It’s our final official episode of the year, so we’ve brought Katie and Shelley from enable.me back in to help us take stock of where we’re at and where we’re heading.

Twelve months ago everything felt harder.

Interest rates were climbing, supermarket trips were painful, and job security felt shaky for a lot of Kiwis. Now there’s cautious optimism in the air, with OCR cuts starting to bring a bit of relief to the back pocket.

This episode digs into what that actually means for real people. We talk about building resilience if your industry feels wobbly, why tiny habits still matter more than bold moves, and how to get intentional before 2026 rolls around. And yes, we get into Christmas. The budgets, the blowouts, the Grinch energy, and the smart ways to avoid a January credit-card hangover.

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