Katie Wesney

Yes, it still works, but be super disciplined because it will punish the version where the discipline slips.

So make sure you use it wisely.

Exactly.

Actual self.

Yeah, sure.

So it's savings and term deposits.

What's good news?

Rates go up, your returns go up.

But I would really encourage people to shop around.

Remember, less competition in that space.

And I think move any kind of idle money somewhere that's working for you.

Because remember, we've got to keep an eye on that inflation.

If you're earning...

You know, 4% when inflation is running at 4.2%, you're going backwards in real terms.

So please do clock that.

Investing in property, we've just talked about that.

Higher rates historically dampen prices.

It's more expensive to borrow, as we've just said, so there's less buyer activity, a softer market.

But remember, that can present opportunities, first-time buyers, et cetera.

And investing in markets, well, we've already seen this when we're watching our Kiwi savers bounce around the place.