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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Last week I invested a couple of grand to sit in a room that challenged the way I think about money, business and identity.

In this episode I unpack what I learned at the One Day Mastery Event in Auckland with Luke Kemmeys from Keep the Change, Sarah Robb from Spring with Sarah and Amy from Levridge.

Before the day had even really started, something stood out to me. I was one of the youngest people in the room and very likely one of the lowest income earners there too.

Which meant I was sitting in conversations and perspectives I am not usually exposed to.

And that was powerful.

Sometimes the value of a room is not just the information. It is the proximity.

In this episode I share some of the biggest ideas that stayed with me, including:

• Why your income will not outgrow your identity

• The concept that energy is currency

• Why every yes in business has an equal no

• How to reverse engineer your income and investment goals

• Why systems, processes and people protect your energy

• The idea of taking “baby retirement days” now instead of waiting until 65

• How to identify the risks in your business and reduce them

I also share a powerful financial planning exercise I learned from Amy at Levridge that helps calculate exactly how much you need to invest each year to reach your long term financial goals.

A lot of money conversations focus on tactics. Save this much. Invest in this. Cut that cost.

But often the real ceiling is identity.

How you see yourself. What you believe is possible for you.

And the rooms you choose to sit in.

Sometimes one room and one conversation can shift everything.

Check out Sarah Robb (Mindset Coach)

Check out Luke Kemmeys (Accountant + Financial Educator)

Check out Amy Po-Ching (Financial Planner)

Everyone says “build your personal brand.”

But no one tells you this:

Your personal brand is not about aesthetics. It is a financial asset.

In this episode, I break down how attention turns into income, why clarity makes you money, and how consistency compounds just like investing. We talk about pricing power, trust as currency, and why your lived experience is not a weakness but positioning.

If you want more opportunities, higher paying clients, better partnerships, and long term wealth, you cannot afford to ignore your brand.

This is not about becoming an influencer. It is about building leverage.

If you are a founder, creative, aspiring entrepreneur, or someone who wants to earn more without burning out, this episode will change how you see personal branding forever.

Listen now and start treating your reputation like the asset it is.

Welcome to the final day of the 7 Day Money Reset.

Today we are talking about systems.

Because motivation fades. Inspiration fades. But systems compound.

If your financial progress depends on how you feel, it will always fluctuate.

In this episode we break down how to build a money system that works even when you are tired, busy, or not in the mood.

We cover:

• Why motivation is temporary but systems create stability

• How relying on willpower keeps you starting over

• Why wealthy people automate instead of “trying harder”

• Setting up automatic payments for savings and investments

• Making the right decision the default decision

• Designing accounts with intention

• Weekly money check ins and monthly net worth reviews

• Building infrastructure instead of chasing motivation

Your bank account should not rely on memory.

It should run like a machine.

A good system removes emotion from everyday money decisions.

It creates consistency. It reduces stress. It builds momentum quietly in the background.

You are not trying to “be better” with money.

You are building the infrastructure of someone who builds wealth.

Your action for today:

Before this week ends, set up one automatic payment that moves you forward.

One small system can change everything.

If you have completed all 7 days, share this episode and write “System secured.”

We are not relying on motivation anymore.

We are operating like leaders.

If you enjoyed this episode, share it with a friend!

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Welcome to Day 5 of the 7 Day Money Reset.

Today we are building stability.

A safety net is not about being rich. It is about having margin.

It is about not panicking when a bill comes in. Not relying on debt every time something unexpected happens. Not living in constant financial survival mode.

In this episode we talk about what a safety net really is and why it changes everything.

We cover:

• Why a safety net is peace, not just savings

• How stability improves your decision making

• Why survival mode keeps you stuck

• How to build your safety net in layers so it feels achievable

• Starting small without shame

• Using automatic payments to build consistency

• Why freedom requires margin

If you are living paycheck to paycheck, your first safety net might be small. That still counts.

Five hundred dollars can change your nervous system. One month of expenses can change your confidence. Three months can change your life.

A safety net allows you to leave unhealthy environments. To take opportunities. To say no when you need to.

It gives you options.

Your action for today:

Open a separate account for your safety net. Set up an automatic payment, even if it is small. Protect your future self.

We are not just growing money.

We are building security.

If you are doing the challenge, share this episode and write “Stability first.”

That is how wealth is built.

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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.