Welcome to Day 6 of the 7 Day Money Reset.

Today we are talking about insurance.

Not because it is exciting. But because it is responsible.

You can increase your income. You can build savings. You can grow assets.

But if you do not protect what you are building, one unexpected event can wipe out years of progress.

In this episode, I break down the main types of insurance people should think about and what they are actually for.

We cover:

• Health insurance and when it makes sense

• Life insurance and who truly needs it

• Income protection and why your income is your biggest asset

• Car Insurance

• Home and contents insurance to protect what you have worked hard for

We talk about this in simple terms.

No jargon. No scare tactics. No pressure.

Just clarity.

Insurance is not about living in fear. It is about creating stability.

It is about making sure one hard season does not turn into long term financial stress.

Your action for today:

Look at what cover you currently have. Understand it. Ask questions. Close the gaps if needed.

Because wealth is not just about growth.

It is about protection.

If you are doing the challenge, share this episode and write “Protected and prepared.”

We are building strong foundations.

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Welcome to Day 4 of the 7 Day Money Reset.

Today we are talking about increasing your income.

Not by grinding yourself into the ground. Not by starting five side hustles. Not by sacrificing your health.

But strategically.

In this short episode, I break down three powerful ways to increase your income without burning out:

1. Earn more from what you already do How to negotiate, position yourself better, and communicate your value so you are not underpaid or under recognised.
2. Add one aligned income stream Not ten. One. A scalable or skill based opportunity that builds on what you already know.
3. Increase your capacity to receive Because sometimes the block is not skill. It is identity. Guilt. Fear. Visibility. Outgrowing your environment.

We talk about survivor’s guilt. We talk about out earning your circle. We talk about becoming the version of you who can hold more.

Income growth is not just about strategy. It is about who you believe you are allowed to be.

Your action for today:

Choose one income expansion move this week. One conversation. One pitch. One application. One offer.

That is how momentum starts.

If you are doing the challenge, share this episode and write “I am expanding.”

We are not budgeting our way to freedom.

We are building capacity.

Let’s go.

Disclaimer: I am not a qualified financial advisor. The information contained on this website and in my training is for general information purposes only. Any reliance you place on such information is strictly at your own risk. It is not intended to constitute legal or financial advice and does not take your individual circumstances and financial situation into account. As always, please seek assistance from a trusted financial adviser, legal or other professional advisor before making any financial decisions or investments.

Further, nothing on this site or in my training is, or should be taken as, an offer, invitation or recommendation to buy or sell any investment or product represented without first obtaining professional advice regarding its appropriateness to your personal circumstances.

Welcome to How We Money, a six-part series by Māori Millionaire and ANZ designed to help

everyday people feel more confident with money.

In Episode 1, Te Kahukura and guest Iyia Liu unpack the foundation of all financial decisions:

mindset.

We explore where money beliefs come from, how scarcity can show up, why financial self-sabotage happens, and how to shift towards healthier, more supportive money habits. This episode acknowledges cultural context, whānau dynamics, and the emotional side of money, while keeping things practical and shame-free.

You’ll learn how to assess your own financial wellbeing, why building wealth matters, and how small mindset shifts can lead to better money decisions over time.

No jargon, no judgement, just real kōrero and simple next steps.

Use ANZ’s Free Financial Wellbeing Tool here - it takes two minutes and will provide some helpful insights for you.

Disclaimer: The information in this podcast is for general information only and isn’t financial advice. The views of the host or guests are their own and do not represent ANZ. ANZ and Māori Millionaire do not guarantee the accuracy or completeness of the content and are not liable for any loss arising from its use. Please seek personalised advice before making financial decisions.

Welcome to Day 3 of the 7 Day Money Reset.

Today we go deeper.

Because you do not rise above your money mindset. You earn in alignment with it.

If I said “You could make 1 million dollars this year” What comes up for you?

Excitement? Doubt? Judgement? A laugh?

That reaction is your money story speaking.

DOWNLOAD YOUR FREE MONEY DIARY TEMPLATE

In this episode we unpack:

• How your childhood shaped your beliefs about money

• The conversations you grew up hearing about money

• Why “I work so hard but have nothing to show for it” becomes a financial identity

• Money attachment styles: anxious, avoidant and secure

• How limiting beliefs quietly cap your income

• How to rewrite old money beliefs in a practical way

• Askfirmations and quality questioning

• How to consciously create a new money story

We walk through questions like:

What is the old belief? Where did it come from? Why does it feel true? Why is it not true for your future? Who proves this belief wrong?

And when the old belief pops up, we don’t spiral.

We acknowledge it. Release it. Breathe. Affirm the new belief.

If she can do it, so can I.

We also talk about your energetic relationship with money.

Do you resent it? Fear it? Cling to it? Avoid looking at it?

Or do you respect it? Trust it? Treat it well?

Because where attention goes, energy flows.

This episode is not about toxic positivity. It is about conscious rewiring.

Your action for today:

Write your old money story. Then write your new one. Decide who you are becoming.

Because income follows identity.

If you are doing the challenge, share this episode and write “New money story loading.”

We are not just changing numbers.

We are changing narratives.

Disclaimer: I am not a qualified financial advisor. The information contained on this website and in my training is for general information purposes only. Any reliance you place on such information is strictly at your own risk. It is not intended to constitute legal or financial advice and does not take your individual circumstances and financial situation into account. As always, please seek assistance from a trusted financial adviser, legal or other professional advisor before making any financial decisions or investments.

Further, nothing on this site or in my training is, or should be taken as, an offer, invitation or recommendation to buy or sell any investment or product represented without first obtaining professional advice regarding its appropriateness to your personal circumstances.

Welcome to Day 2 of the 7 Day Money Reset.

Today we stop guessing.

We calculate your net worth.

And before you panic Yes, even if you have debt. Especially if you have debt.

Your net worth is not a measure of your value as a person. It is a financial snapshot. That’s it.

In this episode we walk through:

• What net worth actually means in simple terms

• How to calculate your net worth step by step

• Why avoiding this number keeps you stuck

• Why wealthy people track this consistently

• How to track your net worth over time so you can see real progress

If you’ve been living in “vibes” instead of numbers, this is your reset moment.

Because you cannot grow what you refuse to measure.

This is not about judgement. This is about clarity.

Your action for today:

DOWNLOAD THE NETWORTH TRACKER

List your assets.

List your debts.

Subtract the two.

That number is your starting point.

And starting is powerful.

If you’re doing the challenge, share this episode and write “Day 2 complete. I know my number.”

We’re building financial confidence through facts, not fear.

Let’s keep going.

Welcome to Day 1 of the 7 Day Money Reset.

Today we’re not budgeting. We’re not cutting. We’re not judging.

We’re observing.

Most people say they want to be better with money but they don’t actually know where their money is going. And when they do look, shame creeps in.

This episode is about removing the shame and building awareness instead.

Because you cannot change what you refuse to look at.

In this episode we talk about:

• Why tracking your spending is not about restriction

• How avoidance keeps you stuck financially

• The difference between awareness and self punishment

• How to complete a 24 hour money diary in a way that feels safe

• Why financial clarity is power

If you grew up with financial stress, chaos, scarcity or secrecy, tracking can feel activating. That’s normal. We talk about that too.

This is about becoming the CEO of your money. And CEOs look at the numbers.

Your action for today:

DOWNLOAD THE FREE MONEY DIARY TEMPLATE

Track every dollar that leaves your account for the next 24 hours. No editing. No justifying. No spiralling.

Just awareness.

If you’re doing the challenge, screenshot this episode and share it to your story with “Day 1 done.”

Let’s reset.

Some days you wake up focused.

Disciplined.

Clear.

And some days… you don’t.

No motivation.

No drive.

Just tired. Flat. Over it.

In this episode, I’m talking about what to do on the days you don’t feel inspired to transform your life.

Because the truth is

motivation is unreliable.

And if you only take action when you feel like it, you’ll build a life that moves in emotional swings instead of steady progress.

I share:

• Why lack of motivation doesn’t mean you’re lazy

• The difference between burnout and avoidance

• How to keep promises to yourself when you feel flat

• Why discipline is an act of self respect, not punishment

• Practical ways to lower the bar without abandoning your goals

• The identity shift that makes consistency easier

This is not a hustle harder episode.

It’s a grounded kōrero about personal responsibility, nervous system regulation, and doing the next right thing even when you don’t feel like it.

Because you are not the cost of living.

You are not the economy.

You are not your mood.

You are the CEO of your habits.

If you’ve been waiting to “feel motivated” before taking action, this one is for you.

Listen now and reset your standard.

Your bank account is not just a reflection of your work ethic.

It is a reflection of your environment.

In this episode, I’m talking about aligned friendships and how the people around you can either accelerate your financial growth or quietly keep you stuck.

We’re unpacking:

• How your social circle influences your money habits

• The difference between supportive friends and insecure energy

• Why shared values matter more than shared income

• How to recognise when you’ve outgrown certain rooms

• The role of accountability in transforming your life

• How to build friendships that support long term wealth and personal development

This is not about cutting everyone off.

It is about awareness.

Because if you’re trying to change your life, get out of debt, build a pakihi, grow your income, or simply think bigger, you cannot stay in environments that reward playing small.

Your proximity matters.

Your conversations matter.

Your standards matter.

If you’ve ever felt tension as you grow, this kōrero is for you.

Listen now and reflect on who is influencing your financial mindset.

🎧 Māori Millionaire Podcast

I almost quit this podcast.

When I first launched Māori Millionaire, I wasn’t getting the traction, engagement or impact I thought I “should” be getting. The downloads felt slow. The growth felt average. And I started taking it personally.

I made the numbers mean something about me.

That I wasn’t interesting enough.

That I wasn’t impactful enough.

That maybe I just wasn’t good enough.

In this episode, I’m sharing what I learned from what I once labelled a “failing podcast” and how that mindset nearly sabotaged something that has now reached 100,000 downloads.

We talk about:

• Why you need to stop taking business results personally

• The dangerous link between self worth and performance

• How to study successful people instead of envying them

• A practical exercise to identify the habits of the 5 wealthiest people you know

• Why copying high performing habits is smarter than copying aesthetics

• How to detach your identity from outcomes

This episode is for you if you’re building something and quietly wondering if it’s working.

Sometimes it’s not a failure.

It’s just data.

And sometimes the breakthrough comes when you stop making it about you.

If you’re on a journey of entrepreneurship, financial growth, mindset work or personal development, this kōrero will shift how you see slow seasons forever.

Thank you for being part of 100,000 downloads of Māori Millionaire. This is just the beginning.

🎧 Listen now and share this with someone who needs to hear it.

We live in a world that profits off your impulsivity.

One click buy. Afterpay. Fast fashion. Uber Eats. Doom scrolling at 1am.

And then we wonder why we feel broke, tired and behind.

In this episode, I’m breaking down the real power of delayed gratification. Not from a grind harder angle. Not from a just be more disciplined angle.

But from a nervous system angle.

Because if you grew up in chaos, boredom can feel unsafe. If money used to disappear, spending can feel like survival. If you were taught nothing about emotional regulation, shopping can become your coping strategy.

Delayed gratification is not about restriction. It is about reclaiming control.

We talk about:

• Why impulsivity is profitable for corporations • How trauma and scarcity impact spending • The link between dopamine and money habits • Practical ways to build self trust with your finances • How automatic payments protect your future self • Why wealthy people are not more motivated, just more systemised

This episode is about choosing long term peace over short term relief.

Because you are not the cost of living. You are the CEO of your habits.

If you want stability, confidence and real transformation, this kōrero is for you.

🎧 Listen now.

EPISODE ABOUT CHAOS

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