No Stupid Questions with Susan Edmunds

RNZ Originals
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RNZ money correspondent Susan Edmunds wants to demystify money and personal finance.

  1. 9H AGO

    My kids inherit my money when I die. Isn't that too late?

    Your kids are all grown up now, having families, buying homes of their own and working hard to make ends meet. Wouldn't this be the best time for them to inherit your money? Have we got the wrong approach to inheritances? Susan has answers for this, as well as what the tax situation is when buying a house overseas, whether financial advisers who are paid on commission can really be objective and what to look out for when insuring your car. Episode details In this episode, Susan answers questions about: What exactly is the OCR?What are the tax implications when buying an offshore apartment?Do we have inheritances all wrong?What are banks saying about the future of house insurance?Can financial advisers every truly be impartial?What you need to know about insuring your carAnd is a 1983 Honda better value than one from the 2020's?If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to questions@rnz.co.nz. Go to this episode on rnz.co.nz for more details

    15 min

  2. FEB 10

    Can my step kids force me to sell my home?

    Family stuff can be pretty tricky, especially after a bereavement. What can you do if you're partner has passed on and their kids want you to sell your house so they can get a payout? Speaking of kids, why isn't the cost of childcare tax deductible? Does the NZ Super Fund super proof my pension? And would you have been better off buying a house in 1981 - or Lego? In this episode, Susan answers questions about: 00.44 What to do when your partner dies and your kids want you to sell the family home4.02 Why childcare isn't tax deductible5.19 Will pensions one day be paid out entirely from the NZ Super Fund7.55 Can a person on a low income afford to buy a tiny home9.28 Whether to invest in Kiwi Bonds or put your money into a savings account12.38 And what the average price of a house was in 1981If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to questions@rnz.co.nz. Go to this episode on rnz.co.nz for more details

    16 min

  3. FEB 3

    I think I'm being charged more than market rent... What do I do?

    Plenty of us rent the homes we live in. How do we know if we're paying more for it than we should? Susan finds out and asks if anyone is making money from your rental bond, as well as how to avoid being scammed when you're investing, and whether your LEGO collection is a good investment or not. In this episode, Susan answers questions about: 00.55 What to do if you think you're paying more than market rent5.38 Is anyone making money from your rental bond6.49 What happens if a parent dies with no money to pay for their funeral8.03 How to avoid the scammers when you've got lots of money to invest10.35 Why your KiwiSaver account is not being scammed12.39 How to protect yourself from being ripped off when buying online13.34 Why your KiwiSaver balance doesn't count against your pension14.07 And whether your LEGO collection is a good investmentIf you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to questions@rnz.co.nz. Go to this episode on rnz.co.nz for more details

    16 min

  4. JAN 27

    What happens if I die before paying off my student loan?

    More than 600,000 New Zealanders have a student loan. If you’re one of them, you might have questions - like what happens if you die? Does your partner have to take on half if you split? We're looking at this as well as pension questions, tax questions, investing for your kids, and ensuring your KiwiSaver is invested in a way you're comfortable with. In this episode, Susan answers questions about: 00.55 Avoiding the student loan debt trap2.59 Options for setting up your grandkids' financial future5.53 Why savings can count against an accommodation supplement7.02 How to avoid ethical jump scares when investing9.46 What happens when a working pensioner needs ACC payments10.35 Why tax on your pension isn't the government double-dipping11.55 What the new inflation data means for your mortgage13. 09 When did instant noodles get added to the CPI?If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to questions@rnz.co.nz. Go to this episode on rnz.co.nz for more details

    14 min

  5. JAN 20

    Can I go for gold with KiwiSaver?

    Can I invest in gold through my KiwiSaver? Will I still get my pension if I live on my boat? And what is a disappointment gap? Questions this week for Susan: 00.54 Can I invest in gold through my KiwiSaver? 02.39 I qualify for superannuation but still have a mortgage. Will that affect my tax rate? 04.31 Can my employer deduct KiwiSaver my from my hourly rate of pay? 07.20 If I live on my yacht, can I still claim superannuation? 08.55 Do I pay GST on capital gains? 10.43 What is the 'Disappointment Gap'? 12.24 Audience Q&A for the week: in what year did waterbeds and wine cooler drop out of the Consumer Price Index? Expert input this week came from Greg Smith at Generate, Anne-Marie Lockyer at Pie Funds, GST expert Alan Bullot and Shamubeel Eaquab from Simplicity. If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to questions@rnz.co.nz. Go to this episode on rnz.co.nz for more details

    15 min

  6. JAN 13

    Got money questions for Susan? Send them through!

    No Stupid Questions with Susan Edmunds will be back online, on-air and in your feed from late-January 2026. If you have a money question you'd like Susan to answer, put it in an email or send us a voice recording to questions@rnz.co.nz. Go to this episode on rnz.co.nz for more details

    1 min

  7. 12/16/2025

    You, me and the IRD

    My tradie asked to be paid in cash...will that get me in trouble with the IRD? Where's the best place to keep an emergency fund? And are rewards points really worth it? Episode details Questions this week for Susan: Where should I put my emergency money, in a manged fund, term deposit or just a bank account? When the Reserve Bank changes the official cash rate, where does the extra money I pay on my mortgage go? Which kinds of KiwiSaver funds are seeing the most hardship withdrawals? If I'm paying a surcharge on my credit card, does that cost more than the Hot Points I earn? If a tradie asks me to pay in cash, can I get in trouble with the IRD? Audience Q&A for the week: what sort of increase in spending is normal at Christmas? Expert input this week came from Dean Anderson at Kernel, David Cunningham at Squirrel, investment adviser Jeremy Sullivan and Robyn Walker at Deloitte. If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to questions@rnz.co.nz. Go to this episode on rnz.co.nz for more details

    14 min

  8. 12/09/2025

    What is productivity? And are Kiwis really so bad at it?

    If you die without family, what happens to your KiwiSaver? Is it fair that a household with one high earner pays more tax than one with two average earners? And what is productivity and why does it matter to the average New Zealander who’s just focused on getting their own job done? Questions this week for Susan: 00.44 What are tenants not allowed to do?2.52 When it comes to tax, what's the difference between boarders and flatmates?6.03 What is productivity and are we really so bad at it?10.45 What happens to your KiwiSaver when you die?12.07 Is it fair that a household with one high earner pays more tax than one with two average earners?15.19 When the Student Loan Scheme was first set up, what was the rate of interest?Expert input this week came from Brad Olsen at Infometrics. If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to questions@rnz.co.nz. Go to this episode on rnz.co.nz for more details

    19 min
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RNZ money correspondent Susan Edmunds wants to demystify money and personal finance.

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