Nico Jones

I'll kick in a bit of extra if like if there's something left over at the end of the pay week.

Like we've got to make money simpler for people to create ways that habits and consistency are built into it.

Otherwise, people, they're not going to do it.

There's so much competition for the dollar.

So you almost need to have it sucked out of your account before you have the temptation to do what marketing is going to put in front of you until your next pay round.

Fijoa solves this and makes it simple.

But there are so many more use cases because you think, okay, well, cool, bro, you're fucking rounding up your 50 cents from your coffee into your KiwiSaver like, oh my gosh, mate, good, like, whoa, okay, hang on, hang on.

Think of the use cases for this.

And I think there are so many different ways that this could genuinely help.

And it's just at the KiwiSaver level at the moment.

Should it branch out, then all these use cases change again.

But one, hitting the government contribution.

So every year people miss out on free money.

You need to put $1,043 in there roughly going into KiwiSaver to get the full government top up.

I think that's $251, is it now?

Government keep cutting it back.

That's a shock.

Yeah, so even still, your 25% gain on that $1,043, especially compounded over many years, that's pretty good.

It's going to be hard to beat that.

So this could quietly help top people up without them having to think too much about it, especially if they know that they're not quite getting to that.