Andrew Nicholl

speaker

9,332 appearances 120 recordings 1 series first heard Apr 2026 last heard 2d ago

Andrew Nicholl’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 120 in all, peaking in Jul 2026 with 29.

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The Property Academy Podcast · How Much You ACTUALLY Need To Retire In 2026 [New Tool] · 13 Sep 2026 podcast

Um and it's still got a mortgage of five hundred thousand on it.

They're paying interest only because they've still got a little bit on their personal mortgage.

They want to get that paid off first.

the great news is they're they're able to retire at the same time.

The problem though is when they get to about seventy-eight.

Someone's gonna have to go back to work.

Um, and that's probably the quite confronting part of actually running the numbers this way because all of a sudden you say, Okay, well, if we still wanna keep spending that money, yep, we've got a house that we own and we might have that paid off, but we can't actually get any income off that or we can't get any equity out of that.

So we've still got a wealth gap, um, to the tune of about a million dollars.

And so I either need to change my goals

I work longer or or spend less, or I need to carry on investing a bit more.

as well, is let's say they want to actually increase their Kiwi saver now.

So let's say um uh uh they they increase their contributions to six percent now and and continue in getting the government uh I'm sorry, the employer um contribution at the at the minimum rate.

So they increase that to six.

They do the same in a few years time.

Very much so.

Um, I I do think um particularly people that are getting closer to retirement get a bit more panicked, as I said before, and um they kind of they fall into two camps then.

They either just work too long or they bury their head in the sand.

And if you don't know um what needs to be done to be able to live the lifestyle you want or what you need to adjust, it can be quite scary.

And it means that you you all of a sudden just don't have

control of your financial future, you're just hoping and

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