Stephen Knight

speaker

17,575 appearances 119 recordings 2 series first heard Sep 2019 last heard yesterday

Stephen Knight’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 118 in all, peaking in Aug 2026 with 32.

Appearances

newest first · ▶ plays the moment

The Property Academy Podcast · If a Rental Doesn’t Pass This “Test,” Don’t Buy It · 21 Sep 2026 podcast

Whether that happens to be in shares or KiwiSaver or managed funds or gold or property, the effect of saying, well, I don't think that investments or assets are gonna go up. voice-verified

And value as fast in the future as they have in the past. voice-verified

The effect is you've got to put more of your own money in if you want to create the same level of wealth. voice-verified

In other words, you've got to save more of your own money. voice-verified

That is what being conservative really means. voice-verified

Either that or you bring down your goals and you have more conservative goals. voice-verified

All I'm trying to say is that when you start pulling these levers as part of the what if I'm wrong test, voice-verified

Is that has an impact on you as well in terms of how you're going to react to that? voice-verified

And it typically means you're going to have to take more money out of your own pocket to put into whatever investment you are wanting to make. voice-verified

Another example, if I'm thinking about that Wellington investor and how they might use the what if I'm wrong test, is what if that renovation costs me more money? voice-verified

What if the bathroom doesn't cost me 20 grand? voice-verified

It costs me 30 grand. voice-verified

What if it doesn't take me three months to do the renovation? voice-verified

It takes me four months? voice-verified

What if it doesn't take me four weeks to sell the property? voice-verified

What if it actually takes me eight weeks to sell that property? voice-verified

So adding in 10 to 20% contingency to any renovation budget or budgeting an extra two to three months of holding costs beyond what you think it might be, those voice-verified

Are all ways to use the what if I'm wrong test? voice-verified

And I'll give you an example of this. voice-verified

I was recently speaking to an investor who's actually very experienced. voice-verified

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