Recently I teamed up with Lighthouse Financial and Sorted for this emergency fund masterclass, and it's exactly what every Kiwi needs to hear right now. 44% of Kiwis don't have an emergency fund. That's 2.3 million adults walking around completely exposed to life's curveballs.

In this session, James from Lighthouse, Tom from Sorted, and I break down:

• Why you need $1,000 before you do anything else
• The real cost of not having emergency money (hint: it's not just financial)
• How to calculate your actual emergency fund target
• Why revolving credits sound good but usually backfire
• The tools that actually work to build your fund

We kept this practical, no-nonsense, and focused on what works in the real world. No theory, just the stuff that will actually help you sleep better at night.

If you're one of those 2.3 million Kiwis without an emergency fund, this is your wake-up call. And if you've got one but haven't reviewed it lately, we'll show you how to make sure it's actually fit for purpose.

This is Money Month content that could genuinely change your financial future.

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