Are you nearing the stage of life where expanding your family is a focus or goal? 

In this episode, we cover: 

• Costs to consider when having kids, and whether these should inform your decision or not 
• Why you often have much longer to save for the expenses than you think 
• Whether the reality of the finances with having kids versus the idea of it are the same
• How Cat's finances have faired before and after having a child - did she stick to her budget or not? 
• Whether having kids can actually change your financial habits for the better, not worse 

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Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz