its longest and deepest slowdowns in decadesHow global uncertainty...

Show more...

Self-Improvement

Episodes (20/67)

Money Made Simple

MMS #54 | The great Kiwi housing debate: Renting vs. Owning (what's smarter?)

In this episode of Money Made Simple, Jennie and Liv tackle the common Kiwi dilemma: Should you rent forever, or is it better to save up and buy your own home? They unpack the real-world costs on both sides (not just mortgage vs rent), discuss the lifestyle trade-offs, and how today’s market settings can tilt the decision either way. You'll get a run down of general ownership expenses, rent realities, and practical ways to stress-test what’s right for you and your whānau. This episode covers:...

6 days ago

19 minutes

Money Made Simple

MMS #53 | Smarter spending tips for the (long-term) win!

In Part 2 of our “Save and Spend” series, Liv and Jennie are back to talk about the fun side of money: spend spend spend! But even spending can go sideways if you’re not intentional about it (cue: Jennie's fave Want Monster). This episode explores how to spend smarter, not harder - and how investing in the right things can save you money, stress and regret down the track! This episode covers: Why “buying cheap” often costs more in the long runHow to balance quality with affordability on every...

2 weeks ago

14 minutes

Money Made Simple

Economy Made Simple #6 | Ashley Bloomfield on leadership,health and the COVID-19 response

In this very special episode of the Economy Made Simple, Shamubeel Eaqub sits down with Sir Ashley Bloomfield, New Zealand’s former Director-General of Health, to talk about what we’ve learned from the COVID-19 pandemic - and how those lessons could help shape our collective future. This thoughtful conversation touches on the complex intersection between public health, the economy, leadership and trust. It’s an honest but also hopeful discussion that sheds light on what it takes to lead throu...

1 month ago

47 minutes

Money Made Simple

MMS #52 | Saving smarter: how to spend less without the sacrifice

*Please note that nothing in this podcast is personalised financial advice or recommendations. We recommend that people seek independent financial advice when it comes to making decisions around their mortgages, insurances and/or general financial situation.* As the cost of living crisis continues to squeeze Kiwi wallets, Jennie and Liv are back with practical, real-world ideas to help you save money without sacrificing everything you love. From tackling big-ticket expenses like housing and i...

1 month ago

13 minutes

Money Made Simple

Economy Made Simple #5 | Economic update: Global turmoil, local impact

In this episode of Economy Made Simple, Shamubeel Eaqub breaks down what’s going on in the New Zealand economy - and what’s coming next. Are we still in a recession? Why has it affected people so differently? And what signs should we look for to know that a recovery is finally taking shape? From global wars and rising oil prices to interest rates and job ads, Shamubeel gives a clear-eyed update on the forces shaping our economy right now, and what might lie ahead. This episode covers: Why thi...

1 month ago

9 minutes

Money Made Simple

MMS #51 | KiwiSaver changes explained: What’s in, what’s out & what does this mean for you?

In this episode of Money Made Simple, Liv and Jennie unpack the recent changes to KiwiSaver announced in Budget 2025 - what’s changing, why it matters, and how it could impact you both now, and in the long term. From personal contribution increases to government contribution cutbacks, it’s a mixed bag. Some changes are great, particularly for younger savers and long-term investors, but others (like the halving of the government contribution) may feel like a step backwards. This episode ...

1 month ago

16 minutes

Money Made Simple

MMS #50 | From Zero to Tax Hero: The inspiring journey behind Tax Traders and Taxi

In this episode of Money Made Simple, Liv sits down with Josh Taylor — or JT — co-founder of Tax Traders and Taxi, two innovative businesses making waves in the world of tax. While tax might not sound like a glamorous industry, Josh’s entrepreneurial journey is packed with insight, hard-won lessons, and inspiring moments of resilience. From getting made redundant to selling the family home to start a business, JT shares what it really takes to build a company from the ground up, and why the b...

2 months ago

17 minutes

Money Made Simple

Economy Made Simple #4 | NZ's housing crisis - and how we might fix it

In this episode of Economy Made Simple, Shamubeel Eaqub breaks down one of the most pressing challenges facing Aotearoa today - our ongoing housing crisis. Why are homes so unaffordable? How did we end up here? And what do we need to do to make things better? From historical policy shifts to the present day shortage, this episode offers a comprehensive look at the system’s failure... and how we might fix it. This episode covers: Why house prices have risen from 3x to 8x the average household ...

2 months ago

17 minutes

Money Made Simple

MMS #49 | MMS #49 | Getting your KiwiSaver SORTED with Tom Hartmann

In this episode of Money Made Simple, Jennie is joined by Tom Hartmann, personal finance lead at Sorted and part of Te Ara Ahunga Ora Retirement Commission. Together, they break down KiwiSaver in simple, practical terms to help you feel - and help you actually get - sorted when it comes to planning for your nest egg. Whether you're just starting out or have been contributing for years, this episode is packed with insight and easy-to-understand tips to get your KiwiSaver settings right. This e...

2 months ago

18 minutes

Money Made Simple

MMS #48 | Investor stories: Lessons from a second-gen Kiwi working toward financial freedom

In this episode of Money Made Simple, Liv sits down with Simplicity member Rugved Deshpande to share his real-life finance journey. From childhood savings jars and pocket money to index funds, KiwiSaver choices, and building wealth his own way. As a second-generation Indian Kiwi and management accountant, Rugved reflects on how his upbringing shaped his money mindset, and how that mindset has evolved over time to where he is at today. This episode covers: Rugved’s early memories of money, sha...

3 months ago

16 minutes

Money Made Simple

Economy Made Simple #3 | BUDGET 2025: Govt finances, explained

In this episode of Economy Made Simple, Chief Economist Shamubeel Eaqub unpacks how government finances actually work – and why they matter to us all. From tax and spending to investment and debt, he breaks down the jargon we hear so often in political debates and media headlines, and explains how public finance is really just a larger version of household budgeting - with long-term consequences for our country's future. This episode covers: Where New Zealand’s government revenue comes from, ...

3 months ago

10 minutes

Money Made Simple

MMS #47 | From PIEs to PIRs: All your questions about tax and KiwiSaver answered

In this episode of Money Made Simple, Jennie and Liv dive into the not-so-sexy but super important topic of tax – specifically how it works inside your KiwiSaver. Tax might not be everyone’s idea of a good time (trust us, we get it), but understanding the basics can make a big difference to how confident you feel about your KiwiSaver. Whether you've noticed your balance dropping in March, or you're just trying to figure out what a PIR is, this episode is for you. This episode covers: Where, w...

3 months ago

20 minutes

Money Made Simple

Economy Made Simple #2 | Social cohesion - the glue of a functioning society. Is it lost in NZ?!

In this thought-provoking episode of Economy Made Simple, Simplicity Chief Economist Shamubeel Eaqub is joined by Liv to help unpack the very important but complex topic of social cohesion. They discuss what it means, why it’s under pressure, and how it underpins everything from economic stability to effective policymaking in Aotearoa. Drawing on global trends and New Zealand-specific data, Shamubeel explores how growing inequality and distrust are slowly eroding the social glue that helps so...

3 months ago

23 minutes

Money Made Simple

MMS #46 | Paying too much? A guide to smarter spending with Consumer NZ

In this episode of Money Made Simple, Jennie chats with Consumer NZ CEO Jon Duffy about the real pressures New Zealanders are facing in today’s challenging economy – and what we can ALL do about it. From overpriced groceries to big power bills, Jon breaks down the biggest consumer issues and gives practical tips for navigating your way to smarter spending habits. This episode covers: Why supermarket prices are so high and what’s stopping real competitionHow power pricing works (AKA why ...

4 months ago

21 minutes

Money Made Simple

MMS #45 | Navigating a choppy job market: how to keep (or find) your dream job

In this episode of Money Made Simple, Jennie and Liv dive into effective strategies for building job resilience during an economic downturn (like we're seeing right now). If you're worried about your job security or looking to secure a new job, this episode will arm you with the insights and strategies you may be seeking. This episode covers: Current trends in unemployment, business closures, job applications and how these affect everyday KiwisHow to make yourself indispensable at work when r...

4 months ago

19 minutes

Money Made Simple

Economy Made Simple #1 | APRIL 2025 State of the Nation

Welcome to the very first episode of the Economy Made Simple! Our host Shamubeel Eaqub delves into the current state of financial markets, the broader economy, and the impact of global volatility on the local environment. This episode offers a "State of the Nation" perspective, perfect for those who would like to gain a deeper understanding of the dynamics of the economy. This episode covers: The recent downturns in global financial markets, shedding light on the causes of current economic fe...

5 months ago

16 minutes

Money Made Simple

MMS #44 | Don't outlive your money: Rethinking retirement realities with Jane Wrightson

In this second episode of our two-part series with Jane Wrightson, New Zealand's Retirement Commissioner, we dive deeper into the future of retirement and how today’s choices can and will impact tomorrow's freedom. This episode, tackles some thought-provoking issues and projections, and could be a game-changer for those trying to secure a more comfortable future. This week's episode covers: How retirement is changing both in New Zealand and globally, reflecting longer lifespans and economic s...

5 months ago

17 minutes

Money Made Simple

MMS #43 | Plan now, chill later: Why retirement planning isn't just for the older generations!

In this episode of Money Made Simple, Jennie sits down with New Zealand’s Retirement Commissioner, Jane Wrightson, to discuss what retirement really looks like in New Zealand. We often think of retirement as something far off on the horizon but the reality is, the choices we make today shape our financial future. This episode covers: The true state of retirement in NZ—why the “rich boomer” stereotype doesn’t match the reality for many retireesNZ Super (the pension): What it’s designed for an...

5 months ago

17 minutes

Money Made Simple

MMS #42 | How to invest (better) like a woman. Happy IWD!

In celebration of International Women's Day on the 8th March, this episode of Money Made simple sees Jennie and Liv discussing women and money. Something we should know a bit about! We discuss the unique challenges as well as opportunities women face in terms of earning, saving, spending and investing money - both here in NZ and globally. This episode covers: An overview of the gender pay gap in NZ (and globally), including recent trends and how the pay gap impacts women differentlyInsights i...

5 months ago

19 minutes

Money Made Simple

MMS #41 | Insurance 101: Mastering the basics PART TWO

*Disclaimer: This podcast material is for information purposes only. Simplicity does not provide financial advice or offer insurance products. Simplicity is not affiliated with Partners Life or any other insurer, and we do not provide recommendations or referrals.* In this second episode of our insurance 101 series, Liv welcomes back Mark from Partner's Life to get into the nitty gritty of personal insurances. Building on our "why" and "how" from Part One, this episode focuses on understandin...

6 months ago

22 minutes