The reserve fund is the one strategy every financial adviser agrees on — and the one most people ignore. In the first episode of 2026, Tim Ellis and Sheldon Wu break down what a reserve fund really is (and isn’t), why credit cards and revolving credit don’t count, and how having real cash set aside changes the way you invest, work, and live. 

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The information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure