Your Money With Mary Holm

Mary responds to your feedback

20 Nov 2025

Contributed by Lukas

It's time to talk about your money, personal finance whizz Mary Holm joins Jesse and today she's going to address some of your feedback. Focusing on h...

Debt and diversification with Mary Holm

06 Nov 2025

Contributed by Lukas

Mary Holm joins Jesse to share her top ten money tips and tricks. Today the focus is on debt and diversification. Go to this episode on rnz.co.nz fo...

Mary's top ten money tips - first five are here!

23 Oct 2025

Contributed by Lukas

Mary Holm shares her top ten money tips - starting with these five. Go to this episode on rnz.co.nz for more details

Ten years of tips and tricks - what stuck with you?

09 Oct 2025

Contributed by Lukas

It's time to talk money with Mary Holm, which is something Mary and Jesse have been doing for ten years this month. To mark that anniversary Mary aske...

Funds - High Performing or Low Fee?

25 Sep 2025

Contributed by Lukas

Why Mary says it's best to choose low fee funds over high performing ones. Go to this episode on rnz.co.nz for more details

Your Money with Mary Holm: Tips to buying property

10 Sep 2025

Contributed by Lukas

It's time to talk money with Mary Holm, and this episode she shares tips on buying a house or an apartment, plus answers some listener questions. Go t...

Are you a financial failure if you don't own your own home?

08 Sep 2025

Contributed by Lukas

It's time to talk money matters with Mary Holm and today we're going to focus on an issue many New Zealanders are grappling with; are you a financial ...

Why everyone should have an emergency savings fund

14 Aug 2025

Contributed by Lukas

Mary Holm is on Afternoons with Jesse Mulligan which means it's time to talk money matters. This week Mary and Jess talk about emergency money. Accord...

Are New Zealanders getting insurance all wrong?

01 Aug 2025

Contributed by Lukas

Mary Holm talks about insurance - and whether we are insuring the right things at the right time. Go to this episode on rnz.co.nz for more details

Find out why your KiwiSaver statement is a must read!

17 Jul 2025

Contributed by Lukas

It's that time of the year when your KiwiSaver annual statement comes out. Mary Holm explains why you should read it!Go to this episode on rnz.co.nz...

Does the Government help or hinder KiwiSaver?

03 Jul 2025

Contributed by Lukas

Find out how respective Governments have helped or hindered KiwiSaver. Mary explains how over the years most government changes to KiwiSaver have mad...

Tips and tricks to managing debt

19 Jun 2025

Contributed by Lukas

Mary Holm joins Jesse to talk about how to manage debt.Go to this episode on rnz.co.nz for more details

Financial Quiz with Mary Holm

05 Jun 2025

Contributed by Lukas

How well do you know your money matters? Mary Holm has a quiz to put your financial knowledge to the test.Go to this episode on rnz.co.nz for more det...

Mary's Financial Knowledge Quiz

05 Jun 2025

Contributed by Lukas

This week, a quiz to test your financial literacy. How many questions can you get right?Go to this episode on rnz.co.nz for more details

How will KiwiSaver changes in the Budget affect you?

22 May 2025

Contributed by Lukas

The 2025 Budget has just been released, Mary Holm gives her first impressions focusing on the changes to KiwiSaver. Go to this episode on rnz.co.nz fo...

Budget 2025 changes to Kiwsaver

22 May 2025

Contributed by Lukas

Mary Holm talks to Jesse about the Government's changes to KiwiSaver in today's Budget.Go to this episode on rnz.co.nz for more details

Will Government change its KiwiSaver contributions? If so, how should it do it?

08 May 2025

Contributed by Lukas

Let's talk about Your Money and that means Mary Holm is in the studio. So will the Government change its KiwiSaver contributions - and if so, how sh...

Potential changes to KiwiSaver and what it means for you

08 May 2025

Contributed by Lukas

A listener asks: will the Government change its KiwiSaver contributions - and if so, how should it do it? Finance Minister Nicola Willis is not ruli...

The wisdom of our listeners!

24 Apr 2025

Contributed by Lukas

Today Mary accesses the wisdom of the crowd! Recently she asked Afternoons listeners to write in with the best financial decision they ever made. We g...

Turbulent Markets and how to navigate them

10 Apr 2025

Contributed by Lukas

Mary Holm discusses the recent global market downturn and uncertainty caused by economic policy decisions. Mary also looks at a new Mindful Money a...

Getting wise with your mortgage

27 Mar 2025

Contributed by Lukas

In this episode Mary looks at ways to get wise with your mortgage including repayment advice and explainers on all the different types of mortgages.Go...

Keep contributing to KiwiSaver through thick and thin.

13 Mar 2025

Contributed by Lukas

Today Mary looks at KiwiSaver and answer a listener's question about the current economic climate and how one should manage their KiwiSaver.Go to this...

The 3 most important things to do with your Kiwiwsaver

27 Feb 2025

Contributed by Lukas

Very quickly, here's Mary's top three tips: 1. Join. And keep contributing. 2. Use a higher-risk fund – usually. 3. Choose a low-fee fund.Go to thi...

A bit of bitcoin?

13 Feb 2025

Contributed by Lukas

Money expert Mary Holm discusses the recent developments in bitcoin.Go to this episode on rnz.co.nz for more details

The Kiwisaver fund you should have invested in two years ago

30 Jan 2025

Contributed by Lukas

Money expert Mary Holm looks at the benefits of going offshore with your KiwiSaver share investments versus keeping them solely in NZ based shares.Go ...

Are we celebrating Christmas the best way?

18 Dec 2024

Contributed by Lukas

This week Mary asks: are we celebrating Christmas the best way? Mary has tips on how not to break the bank this Christmas. She also has a list of some...

What happens to your KiwiSaver if your relationship ends?

27 Nov 2024

Contributed by Lukas

3 out of 4 people breaking up don't realise the law says you must take your Kiwisaver into account in a relationship property split. Mary discusses ...

How men invest

13 Nov 2024

Contributed by Lukas

Mary has talked about women investing on International Women's Day, but how about the blokes? Men are open to taking risks in investing, more than wom...

The big new changes in KiwiSaver

31 Oct 2024

Contributed by Lukas

The FMA recently published its annual KiwiSaver report for the year and there were some big changes recorded. Some of those changes were very good. M...

Banking in tough times – how are we doing?

16 Oct 2024

Contributed by Lukas

News from the New Zealand Banking Association suggest less bank customers applied for hardship status. Mary picks through the data to see what that su...

High-risk KiwiSaver funds - the hows and whys

03 Oct 2024

Contributed by Lukas

Mary explains why high-risk KiwiSaver funds are at least worth considering as a good investment. Go to this episode on rnz.co.nz for more details

How is your financial wellbeing?

19 Sep 2024

Contributed by Lukas

Te Ara Ahunga Ora Retirement Commission has created a quiz for organisations working on improving financial capability. This doesn't test financial kn...

Sky high rates

05 Sep 2024

Contributed by Lukas

Have your rates gone sky high? The Mistress of Money Mary Holm says it might be time for a rates postponement.Go to this episode on rnz.co.nz for more...

Interest Rate Cuts

22 Aug 2024

Contributed by Lukas

The magical Mary talks about the current wave of interest rate cuts and how you can use them to make big progress with your mortgage.Go to this episod...

Index Funds and ETFs

08 Aug 2024

Contributed by Lukas

This week Mary explains index funds and ETFs; what are they and why you look at them for somewhere to invest.Go to this episode on rnz.co.nz for more ...

What to do with your tax cut

25 Jul 2024

Contributed by Lukas

With tax cuts looming Mary has some words of advice for what to do with that extra take-home money.Go to this episode on rnz.co.nz for more details

Tax Bracket Creep

11 Jul 2024

Contributed by Lukas

Today Mary talks to Jesse about how the tax bracket creep 'robs' us. She explains the government's new tax cuts take effect from July 31 are a start t...

Checking KiwiSaver Annual Statements

27 Jun 2024

Contributed by Lukas

Today Mary Holm talks to Mark about all things KiwiSaver and why it's important to look at your annual KiwiSaver statements.Go to this episode on rnz....

The Loss of the KiwiSaver First Home Buyer Grant

30 May 2024

Contributed by Lukas

Today Mary talks about first home buying following the loss of the Kiwisaver first home buyer grant. She has some tips about using Kiwisaver to buy a ...

Retirement Commission Conference

16 May 2024

Contributed by Lukas

This week Mary talks about a recent conference run by the Retirement Commission - Te Ara Ahunga Ora. It was all about planning next steps in their Nat...

The cost of not giving to KiwiSaver

02 May 2024

Contributed by Lukas

Today Mary talks to Jesse about the reality for a number of people balancing their finances and suspending their payments. Today Mary talks to Jesse a...

How KiwiSaver can help kids

18 Apr 2024

Contributed by Lukas

Today Mary Holm talks to Jesse about some important points of Kiwisaver for children and the difference it can make for them later on in life whether ...

Number quick tricks

04 Apr 2024

Contributed by Lukas

Today Mary talks to Jesse about some quick tricks with numbers to help with Kiwisaver and almost any investing. She runs through what the "Rule of 72 ...

KiwiSaver's great year

21 Mar 2024

Contributed by Lukas

Today Mary Holm talks to Jesse about the great year Kiwisaver funds have just had.Today Mary Holm talks to Jesse about the great year Kiwisaver has ju...

Women and Money

07 Mar 2024

Contributed by Lukas

Today Mary's focusing on women and money ahead of International Women's Day tomorrow. She has facts and figures on women's finances and found that wom...

Financial Knowledge

22 Feb 2024

Contributed by Lukas

Today Mary talks to Mark about people's financial knowledge and some of the reasons people are choosing not to be part of the KiwiSaver scheme. Go to ...

The Mindful Money Charity

08 Feb 2024

Contributed by Lukas

KiwiSaver funds are moving away from investing in harmful products, the charity Mindful Money revealed last week. Their website is a good place to che...

Bank term deposits

25 Jan 2024

Contributed by Lukas

Today Mary talks to Jesse about bank term deposits, the rates and the risks. Go to this episode on rnz.co.nz for more details

The big financial issues of 2023

21 Dec 2023

Contributed by Lukas

Today Mary Holm wraps up the big financial issues that have been around in 2023. Go to this episode on rnz.co.nz for more details

Repaying your debt

07 Dec 2023

Contributed by Lukas

Today Mary talks to Jesse about repaying debt and why wealth is a bit like a tank full of water. She's also urging people to avoid running up high-int...

Which are the best and worst KiwiSaver providers?

23 Nov 2023

Contributed by Lukas

Today Mary talks to Jesse about which Kiwisaver providers are the best - and worst - at offering various services to their members. She also looks at ...

Investing in shares in Aoteroa and overseas

09 Nov 2023

Contributed by Lukas

Today Mary has a close look at investing in shares both in Aotearoa and overseas. She's collated some interesting numbers about how the different stoc...

Getting smarter on KiwiSaver choices

26 Oct 2023

Contributed by Lukas

This week Mary talks to Jesse about getting smarter with KiwiSaver choices and overall trends for funds.This week Mary talk to Jesse about getting sma...

Pros and cons of casual and regular investing

12 Oct 2023

Contributed by Lukas

This week Mary Holm is back to talk about the pros and cons of being either a regular or casual investor. Go to this episode on rnz.co.nz for more det...

Ways to boost your savings

09 Oct 2023

Contributed by Lukas

This week Mary Holm is back to talk about ways to boost your savings. It's insights she included in her book Rich Enough. She recommends setting goals...

How much insurance should you have?

14 Sep 2023

Contributed by Lukas

Today Mary talks to Jesse about how much insurance we should have, especially with premiums on the rise at the same time there appears to be more clim...

Are house prices still to high?

31 Aug 2023

Contributed by Lukas

Today Mary talks to Jesse about whether house prices are still too high and that buyers may have to adjust their expectations. Go to this episode on r...

Paying your rates

17 Aug 2023

Contributed by Lukas

Today Mary Holm looks at options for people who are struggling to pay the never ending increasing rates bills. She explains there are rebates for peop...

KiwiSaver or term deposits

03 Aug 2023

Contributed by Lukas

Today Mary talks to Jesse about a question sent in by a listener who is over 65 on what to do with money they don't need to access right now. Mary tal...

Your options with mortgage repayments

20 Jul 2023

Contributed by Lukas

Today Mary talks about options with mortgage repayments and options when you need to renew at a higher interest rate. Go to this episode on rnz.co.nz ...

Important information in your annual KiwiSaver statement

06 Jul 2023

Contributed by Lukas

Today Mary talks to Jesse about important information in your annual KiwiSaver statement and how to improve it next time.Today Mary talks to Jesse abo...

It's ok to be a long-term renter

22 Jun 2023

Contributed by Lukas

Today Mary talks to Jesse about how it's OK to give up on ever owning a home and how it can work to be a long-term renter. Go to this episode on rnz.c...

Children and KiwiSaver

09 Jun 2023

Contributed by Lukas

Today Mary talks to Jesse about children and Kiwisaver a way to get them started early and potentially set up with a 33 thousand dollar home deposit b...

KiwiSaver help for new parents

25 May 2023

Contributed by Lukas

Today Mary talks to Jesse about the Kiwisaver positive results for the first quarter of 2023. There's also new Kiwisaver help for new parents. Go to t...

'Laddering' your term deposits and mortgages

11 May 2023

Contributed by Lukas

This week Mary Holm talks to Jesse about 'laddering' a clever way with term deposits and even mortgages. She explains exactly what it is and how it ca...

The importance of 'emergency money'

27 Apr 2023

Contributed by Lukas

Today Mary talks about the importance of 'emergency money'. A recent Financial Services Council survey found that 39% of New Zealanders don't have acc...

How to complain about a financial service in NZ

13 Apr 2023

Contributed by Lukas

Today Mary Holm speaks to Charlotte Ryan about how to complain about any financial service in NZ. Research from the FMA shows that only a third of New...

Fraud Film Festival

30 Mar 2023

Contributed by Lukas

Today Mary talks to Jesse about what she's learnt from the Fraud Film Festival. The festival has been on a the the Q Theatre in Auckland and Mary is t...

Unusual KiwiSaver investments

16 Mar 2023

Contributed by Lukas

Today Mary talks about unusual KiwiSaver investments. Go to this episode on rnz.co.nz for more details

Are KiwiSaver default members getting a bad deal?

02 Mar 2023

Contributed by Lukas

Today Mary talks about why KiwiSaver default members are getting a bad deal, and problems with benchmarks for all KiwiSaver funds. Today Mary talks...

Auckland floods

16 Feb 2023

Contributed by Lukas

Today Mary Holm talks to Jesse about a harrowing few days being trapped in Piha while visiting friends. She's manage to leave the flood hit suburb, bu...

Positive financial issues

02 Feb 2023

Contributed by Lukas

For her first chat of 2023 with Jesse, Mary Holm talks about some positive financial issues. She has a list of spending that makes people happy, inclu...

The worrying state of finances for over 65's

15 Dec 2022

Contributed by Lukas

This week Mary talks to Jesse about the worrying state of the finances for the over 65 age group in New Zealand. She's been looking at the latest data...

Your Money with Mary Holm

01 Dec 2022

Contributed by Lukas

Today Mary talks to Jesse about the emails she received from people explaining who they would gift one of her two books to! Go to this episode on rnz....

Three types of "clever" mortgages

17 Nov 2022

Contributed by Lukas

Today Mary talks about three types of mortgages she's describing as clever. Today Mary talks about 3 types of mortgages she's describing as cleve...

Which funds are the best at different life stages

03 Nov 2022

Contributed by Lukas

Today Mary Holm talks to Jesse about which funds, in and out of Kiwisaver, are best at different life stages. She says it's less about age than it is ...

Should you fix your mortgage right now?

20 Oct 2022

Contributed by Lukas

Today Mary talks to Jesse about mortgages and whether or not you should be fixing them while there's such volatility with interest rates. She also dis...

Financial Markets Authority report on KiwiSaver

06 Oct 2022

Contributed by Lukas

Today Mary talks to Jesse about the Financial Markets Authority report on KiwiSaver. She also answers a question from a retired listener who has lost ...

Your Money with Mary Holm

22 Sep 2022

Contributed by Lukas

Your Money with Mary Holm Go to this episode on rnz.co.nz for more details

What do the KiwiSaver numbers all mean

08 Sep 2022

Contributed by Lukas

Today Mary talks to Jesse about the range of numbers around in terms of Kiwisaver and what they all mean. She also recommends using the Sorted KiwiSav...

How to get an income from your assets

25 Aug 2022

Contributed by Lukas

Today Mary Holm talks to Jesse about whether retired people can "eat their houses". She's exploring the idea that many retirees are short of cash but ...

Animal Investors

11 Aug 2022

Contributed by Lukas

This week Mary talks about what we can learn from animal investors.This week Mary talks about what we can learn from animal investors. She's got ...

Growing women's financial wellbeing

28 Jul 2022

Contributed by Lukas

Mary talks today about growing women's financial wellbeing. She's been at at Financial Council summit on women and finances which was looking closely ...

Listener questions on KiwiSaver

14 Jul 2022

Contributed by Lukas

Today Mary Holm answers questions from listeners who're concerned about their Kiwisaver balances going down and when they should consider changing out...

How to curb spending when the cost of living rises

30 Jun 2022

Contributed by Lukas

Today Mary Holm's shifting her focus away from the woes of current Kiwisaver accounts to ways of curbing spending as the cost of living rises and mort...

Are KiwiSaver Funds good value for money?

16 Jun 2022

Contributed by Lukas

This week Mary Holm is tackling the issue of whether or not Kiwisaver Funds are good value for money and what you can do about it if they're not.This ...

Listener questions on KiwiSaver worries

02 Jun 2022

Contributed by Lukas

Today Mary Holm talks about the worries listeners have about their Kiwisaver accounts right now.Today Mary Holm talks about the worries listeners have...

Listener questions about investments

19 May 2022

Contributed by Lukas

This week Mary Holm addresses more listener questions about investment and the comparison between shares and rental property returns.This week Mary Ho...

Suspending KiwiSaver Payments

05 May 2022

Contributed by Lukas

Today Mary Holm answers a list of questions from a listener regarding when it's a good idea to suspend KiwiSaver payments.Today Mary Holm answers a li...

Canstar Consumer Pulse Report

07 Apr 2022

Contributed by Lukas

This week financial journalist and author Mary Holm talks to Jesse about the latest Canstar Consumer Pulse report. It shows that 55% of New Zealanders...

Advice around inflation

24 Mar 2022

Contributed by Lukas

New Zealand's inflation rate has hovered around 2 percent for most of this century, but experts say it could reach 7 percent this year. Financial jour...

Comparing returns on rental properties and shares

15 Mar 2022

Contributed by Lukas

Today Mary talks about why comparing returns on rental property and shares is tricky. She explains that people usually borrow to invest in rental prop...

Dividend Reinvestment

15 Mar 2022

Contributed by Lukas

Mary talks to Jesse about dividend reinvestment and how to grow your shareholdings painlessly. The idea is that instead of shareholders being given a ...

Age is no barrier for KiwiSaver

15 Mar 2022

Contributed by Lukas

Today Mary talks about why everyone should be in Kiwisaver and how to do it well. She says that age is no barrier to having a Kiwisaver account. She a...

What to do when your KiwiSaver wobbles

27 Jan 2022

Contributed by Lukas

Today Mary Holm talks to Jesse about the New Zealand share market's current downward trend and what to do when your KiwiSaver value wobbles.Today Mary...

Money and Relationships

16 Dec 2021

Contributed by Lukas

Today Mary continues her talk on money and relationships and how this time of the year can cause tension.Today Mary continues her talk on money and re...

Economic Harm in Relationships

02 Dec 2021

Contributed by Lukas

Mary Holm talks to Jesse about economic harm and how it affects more than half of all New Zealand women at some point. Mary Holm, off the back of Econ...

Changes coming to KiwiSaver

18 Nov 2021

Contributed by Lukas

Today Mary Holm talks about some big changes coming to KiwiSaver. From December first your provider and your risk level may change without you knowing...

Buy Now Pay Later Options

04 Nov 2021

Contributed by Lukas

Today Mary looks at the 'buy now pay later' option and whether or not these are a good idea. The products are usually quite tempting as you don't pay ...

IPO FOMO

21 Oct 2021

Contributed by Lukas

Today Mary is talking about IPO FOMO. Translated it means Initial Public Offerings when a new stock is launched and people feel they need to invest in...