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Money Made Simple

Author: Simplicity

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Welcome to Money Made Simple, a family of NZ-based financial literacy podcasts from Simplicity which keep it simple and get straight to the point. We want ALL Kiwis to have dignity, and a dignified life is one with choices. What can help with more choices? More money. So we're here to make Kiwis richer and smarter with money.

MONEY MADE SIMPLE WITH JENNIE AND LIV:

Join co-hosts Liv and Jennie on a fortnightly basis to help you understand the basics around money, finances, investing, KiwiSaver, and planning for a better future. We aim to provide information in a bite-sized, easy-to-listen way that simplifies the jargon. 'Cos who's got time for that! We want you to feel empowered and confident when thinking about money and investing - whether that be via KiwiSaver, investment funds, the share market, property, or whatever suits you.


THE ECONOMY MADE SIMPLE WITH SHAMUBEEL EAQUB:

Join Shamubeel Eaqub, Simplicity's Chief Economist, on a monthly basis to help you understand what's happening in the economy, job market, politics and financial markets. Tune in to get economic updates, interviews with NZ's key movers and shakers, and deep dives into topics you might want to understand better.



You can join the Simplicity community via the following channels:

Instagram: https://www.instagram.com/simplicity_kiwi/
Facebook: https://www.facebook.com/simplicitykiwi
LinkedIn: https://www.linkedin.com/company/simplicity-kiwi/

Or check out our website: https://simplicity.kiwi/

Cheers for listening - we appreciate each and every one of you %)

68 Episodes
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In this inspiring episode of Money Made Simple, Jennie sits down with Hannah Porter - founder of baby and kids' brand Bear & Moo - to talk about building a successful startup from scratch, while juggling family life and financial realities. From starting with just $6,000 to growing into a thriving online and retail store, Hannah shares what it’s really like to take a calculated risk and create something that works for your lifestyle, and helps build financial success. This episode covers:...
In this episode of Money Made Simple, Jennie and Liv unpack one of the most simple and powerful (yet often misunderstood) tools for building wealth: index funds. They explain what index funds are, why they’re so popular with investors worldwide, and how they actually stack up against actively managed funds. Using strawberries, gift hampers, and a couple of screw-ups along the way (we never said we were perfect!), they strip back the jargon to make index investing easy to understand - and get ...
In this episode of Money Made Simple, Jennie and Liv take on the top five money myths that keep holding Kiwis back from building financial confidence - and wealth! From saving when money is tight to whether credit cards are always “bad,” they tackle some of the most common misconceptions with real-life examples and practical advice you can actually use. This episode covers: Why “I don’t earn enough to save” is almost never trueThe truth about credit cards: when they can be helpful, and ...
In this episode of Money Made Simple, Jennie and Liv tackle the common Kiwi dilemma: Should you rent forever, or is it better to save up and buy your own home? They unpack the real-world costs on both sides (not just mortgage vs rent), discuss the lifestyle trade-offs, and how today’s market settings can tilt the decision either way. You'll get a run down of general ownership expenses, rent realities, and practical ways to stress-test what’s right for you and your whānau. This episode covers:...
In Part 2 of our “Save and Spend” series, Liv and Jennie are back to talk about the fun side of money: spend spend spend! But even spending can go sideways if you’re not intentional about it (cue: Jennie's fave Want Monster). This episode explores how to spend smarter, not harder - and how investing in the right things can save you money, stress and regret down the track! This episode covers: Why “buying cheap” often costs more in the long runHow to balance quality with affordability on every...
*Please note that nothing in this podcast is personalised financial advice or recommendations. We recommend that people seek independent financial advice when it comes to making decisions around their mortgages, insurances and/or general financial situation.* As the cost of living crisis continues to squeeze Kiwi wallets, Jennie and Liv are back with practical, real-world ideas to help you save money without sacrificing everything you love. From tackling big-ticket expenses like housing and i...
In this episode of Money Made Simple, Liv and Jennie unpack the recent changes to KiwiSaver announced in Budget 2025 - what’s changing, why it matters, and how it could impact you both now, and in the long term. From personal contribution increases to government contribution cutbacks, it’s a mixed bag. Some changes are great, particularly for younger savers and long-term investors, but others (like the halving of the government contribution) may feel like a step backwards. This episode ...
In this episode of Money Made Simple, Liv sits down with Josh Taylor — or JT — co-founder of Tax Traders and Taxi, two innovative businesses making waves in the world of tax. While tax might not sound like a glamorous industry, Josh’s entrepreneurial journey is packed with insight, hard-won lessons, and inspiring moments of resilience. From getting made redundant to selling the family home to start a business, JT shares what it really takes to build a company from the ground up, and why the b...
In this episode of Money Made Simple, Jennie is joined by Tom Hartmann, personal finance lead at Sorted and part of Te Ara Ahunga Ora Retirement Commission. Together, they break down KiwiSaver in simple, practical terms to help you feel - and help you actually get - sorted when it comes to planning for your nest egg. Whether you're just starting out or have been contributing for years, this episode is packed with insight and easy-to-understand tips to get your KiwiSaver settings right. This e...
In this episode of Money Made Simple, Liv sits down with Simplicity member Rugved Deshpande to share his real-life finance journey. From childhood savings jars and pocket money to index funds, KiwiSaver choices, and building wealth his own way. As a second-generation Indian Kiwi and management accountant, Rugved reflects on how his upbringing shaped his money mindset, and how that mindset has evolved over time to where he is at today. This episode covers: Rugved’s early memories of money, sha...
In this episode of Money Made Simple, Jennie and Liv dive into the not-so-sexy but super important topic of tax – specifically how it works inside your KiwiSaver. Tax might not be everyone’s idea of a good time (trust us, we get it), but understanding the basics can make a big difference to how confident you feel about your KiwiSaver. Whether you've noticed your balance dropping in March, or you're just trying to figure out what a PIR is, this episode is for you. This episode covers: Where, w...
In this episode of Money Made Simple, Jennie chats with Consumer NZ CEO Jon Duffy about the real pressures New Zealanders are facing in today’s challenging economy – and what we can ALL do about it. From overpriced groceries to big power bills, Jon breaks down the biggest consumer issues and gives practical tips for navigating your way to smarter spending habits. This episode covers: Why supermarket prices are so high and what’s stopping real competitionHow power pricing works (AKA why ...
In this episode of Money Made Simple, Jennie and Liv dive into effective strategies for building job resilience during an economic downturn (like we're seeing right now). If you're worried about your job security or looking to secure a new job, this episode will arm you with the insights and strategies you may be seeking. This episode covers: Current trends in unemployment, business closures, job applications and how these affect everyday KiwisHow to make yourself indispensable at work when r...
In this second episode of our two-part series with Jane Wrightson, New Zealand's Retirement Commissioner, we dive deeper into the future of retirement and how today’s choices can and will impact tomorrow's freedom. This episode, tackles some thought-provoking issues and projections, and could be a game-changer for those trying to secure a more comfortable future. This week's episode covers: How retirement is changing both in New Zealand and globally, reflecting longer lifespans and economic s...
In this episode of Money Made Simple, Jennie sits down with New Zealand’s Retirement Commissioner, Jane Wrightson, to discuss what retirement really looks like in New Zealand. We often think of retirement as something far off on the horizon but the reality is, the choices we make today shape our financial future. This episode covers: The true state of retirement in NZ—why the “rich boomer” stereotype doesn’t match the reality for many retireesNZ Super (the pension): What it’s designed for an...
*Disclaimer: This podcast material is for information purposes only. Simplicity does not provide financial advice or offer insurance products. Simplicity is not affiliated with Partners Life or any other insurer, and we do not provide recommendations or referrals.* In this second episode of our insurance 101 series, Liv welcomes back Mark from Partner's Life to get into the nitty gritty of personal insurances. Building on our "why" and "how" from Part One, this episode focuses on understandin...
*Disclaimer: This podcast material is for information purposes only. Simplicity does not provide financial advice or offer insurance products. Simplicity is not affiliated with Partners Life or any other insurer, and we do not provide recommendations or referrals.* In this episode of Money Made Simple, Liv is joined by Mark Banicevich, an insurance expert from Partners Life, who helps her break down the often-confusing world of insurance. Together, they explore why insurance matters, how it w...
In this episode of Money Made Simple, Liv and Jennie dive into the world of side hustles - exploring whether they’re a hustle worth pursuing or a hassle to avoid! With rising living costs, more Kiwis than ever are turning to side gigs for financial support, new skills, or to explore passion projects. This episode covers: The rise of hustle culture in NZ and why nearly half of Kiwis are considering a second jobA quick-fire list of practical side hustle ideas, from renting out spare rooms...
We're back, baby! Liv and Jennie kick off 2025 with a brand new podcast season, and an episode dedicated to making your 2025 as kick-ass as possible - both personally and financially. As we all shake off the cobwebs of 2024, they share insights on crafting New Year's resolutions that stick, and a bunch of strategies to help you manage your money better, both over the short and long-term. This episode covers: Why it's important to reflect on your past year, both the wins and the challenges (of...
Spring might be in the air, but the economy hasn’t quite joined the party yet. In this quarterly economic update, Shamubeel Eaqub, Simplicity’s Chief Economist, breaks down what’s really going on in New Zealand and across the globe. He explains why the economy still feels sluggish, what's happening re: the cost of living crisis, and what to watch for next. This episode covers: Why the New Zealand economy is experiencing one of its longest and deepest slowdowns in decadesHow global uncertainty...
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