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 this episode, Te Kahukura is joined by financial wellbeing expert Shelley Palman to unpack debt, financial stress, and what it actually takes to regain control of your money without shame.

We explore the emotional side of debt alongside practical steps people can take to reduce stress, avoid predatory lending, and build long term financial freedom.

In basic terms we cover off:

Good debt vs bad debt

The first steps to getting out of debt

What to do when debt feels overwhelming

KiwiSaver hardship and other support options

Paying off your mortgage vs investing

Building money habits that support freedom, not fear

ANZ has some great tools and information to help you get started:

• ANZ Budget Calculator
• ANZ Managing Debt Page

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 financial advice about your situation and goals before making financial decisions.

How do you gain 50,000 followers in just 3 months?

In this episode, I break down exactly what helped me grow my audience by 50k followers, including the mindset shifts, content strategies, and habits that made the biggest difference.

We cover:

✨ How I overcame the fear of judgement and criticism

✨ Why consistency matters more than talent

✨ The content analysis process I use to identify what works

✨ How to stop overthinking and start posting

✨ Common mistakes that keep creators stuck

✨ Building a personal brand that attracts opportunities

✨ The reality of growing on social media in 2026

Whether you're trying to grow your business, become a content creator, build your personal brand, or simply share your message with more people, this episode will give you practical strategies you can start using today.

If you've ever thought:

"I don't know what to post."

"What if people judge me?"

"My content isn't good enough."

Then this episode is for you.

🎧 Listen now and start showing up as the person you're capable of becoming.

Ready to turn your knowledge, story, skills, or experiences into income?

Join my webinar, Get Paid To Be You, where I'll show you how I built multiple income streams by sharing what I know online.

Register here: https://te-kahukura-boynton.mykajabi.com/GETPAIDTOBEYOU

Connect with me:

Instagram: @maorimillionaire_

TikTok: @maorimillionaire_

Website: maorimillionaire.com

#PersonalBranding #ContentCreation #SocialMediaGrowth #CreatorEconomy #OnlineBusiness #PersonalDevelopment #Entrepreneurship #MakeMoneyOnline #MāoriMillionaire

Everyone wants to make money online.

But most people are focusing on the wrong things.

In this episode, I break down the lessons I've learned building multiple income streams online, growing an audience, and turning content into a business.

We cover:

✨ How to choose a mission people actually care about

✨ Why consistency beats perfection every time

✨ How to analyse your content instead of guessing what works

✨ Dealing with criticism, trolls, and haters when you start putting yourself out there

✨ Exactly how I make money online and the different income streams available to creators and business owners

If you've ever thought, "Could I actually make money online?" this episode is for you.

And if you're ready to learn how to turn your knowledge, story, skills, or experiences into income, join my free webinar: Get Paid To Be You.

In this training, I'll show you how I built an online business around being myself and how you can start doing the same.

Register here: https://te-kahukura-boynton.mykajabi.com/GETPAIDTOBEYOU

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 4, Te Kahukura sits down with Tegan Yorwrarth, Mai FM radio host known for keeping it real and bringing the humour, to talk about the big one - buying your first home. Because let’s be honest, this process can feel confusing, serious, and lowkey overwhelming, so we wanted to have this kōrero in a way that feels normal.

Together, we break down whether owning a home is even realistic right now, why KiwiSaver plays such a big role in deposits, what banks are looking for, and what might be quietly holding people back. We also talk about how people are saving in today’s cost of living, different pathways like buying with others, the extra costs people don’t always see coming, and what happens to your KiwiSaver savings after you buy.

This is a practical, honest conversation that doesn’t feel like a finance lecture - just real kōrero to help you understand your next step.

Your actionable step today: map out your next home-buying milestone - maybe it’s checking your deposit savings, reviewing your budget, or learning about first-home schemes. Progress is progress, no matter the size.

ANZ has some great tools to calculate how much you could borrow and the repayments for a first home - you can even book in to speak to one of their Home Loan Coaches to make a plan - it’s commitment free and you don’t have to be an ANZ customer.

• ANZ First Home Buyers
• ANZ Indicative Approval
• Buying your first home with KiwiSaver

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 financial advice about your situation and goals before making financial decisions.

I thought success would pull me out of grief.

Instead, I made over $100,000 in the first few months of the year, gained 50,000 followers… and still found myself stuck in a rut.

In this episode, I share the very real experience of signing up for the Huntly Half Marathon during one of the hardest seasons of my life, thinking I could run my way through grief, burnout, and disconnection from myself.

Spoiler alert:

I did not magically become a runner.

I barely trained.

I nearly pulled out.

I downgraded from the half marathon to the 10km.

And honestly? That decision taught me more than forcing myself through 21km ever would have.

This episode is about:

• rebuilding trust with yourself

• what happens when achievement stops fixing your pain

• grief, burnout, and losing motivation

• why environment matters so much for healing

• learning to move forward without destroying yourself

• the small moments that reminded me I can still do hard things

I also share the powerful moments from the event that shifted something in me, including the little girl repeating affirmations while she ran and the people around me who reminded me that everyone is carrying something unseen.

If you’ve been feeling stuck, exhausted, disconnected from yourself, or like you’ve lost your spark a bit lately, this kōrero is for you.

You do not need to be fully healed to move forward.

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 3, Te Kahukura is joined by Aaliyah Tainui, an Investment Advisor from ANZ who supports everyday investors.

This episode breaks down KiwiSaver in a way that actually makes sense - no jargon and not overcomplicating it. KiwiSaver is one of the simplest ways to start investing, even if you don’t think of yourself as “an investor.”

We talk through what really matters in real life, including:

˗ What KiwiSaver is and why it genuinely matters for your long term wellbeing

˗ Why there are different fund types - and whether chasing high returns is worth it

˗ How to figure out your risk tolerance in a way that feels practical

˗ The most common mistakes people make with KiwiSaver

˗ What’s “normal” when your balance goes up and down

˗ How compounding interest quietly grows your money over time

˗ The KiwiSaver gap for women - and what we can do about it

This episode is about keeping things simple, starting where you are, and letting your money grow in the background.

ANZ has some great information and tools to help you get started:

˗ ANZ KiwiSaver Check In

˗ ANZ KiwiSaver Retirement Calculators

˗ ANZ KiwiSaver Fund Chooser Tool

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 financial advice about your situation and goals before making financial decisions.

Wealth Was Never Meant To Be Individual Most of us were never taught how to build wealth, we were taught how to survive. So for a long time, I thought money was something you had to chase on your own. In this episode, I talk about letting go of that idea and remembering that wealth was never meant to be individual. When we build together, we move faster, we hold more, and we create something that actually lasts.

Scarcity Isn’t Who I Am I unpack how a lot of our money behaviours are inherited. The scarcity, the fear, the inconsistency. That didn’t come from nowhere. It was shaped by generations of not having enough. Decolonising my relationship with money meant understanding my patterns instead of judging them, and creating safety instead of pressure.

Money Needs To Feel Safe You can earn more, learn more, do everything “right” but if money doesn’t feel safe, it won’t stay. I share why I stopped focusing only on strategy and started focusing on building a sense of safety with money first.

Those Narratives Were Never Mine I reflect on the stories that were placed on me before I had a chance to choose for myself. The assumptions about who I would become and what would be possible. This part is about letting go of those narratives and choosing something different.

Redefining What Wealth Actually Means This isn’t just about income. It’s about time, health, whānau, and freedom. I talk about expanding my definition of wealth beyond what I had been taught, and building a life that actually feels rich.

If you’re ready to stop operating from survival and start building a different relationship with money, 4 My Moko is my 4 week mindset reset designed to help you do exactly that.

Join 4 MY MOKO (ENROLMENTS CLOSE THURSDAY 9/4)

Most financial advice sounds simple.

Spend less. Save more. Invest.

But if it were that easy, more people would be getting ahead.

In this episode, we unpack why money isn’t just about behaviour or discipline. It’s emotional, it’s learned, and for many of us, it’s shaped by survival, stress, and lived experience.

We talk about why people spend even when they know they shouldn’t, the hidden role of shame, and how patterns with money often come from deeper wounds, not a lack of knowledge.

This kōrero explores how colonisation, capitalism, and consumerism have shaped the way we experience money, and why traditional financial advice often misses the mark, especially for Māori and those navigating financial pressure.

You’ll learn:

• why most financial decisions are driven by emotion, not logic
• how survival mode impacts your ability to build wealth
• the difference between being “bad with money” and coping with stress
• how trauma shows up in both overspending and avoidance
• why creating safety is the first step to changing your money habits

This isn’t about spending less.

It’s about understanding why you spend in the first place.

Because more information won’t change your life, but a different relationship with money will.

If this resonates, take a moment to reflect on the patterns you’re noticing in your own life.

And if you’re ready to start shifting your relationship with money, you can learn more about 4 My Moko here.

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 2, Te Kahukura is joined by Jake Nicholson, an Investment Private Banker who supports ANZ Private clients (clients with $1.5M+ in investments). We explore the concept of wealth as freedom - not just money. Looking at long-term savings, emergency funds, investing, and generational goals.

In basic terms we cover off:

• What “future wealth” really means
• Different pathways to building wealth; not one-size-fits-all
• How to start investing and understanding compounding growth
• The importance of KiwiSaver - especially as a young person
• Māori perspectives on abundance and legacy

ANZ has some great information and tools to help you get started:

• ANZ Plan for the future page
• Investor Profile - Sorted

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 financial advice about your situation and goals before making financial decisions.

What does the current global conflict actually mean for New Zealand’s economy?

In this episode of the Māori Millionaire Podcast, Te Kahukura Boynton sits down with economist Brad Olsen, Chief Executive and Principal Economist at Infometrics, to break down what’s happening in the global economy and what everyday New Zealanders should actually be paying attention to.

Brad is one of New Zealand’s most recognised economic commentators and regularly appears across national media explaining complex economic issues in a clear and practical way.

Together, they unpack the real financial impacts global conflict can have on New Zealand including petrol prices, inflation, KiwiSaver balances, and the risk of stagflation.

Rather than fear based commentary, this conversation focuses on helping people understand what’s happening in the economy so they can make calm, informed financial decisions.

In this episode we cover:

• The biggest economic risks global conflict could pose for New Zealand

• Why petrol prices move so quickly and how high fuel prices could realistically go

• What stagflation means and whether it is a real risk for New Zealand

• Why your KiwiSaver balance might drop during global uncertainty

• The biggest mistakes investors make when markets are volatile

• What everyday New Zealanders should actually focus on over the next few months

If you’ve been seeing headlines about rising fuel prices, falling markets or global instability and wondering what it all means for your money, this episode breaks it down in simple terms.

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