NZ Everyday Investor
Episodes
Clive Thompson: Central Banks Are Stuck - Are You Prepared? Ep 521
03 May 2026
Contributed by Lukas
Special thanks to Clive Thompson for speaking with me - check out his children's book on www.clivethompson.comIn this conversation, Clive Thompson exp...
Hamish Patel / Will Central Banks LOSE Control Over Inflation? Ep 520
26 Apr 2026
Contributed by Lukas
Will central banks "look through" stagflation in 2026? In this quick update, we break down what stagflation really means right now and whether major c...
Darcy Ungaro / Will Agentic Finance Make Me Unemployed? Ep 519
19 Apr 2026
Contributed by Lukas
What’s your plan when AI comes for your job? As a financial adviser, I’m asking the same question. Social media is turning into your broker, token...
Trevor Topfer / NZ's BIG Digital Opportunity, Ep 518
12 Apr 2026
Contributed by Lukas
Trevor Topfer, from Blockchain New Zealand and Avatars Global, explores whether New Zealand risks missing the next boom in digital assets like tokeniz...
Paul Quickenden / Wild West Crypto Coming of Age, Ep 517
06 Apr 2026
Contributed by Lukas
Financial institutions like banks, nation states complete with their 'soft power' dynamics, and regulators, trying desperately to keep up. In the Wild...
Darcy Ungaro / Can 150 Year Old Philosophies Predict Stagflation? Ep 516
29 Mar 2026
Contributed by Lukas
In this one I pose the question - is it a given that NZ will head into...
Andrew Hunt / Predicting RBNZ Pivot From Oil Shock Ep 515
22 Mar 2026
Contributed by Lukas
Keen for a qualified opinion from an economist who isn't an employee of one of the main NZ banks. I am! I think it's critical to understand the REAL i...
Alan Clarke / Is THIS The Best Investment Strategy? Ep 514
15 Mar 2026
Contributed by Lukas
In this episode, host Alan Clarke: Portfolio Manager for Diversified Funds and External Managers at Amova Asset Management, explains the Manager of Ma...
Ryan Johnson-Hunt / How The USD Will Rule The World, With AI Ep 513
08 Mar 2026
Contributed by Lukas
You down with USD? Yeah you know me. Well, clearly not. My long term thesis is that this dies a death. Until this occurs however, USD denominated stab...
Darcy Ungaro / 3 Ways to Turbocharge KiwiSaver Ep 512
01 Mar 2026
Contributed by Lukas
This April, the government's increasing the minimum contributions by 0.5% for employees and 0.5% for employer contributions. Too little, too late? Ste...
Chris Wilson / Are Everyday Investors Exposed? Ep 511
22 Feb 2026
Contributed by Lukas
Chris Wilson, co-CEO of Harbor Asset Management, joins me as the spotlight goes on the narrative that bonds are dead going forward. Are institutional ...
OCR Special: Will a Higher OCR Crash NZ Property? Ep 510
18 Feb 2026
Contributed by Lukas
Will a higher OCR crash New Zealand property, or is that just what we need? In this episode we’ll unpack why bank economists are suddenly keen on fu...
Rupert Carlyon / Banks Suffocating NZ Economy? Ep 509
15 Feb 2026
Contributed by Lukas
The RBNZ’s OCR decision lands Wednesday, 18 February, and it's expected to hold at 2.25%. The deeper truth? Australian banks (ANZ, ASB, BNZ, Westpac...
Darcy Ungaro / Gold v Bitcoin in Monetary Reset Ep 508
08 Feb 2026
Contributed by Lukas
Will gold, or bitcoin, come out on top in a monetary reset?Given the volatility in precious metals, bitcoin, and AI stocks last week, it's a timely re...
Paul Holland / Crypto Holders At Risk Ep 507
01 Feb 2026
Contributed by Lukas
Crypto isn’t always the risk – we are. In this episode, I talk with Paul Holland about why everyday investors are losing billions to scams, how AI...
Darcy Ungaro / Hidden Risks of Retirement Income Ep 506
26 Jan 2026
Contributed by Lukas
Passive retirement income sounds like the holy grail, right? Imagine the money quietly rolling in while your capital sits there untouched – perfect!...
Darcy Ungaro / Bitcoin in a 'Normal' Portfolio? Ep 505
18 Jan 2026
Contributed by Lukas
In this one I'm a sharing recent episode from the Token Affairs podcast, the official BlockchainNZ podcast, hosted by Trevor and Bryan – two guys ri...
Lucia Xiao / Why I'm Bullish on NZ Property in '26 Ep 504
11 Jan 2026
Contributed by Lukas
Lucia Xiao is a self-made investor and property coach. After moving here from China she started off in a state home but went on to build a $17m portfo...
Nick Gentle / NZ Property in 2026 Ep 503
04 Jan 2026
Contributed by Lukas
With property, you either take the bull by the horns, or you get out of the ring before you’re carried out. In today’s episode, I’m joined by Ni...
Reuben Steff / 3 Global Hotspots to Watch in 2026, Ep 502
28 Dec 2025
Contributed by Lukas
THANK YOU FOR YOUR ATTENTION IN 2025!In 2026, three geopolitical hotspots matter most for Kiwis watching the world: Venezuela and US renewed /Monroe D...
Summer Hits 2025/26
24 Dec 2025
Contributed by Lukas
Bonus episode: Travelling this summer? Here's my gift to you. For over a year now I've occasionally been experimenting with Suno.com to create music, ...
Jack Gamble / CCP, Bank Failures, & Strawmen Ep 501
21 Dec 2025
Contributed by Lukas
Today's a unique episode and for those who love a good story, this one's for you.The failure of First National Bank of Lindsay as more than a small, l...
Darcy Ungaro / Silver: Is Now The Time To Buy? Ep 500!!!
14 Dec 2025
Contributed by Lukas
Woo-hoo! Just realised it's episode 500!Pretty sure it's tradition to celebrate with silver, so in this one, I take a closer look at this precious met...
John Alcock / When Banking Safety Goes Too Far, Ep 499
07 Dec 2025
Contributed by Lukas
Everyday, banks and governments justify new rules, checks, and blocks in the name of preventing fraud, money‑laundering, terrorism, and scams. It's ...
Jason Titman / The Future of Banking Ep 498
30 Nov 2025
Contributed by Lukas
Not a week goes buy where I don’t hear of the difficulties associated with buying digital assets like Bitcoin, from regulated institutions – all i...
Steve Orenstein / A New Listing on The NZX?! Ep 497
23 Nov 2025
Contributed by Lukas
Steve Orenstein is the founder of LOCATE Technologies, a publicly listed company that's relocating to NZ.This episode is a fascinating case study arou...
Darcy Ungaro / Are We Paying Too Much Tax? Ep 496
16 Nov 2025
Contributed by Lukas
Are we paying too much tax? "Yes", said all the people paying the vast majority of taxes in NZ. "No", said everyone else.Whether we think it's fair, o...
Rick Rule / Gold, Silver, and Uranium Ep 495
09 Nov 2025
Contributed by Lukas
Rick Rule, the most hated contrarian precious metals and resources expert talks to me on this one about 3 very odd ingredients in my own portfolio. We...
Vanessa Williams / Property Sentiment Just Changed Ep 494
02 Nov 2025
Contributed by Lukas
Vanessa Williams from realestate.co.nz shares a little about her own property journey, then comments on the shift currently happening in the property ...
Tim Doyle / The IRD Is Watching Your Wallet, Ep 493
26 Oct 2025
Contributed by Lukas
Are you tax-compliant with your crypto-holdings? Over 70% of Kiwi's aren't. I'm talking with Tim Doyle, of Doyle Accountants.Book in a free 15-min pho...
Kelvin Davidson / New Bank Rules to Juice NZ Property? Ep 492
19 Oct 2025
Contributed by Lukas
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You Swyftx: With over 1 million cus...
Darcy Ungaro / Why The OCR Goes MUCH Lower, Ep 491
12 Oct 2025
Contributed by Lukas
The Official Cash Rate (OCR), which influences the floating mortgage rate, and short term fixed-rates, dropped last week. Everyone has a view around w...
Darcy Ungaro / Why Gold's Going Crazy?! Ep 490
05 Oct 2025
Contributed by Lukas
Watch YouTube version here.Diversification, or placing your money in more than one type of investment, needs to be applied more broadly. Spreading you...
Tony Walker / Beat The Bank, DIY Retirement. Ep 489
28 Sep 2025
Contributed by Lukas
Ex-Financial Adviser Tony Walker joins me on this one.Here's 4 things you’ll need to keep front of mind if you’re planning to, or you already are,...
Zac Townsend / Bitcoin Life Insurance? Ep 488
21 Sep 2025
Contributed by Lukas
Special thanks to Zac Townsend from Meanwhile, for joining me to unpack how life insurance works, when the money changes. Book in a free 15-min phone...
Jack Revill & Carl Burling / What Makes Commercial Property Better, Ep 487
14 Sep 2025
Contributed by Lukas
In 2021, the combination of spiking interest rates, differential tax treatment, new RBNZ regulations, and the CCCFA, put and end to the residential pr...
John Kenel / Thriving, While The West Fails Ep 486
07 Sep 2025
Contributed by Lukas
Big thanks to property expert John Kenel.Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!...
Michael Every / Why The Death Of Free Trade Matters Ep 485
31 Aug 2025
Contributed by Lukas
My guest on this one is Michael Every, Global Macro Strategist with Rabobank.We're no better conditioned than dogs waiting for a bell to ring. Bad stu...
Peter Dunworth / Wealth Tax, Strategy, Bump and Grind, Ep 484
24 Aug 2025
Contributed by Lukas
Learn more about Loan My Coins.* For multi-signature wallets, check out The Bitcoin Adviser.*Book in a free 15-min phone call with Darcy Ungaro (finan...
Charlie Meadon / Soros, Reflexivity, Interest Rates & Strategy Ep 483
17 Aug 2025
Contributed by Lukas
Markets create reality through our collective expectations and actions. It's a self-fulfilling prophecy fed by mass-psychosis. Read more.Special thank...
G. Edward Griffin / The Jekyll Island Rebellion, Ep 482
10 Aug 2025
Contributed by Lukas
G. Edward Griffin is the author of The Creature From Jekyll Island. If you ever wanted a deeper understanding on the origin and aims of the US Federal...
John Alcock / "We Are In World War III" Ep 481
03 Aug 2025
Contributed by Lukas
Recording date: 18th of July 2025The question of whether Bitcoin is fueling a political revolution is something I’ve been chewing on for a while. I ...
Luke Kemeys / Paths To Business Wealth, Ep 480
27 Jul 2025
Contributed by Lukas
Can genuine, transformational wealth still come from work hard and focus? With record amounts of cash sitting idle in bank accounts and property marke...
John Alcock / NZ's First Bitcoin Property Transaction, Ep 479
20 Jul 2025
Contributed by Lukas
Sometimes the future doesn’t tap politely. It knocks, and while the instinct is to keep the door bolted, at some stage we need to do better. That’...
Darcy Ungaro / Where To Invest, If NOT Property? Ep 478
13 Jul 2025
Contributed by Lukas
It’s a dwelling, but it’s an asset class too - People buy property to live in it, and to grow their wealth in it. Since the early 1970’s, proper...
Mary Jo Vergara / How NZ Property Prices Lead The World. Ep 477
06 Jul 2025
Contributed by Lukas
New Zealand was one of the first economies where the central bank hiked interest rates. Being first, I wonder if that means other countries watch us t...
Catherine Emerson / Better Get Rich, Kids. Ep 476
29 Jun 2025
Contributed by Lukas
the art of investing is balancing growth and protection, for both you and your kids. Read more.Book in a free 15-min phone call with Darcy Ungaro (fin...
Francis Hunt / Global Debt Meltdown? Ep 475
22 Jun 2025
Contributed by Lukas
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Thank You Provincia: Whether you're looki...
Darcy Ungaro / 2 Ways 2 Grow Obscene Wealth, Ep 474
15 Jun 2025
Contributed by Lukas
I believe the core ingredient in any wealth building strategy is the acquisition of just a few assets. As we acquire assets, we need to start thinking...
Darcy Ungaro / The Inevitability of Investment Returns, Ep 473
08 Jun 2025
Contributed by Lukas
Recently, I attended a conference which centered on what I suspect will be the future of money in a more digital world. One of the best presentations ...
Mike Grimshaw / Has NZ Lost Its Way? Ep 472
01 Jun 2025
Contributed by Lukas
Has New Zealand lost its way? If so, the only path forward is to honestly acknowledge what we once were, understand how and why we’ve changed, and t...
Ashley Church / RIP NZ Property Market? Ep 471
25 May 2025
Contributed by Lukas
In a perfect world, housing would be for lifestyle, and investments for long term planning - regardless, we live in an imperfect world. The real quest...
Paul Quickenden / Neo-Mercantilism: This IS Happening, Ep 470
18 May 2025
Contributed by Lukas
From neoliberal globalization to neo-mercantilism – This is happening, and it might not be a simple transition. Why? Because the digital transf...
Cody Ellingham / Bitcoin Over $100k...Again! Ep 469
11 May 2025
Contributed by Lukas
For everyday people struggling to get ahead in a system that feels rigged, the path to financial security does not in fact, come from gettin...
Carl Burling & Jack Revill / Break Into Commercial: Investors Playbook, Ep 468
04 May 2025
Contributed by Lukas
Decades of punchdrunk capital gains now yield to occasional night terrors of leaky taps and flooded basements. Sure, it’s most likely the cyclical b...
Andy Schectman / Gold SCREAMING Currency Reset, Ep 467
27 Apr 2025
Contributed by Lukas
The price per ounce of gold hit $3,500 recently – up over 30% now this year alone. Why is gold pumping so hard? Read more. Andy Schectman is the CEO...
Banks: Just a Cozy Oligopoly? Jeff Royle and David Hart, Ep 466
21 Apr 2025
Contributed by Lukas
Show me where in the wallet the salesman touched you.These three groups have the ability to influence your wealth significantly, but they all hold sec...
Rupert Carlyon / Will Wall Street Crash Main Street? Ep 465
13 Apr 2025
Contributed by Lukas
Trump tariffs are not the only thing going on in the world right now, and the fact that it’s occupying the imagination of a lot of people globally r...
Gary Savage / Can Gold Save Us From This? Ep 464
06 Apr 2025
Contributed by Lukas
Sounds a bit woo-woo saying it, but this is my strategy. It’s why I doubled down on leveraged residential property in 2015, Bitcoin&n...
Lawrence Lepard / The Big Print: It's NOT Transitory, Ep 463
30 Mar 2025
Contributed by Lukas
Fees, taxes, and inflation—nothing robs your investment account more than this evil threesome. With fees, if you’re not getting value, you can mov...
Robbie Paul / Recession-Proof Investment Strategy? Ep 462
23 Mar 2025
Contributed by Lukas
Early-stage investing is putting money into new companies with big ideas but not a lot of history. If they make it, even a small investment can yield ...
Tom Deacon / Will Trump's Tariffs Kill The Markets? Ep 461
16 Mar 2025
Contributed by Lukas
Tom Deacon is a senior investment analyst at Mint Asset Management, who focuses on stock research for New Zealand and Australian-listed companies in t...
Michael Reddell / Why Did Orr Resign? Ep 460
09 Mar 2025
Contributed by Lukas
Check out YouTube version here, or read an article about this chat here.Michael Reddell is a former senior official at the Reserve Bank of New Zealand...
Ben Brinkerhoff / The 7-Question Retirement Strategy, Ep 459
02 Mar 2025
Contributed by Lukas
Recent research shows the average New Zealander spends about $3k per month in retirement, on top of government superannuation.The question we should c...
Darcy Ungaro / Volatility Is NOT Risk, Ep 458
23 Feb 2025
Contributed by Lukas
No one wants to be blamed if you lose money. The backside-covering of risk ‘disclosures’ shifts the focus to side effects rather than the cur...
Rowan Simpson / From Wrong, To Rich. Ep 457
16 Feb 2025
Contributed by Lukas
Rowan Simpson has been, and continues to be instrumental in the success of several high-growth technology businesses in NZ, including Trade Me, Xero, ...
Lightning Pay NZ / How WE Become The Bank, Ep 456
09 Feb 2025
Contributed by Lukas
Special thanks to Dr. Simon Collins, Brandon Bucher, and Rob Clarkson. They are all co-founders of Web3NZ's 2024 Startup of the Year Lightning Pay NZ....
Alasdair Macleod / Credit Crisis in 2025, Ep 455
02 Feb 2025
Contributed by Lukas
In WW2 we discovered if you control the world, you get to control the money. In 1971 we learnt that that as long as the majority had a fear of violenc...
Sarah Wood / NZ Property: Is 2025 The Year of The Rebound? Ep 454
27 Jan 2025
Contributed by Lukas
Book in a free 15-min phone call with Darcy Ungaro (financial adviser).Sign up to the fortnightly newsletter!Brought to you in partnership with: Ic...
Darcy Ungaro / Generational Wealth: Where To Start, Ep 453
19 Jan 2025
Contributed by Lukas
According to some research known as the Williams Group Study, 3,250 families were observed over 25 years: 70% of family wealth was lost by the second ...
Darcy Ungaro / Mindset: When Money Becomes Master, Ep 452
12 Jan 2025
Contributed by Lukas
Maintaining a healthy relationship with money requires ongoing self-reflection and 'adjustment'. Put another way, wealth isn't found in the accumulati...
Darcy Ungaro / Is Balance Better Than Diversification? Ep 451
06 Jan 2025
Contributed by Lukas
When you're trading your time for money, concentrating your investments can make sense. But come retirement, diversification helps manage the risk of ...
Rajat Soni / How To Beat Currency Debasement, Ep 450
29 Dec 2024
Contributed by Lukas
Special thank you to Rajat Soni - if you like his style, be sure to check out @rajatsonifinance on YouTube.Having an allocation to Bitcoin, or at leas...
Daniel Batten / Bitcoin: It's Time For The Truth, Ep 449
22 Dec 2024
Contributed by Lukas
I prefer Colonel Mustard, in the Conservatory, with the Candlestick. over the most obvious shadowy superpowers of centralised authority most likely to...
Mike Taylor / Where to Invest in '25, Ep 448
15 Dec 2024
Contributed by Lukas
Today's guest is Mike Taylor, CIO and founder of PIE Funds. No one can guarantee an investment return because no one controls the market. You can show...
Peter Dunworth / Bitcoin: This Goes Much, MUCH Higher, Ep 447
08 Dec 2024
Contributed by Lukas
In the sacrosanct communion of frugality and dollar cost averaging, low-cost index funds are transubstantiated into the omnipotent force of compoundin...
Mike Jones / Soft Landing for Christmas?! Ep 446
01 Dec 2024
Contributed by Lukas
Thou Shalt Not Sweat the Technique, Nor Disregard NuanceThe property market is a bit of a complex beast, but interest rates are [arguably] the primary...
Bevan Graham / But Will They KEEP Dropping? Ep 445
24 Nov 2024
Contributed by Lukas
It’s not easy to understand all the views, but macro economics, geopolitical issues, cyclical and secular trends are the items we can’t control, b...
Sarn Elliot / Bitcoin: Are You Ready For This? Ep 444
17 Nov 2024
Contributed by Lukas
Sarn Elliot, crypto consultant, is my special guest today and we're talking about how to 'be your own bank'.If you’re not yet into Bitcoin and you’...
Upgrading Homes In A Down Market, Ep 443 Matt Schticks
10 Nov 2024
Contributed by Lukas
Today it’s about buying your first home, and your next home– my guest today followed, or is following, a really simple strategy: When it's down, i...
Big Tech, Big Government, & Big Central Banks, Ep 442 Ananish Chaudhuri
03 Nov 2024
Contributed by Lukas
If you've reached the midpoint of your investment journey , or thereabouts, you know – it’s about risk management more than just number go up. Rea...
US Election: Should You Sell Up? Ep 441 Darcy Ungaro
28 Oct 2024
Contributed by Lukas
When you come from nothing, the only sure-fire way to catch up to where you need to be, is to work harder than everyone else, and use leverage. If you...
RBNZ: The Power To Change Our Money, Ep 440 Ian Woolford
20 Oct 2024
Contributed by Lukas
Today, I’m grateful to be speaking with Ian Woolford, the head of money and cash at the Reserve Bank of NZ.Central Bank Digital Currency, branded as...
Consultants, Central Banks, & Money, Ep 439 / Jodie Bruning
13 Oct 2024
Contributed by Lukas
We’re so optimised for facts, that we’ve forgotten about meaning. The inability to hold a contrarian view may blindness, or extremist views like ...
It's About "The Money" Ep 438 / Mikey Smith
06 Oct 2024
Contributed by Lukas
Today, I’m talking with fellow financial adviser and CEO of Guardian Smith Mortgages, and co-host of the Keep The Change podcast - Mikey Smith. We’...
A Property Boom, Interrupted? Ep 437 / Kieran Trass
29 Sep 2024
Contributed by Lukas
Lettuce hands need not apply. There's no need to quibble about the exact length of a property cycle. What's relevant, is that the property cycle is sl...
Property Development: The More Active Approach, Ep 436 / John Kenel
22 Sep 2024
Contributed by Lukas
Property development can take many forms, such as subdivisions, renovations, and speculative building. While I have much to learn in this space, I inv...
Financial Adviser: The Inside Story, Ep 435 / Tony Walker
15 Sep 2024
Contributed by Lukas
A cynical take on the financial services industry is understandable. There's nothing like an obvious financial benefit in the form of a commission or ...
Don't Invest 'Just Because', Ep 434 / Royden Shotter
08 Sep 2024
Contributed by Lukas
Paradoxically, the pursuit of pleasure or chasing comfort can itself can provide a type of meaning, though deep down, we know we're not meant for perp...
Home Equity Retirement, Ep 433 / Ralph Stewart
01 Sep 2024
Contributed by Lukas
Today I’m speaking with the one and only Ralph Stewart. Ralph is the Founder and Managing Director of Lifetime Retirement Income, a business with ov...
Self-Paying Mortgages & Engineered Money, Ep 432 / CJ Konstantinos
25 Aug 2024
Contributed by Lukas
I know that I can’t predict the future, but I can see something coming to how our money works. A lot of people can. The signs are getting pretty obv...
Property: Is The Fuse Now Lit? Ep 431 / Nolan Matthias
18 Aug 2024
Contributed by Lukas
The recent drop in the official cash rate (OCR) by 0.25% has sparked a flurry of speculation about the future of the property market. Those hanging on...
The REAL Values-Based Investment Strategy, Ep 430 / Hayden Brown
11 Aug 2024
Contributed by Lukas
It’s not about the tools; it’s about the person using them. You’re the tool. What’s the point of obsessing over the best investments...
The Power Of People's Money, Ep 429 / Louise Macfarlane
04 Aug 2024
Contributed by Lukas
As usual, there are only two types of people in the world.1 – Those who blindly trust governments and most centralised systems: They find it easy to...
Thinking Your Way To Riches, Ep 428 / Hayden Brown
28 Jul 2024
Contributed by Lukas
I've observed many different drivers for wealth: some are running from poverty, others are driven by greed, seeking comfort, or fulfilling a purpose. ...
NZ Super Fund: Performance, Strategy, and Bitcoin? Ep 427 / Rishab Sethi
21 Jul 2024
Contributed by Lukas
The New Zealand government invests through the NZ Super Fund to ensure it can maintain Superannuation payments over the long term. By using a growth s...
The Best Time For Commercial Property? Ep 426 / Scott O'Neill and Dylan Menzies
14 Jul 2024
Contributed by Lukas
Today I’m talking with Scott O’Neill and Dylan Menzies from Rethink Investing. Direct commercial property isn’t a common asset type in many ever...
Foreign Exchange Risks 2024, Ep 425 / Roger Kerr
07 Jul 2024
Contributed by Lukas
When you're trading money for investments, there are many factors that determine the level of resource you'll be able to draw out. The value of your c...
The Doing & Making Strategy, Ep 424 / Brian Henry
30 Jun 2024
Contributed by Lukas
For some, consistent investing through a retirement fund or buying shares directly is easy. For many more, there's a bit of work involved in mustering...
Another ETF slipped past the goalie? Ep 423 / Paul Quickenden
23 Jun 2024
Contributed by Lukas
YouTube version: https://youtu.be/Od8a-7dgat4Do your own research, but if you're ready to go with crypto, help support the podcast by using the follow...