Emergency Fund Essentials: Life Doesn’t Wait for Payday

For years, New Zealand has encouraged young people to pursue university as the pathway to success. But as student debt grows, the job market changes, and some trades continue to deliver strong incomes, the Trades vs Degrees debate is becoming more relevant than ever. In this episode, James and Mike unpacked the real numbers behind Trades vs Degrees, explored how student debt impacts long-term wealth, and discussed how AI could reshape the future of work...

Reducing your tax bill isn’t about loopholes or aggressive tactics - it’s about how assets and debt are structured from the outset. In this episode, the team breaks down how property investors can reduce their tax bill by aligning lending with purpose, and why treating a property portfolio like a business can materially change the outcome. Rather than focusing solely on interest rates or loan terms, reducing your tax bill comes down to understanding where debt sits, what it’s attached to, and how different ownership structures affect interest deductibility...

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