The Prosperity Project

The IRD is ramping up crypto enforcement and some investors are discovering they owe tax on gains that have long since disappeared. Crypto tax specialist Tim Doyle joins Nadine Higgins to explain why even small investors are now in the IRD's sights, the mistakes that create nightmare tax bills and what to do if you've fallen behind.

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Most of us enter negotiations with a level of awkwardness and trying not to sound greedy. It's not the strongest tactic, but nor is making demands based on your perceived value. 

Negotiating expert and founder of Sheer Negotiations, Noa Sheer, joins Nadine to share her advice on how to handle everything from salary reviews to buying a house, The pair discuss the psychology behind successful negotiating and why women often undersell themselves before the conversation even starts.

There are simple mistakes that could cost you thousands, and a few tricks that could help you reach your negotiating goals.

Noa also explains why 'winning' isn’t always about money, and how understanding what really matters to both parties can completely change the outcome.

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New Zealanders owe 9.5billion dollars in overdue tax, with small business owners and the self-employed most likely to get behind.

Director of Future Focused Accountants, Catriona Knapp, joins Nadine to explain what can go wrong if you don't get on top of your tax obligations and why it's better to face the debt head-on than bury your head in the sand. 

With the IRD cracking down on collecting overdue tax, now is the time to school up on what you need to know to avoid a knock on your door from the taxman. 

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Interest rates are rising again, fuel prices are climbing and many homeowners are wondering what to do next. But according to Squirrel mortgage adviser Adam Clark, too many Kiwis are focusing on the wrong things.

In this episode of The Prosperity Project, Adam joins Nadine Higgins to unpack the psychology of mortgages, why obsessing over tiny rate differences can backfire, and the financial habits that quietly cost borrowers hundreds of thousands over the life of a loan.

They also dive into refinancing, cashback offers, fixing strategies, mortgage structures, EV lending and the dangerous temptation of “cheap debt”.

Plus:

• Why banks hike rates before the Reserve Bank moves
• The truth about cashback “free money”
• Why fixing for the shortest term isn’t always smartest

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It's one thing to talk about money, and and something else entirely to talk to it. But for Rachel Davies, that shift changed everything.

Rachel and her Hi Money co-founder Angela Meyer join Nadine to unpack the emotional side of money. From avoidance and binge spending to deeply held beliefs about luck, scarcity and security, they argue most of us don’t have a knowledge problem, we have a relationship problem.

They share the therapy-style exercise that reframed their thinking, why so many people still rely on “it’ll work out somehow”, and the hidden costs women face, from the wage gap to the pink tax.

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Helping your kids get ahead financially sounds simple, but get it wrong and things unravel fast.

Wealth and succession lawyer Andrew Clements has seen what happens when it goes wrong, from family disputes to parents losing their homes. He joins Nadine Higgins to talk about why undocumented support can become a legal minefield, his one firm rule against guarantees, and why even advice from banks can put families at risk.

Plus, why treating support as a loan not a gift can protect both your money and your relationships, and the one conversation every parent should have before offering help.

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Imagine having a financial adviser in your pocket. With AI innovations transforming what finance apps are capable of, that reality might not be too far away.

Instead of just tracking your spending, saving and investments, advances internationally are increasingly seeing the apps able to do everything from scanning the market for better deals or returns, to making recommendations and then executing them on your behalf.

Josh Daniell, the co-founder of Akahu – which connects bank accounts to third-party tools like tracking apps – joins Nadine to talk through the rapidly evolving world of finance apps.

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Recent KiwiSaver changes were meant to strengthen the scheme, but one expert says they risk doing the opposite.

Mary Holm joins Nadine Higgins to break down why cuts to government contributions hit low income earners hardest, and how current settings could deepen inequality over time.

So who is KiwiSaver working for? Why are some workers are missing out on employer support altogether? And what are the unintended incentives baked into the system?

Plus, the changes Holm wants to see, from government contributions for beneficiaries to emergency “sidecar” savings designed to stop people falling into debt when life hits.

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Is property investing actually dead? Investor Ilse Wolfe doesn’t think so, but she says the old way of doing it is. Ilse joins Nadine to share her strategies for making property investment work in 2026.

From surviving negative equity early on to building strong cashflow, Wolfe argues it’s still viable, if you’re willing to be active and rethink the playbook.

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Now, more than ever, it might seem like a good idea to invest in an electric vehicle, but does it make sense financially?

Johnathan Sergel, the AA’s chief mobility officer, joins Nadine to dive into the costs involved with owning and running an EV, and how those costs compare to running a petrol vehicle.

With rising fuel costs and EV sales surging, now's the time to do the maths and figure out what makes the best sense for you. 

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