She Owns This

Opes Partners
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  • Investing
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She Owns This is a weekly New Zealand podcast about money, property and financial confidence. Hosted by financial advisers Stevie and Nefe from Opes Partners, it’s for Kiwi women who want to build wealth but feel like most money advice isn’t really made for them. Each episode breaks down money and property in plain English and gives one simple action listeners can take that week. Because in NZ, women are still under-represented in property ownership — and this podcast is about changing that. Disclaimer: This podcast is for general information only and is not financial advice.

  1. 3d ago

    How Couples Should Manage Money in NZ — Three Models, One Honest Conversation

    Money is one of the leading causes of relationship tension in New Zealand. Not because couples don't love each other, but because most of us were never taught how to talk about it. This episode gives you a framework, the legal reality, and permission to do it your way. In this episode: The three models NZ couples use to manage money: fully combined, hybrid, and fully separate - when each one works, when it doesn't, and the legal landscape sitting underneath all threeWhy the fully combined model creates resentment when money personalities don't align, and what to do insteadThe hybrid model in practice: how to set joint contributions fairly when one partner earns significantly moreThe fully separate model: why it works for some couples, why a relationship property agreement is non-negotiable if you use it, and why it's not a statement about commitmentThe income disparity conversation most couples avoid -and why non-financial contributions like caregiving and project management have real dollar value that needs to be in the modelThe five money questions every couple should answer before choosing a financial model - ideally before the mortgage, the wedding, or the babyThe right model isn't the conventional one. It's the one both people have honestly agreed to and genuinely understand. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

  2. Sep 8

    What Happens When Your NZ Investment Property Tenant Leaves?

    That message from your property manager "your tenant has given notice" doesn't have to spike your anxiety. This week Nefe goes straight to the expert: Tiffany Bracey from Opes Property Management, with everything that actually happens from notice to new tenant. In this episode: The full tenant exit process in NZ: from the 21-day notice period to keys handed back...every stage, every timeline, every costThe rent review decision: why holding out for a higher rent almost always costs more than a small reduction would, and the one number every landlord needs to knowHow good NZ property managers market a vacant rental: photography, digital staging (~$200 vs $5,000 - $10,000 for physical), viewings with 48 hours notice, and why advertising starts before the tenant leavesWhat happens to power between tenancies, and why keeping the heat pump running costs less than $100 but makes a significant difference to how fast the property rentsHow vacancy actually works in NZ: best case one to two weeks, worst case a few weeks, and why planning for it removes the panic entirelyVacancy isn't a disaster to avoid. It's a cost you plan for. Here's exactly how. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

  3. Sep 1

    Should The Election Change Your Investment Plan?

    Capital gains tax. Land value tax. Interest deductibility. Wealth taxes. The 2026 election is loud. This episode cuts through it — six parties, five investor categories, one practical framework for deciding whether any of it should change what you're doing with your money. In this episode: The at-a-glance investor scorecard: National, ACT, NZ First, Labour, the Greens, and the Opportunity Party rated across wealth building, property investment, high income, business, and tax positionNational and ACT: what continuity of current settings actually means for property investors, and why interest deductibility and the 2-year brightline test matterNZ First: the compulsory KiwiSaver from birth proposal — and why the minor dwelling policy is a direct win for existing property ownersLabour's capital gains tax on NZ investment property from 1 July 2026: what it covers, what's exempt, and why existing gains aren't touchedThe Greens' wealth tax, capital acquisition tax, and reversal of interest deductibility — who it actually affects and who it doesn'tThe Opportunity Party's land value tax: why an annual tax on land value is fundamentally different from CGT — and what a projected 10–15% drop in property prices means for your portfolioThe election cycle data: why there are 10% fewer buyers in the NZ market in the 6 months before an election — and 10% more in the 6 months afterPolicies are promises, not certainties. Coalition governments negotiate. Make decisions on today's rules — not tomorrow's what-ifs. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

  4. Aug 25

    Reverse Mortgages NZ Explained — What They Are, How the Maths Works, and Why We Almost Never Recommend One

    Reverse mortgage enquiries in NZ are rising, because a generation of homeowners paid off their mortgage, arrived at retirement, and found almost nothing else waiting for them. This episode explains what a reverse mortgage is, what it actually costs over time, and why the best plan is never needing one. In this episode: What a reverse mortgage in NZ actually is: how to borrow against your home equity without making repayments — and what happens to the debt while you waitHow much you can borrow by age: the limits from 60 to 90, and the minimum property values that applyWhat $100,000 borrowed at 8% compounding interest looks like after 15 years — and why the same force that builds wealth when you invest it destroys equity when you don't repayBarbara and Rod: a worked example showing what a reverse mortgage actually leaves behind after 15 years, a property sale, and a move to a retirement villageThe alternatives to consider before ever signing: renting a room, downsizing, family arrangements, and why independent legal advice is non-negotiableThe same compound interest that builds your wealth when you invest it depletes your equity when it's compounding on a loan you're not paying down. Here's what that looks like in real numbers. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

  5. Aug 18

    Don't Bank on It: Why an Inheritance Isn't a Wealth Plan⎟Ep. 23

    Inheritances feel like a plan. They feel certain when nothing else does. And that feeling is exactly why they're so dangerous to rely on. This episode is the honest conversation that most financial advisers don't have — and most families definitely don't. In this episode of She Owns This: The five variables that make inheritances unreliable: the amount, the timing, who it goes to, legal challenges, and how grandchildren change the pictureThe NZ timing problem: if your parents are 25–30 years older than you and live into their late 80s, you may not receive anything until you're 60 — too late to change what compounding could have doneWhat the Family Protection Act 1955 actually says about wills, children's rights, and what can and can't be challenged in NZThe Margaret Ducas case: the $4 million left to the SPCA — and what happened when her children decided that wasn't acceptableWhy quietly expecting an inheritance changes how you feel about your parents' spending — and what that does to relationships over timeAn inheritance should be a pleasant surprise. Not a load-bearing wall. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

  6. Aug 11

    Why Your Net Worth Explodes After $100,000⎟Ep. 22

    You've heard "the rich get richer." This episode explains exactly why that's mathematically true — and more importantly, what to do about it when you're not there yet. Because the forces behind compound growth work for everyone. You just need to stay in the game long enough. In this episode of She Owns This: The two forces that cause NZ wealth to accelerate after $100,000: capital scale and compound interest — and why the same 10% return produces $100 on $1,000 but $10,000 on $100,000Why the early stages of wealth-building are supposed to feel slow — and what that means for staying motivated when progress feels invisibleThe three levers you can actually pull: return rate, contribution amount, and time — and which one moves the needle mostKiwiSaver NZ explained: dollar cost averaging, fund types, provider vs fund choice, and the most common mistake Stevie sees that costs clients real moneyWhy being in a conservative KiwiSaver fund since you were 18 is one of the most expensive passive decisions a 30-year-old can makeEvery day you're not investing, you're spending time you can never buy back. Here's how to make it work harder. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

  7. Aug 4

    The Yield Fixation: Why Chasing High Returns Can Cost You More Than You Think⎟Ep. 21

    As the NZ property market recovers, rental yield is everywhere. Developers are leading with it. Real estate agents are selling on it. And investors who just lived through high interest rates are obsessed with it. This episode explains what yield actually tells you — and what it doesn't. In this episode: Gross yield vs net yield NZ: why the number being advertised and the number you actually live with are almost never the sameWhy high gross yield on an NZ investment property is often a signal of low capital growth — and the two main reasons that's almost always trueThe specialist property trap: student accommodation, inner-city apartments, room-by-room rentals — why an investor-only buyer pool kills your long-term growthThe rural yield trap: why that cheap standalone home with a 7% gross yield in a small NZ town is cheap for a reasonThe real numbers compared: high-yield rural property vs high-yield inner-city apartment vs high-growth two-bedroom townhouse — what the net yield actually looks like after costsThe gross yield is the number advertised. The net yield is the number you live with. Here's how to find it. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

  8. Jul 28

    Why One-Bedroom Investment Properties in NZ Are Usually a Trap (And What to Buy Instead)⎟Ep. 20

    One-bedroom properties look like an accessible entry point into NZ property investment. The price is lower. The barrier feels smaller. But 25-plus years of data tells a different story — and this episode breaks down exactly why bedroom count matters more than purchase price. In this episode: What NZ property data actually shows about one-bedroom capital growth ratesWhy the buyer pool is everything: who can actually buy your property when you want to sellThe only scenario where a one-bedroom investment property might make senseStevie's gun-to-her-head answer: if she absolutely had to buy a one-bedroom today, exactly what she'd buy and whyThe most popular NZ rental property types actually tenanting quickly right now — and which markets are producing the strongest tenant demandPrice is the starting line. Return is the finish line. Confusing the two is how investors end up with a property they can't grow from. Women should own half the world. Come own it with us. Don't forget to like and subscribe, and follow us on Instagram: ⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠SheOwnsThispodcast

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About

She Owns This is a weekly New Zealand podcast about money, property and financial confidence. Hosted by financial advisers Stevie and Nefe from Opes Partners, it’s for Kiwi women who want to build wealth but feel like most money advice isn’t really made for them. Each episode breaks down money and property in plain English and gives one simple action listeners can take that week. Because in NZ, women are still under-represented in property ownership — and this podcast is about changing that. Disclaimer: This podcast is for general information only and is not financial advice.

Information

  • Creator
    Opes Partners
  • Years Active
    2026
  • Episodes
    27
  • Rating
    Clean
  • Copyright
    © Opes Partners
  • Show Website
    She Owns This

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