Greg Smith

Oh, absolutely.

And it sort of certainly brings true and you could sort of segue into a household.

Yes, you spend and you want to have experiences in that, but you also got to think about the future.

You think about your KiwiSaver, think about maybe should you be contributing more?

And have a plan.

It's easy to go and have everything that comes in just sort of go out and there's cost of living pressures and so on.

It's probably where budgeting is, of course, even more important, isn't it?

And sort of having not spending or not sort of splashing the cash, which has happened potentially in the past.

We saw that in the wake of the pandemic.

You know, interest rates got down to, you know, close to zero and some people maybe weren't as sensible as others.

You looked at the, you know, we were going, lots of people were going in and buying new plasma screens and...

flash new cars and upgrading their house just because borrowing costs were lower or they'd been cooped up and had some savings buffers.

But yeah, you do need to take a long-term view as well.

Great to have fun in the here and now, but also thinking about the future.

And I guess you just go across to KiwiSaver.

That's obviously a fundamental aspect of what we're looking at there.

Yeah, that's not going to go away.

I've seen plenty of comments about disappointment about KiwiSaver not mentioned, but I think it's really worth remembering.

Often we use things as punching bag, don't we?

It was somewhere recently where someone was talking about everything that was wrong with KiwiSaver, and I was like, wait, it's not perfect, but let's celebrate what we have.