NZ Everyday Investor

Sarn Elliot, crypto consultant, is my special guest today and we're talking about how to 'be your own bank'.

If you’re not yet into Bitcoin and you’re aware the price is now at all time highs, don’t panic – you’re still very early. Education is so important around the basics of setting up your wallet, watching out for scams, and making sure you have some sort of game plan.

Better yet, take the free, 5-part online course Crypto 101: Crypto with Confidence, then sign up here to Easy Crypto, and download the Exodus Wallet to get started.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

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Affiliate Links!

I may receive a financial benefit if you click on these links.

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Sharesight: For tracking and reporting on your portfolio

Revolut: For a new type of banking.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Today it’s about buying your first home, and your next home– my guest today followed, or is following, a really simple strategy: When it's down, it’s time to step it up.

Read more

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

______________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

If you've reached the midpoint of your investment journey , or thereabouts, you know – it’s about risk management more than just number go up. Read more.

A special thank you to my guest, Professor Anananish Chadhuri – Lecturer in experimental and behavioural economics at the University of Auckland.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

______________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

When you come from nothing, the only sure-fire way to catch up to where you need to be, is to work harder than everyone else, and use leverage. If you can use other people’s money, with permission of course, and you make some correct assumptions about the future, you might be able build more, with less. Whatever the outcome, it’s more with leverage. Read more.

Watch YouTube Version.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

Sign up to the fortnightly newsletter!

______________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

The Bitcoin Adviser: Talk to me about using Bitcoin as an intergenerational wealth transfer vehicle.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Revolut: For a new type of banking.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz

________________________

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Today, I’m grateful to be speaking with Ian Woolford, the head of money and cash at the Reserve Bank of NZ.

Central Bank Digital Currency, branded as 'digital cash' by the RBNZ, has the potential to give the banking scene the boot up the backside we desperately need. One step further, trillions of dollars of assets migrating into the digital ecosystem (which is what CBDC's help facilitate) will usher in the most significant changes to wealth we've EVER seen.

Concerns exist, absolutely, especially over the long term.

A responsible and trustworthy RBNZ is the at the base-layer of our financial system. CBDC's have the potential to dramatically increase the power they hold. Our trust in them must therefore increase over time.

Read more

______________________

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

Get Social

Sign up to the newsletter!

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz

________________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

Hatch

Sharesies

Easy Crypto

Sharesight: (Get 5 months free)

Revolut: Sign up, and get a $15 credit.

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

We’re so optimised for facts, that we’ve forgotten about meaning. The inability to hold a contrarian view may blindness, or extremist views like believing in a flat earth, or that you can trust the government!

Anyway, will central bank digital currencies destroy your retirement plan? The answers not 'no'...

Read more.

Check out research paper here.

______________________

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

Get Social

Sign up to the newsletter!

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz

________________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

Hatch

Sharesies

Easy Crypto

Sharesight: (Get 5 months free)

Revolut: Sign up, and get a $15 credit.

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Today, I’m talking with fellow financial adviser and CEO of Guardian Smith Mortgages, and co-host of the Keep The Change podcast - Mikey Smith. We’re talking about money, how property wealth is actually created, and how central banks of the world are on a mission further digitise the money we use. Read more

______________________

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

Get Social

Sign up to the newsletter!

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz

________________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

Hatch

Sharesies

Easy Crypto

Sharesight: (Get 5 months free)

Revolut: Sign up, and get a $15 credit.

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Lettuce hands need not apply. There's no need to quibble about the exact length of a property cycle. What's relevant, is that the property cycle is slower than other asset classes. This affords the everyday investor an opportunity to jump on board at more optimal times than others. Should you factor this into your decisions when buying or selling property?

Read more.

Today I’m talking with Kieran Trass who is the author, and perfecter, of what could arguably be called the property owners bible.

His book, 'Grow Richer with the Property Cycle,' concentrates his expertise into a guide that every first home buyer, investor, or upgrader should reference regularly.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

______________________

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)

Get Social

Sign up to the newsletter!

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz

________________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

Hatch

Sharesies

Easy Crypto

Sharesight: (Get 5 months free)

Revolut: Sign up, and get a $15 credit.

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Property development can take many forms, such as subdivisions, renovations, and speculative building. While I have much to learn in this space, I invite you to join me on this journey and starting by checking out this conversation John Kenel. Read more.

______________________

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

Get Social

Sign up to the newsletter!

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz

________________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

Hatch

Sharesies

Easy Crypto

Sharesight: (Get 5 months free)

Revolut: Sign up, and get a $15 credit.

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

A cynical take on the financial services industry is understandable. There's nothing like an obvious financial benefit in the form of a commission or fee based on volume to put into question their motivation. Read more

Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link.

______________________

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence (In partnership with Easy Crypto)

Get Social

Sign up to the newsletter!

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

Learn more about Ungaro & Co Financial Advice: www.ungaro.co.nz

________________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

Hatch

Sharesies

Easy Crypto

Sharesight: (Get 5 months free)

Revolut: Sign up, and get a $15 credit.

Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!