It's No Secret

Spending $1k+ on Bubble Tea and Being the Reluctant Household CFO | Money Moments with Dora

07 Oct 2025

Contributed by Lukas

In this Money Moments episode of It’s No Secret, we chat with Dora Yip, CMO at PocketSmith, about the real life of a “household CFO.” Dora, who ...

113. How Your Investments Can Fit Together: Core Satellite Investing Explained

17 Jun 2025

Contributed by Lukas

This week, we’re diving into the fascinating world of core-satellite investing, exploring how you can effectively implement this strategy using the ...

112: The Gift Dilemma: What to Give and When

03 Jun 2025

Contributed by Lukas

Today, we're diving into the often tricky world of gifting etiquette. As weddings, birthdays, and holidays approach, dilemmas come up often leave...

111. 10 Signs You're Winning Financially

21 May 2025

Contributed by Lukas

Today, we’re shifting the narrative from financial worries to celebrating the wins that often go unnoticed. Inspired by a fantastic article from Mo...

110. "I Regret Buying a House"

13 May 2025

Contributed by Lukas

Today, we dive into a pressing issue that many Kiwis are grappling with: the reality of homeownership in New Zealand. If you purchased a house in the ...

Introducing Shares & ETFs | Kernel Update

29 Apr 2025

Contributed by Lukas

In this episode, we’re thrilled to share some exciting news from the Kernel team: the launch of Shares and ETFs! This new offering gives Kiwis the ...

109. Is the Stress Worth the Pay?

15 Apr 2025

Contributed by Lukas

In today’s episode, we dive into a pressing question: Is having a high-paying job truly worth it? While many might instinctively say yes, reality ca...

108. Navigating Market Turbulence: Tariffs, Volatility, and Staying the Course

08 Apr 2025

Contributed by Lukas

In this podcast episode, we're joined by Kernel Founder & CEO Dean Anderson to chat about the latest developments in the markets and how they...

107. Active vs. Passive: Are You Settling For Average?

01 Apr 2025

Contributed by Lukas

In the world of investing, the debate between active and passive strategies has been significant among many investors. While active investing involves...

106. How Does Tax Work When Investing In Kernel Funds?

25 Mar 2025

Contributed by Lukas

Tax is an unavoidable cost of investing, so ensuring you understand how it works can help you get the most out of your investments.In New Zealand, Por...

105. Trump & Investing: 5 Tips to Remember During Uncertain Times

25 Mar 2025

Contributed by Lukas

This week, we dive into investing during uncertain and volatile market conditions. With recent economic shifts driven by new policies and tariffs, ma...

Winning the Office Lottery, Personal Finance Journey & Paying off Student Loans | Money Moments w/ Joni

11 Mar 2025

Contributed by Lukas

In today's Money Moments episode, we're joined by our very own Joni from the Customer Success team. In this episode, Joni shares his experie...

104. Foundational Money Tips For Your 20s, 30s & Beyond

04 Mar 2025

Contributed by Lukas

In this episode we're diving into a topic that hits home for many—practical money tips for those in their 20s and 30s.This stage of life is oft...

Money Q&A: Pricing, Distributions, and Market Timing - Fund Units Explained

25 Feb 2025

Contributed by Lukas

In this episode, we are joined by Aaron, our Portfolio Analyst, to explain fund units and how they work. We cover important topics like swing pricing...

103. Money Tips During Lower(ing) Interest Rates

18 Feb 2025

Contributed by Lukas

In today's episode, Cat sits down with Dean Anderson, Founder and CE of Kernel, to chat about what the lowering of the Official Cash Rate (OCR) c...

Buying Her First Home, Living Your Rich Life & Starting a Business | Money Moments w/ Rebekah

11 Feb 2025

Contributed by Lukas

In today's Money Moments, we're joined by Rebekah, Head of Human Resources in Citta. In this episode, Rebekah shares her experience with mon...

102. Dividend Investing in NZ: Does it Work?

04 Feb 2025

Contributed by Lukas

In this episode, we have podcast director, Tim , in the hot seat alongside Kernel Founder and CE, Dean Anderson to explore why New Zealand has such a ...

Money Q&A: How Dividends Work & Moving Investment Platforms

28 Jan 2025

Contributed by Lukas

In today's episode, we're joined by Joni from our Customer Success team to tackle two common investment questions we frequently receive. Fro...

101. Why You Can't Save Your Way to Retirement

14 Jan 2025

Contributed by Lukas

Are Kiwis missing out by being savers rather than investors? In this episode, we explore whether our national tendency toward saving is helping or hur...

Building a Multi-Million Dollar Business, Salary Transparency & Property Choices | Money Moments w/ Stanley Henry

07 Jan 2025

Contributed by Lukas

Today, we’re back with a Money Moments episode - this time with Stanley Henry, Founder & CEO at The Attention Seeker, a global organic content a...

100. Navigating Kids Accounts: 5 Things Parents Need to Know

31 Dec 2024

Contributed by Lukas

Welcome back, lovely listeners, to another episode of It’s No Secret! Today, we’re diving into a rapid-fire chat about kids' accounts. Wheth...

Money Moments: Cat & Christine - 2024 End of Year Update

24 Dec 2024

Contributed by Lukas

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.This time, the real Kiwis are us!...

99. The Money-Mindset Connection: Why Your Thoughts Matter

17 Dec 2024

Contributed by Lukas

Can your mindset make you richer? Today we explore how your thought patterns influence your financial life, inspired by fascinating research showing p...

Money Q&A: Is the Global 100 Diversified?

10 Dec 2024

Contributed by Lukas

In this Q&A episode, we tackle a common concern about the Kernel Global 100 fund: concentration risk. With just 10 companies making up over 58% of...

98. How to Financially Thrive Throughout the Holidays

03 Dec 2024

Contributed by Lukas

The holiday season is here, and with it comes increased spending pressure. With recent Worldline data showing Kiwis spent $2.65 billion in just the fi...

97. City vs Rural: Where Should You Buy Your Home?

26 Nov 2024

Contributed by Lukas

Is the grass really greener (and cheaper) in the countryside? Today we're exploring the financial reality of city versus country living in New Z...

96. Which Insurances Do I Need? Part 2

22 Nov 2024

Contributed by Lukas

In this follow-up episode, we dive into how to calculate your ideal insurance coverage. We'll help you understand exactly how much protection you...

95. Which Insurances Do I Need? Part 1

19 Nov 2024

Contributed by Lukas

Today we're tackling a crucial but often overlooked topic: how to calculate your life insurance needs. With recent FSC research showing only 20%...

Being Poor But Driven, Open Banking and Embracing Individuality | Money Moments with PocketSmith CEO Jason Leong

12 Nov 2024

Contributed by Lukas

In this Money Moments episode we're joined by Jason Leong, CEO and Co-Founder of PocketSmith. From humble beginnings to leading a global fintech ...

94. How Much Do I Actually Need to Retire?

05 Nov 2024

Contributed by Lukas

How much money do you really need to retire? In this eye-opening episode, we break down the real numbers behind retirement planning in New Zealand. W...

93. How to Approach A Financial Break Up

29 Oct 2024

Contributed by Lukas

Today, we're discussing how to break up financially—not just with a significant other.Breakups are challenging, and they aren't limited to...

92. What Happens to My Investments When I Pass Away?

22 Oct 2024

Contributed by Lukas

In this episode, we tackle a crucial yet often-overlooked topic: what happens to your investments when you pass away? Understanding what happens to yo...

91. How to Diversify Your Investments

15 Oct 2024

Contributed by Lukas

In this episode, we revisit the concept of diversification in investing. Understanding how to spread your investments is important, especially in help...

90. Mortgages 101 | Part 2

11 Oct 2024

Contributed by Lukas

In the second part of our mortgage series, we dive deeper into the practical steps of purchasing your dream home. From assembling a reliable support t...

89. Mortgages 101 | Part 1

08 Oct 2024

Contributed by Lukas

In this 2 part episode, we'll be chatting about the step by step on how to buy a house. Whether you're a first-time buyer or a seasoned pro...

88. The Psychology of Index Investing

01 Oct 2024

Contributed by Lukas

In this episode, we're joined by an expert guest - Cam Irvine.Cam brings extensive experience from the financial services industry, having worked...

Airbnb Horror Story, Taylor Swift & FOMO | Money Moments with Cat & Christine

24 Sep 2024

Contributed by Lukas

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.In this episode, we’re back aga...

Ubering Gym Bags, Valuing Time & Investment Property | Money Moments With Ravi Chand

17 Sep 2024

Contributed by Lukas

In this week’s episode of Money Moments, we chat with Ravi Chand, Operations Manager at Lighthouse Financial. Ravi shares his money habits and the j...

Farming Sustainable Wool, Country Calendar & Growing a Business | Money Moments: Sophie Hurley, Founder of Honest Wolf

10 Sep 2024

Contributed by Lukas

Today, we’re back with another Money Moments episode, where we chat with real Kiwis about their experiences with money. In the hot seat today is Sop...

87. Alternatives to Investment Property

03 Sep 2024

Contributed by Lukas

In this week’s episode, we chat about something near and dear to many Kiwi investors—investment property!When it comes to investing, many Kiwis of...

5 Years of Kernel: Entrepreneurship Challenges and What’s Next? | Money Moments with Dean Anderson

27 Aug 2024

Contributed by Lukas

In this episode of Money Moments, Christine catches up with Dean Anderson, the founder and CE of Kernel.It’s been two years since Dean last appeared...

86. Is University Worth the Cost?

20 Aug 2024

Contributed by Lukas

Today, we dive into some of the costs of university education and weigh the pros and cons to help you make an informed decision. Please note: that th...

Money Q&A: Should I Borrow Money to Invest in a Business?

13 Aug 2024

Contributed by Lukas

Today we’re back with a Money Q&A - where we answer questions submitted by you, the lovely listeners of the pod.In this episode, we answer these...

85. What Happened in The Sharemarkets This Week?

09 Aug 2024

Contributed by Lukas

The last week (5-9th August 2024) has been a volatile time in international sharemarkets. As investors, it can be easy to read dramatic news headlines...

84. 5 Simple Actions To Take With Your Money

06 Aug 2024

Contributed by Lukas

This month is Money Month in New Zealand, an annual campaign by Sorted (Retirement Commission) to raise awareness about money, and help Kiwis improve ...

83. Active vs. Passive: What Drives Your Investment Style?

30 Jul 2024

Contributed by Lukas

In today's podcast episode, we’ll be chatting with you about the key drivers behind people choosing their investment style. The active vs pass...

Starting a Business in Your 20s, Investing in Your Health and Property | Money Moments: Elise Dalrymple-Keast

23 Jul 2024

Contributed by Lukas

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.In this episode, we're joine...

82: Money Guilt: Understanding and Overcoming It

16 Jul 2024

Contributed by Lukas

Feeling guilty about your spending habits? In this episode, we uncover the psychology behind money guilt and offer practical tips to manage it. But wh...

81. Money Tips To Get Through Tough Times

09 Jul 2024

Contributed by Lukas

Today we’re going to run through a few money tips to help get you through tough financial times. It’s a challenging time out there right now for m...

80. The Realities of Job Hunting in 2024

02 Jul 2024

Contributed by Lukas

Today we’re diving into the employment landscape. Whether you’re actively job hunting or just keeping an eye out, this episode has something for e...

79. Upcoming Tax Changes: What to Know

25 Jun 2024

Contributed by Lukas

Today we're diving into the latest tax changes announced in the 2024 Budget.We'll break down what these changes mean for you, focusing on th...

Money Q&A: Winning Lotto, Investing Overseas & More!

18 Jun 2024

Contributed by Lukas

In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel.This time, we'll b...

78. Public Schools VS Private Schools

11 Jun 2024

Contributed by Lukas

Today we’ll be chatting about whether private schools are “worth” the investment.We'll look at both the cost of sending your children to pr...

77. What is Relationship Property?

04 Jun 2024

Contributed by Lukas

Today we’re back to chat about all things relationship property.Relationship property can be a bit of a sticky subject, particularly if you are appr...

Money Moments: Cat & Christine - 2024 Mid Year Update

28 May 2024

Contributed by Lukas

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.This time, the real Kiwis are us!...

76. How do I Change my Investments as I Approach my Goal?

21 May 2024

Contributed by Lukas

Many of us have goals we're saving towards, whether for the short, medium, or long term.If your goal is in the medium term (3-5 years) or long te...

Money Moments: Colin Magee - Co Founder & CEO of Catalist Markets

14 May 2024

Contributed by Lukas

Today we're back with another Money Moments episode, where we chat to real Kiwis about money. In this episode, we are joined by Colin Magee, CEO ...

75. How KiwiSaver Works Behind the Scenes

07 May 2024

Contributed by Lukas

In today's podcast episode, we’ll be answering the question of - how does the KiwiSaver joining/transfer process work behind the scenes?While e...

74. Scams (A Sugar Daddy or A Scam?)

30 Apr 2024

Contributed by Lukas

In today's podcast episode, we’ll be chatting to you all about scams. Scams are a hot topic at the moment, just google ‘scams nz’ and look...

73. How Much Are You Spending On Your Health?

23 Apr 2024

Contributed by Lukas

In today's podcast episode, we’ll be chatting to you about whether or not you’re spending enough money to maintain your health.Whether your h...

Money Q&A: Compounding, Consistent Investing & Distributions

16 Apr 2024

Contributed by Lukas

In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from the Kernel inbox.This time, we...

72. Friends & Money: Does Money Affect Friendships?

09 Apr 2024

Contributed by Lukas

In today's podcast episode, we’ll be chatting about how people's differing money situations can affect friendships and ultimately behaviou...

Money Moments: Sarah Kelsey - The OneUp Project, Emergency Funds & Psychology of Money

02 Apr 2024

Contributed by Lukas

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.In this episode, we're joine...

71: Owning a Bach vs Yearly Holidays

26 Mar 2024

Contributed by Lukas

In today's podcast episode, we’ll be chatting about whether or not the Kiwi dream of owning a bach is all that is cracked up to be.Many Kiwis o...

Money Q&A: Taxes on Global vs NZ Shares, FIF and More

19 Mar 2024

Contributed by Lukas

In honour of our favourite time of the year - aka tax time - we thought we’d answer a few commonly asked questions.Specifically, we answer:How impor...

70. How to Help Your Children Be Smarter with Money

12 Mar 2024

Contributed by Lukas

Wondering how you can set up your children for financial success in the future? Then this podcast episode is for you!In this episode, we are joined by...

69. Emergency Funds 101

05 Mar 2024

Contributed by Lukas

In today's podcast episode, we’ll be revisiting the ever-important rainy day funds; more commonly known as emergency funds! While emergencies ...

Money Moments: Chanel Clark - Building a Career, Starting a Business & Mental Health

27 Feb 2024

Contributed by Lukas

Today we’re back with another Money Moments episode, where we chat to real Kiwis about their experience with money.In this episode, we’re joined b...

Money Q&A: Investing Lump Sums & Cost of Living Hacks

20 Feb 2024

Contributed by Lukas

In today's Q&A episode, we'll be answering DM's from the gram as well as a few customer queries from Kernel.This time, we'll b...

68. Valentine's Day Special - The Cost of Love

13 Feb 2024

Contributed by Lukas

In today's podcast episode, we’ll be talking about love and its costs. The cost of love sounds like it has a ‘negative connotation’ it does...

Money Moments: Jervis Koo - Travelling Asia, Redundancies and Work Life Integration

06 Feb 2024

Contributed by Lukas

Today we're back with another Money Moments episode, where we chat to real Kiwis about money. We’re back with our friend Jervis, for an update...

Money Q&A: Joining Finances, Job Loss & Retirement Cash

01 Feb 2024

Contributed by Lukas

In today's special podcast episode, we'll be answering many different questions that we often get in the DM's from the gram as well as ...

67. How to Crush Your 2024 Money Goals

30 Jan 2024

Contributed by Lukas

Looking to achieve your 2024 New Year resolutions?  Then this podcast episode is for you! We are almost in February the time New Year goals typically...

Money Moments: Jamie Jermain - Co-Founder & CEO of SquareOne

23 Jan 2024

Contributed by Lukas

Today we're back with another Money Moments episode, where we chat to real Kiwis about money. Today on the podcast, we are joined by Jamie Jerma...

66. When Should I Lock In My Losses?

16 Jan 2024

Contributed by Lukas

In today's podcast, we're chatting about when the "right time" is to sell your investments if they're in the red (hint: there...

Money Moments: Caitlyn Parker - Getting Out of Debt, Buying a First Home & Finding Her Career

09 Jan 2024

Contributed by Lukas

Aaaand we're back with another Money Moments episode featuring Caitlyn Parker.Caitlyn is a Customer Success Manager, a Wellingtonian (at heart) a...

65. Shares, Property, Cash: Where Do I Put My Money?

03 Jan 2024

Contributed by Lukas

In today's podcast episode, we’ll be chatting about where you can put your spare cash. From the Official Cash Rate (OCR) rising and halting to...

64. How The 100-Day Plan Can Affect You Financially

26 Dec 2023

Contributed by Lukas

In today's podcast episode, we’ll be chatting about another *potentially* spicy topic - politics! Well, not politics as in strong opinions. Ins...

63. Why Your House is For Living In, Not For Growing Wealth

19 Dec 2023

Contributed by Lukas

In today's podcast episode, we’ll be chatting about a very spicy topic, which is why your home is for living in and not for growing wealth.This...

62. How to Budget for a Wedding

12 Dec 2023

Contributed by Lukas

It's that time of the year – wedding season is in full swing!Whether you're riding the high of a recent engagement, knee-deep in your wedd...

Bonus Episode: How Cat & Luke *Almost* Lost $100,000 of their Australian Super

12 Dec 2023

Contributed by Lukas

In today's podcast, we have a snippet of an unaired episode that was too good not to share.In this bonus episode, Cat shares how her husband, Luk...

Money Moments: Cat & Christine - Living in The Now, Upsizing Houses & How Our Investments Are Tracking

12 Dec 2023

Contributed by Lukas

Hi friends! We're back after a wee break, just in time to get you through the Christmas break (and give you something to do when you’re fed up ...

Money Moments: Chelsea Traver, Founder & Investment Adviser at Evergreen Advice

22 Aug 2023

Contributed by Lukas

Today on the podcast we are joined by Chelsea Traver, Founder & Investment Adviser at Evergreen Advice.Chelsea brings over a decade of experience ...

61. 5 Common Money Myths

09 Aug 2023

Contributed by Lukas

What are the common money misconceptions you've heard before? In this episode, we're bunking a few that we believe don't always stand t...

60. Savings Accounts vs Cash Funds

26 Jun 2023

Contributed by Lukas

As Kiwis, we’re savers at heart. Generally speaking, we tend to rely on savings accounts to grow your short-term money. But are there investment fun...

59. How to Invest for Your Family

20 Jun 2023

Contributed by Lukas

Recently, Kernel hosted an event in collaboration with Lighthouse Financial, Haigh Lyon, and Edwards & Co. all about the exciting world of investi...

58. Which Personal Insurances Do I Need?

19 Jun 2023

Contributed by Lukas

On today’s podcast, we're back at it again with Insurance Specialist & Financial Adviser, Carley Ellis to dive into the financial side of a...

57. Hedging Your Financial Bets Against Death

12 Jun 2023

Contributed by Lukas

On today’s podcast, we're joined by Insurance Specialist & Financial Adviser Carley Ellis to dive into the financial side of death. As a t...

Money Moments: Daphne Van der Oord, Head of Australia & NZ at S&P Dow Jones Indices

05 Jun 2023

Contributed by Lukas

Today on the podcast we are joined by Daphne van der Oord, Head of Australia and New Zealand at S&P Dow Jones Indices.Daphne has an impressive car...

56. Should I DIY My KiwiSaver?

16 May 2023

Contributed by Lukas

You might've noticed that there is a new KiwiSaver provider on the block, this time offering a unique opportunity to DIY your KiwiSaver. On toda...

55. Our Favourite Money Moments of 2023

08 May 2023

Contributed by Lukas

After reflecting on our episodes this year so far, we wanted to pick out what we feel are our favourite moments so far. In this episode, we chat abou...

54. Navigating Your Career Through a Recession w/ Rosey Nathan, Recruitment Partner at Customise Talent

01 May 2023

Contributed by Lukas

Back by popular demand is our friend and Recruitment Partner, Rose-Marie (Rosey) Nathan, to chat about navigating your career through a recession. Wi...

Money Moments: Rachel Arcos - Careers in Engineering, Travelling & Managing Finances with a Partner

24 Apr 2023

Contributed by Lukas

In today's Money Moments episode, we're joined by Rachel Arcos, Automation Engineer, avid podcast listener, and big financial spreadsheet fa...

53. How Do I Get Ahead When Everything Feels So Darn Expensive?

17 Apr 2023

Contributed by Lukas

Whether we're in a recession or not, a lot of us will probably agree that our budgets are feeling a bit tighter lately, and you're not wrong...

Money Moments: Tim Rodriguez - Finding a Job as a Graduate, Choosing a Career & Budgeting as a Uni Student

11 Apr 2023

Contributed by Lukas

Helloooo and welcome to this episode of Money Moments, where we chat with real Kiwis about their experiences with money. Today, we've got Tim Rod...

Money Moments: Ryan Potter - Careers in Tech, Negotiating Salaries & Why Side Hustles Aren't Worth It

03 Apr 2023

Contributed by Lukas

In today's Money Moments episode, we're joined by Ryan Potter, friend, Senior Front End Developer, and all round good guy. We chat to Ryan ...

52. Part 2: Creating a Financial Plan

27 Mar 2023

Contributed by Lukas

Aaand we're back for part two of our creating a financial plan series with Lighthouse Financial. If you haven't listened to part one, stop ...

51. Part 1: Creating a Financial Plan

21 Mar 2023

Contributed by Lukas

Our podcast is all about having real, honest conversations about money. We believe that talking openly about our personal finances is the first step t...

50. The 101 of Index Investing with S&P Dow Jones Indices

14 Mar 2023

Contributed by Lukas

Today on the podcast Cat is joined by Tim Edwards, the Managing Director and Global Head of Index Investment Strategy at S&P Dow Jones Indices (S&...

49. 5 Timeless Money Lessons

07 Mar 2023

Contributed by Lukas

Hello and welcome to a super special episode of It's No Secret - why is it so special you may ask? It's because we have a few milestones tha...