It's No Secret Catherine Emerson & Christine Jensen

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the first of six bonus episodes, as part of our summer podcast series.

The series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets. We’ll cover a range of topics from how money is intertwined with our career, to what the heck cryptocurrency is and how to start investing in the share markets.

To kick off the series, we're diving into Money and Control - a topic we have a lot to say about. We share what a scarcity vs abundance mindset is, how this applies to money and give you tools to help you uncover whether you have a healthy relationship with money.

As you'll hear in the episode, we'll also be giving away four prizes during our summer series to help you kickstart your 2022 financial journey. Be sure to keep an eye on our Instagram for more details - @itsnosecretnz.

If you enjoyed today's show, we'd also LOVE for you to rate & review on Apple Podcasts and share your favourite episode with a friend.

Following on from part-one of our two part 2021 Financial Review series, today's episode takes a look back at 2021; how we went financially, whether our personal net worth values have changed and by how much, and why. 

Specifically, we chat about: 
What to do with new inflows of cash as we meet new financial goals and fee up cashScenario planning for your finances in 2022 – i.e. growing your family, getting a pay rise, working a yearly holiday into your budget etc.Whether we include physical assets in your net worth and therefore financial review/check inPlus,  a very exciting announcement from Cat!Plus some extra fun stories at the end which are bound to make you laugh.

If you enjoyed today's show, we'd LOVE for you to rate & review on Apple Podcasts and share your favourite episode with a friend.

Join the conversation @itsnosecretnz

Check out our website and show notes at www.itsnosecret.co.nz/32

Today on the podcast we take a look back at 2021; how we went financially, whether our personal net worth values have changed and by how much, and why. A financial check-in heading into 2022, if you will. 

As the wild and wonderful year that has been comes to an end, we round out our season with a two-episode reflection series which you can take away and apply to your own financial situation. 

Whilst this is the last live weekly podcast episode for 2021, we will be running a summer series with a few shorter retrospective episodes over the first few weeks of January 2022. Stay tuned for those! 

But before we move onto that, here's what we talked about in today's podcast episode: 
Our 2021 financial goals! How we went and are feeling about them rounding out the year Any challenges we came up against moving towards them - both positive and not-so positive How various events throughout 2021 (hello lockdown and low-interest rates) have impacted our ability to meet our goals Any and all adjustments we have made throughout the year to move us closer to #financialfreedom...plus lots more in part two of this episode. Stay tuned for more!

If you enjoyed today's show, we'd LOVE for you to rate & review on Apple Podcasts and share your favourite episode with a friend.

Join the conversation @itsnosecretnz

Check out our website and show notes at www.itsnosecret.co.nz/32

Today on the podcast we're back for part two of our insurance series. If you haven't listened to part one, stop right now and go back to our previous episode. It's one not to miss. This podcast will also make a lot more sense after listening to the first one too! 

Insurance is one of those things that deep down, you know it's important to have but perhaps don't realise the value of it until it's too late. These days, it feels like there is an insurance policy for everything - income protection, life, health, contents, car, house, travel...the list goes on.
So how do we decide which ones are most important to pay for? Should we have them all? Which ones do we actually need? Is it a waste of time and money? Let's dig in. 

In this episode we chat about: 
Where to start with insurance, and how to figure out which insurances you needWhy trauma cover is the most expensive type of insurance The 101 of trauma cover, income protection and health insurance Questions to ask yourself to figure out whether you need life insuranceWho life insurance is for, and why you would take a policy outFiguring out the sum to insure for with life insurance Total impermanent disability (TPD) and how this works with income protection insuranceHow to calculate how much of a lump sum to insure for with TPD insuranceHow income protection works when mental illness comes inThe benefits of insurance advisers, and how fees come into playWhether it's necessary to get a will pre-marriageIf you enjoyed today's show, we'd LOVE for you to rate & review on Apple Podcasts and share your favourite episode with a friend.

Join the conversation @itsnosecretnz
Check out our website and show notes at www.itsnosecret.co.nz/31

Insurance is one of those things that deep down, you know it's important to have but perhaps don't realise the value of it until it's too late. These days, it feels like there is an insurance policy for everything - income protection, life, health, contents, car, house, travel...the list goes on.
So how do we decide which ones are most important to pay for? Should we have them all? Which ones do we actually need? Is it a waste of time and money? Let's dig in. 

In this episode, we chat about: 
What is income protection insurance and why do we need it? The data that suggests Kiwis cover their car, content and house above and beyond life insuranceWhy relying on ACC has made us (Kiwis) complacent when it comes to taking out income protection or health insurance Why your life stage dictates which insurance(s) you’ll need Why Cat is so passionate about income protection and trauma insuranceAnd similarly, why Christine is so passionate about health insuranceHow income protection works when mental illness comes inWhy loyalty tax doesn’t apply to swapping insurance companiesWhich insurances both Cat and Christine have and why This is just part one of a two-part series (who knew we loved insurance so much!), so be sure to listen to the second episode to round out our insurance chat.

If you enjoyed today's show, we'd LOVE for you to rate & review on Apple Podcasts and share your favourite episode with a friend.

Join the conversation @itsnosecretnz
Check out our website and show notes at www.itsnosecret.co.nz/30

Today on the podcast, we're joined by Dean Anderson, Founder and CEO of Kernel (and our boss!).  Kernel Wealth is an index fund manager and investment platform that helps Kiwis grow their savings over the long-term.

Previous to founding Kernel, Dean held roles in the financial services industry, notably as Head of Product at Smartshares and a Data Analyst at the NZX. He's a self proclaimer Mainlander, currently residing in Auckland with his partner Nigel and fur-baby Cooper.
Dean has a wide range of experience as an investor, starting his journey with shares and investment property through to raising capital to start a company in a highly regulated industry.

In this episode, we chat to Dean about: 
Dean's relationship with money and how this evolved over time How investing in property kickstarted his financial journey Quitting your full time job to start a company The process of starting and funding Kernel, a highly regulated financial services companyHow he raised capital to fund the launch and growth of Kernel...without yet having a productGoing through multiple capital roundsHow business owners navigate diversification when they're so invested in one asset (the business) Whether the dream of running a company is all that it's cracked up to beWhat keeps Dean up at night (hint it has to do with Kernel)...and lots more where that came from!

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