It's No Secret
It’s No Secret is a podcast for Kiwis who want their money questions answered.
Are you wondering when the right time to get on the property ladder, whether you should invest with family or how to talk to your significant other about investing and budgeting?
If yes, you’re in the right place. Join the Kernel team, alongside some special guests, as they take you through the ins and outs of all things finance, money, property, investing and building wealth so you can move towards achieving financial freedom.
Each Wednesday, we’ll release one episode that answers a specific money question.
No long ramblings and no financial jargon. Investing hacks, budgeting tips, and financial freedom are included.
You’ll be left feeling inspired, relieved and ready to take the next step in your financial journey.
Happy listening!
Submit a money question or get in touch at our Instagram @itsnosecretnz
Episodes
165 episodes
105. Foundational Money Tips For Your 20s, 30s & Beyond
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 often packed with big decisions about finances, careers, and relationships, which can sometimes f...
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Season 4
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Episode 105
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34:50
Money Q&A: Pricing, Distributions, and Market Timing - Fund Units Explained
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 and the effects of distributions, helping both new and experienced investors under...
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34:22
104. Money Tips During Lower(ing) Interest Rates
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) can mean for you. Disclaimer: This episode was recorded on 13 Feb and this episode i...
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Season 4
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Episode 104
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23:38
Buying Her First Home, Living Your Rich Life & Starting a Business | Money Moments w/ Rebekah
In today's Money Moments, we're joined by Rebekah, Head of Human Resources in Citta. In this episode, Rebekah shares her experience with money, in particular:How she bought her first home without a partnerWhat her relations...
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Season 4
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1:28:56
102. Dividend Investing in NZ: Does it Work?
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 strong dividend culture, and whether chasing dividend yields is the best strategy for long-ter...
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Season 4
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Episode 102
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31:03
Money Q&A: How Dividends Work & Moving Investment Platforms
In today's episode, we're joined by Joni from our Customer Success team to tackle two common investment questions we frequently receive. From understanding dividend payments to managing multiple investment platforms, we'll help clarify ...
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Season 4
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40:37
101. Why You Can't Save Your Way to Retirement
Are Kiwis missing out by being savers rather than investors? In this episode, we explore whether our national tendency toward saving is helping or hurting our financial futures. With rising living costs and ambitious retirement goa...
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Season 4
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Episode 101
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28:16
Building a Multi-Million Dollar Business, Salary Transparency & Property Choices | Money Moments w/ Stanley Henry
Today, we’re back with a Money Moments episode - this time with Stanley Henry, Founder & CEO at The Attention Seeker...
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Season 4
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1:21:11
100. Navigating Kids Accounts: 5 Things Parents Need to Know
Welcome back, lovely listeners, to another episode of It’s No Secret! Today, we’re diving into a rapid-fire chat about kids' accounts. Whether you’re considering opening an account for your child or just curious about how they work...
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Season 4
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Episode 100
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23:55
Money Moments: Cat & Christine - 2024 End of Year Update
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! In this episode, we’re back in the hot seat to update you on what’s going on financially...
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Season 4
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Episode 100
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1:03:11
99. The Money-Mindset Connection: Why Your Thoughts Matter
Can your mindset make you richer? Today we explore how your thought patterns influence your financial life, inspired by fascinating research showing positive mindsets can add years to your life. We'll dive into how shifting from sc...
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Season 4
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Episode 99
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47:04
Money Q&A: Is the Global 100 Diversified?
In this Q&A episode, we tackle a common concern about the Kernel Global 100 fund: concentration risk. With just 10 companies making ...
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Season 4
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34:56
98. How to Financially Thrive Throughout the Holidays
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 first three weeks of December, we're diving into how to navigate this expensive period without b...
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Season 4
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Episode 99
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38:19
97. City vs Rural: Where Should You Buy Your Home?
Is the grass really greener (and cheaper) in the countryside? Today we're exploring the financial reality of city versus country living in New Zealand. With Auckland's median house price at $970,000, we'll investigate whether movin...
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Season 4
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Episode 98
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31:41
96. Which Insurances Do I Need? Part 2
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 need and what factors to consider.Key Questions Discussed:How do you cal...
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Season 4
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Episode 97
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44:07
95. Which Insurances Do I Need? Part 1
Today we're tackling a crucial but often overlooked topic: how to calculate your life insurance needs. With recent FSC research showing only 20% of New Zealanders have income protection insurance, we'll break down the essentials of...
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Season 4
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Episode 95
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42:19
Being Poor But Driven, Open Banking and Embracing Individuality | Money Moments with PocketSmith CEO Jason Leong
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 company serving customers in 190 countries, Jaso...
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Season 4
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47:38
94. How Much Do I Actually Need to Retire?
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. With recent Retirement Commission research showing that 65% of people over 55 have ...
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Season 4
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Episode 94
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35:56
93. How to Approach A Financial Break Up
Today, we're discussing how to break up financially—not just with a significant other.Breakups are challenging, and they aren't limited to romantic relationships. Whether you're parting ways with a service provider like a personal traine...
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Season 4
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Episode 93
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43:48
92. What Happens to My Investments When I Pass Away?
In this episode, we tackle a crucial yet often-overlooked topic: what happens to your investments when you pass away? Understanding what happens to your assets is essential for ensuring your loved ones are taken care of and the outcome you inte...
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Season 4
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Episode 92
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17:39
91. How to Diversify Your Investments
In this episode, we revisit the concept of diversification in investing. Understanding how to spread your investments is important, especially in helping manage risk. Specifically, we chat about:What is diversific...
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Season 4
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Episode 91
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28:42
90. Mortgages 101 | Part 2
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 team to finalizing your settlement, we've got you covered:Specifically, we chat about:
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Season 4
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Episode 90
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25:35
89. Mortgages 101 | Part 1
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, we outline the steps you'll need to take, including some tips to take to help make your ho...
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Season 4
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Episode 89
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29:04
88. The Psychology of Index Investing
In this episode, we're joined by an expert guest - Cam Irvine.Cam brings extensive experience from the financial services industry, having worked for one of the most successful mutual fund m...
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Season 4
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Episode 88
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38:20
Airbnb Horror Story, Taylor Swift & FOMO | Money Moments with Cat & Christine
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 again in the hot seat to give you an update on what’s going on with our lives financially. Our...
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Season 4
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1:01:54