Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the sixth and final summer series podcast episode.

The summer series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets.

This week we're chatting about investing in ourselves! Yep, the thing you want to do but never want to spend the money on. This is a hugely requested topic and one of our personal faves. 

In this episode, we unpick why it's hard to invest in ourselves, how cognitive dissonance plays into the decision making of investing in ourselves and pose a $100 challenge for you to get started investing in yourselves. 

Now, our final summer series giveaway is a goodie, drum roll please...1x $100 Burger Burger voucher and 1x $100 Bunnings voucher. A perfect recipe for doing the things we love - DIY'ing and eating.

To find out more and enter to win, head to our Instagram @itsnosecretnz.

Ts and Cs apply. The giveaway runs from Wednesday 23rd February 2022 to Tuesday1st March 2022.

If you enjoyed today's show, we'd also LOVE for you to rate & review on Apple Podcasts and share your favourite episode with a friend.

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the fifth of six bonus episodes as part of our summer podcast series.

The summer series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets.

This week, we're chatting about all things retirement. When we need to start thinking about it, how much we believe we’ll need and more. 

We work through a real life example of how much you’ll need for retirement so this is an episode that is relevant to all and one not to miss. 

As part of the summer series, we’ll be running our final giveaway next week so be sure to keep an eye on our Instagram page, @itsnosecretnz. 

If you enjoyed today's show, we'd also LOVE for you to rate & review on Apple Podcasts and share your favourite episode with a friend.

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the fourth of six bonus episodes as part of our summer podcast series.

The summer series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets.

This week, we're chatting about the 101 of investing in the share markets - what the share markets are and how they work plus how investing in the share markets compare to investing in property. 

Now, as part of our summer series giveaways, Kernel has been kind enough to offer you, our lovely listeners, the chance to win a $150 Kernel account top-up. 

To find out more and enter to win, head to our Instagram @itsnosecretnz.

Ts and Cs apply. The giveaway runs from Wednesday 9th February 2022 to Tuesday 15th February 2022.

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the third of six bonus episodes as part of our summer podcast series.

The summer series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets.

This week, we're chatting about the 101 of investing in cryptocurrency - what the heck it is, whether it’s here to stay, how to invest in it and the role it plays in diversifying your investment portfolio. 

In this episode, we’re joined by Darcy Ungaro, authorised financial adviser and host of the NZ Everyday Investor. Darcy shares his cryptocurrency knowledge as well as his personal experience with investing in crypto. 

Further, Darcy has been generous enough to offer his time as part of our Summer Series giveaway. Specifically, this week we’re giving away a 2 hour 1:1 financial planning session with Darcy himself. These sessions are valued at $1,472 NZD, so we’re very excited to be able to give you guys this opportunity.

To find out more and enter, head to @itsnosecretnz.

Ts and Cs apply. The giveaway runs from Wednesday 2nd Feb 2022 to Tuesday 8th February 2022. 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the second of six bonus episodes, as part of our summer podcast series.

The summer series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets.

This week, we're chatting about Money and Career - how we intertwine our job titles and salary with our self worth, why our happiness tends to diminish the more money you make, tips for changing industries and navigating taking a step back financially and more.

As you'll hear in the episode, we're starting our Summer Series giveaway this week, with the first being a 1:1 career coaching session with Rosey Nathan, host of the Rosey on Recruitment Podcast and Senior Sourcing Specialist at Customise Talent Group.  To enter, head to our Instagram, @itsnosecretnz.

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the first of six bonus episodes, as part of our summer podcast series.

The series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets. We’ll cover a range of topics from how money is intertwined with our career, to what the heck cryptocurrency is and how to start investing in the share markets.

To kick off the series, we're diving into Money and Control - a topic we have a lot to say about. We share what a scarcity vs abundance mindset is, how this applies to money and give you tools to help you uncover whether you have a healthy relationship with money.

As you'll hear in the episode, we'll also be giving away four prizes during our summer series to help you kickstart your 2022 financial journey. Be sure to keep an eye on our Instagram for more details - @itsnosecretnz. 

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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

Following on from part-one of our two part 2021 Financial Review series, today's episode takes a look back at 2021; how we went financially, whether our personal net worth values have changed and by how much, and why. 

Specifically, we chat about: 

• What to do with new inflows of cash as we meet new financial goals and fee up cash
• Scenario planning for your finances in 2022 – i.e. growing your family, getting a pay rise, working a yearly holiday into your budget etc.
• Whether we include physical assets in your net worth and therefore financial review/check in
• Plus,  a very exciting announcement from Cat!

Plus some extra fun stories at the end which are bound to make you laugh.
 
Check out our website and show notes at www.itsnosecret.co.nz/32

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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

Today on the podcast we take a look back at 2021; how we went financially, whether our personal net worth values have changed and by how much, and why. A financial check-in heading into 2022, if you will. 

As the wild and wonderful year that has been comes to an end, we round out our season with a two-episode reflection series which you can take away and apply to your own financial situation. 

Whilst this is the last live weekly podcast episode for 2021, we will be running a summer series with a few shorter retrospective episodes over the first few weeks of January 2022. Stay tuned for those! 

But before we move onto that, here's what we talked about in today's podcast episode: 

• Our 2021 financial goals! How we went and are feeling about them rounding out the year 
• Any challenges we came up against moving towards them - both positive and not-so positive 
• How various events throughout 2021 (hello lockdown and low-interest rates) have impacted our ability to meet our goals 
• Any and all adjustments we have made throughout the year to move us closer to #financialfreedom

...plus lots more in part two of this episode. Stay tuned for more!

Check out our website and show notes at www.itsnosecret.co.nz/32

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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

Today on the podcast we're back for part two of our insurance series. If you haven't listened to part one, stop right now and go back to our previous episode. It's one not to miss. This podcast will also make a lot more sense after listening to the first one too! 

Insurance is one of those things that deep down, you know it's important to have but perhaps don't realise the value of it until it's too late. These days, it feels like there is an insurance policy for everything - income protection, life, health, contents, car, house, travel...the list goes on.

So how do we decide which ones are most important to pay for? Should we have them all? Which ones do we actually need? Is it a waste of time and money? Let's dig in. 

In this episode we chat about: 

• Where to start with insurance, and how to figure out which insurances you need
• Why trauma cover is the most expensive type of insurance 
• The 101 of trauma cover, income protection and health insurance 
• Questions to ask yourself to figure out whether you need life insurance
• Who life insurance is for, and why you would take a policy out
• Figuring out the sum to insure for with life insurance 
• Total impermanent disability (TPD) and how this works with income protection insurance
• How to calculate how much of a lump sum to insure for with TPD insurance
• How income protection works when mental illness comes in
• The benefits of insurance advisers, and how fees come into play
• Whether it's necessary to get a will pre-marriage

Join the conversation @itsnosecretnz
Check out our website and show notes at www.itsnosecret.co.nz/31

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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

Insurance is one of those things that deep down, you know it's important to have but perhaps don't realise the value of it until it's too late. These days, it feels like there is an insurance policy for everything - income protection, life, health, contents, car, house, travel...the list goes on.

So how do we decide which ones are most important to pay for? Should we have them all? Which ones do we actually need? Is it a waste of time and money? Let's dig in. 

In this episode, we chat about: 

• What is income protection insurance and why do we need it? 
• The data that suggests Kiwis cover their car, content and house above and beyond life insurance
• Why relying on ACC has made us (Kiwis) complacent when it comes to taking out income protection or health insurance 
• Why your life stage dictates which insurance(s) you’ll need 
• Why Cat is so passionate about income protection and trauma insurance
• And similarly, why Christine is so passionate about health insurance
• How income protection works when mental illness comes in
• Why loyalty tax doesn’t apply to swapping insurance companies
• Which insurances both Cat and Christine have and why 

This is just part one of a two-part series (who knew we loved insurance so much!), so be sure to listen to the second episode to round out our insurance chat.

Check out our website and show notes at www.itsnosecret.co.nz/30

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.

SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify

Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz

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