If I were starting my investing journey from scratch today, knowing everything I know now, this is the exact step-by-step approach I would follow.

This isn't about picking the next hot stock or trying to get rich quickly. It's about building the financial foundation that allows you to invest consistently, minimise unnecessary risk, and let time do the heavy lifting.

In this video, I break down:

• Why starting early can make such a massive difference• How much a simple $200/month investment could potentially grow over time

• How much you should have in an emergency fund before investing

• Why paying off high-interest debt can come first

• How to maximise your KiwiSaver employer contributions• Why I would choose low-cost, globally diversified index funds or ETFs

• When I'd consider investing in property

• How automation can make investing almost effortless

• Why staying invested matters more than trying to time the market.

The goal isn't to predict what the market will do next. It's to build a system you can stick with for decades.

YouTube Version: https://youtu.be/yhv8G7VLFSU

👋 Need a Mortgage, KiwiSaver, or Insurance Advisor? Let me connect you: [email protected]

Disclaimer: I am not a financial adviser. The information provided in this video is for educational and entertainment purposes only and does not constitute personalized financial advice. Please do your own research or consult with a Registered Financial Adviser before making major financial decisions.

Imagine waking up on January 1st completely debt-free, no credit cards, no car loan, no mortgage hanging over you. In this video, I break down the exact 6-step blueprint to get there, no matter where you're starting from.You'll learn:✅ How to audit your debt properly (Step 1)✅ Debt Avalanche vs Debt Snowball — which strategy suits you✅ Radical budgeting techniques that actually stick✅ Simple ways to boost your income and accelerate payoff✅ How to tackle your mortgage principal aggressively✅ Automating your debt payoff so you never slip upWith household debt-to-income ratios climbing above 170% in New Zealand and interest rates still elevated, there's never been a better time to take control of your finances and build a real plan to get debt-free.💬 Which method resonates with you more — Avalanche or Snowball? Drop a comment below!👍 If this roadmap helped you, like this video and subscribe for more financial freedom strategies.YouTube Version: https://youtu.be/AS5Nep4JJiE👋 Need a Mortgage, KiwiSaver, or Insurance Advisor? Let me connect you: [email protected]: I am not a financial adviser. The information provided in this video is for educational and entertainment purposes only and does not constitute personalized financial advice. Please do your own research or consult with a Registered Financial Adviser before making major financial decisions.

Right now, you fall into one of five precise financial levels — and most people are stuck in Level 1 or 2 without even realizing it.In this video, we break down the 5 Levels of Wealth: Financial Dependence, Financial Stability, Financial Security, Financial Independence, and Financial Abundance — with the exact dollar figures, savings rates, and action steps to move up each rung of the ladder.You'll learn:✅ How to escape high-interest debt with the emergency fund + debt avalanche method✅ Why an employer-matched retirement contribution (401k, KiwiSaver, Super, RRSP) is a guaranteed 100% return✅ The exact liquid net worth and equity targets for financial security✅ How to calculate your real Financial Independence number using the 4% rule✅ What separates financial independence from true generational wealthYouTube Version: https://youtu.be/eF_0qZnQREI👋 Need a Mortgage, KiwiSaver, or Insurance Advisor? Let me connect you: [email protected]: I am not a financial adviser. The information provided in this video is for educational and entertainment purposes only and does not constitute personalized financial advice. Please do your own research or consult with a Registered Financial Adviser before making major financial decisions.

How much could you change your financial future in just 90 days, without earning a single extra dollar?In this video, I break down a simple 3-month financial system designed to help you get ahead financially, no matter where you live.You don't need a huge salary.You don't need a side hustle.And you don't need to become an investing expert.You need to make a few important changes, then build systems that make those changes stick.In this video, you'll learn:💰 How to find the money you're already wasting, including one spending category where the average U.S. household spends around $3,945 a year.🏦 How to build a $1,000 emergency fund so an unexpected expense doesn't immediately turn into expensive debt.💳 How to attack high-interest debt using the debt avalanche method — and why eliminating 20–25% interest debt can be one of the highest-impact financial moves you make.📈 How to optimise your retirement investments and why the type of fund you choose can have a massive impact over decades.💵 How a $500/month investment could potentially grow to more than $1 million over 30 years, and why the difference between two investment approaches could be around $623,000.⚙️ How to automate your finances so saving, investing and debt repayment happen without relying on willpower.🛡️ How to future-proof your finances by setting clear goals and protecting yourself against the financial risks that could derail your plan.The goal isn't to become financially perfect overnight.It's to spend the next 90 days building a system that puts you in a dramatically better financial position — and then keep it going.By the end of the challenge, you'll have a clearer budget, an emergency fund, a plan for high-interest debt, an optimised retirement strategy and automated systems for building wealth.And the best part? You don't need to earn more money to start.If you found this video helpful, please Like, Subscribe, and let me know in the comments:What's the ONE thing you're going to change this week?YouTube Version: https://youtu.be/6KOTRB6ewmo

👋 Need a Mortgage, KiwiSaver, or Insurance Advisor?Let me connect you: [email protected]: I am not a financial adviser. The information provided in this video is for general educational and entertainment purposes only and does not constitute personalised financial advice. Investment returns and projections shown are illustrative and are not guaranteed. Everyone's financial circumstances are different, so consider speaking with a Registered Financial Adviser before making major financial decisions.

Most Kiwis don't realise how much money quietly disappears every year.

After digging through the numbers, I calculated the biggest financial leaks affecting the average New Zealand household—and the result was shocking.💰 Total annual wealth lost: $81,730In this video we count down the 10 biggest money leaks facing Kiwis, from food waste and subscriptions to KiwiSaver mistakes and mortgage strategies that could cost you tens of thousands of dollars over your lifetime.

You'll learn:

✅ How much the average Kiwi wastes on food every year

✅ The hidden subscriptions quietly draining your bank account

✅ Why your mobile plan could be costing hundreds too much

✅ The expensive mistake many people make with KiwiSaver

✅ How banks profit from minimum mortgage repayments

✅ Practical ways to stop these money leaks and build wealth faster

Whether you're saving for your first home, paying off a mortgage, or simply trying to get ahead financially, these are the money habits that can make the biggest difference.

Which of the 10 surprised you the most? Let me know in the comments below.If you enjoy practical, no-nonsense personal finance content made specifically for New Zealanders, make sure to subscribe. New videos every week covering mortgages, investing, KiwiSaver, budgeting, and building long-term wealth.

YouTube version: https://youtu.be/QQ5z8tlUQzU

👋 Need a Mortgage, KiwiSaver, or Insurance Advisor? Let me connect you: [email protected]

Disclaimer: I am not a financial adviser. The information provided in this video is for educational and entertainment purposes only and does not constitute personalized financial advice. Please do your own research or consult with a Registered Financial Adviser before making major financial decisions.

Should you pay off your mortgage early, or invest instead?

It's one of the biggest financial decisions you'll ever make, and the answer isn't as simple as most people think.

In this video, I compare paying an extra $500/month off your mortgage versus investing the same amount into a low-cost S&P 500 index fund, using real numbers to show how the difference could be worth up to $250,000 over time.

We'll cover:

✅ How much you could save by paying off your mortgage early

✅ Why investing has historically delivered higher long-term returns

✅ The impact taxes can have on your final result

✅ When paying down your mortgage actually makes more sense

✅ How redraw and offset accounts can give you the best of both worlds

✅ Why you don't necessarily have to choose one strategy over the other

YouTube Version: https://youtu.be/_aXCNpO1Ym4

👋 Need a Mortgage, KiwiSaver, or Insurance Advisor? Let me connect you: [email protected]

Disclaimer: I am not a financial adviser. The information provided in this video is for educational and entertainment purposes only and does not constitute personalized financial advice. Please do your own research or consult with a Registered Financial Adviser before making major financial decisions.

Most people think getting ahead financially starts with earning more. In reality, the habits you follow immediately after your paycheck lands often matter far more.In this video, I'll show you the 4-Step Paycheck Power Routine that helps you:💰 Build an emergency fund automatically📈 Grow your retirement savings💳 Pay off high-interest debt faster🤖 Automate your bills and spending🚀 Use every pay rise to build wealth instead of lifestyle inflationThe goal isn't to budget perfectly, it's to create a system that works even when life gets busy.YouTube Version: https://youtu.be/XGZrtmSbY4U👋 Need a Mortgage, KiwiSaver, or Insurance Advisor? Let me connect you: [email protected]: I am not a financial adviser. The information provided in this video is for educational and entertainment purposes only and does not constitute personalized financial advice. Please do your own research or consult with a Registered Financial Adviser before making major financial decisions.

Think you're behind financially for your age? In this video, we're breaking down the major money milestones you should aim for in your 20s, 30s, 40s, 50s, and beyond.You'll learn:✅ How much you should have saved by each decade✅ The biggest financial mistakes people make at every stage of life✅ Why starting just a few years earlier can be worth hundreds of thousands of dollars✅ The key money habits that build long-term wealth✅ The financial milestones that matter more than just your net worthWhether you're just starting your financial journey or planning for retirement, these are the benchmarks that can help keep you on track.💬 What decade are you in, and what's your biggest financial goal right now? Let me know in the comments!👍 If you found this helpful, don't forget to Like, Subscribe, and turn on notifications so you don't miss future personal finance videos.YouTube Version: https://youtu.be/GS5C5E7NmpY👋 Need a Mortgage, KiwiSaver, or Insurance Advisor? Let me connect you: [email protected]: I am not a financial adviser. The information provided in this video is for educational and entertainment purposes only and does not constitute personalized financial advice. Please do your own research or consult with a Registered Financial Adviser before making major financial decisions.

How do some homeowners pay off their mortgage years earlier than everyone else?It usually isn't because they earn more money.It's because they understand a few simple strategies that dramatically reduce the amount of interest they pay over the life of their home loan.In this video, I break down 4 mortgage accelerators that could potentially save you tens or even hundreds of thousands of dollars and help you become mortgage-free much sooner.In this video you'll learn:🏡 Why increasing your repayments has a much bigger impact than chasing the lowest interest rate.💰 How the "Pay Rise Rule" can help you pay off your mortgage without feeling like you're sacrificing your lifestyle.📉 Why you should think twice before reducing your repayments when interest rates fall.💵 How offset accounts and revolving credit facilities can reduce the interest you pay while keeping your savings accessible.🔄 Why splitting your mortgage can give you more flexibility to make lump sum repayments over time.The goal isn't necessarily paying your mortgage off in exactly 5–7 years.The goal is paying it off as early as possible, so you can stop sending so much of your income to the bank and start building real wealth instead.If you found this video helpful, please Like, Subscribe, and let me know in the comments:Which mortgage accelerator are you already using, or which one are you planning to try first?YouTube Version: https://youtu.be/AKeWMtZ5Dek👋 Need a Mortgage, KiwiSaver, or Insurance Advisor? Let me connect you: [email protected]: I am not a financial adviser. The information provided in this video is for educational and entertainment purposes only and does not constitute personalized financial advice. Please do your own research or consult with a Registered Financial Adviser before making major financial decisions.

Most Kiwis think building wealth is about earning a higher salary. It isn't.

In this video, I break down the 5 money milestones every Kiwi should hit before turning 30—the simple financial moves that could potentially make a $700,000+ difference to your future wealth.

We'll cover:

💰 How to claim FREE money through KiwiSaver

💳 Why paying off high-interest debt beats almost any investment

📈 The investing habit that could be worth over $1 million

🛡️ How an emergency fund protects your financial future

🏠 Why your twenties are the most important decade for keeping home ownership within reach.

Whether you're in your early 20s, late 20s, or simply want to get your finances on track, these are the milestones that can set you up for decades to come.

If you found this video helpful, please give it a 👍, subscribe, and let me know in the comments:

Which milestone have you already completed, and which one are you working on next?

Video Version: https://youtu.be/7ItbtB7GdLA

👋 Need a Mortgage, KiwiSaver, or Insurance Advisor? Let me connect you: [email protected]

Disclaimer: I am not a financial adviser. The information provided in this video is for educational and entertainment purposes only and does not constitute personalized financial advice. Please do your own research or consult with a Registered Financial Adviser before making major financial decisions.