Money Made Simple

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Money Made Simple

Simplicity

72 episodes

1 week ago

The silly season is here! But, of course, so are the ongoing bills and cost of living crunch. In this festive episode, Jennie and Liv tackle one of the toughest challenges of the year: how to enjoy Christmas without blowing the budget. They share some practical, creative ideas for saving money, setting expectations with family, and finding fun in over summer even when times are tough. This episode covers: • How to set realistic expectations with friends and whānau around Christmas spending ...

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Self-Improvement

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The silly season is here! But, of course, so are the ongoing bills and cost of living crunch. In this festive episode, Jennie and Liv tackle one of the toughest challenges of the year: how to enjoy Christmas without blowing the budget. They share some practical, creative ideas for saving money, setting expectations with family, and finding fun in over summer even when times are tough. This episode covers: • How to set realistic expectations with friends and whānau around Christmas spending ...

Show more...

Self-Improvement

Episodes (20/72)

Money Made Simple

MMS #60 | Christmas on a budget - all the joy, without the stress of overspending!

The silly season is here! But, of course, so are the ongoing bills and cost of living crunch. In this festive episode, Jennie and Liv tackle one of the toughest challenges of the year: how to enjoy Christmas without blowing the budget. They share some practical, creative ideas for saving money, setting expectations with family, and finding fun in over summer even when times are tough. This episode covers: • How to set realistic expectations with friends and whānau around Christmas spending ...

1 week ago

19 minutes

Money Made Simple

MMS #59 | Living boujee, but on a budget - yes, it's possible!

In this episode of Money Made Simple, Liv chats with the sassy but very savvy Sabby Jey, the creator of the viral series Boujee on a Budget. They discuss how she turned her upbringing, values, and financial smarts into a platform that helps thousands ok Kiwis live luxuriously without overspending. From second-hand fashion, to smart saving hacks and mindful money habits, Sabby shares her personal journey, business insights, and practical ways to make your money go further (and still enjoy the ...

3 weeks ago

17 minutes

Money Made Simple

Economy Made Simple #9 | Why NZ keeps falling behind on infrastructure

In this special guest episode of the Economy Made Simple, Shamubeel Eaqub sits down with Geoff Cooper, CEO of the New Zealand Infrastructure Commission, to unpack the country’s infrastructure crisis: why it exists, what keeps driving costs up, and how we can start fixing it. They explore why and how NZ keeps falling behind when it comes to maintaining essential infrastructure, the political and geographic challenges at play, and the practical steps we could take to build smarter for the futur...

3 weeks ago

28 minutes

Money Made Simple

MMS #58 | Hedged vs Unhedged: What's the difference?!

In this much-requested episode of Money Made Simple, Jennie and Liv (finally!) demystify hedging, the financial safety net that can help protect your KiwiSaver and investment balances from foreign currency fluctuations. They explain what it means in a general sense (outside and inside of investments), why fund managers use it, and when being “hedged” or “unhedged” can make a difference to your returns. Whether you’re investing for the long term or just want to sound smart next time someone me...

1 month ago

16 minutes

Money Made Simple

MMS #57 | From $6k to success: The story behind startup Bear & Moo

In this inspiring episode of Money Made Simple, Jennie sits down with Hannah Porter - founder of baby and kids' brand Bear & Moo - to talk about building a successful startup from scratch, while juggling family life and financial realities. From starting with just $6,000 to growing into a thriving online and retail store, Hannah shares what it’s really like to take a calculated risk and create something that works for your lifestyle, and helps build financial success. This episode covers:...

1 month ago

19 minutes

Money Made Simple

Economy Made Simple #8 | Spring economic update - will this recession ever end?

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...

1 month ago

15 minutes

Money Made Simple

MMS #56 | Index funds 101: Why they're simpler, smarter, better

In this episode of Money Made Simple, Jennie and Liv unpack one of the most simple and powerful (yet often misunderstood) tools for building wealth: index funds. They explain what index funds are, why they’re so popular with investors worldwide, and how they actually stack up against actively managed funds. Using strawberries, gift hampers, and a couple of screw-ups along the way (we never said we were perfect!), they strip back the jargon to make index investing easy to understand - and get ...

2 months ago

19 minutes

Money Made Simple

MMS #55 | Five big money myths holding you back financially

In this episode of Money Made Simple, Jennie and Liv take on the top five money myths that keep holding Kiwis back from building financial confidence - and wealth! From saving when money is tight to whether credit cards are always “bad,” they tackle some of the most common misconceptions with real-life examples and practical advice you can actually use. This episode covers: Why “I don’t earn enough to save” is almost never trueThe truth about credit cards: when they can be helpful, and ...

2 months ago

14 minutes

Money Made Simple

Economy Made Simple #7 | Capital, leadership and NZ's future

In this episode of Economy Made Simple, Shamubeel Eaqub sits down with Sam Stubbs, founder of Simplicity, to explore the intersection of personal journeys, global finance, and the future of New Zealand’s economy. From growing up in the depths of West Auckland to investment banking at Goldman Sachs, Sam shares lessons from his career and why he ultimately came back to try and build something for everyday New Zealanders. Together, Shamubeel and Sam unpack what global capital flows mean for a sm...

2 months ago

30 minutes

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:...

3 months 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...

3 months 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...

3 months 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...

4 months 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...

4 months 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 ...

4 months 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...

5 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 ...

5 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...

5 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...

6 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, ...

6 months ago

10 minutes