NZ Everyday Investor

Today, I’m talking with fellow financial adviser and CEO of Guardian Smith Mortgages, and co-host of the Keep The Change podcast - Mikey Smith. We’re talking about money, how property wealth is actually created, and how central banks of the world are on a mission further digitise the money we use. Read more______________________Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)Revolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Lettuce hands need not apply. There's no need to quibble about the exact length of a property cycle. What's relevant, is that the property cycle is slower than other asset classes. This affords the everyday investor an opportunity to jump on board at more optimal times than others. Should you factor this into your decisions when buying or selling property?Read more.Today I’m talking with Kieran Trass who is the author, and perfecter, of what could arguably be called the property owners bible. His book, 'Grow Richer with the Property Cycle,' concentrates his expertise into a guide that every first home buyer, investor, or upgrader should reference regularly. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.______________________Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)Get SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)Revolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Property development can take many forms, such as subdivisions, renovations, and speculative building. While I have much to learn in this space, I invite you to join me on this journey and starting by checking out this conversation John Kenel. Read more.______________________Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)Revolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

A cynical take on the financial services industry is understandable. There's nothing like an obvious financial benefit in the form of a commission or fee based on volume to put into question their motivation. Read moreBook in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.______________________Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)Get SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)Revolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Paradoxically, the pursuit of pleasure or chasing comfort can itself can provide a type of meaning, though deep down, we know we're not meant for perpetual ease. Investing, even when not strictly necessary, can be about creating a meaningful struggle, and finding purpose by placing your resource at risk. On the other hand, too much action without a chance of ever ‘arriving’ is equally dangerous. Read more.______________________Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)Revolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Today I’m speaking with the one and only Ralph Stewart. Ralph is the Founder and Managing Director of Lifetime Retirement Income, a business with over $1b in funds under management. He’s a former CEO of AXA Insurance and the Accident Compensation Corporation (ACC). Ralph’s a smart cookie, and he’s on a mission trying to free the equity-rich cash poor prisoners out there.Read more.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.______________________Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)Get SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)Revolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

I know that I can’t predict the future, but I can see something coming to how our money works. A lot of people can. The signs are getting pretty obvious - there are significant changes afoot which may affect how, and if, you can access the future wealth you're building up today This idea may be confronting, but at some stage, a financial authority may want more of a say in how you spend your money. If that idea bothers you, then I’d invite you to pay attention to today’s episode. Read moreCheck out @cjkonstantinos on X and on YouTube for more.Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)______________________Online courses:The Home Buyers Blueprint: Get a better home; Get a better mortgage.The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!New Wealth Foundations: Personal finance from a wealth-builder's perspective.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!Check out the most watched/downloaded episodes hereFollow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)Revolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

The recent drop in the official cash rate (OCR) by 0.25% has sparked a flurry of speculation about the future of the property market. Those hanging on for dear life are desperate for good news and recency bias is at work here - many believe lower interest rates signal a return to the boom times. However high on hopium property hodlers are, reality is a bit more nuanced. Read moreCheck out the Nolan Matthias YouTube channel______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Take the free, 5-part online course Crypto 101: Crypto with Confidence.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

It’s not about the tools; it’s about the person using them. You’re the tool. What’s the point of obsessing over the best investments if you can’t handle it when things go wrong? Read more.Reach out to Hayden Brown.Sign up to the newsletter!______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialYouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

As usual, there are only two types of people in the world.1 – Those who blindly trust governments and most centralised systems: They find it easy to overlook the flaws in currency manipulated by interest rates and new supply injections from a centralised authorities, like government and central banks.2 – The ‘weirdos’ who ‘think differently’: They understand the importance of money created by the people, for the people. Read more.SIGN UP TO THE BRAND NEW, FREE ONLINE COURSE / Crypto 101: Crypto With Confidence______________________Take The Home Buyers Blueprint: Get a better home; Get a better mortgage.Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective.Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses.Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.Get SocialSign up to the newsletter!YouTube InstagramTikTok: @theeverydayinvestorwww.nzeverydayinvestor.comInstagramYouTubeDarcy UngaroLinkedInTwitter: @UngaroDarcywww.ungaro.co.nz________________________Affiliate Links!I may receive a financial benefit if you click on these links.HatchSharesiesEasy CryptoSharesight: (Get 5 months free)CMC MarketsRevolut: Sign up, and get a $15 credit.Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!