It's No Secret

Catherine Emerson & Christine Jensen

It’s No Secret is a podcast for Kiwis who want their money questions answered.

Are you wondering when is 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. Our hosts Cat Emerson and Christine Jensen will answer these questions and more.

They’ll 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. Whether it’s learning about budgeting, what to do with your savings or whether you should be investing in the share markets, we’ve got you covered.

Each Tuesday we’ll release one short episode that answers a specific money question. No long ramblings and no financial jargon. Investing hacks, budgeting tips and financial freedom 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

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Top 10 It's No Secret Episodes

Goodpods has curated a list of the 10 best It's No Secret episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to It's No Secret for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite It's No Secret episode by adding your comments to the episode page.

28. Why Does Your Mindset Around Money Matter So Much?

It's No Secret

11/08/21 • 30 min

Often we talk about wanting to achieve financial freedom, how to budget, invest and grow our money but this topic of changing our mindset around money can be forgotten. But, how we think about money determines the role it has in our lives. Our purpose and the "why" behind our money can directly influence the 'how'.

This is a topic that we're both particularly passionate about and have spoken a lot about on the podcast - most recently in our money moments episode with Briony McKenzie - so we thought we'd unpack it even further.
In this episode we cover:

What is a money mindset
Scarcity vs Abundance mindsets and how relate to your money
Christine & Cat’s money mindsets and how they play out in their relationships
How Cat’s value of fairness translated through to her decision to book a luxury hotel
Where we get our money beliefs from
How spending in line with your values links to an abundance mindset
Why Christine uses affirmations to try to shift her mindset to being from a place of abundance
Tips for changing your money mindset from scarcity to abundance
How holding people in the same light when it comes to their money mindset isn’t necessarily helpful

...And there's lots more goodness in there, so get listening now.
Check out our website and show notes at www.itsnosecret.co.nz/28

If you enjoyed today's show, we'd LOVE for you to rate & review it on Apple Podcasts and share your favourite episode with a friend.
SUBSCRIBE to It's No Secret, wherever you listen to podcasts and never miss an episode: Apple Podcasts - Spotify
Follow us for fun chat & financial tidbits on IG: @itsnosecretnz
Got questions? Get in touch: www.itsnosecret.co.nz
Disclaimer:
Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.
Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz

18. Why Is Sticking To A Budget So Darn Hard?

It's No Secret

08/30/21 • 37 min

Hello there friends! In today's episode, we're answering the question of...
WHY IS STICKING TO A BUDGET SO DARN HARD?

We've probably all tried to create a budget, then tracked it for a month, fallen off the band wagon...after trying this very cycle again in a few months. But why??

Society tells us that we need to have a budget and if you don't have one...get one asap. OR if you don't stick to it then you're a failure, or in capable of managing your money well.

What's in the episode?

In this episode, Cat and Christine dive into the pros and cons of budgeting and money psychology. Should we just ditch the word "budget" entirely and re-frame this money behaviour as planned spending? We think so.

Specifically, we cover:

How our brain reacts to the word budget
Whether 'slimming down the fun' is ever possible
Changing our mindset to being goal oriented rather than going without
How often you should review your spending
Getting out of a binge-spending cycle
Managing budget and spending guilt
The 50/30/20 budgeting rule
Paying yourself first - what it is and how to do it
Creating positive behaviours when it comes to budgeting
Managing a budget with a partner
How to practically set up your bank accounts

...And honestly, there's so much more goodness in there, so get listening now.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Money Moments: Chanel Clark - Building a Career, Starting a Business & Mental Health

It's No Secret

02/27/24 • 93 min

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 joined by Chanel Clark, marketing extraordinaire and North Shore local. Chanel has recently transitioned from being a full-time employee to starting and running her own business AND is also looking to move overseas in the near future.
So we have lots to talk about in today’s ep, let’s get stuck in.
Specifically, we chat about:

What her relationship with money was like growing up
Why she ended up with a ~100k student loan
Her experience navigating her way through the marketing industry and rebounding from redundancies
How she tripled her salary by doubling down on her marketing skills and starting a business
What's next for her career and where she wants to go

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Money Moments: Jamie Jermain - Co-Founder & CEO of SquareOne

It's No Secret

01/23/24 • 52 min

Today we're back with another Money Moments episode, where we chat to real Kiwis about money.
Today on the podcast, we are joined by Jamie Jermain, Co-Founder & CEO at SquareOne, NZ’s first account and card built for the next generation.
Jamie has worked in the payment space for over 20 years, including at the likes of Visa, Mastercard, Lloyds Bank and The Warehouse Group.

Originally from London, he moved to New Zealand in 2010 and now lives in Auckland with his wife and 3 kids, who were the inspiration to build and launch SquareOne.

In this episode, Jamie shares about:

Why money was a taboo topic for him growing up
Using credit cards to fund a mortgage
How working in finance has shaped his approach to money (or didn't!)
How he tackled moving countries, financially
The challenges, triumphs and learnings of founding and growing a company
His experience funding a start-up - from bootstrapping to raising capital initially, to raising additional funds
Key advice given in the early stages of SquareOne - hiring, governance, ESOP allocations and more
How he has needed to grow as a leader by starting a company

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

59. How to Invest for Your Family

It's No Secret

06/20/23 • 71 min

Recently, Kernel hosted an event in collaboration with Lighthouse Financial, Haigh Lyon, and Edwards & Co. all about the exciting world of investing for your family. And one of the panellists in this event actually happens to be our very own co-host, Cat!
Tune into this special episode as Cat adds her unique insights on how parents can set their families up for success. We were also lucky to have James Blair, the Wealth Director at Lighthouse Financial, and Shaun McGivern, the Principal Lawyer at Haigh Lyon, sharing their expert insights too.

Specifically, we speak about:

Why investing in a will is incredibly important for your children and loved ones, especially if something unexpected happens
Ways for parents to encourage great money habits for their kids through using investing accounts and rewarding good money behaviours
The importance of transparency with finances when it comes to your kids during good times and bad
Why using simple money habits such as starting early and consistently can really go a long way when it comes to creating wealth for your family
A few ideas and scenarios that you can think about when it comes to protecting and managing your wealth

Learn more from our partners:

Lighthouse Financial: https://lighthousefinancial.co.nz/contact-us/
Haigh Lyon Lawyers: https://haighlyon.co.nz/contact
Edwards and Co: https://edwardsandco.nz/products/olive

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Summer Series: Why Is Money Such a Driving Factor in Our Careers?

It's No Secret

01/26/22 • 22 min

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the second of six bonus episodes, as part of our summer podcast series.
The summer series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets.
This week, we're chatting about Money and Career - how we intertwine our job titles and salary with our self worth, why our happiness tends to diminish the more money you make, tips for changing industries and navigating taking a step back financially and more.
As you'll hear in the episode, we're starting our Summer Series giveaway this week, with the first being a 1:1 career coaching session with Rosey Nathan, host of the Rosey on Recruitment Podcast and Senior Sourcing Specialist at Customise Talent Group. To enter, head to our Instagram, @itsnosecretnz.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Bonus Episode: Money Moments with Dalaney Davis - The Future of Cryptocurrency and Entrepreneurship

It's No Secret

11/18/21 • 48 min

Today on the podcast we're joined by Dalaney Davis, Mindset Expert and Growth Strategist.

Dalaney is a life and business coach who works with thought leaders and entrepreneurs to start and grow their businesses.

Prior to coaching, Dalaney had another life working in the blockchain world early on, focusing on educating people on its positive global social impact. He's very knowledgeable and passionate about the topic that is investing in cryptocurrency.

In this episode (which we'll add was recorded pre-lockdown), we chat about:

Dalaney’s experience from a career in blockchain, to starting a sustainable business and then becoming a coach
Dalaney’s advice for anyone thinking about becoming an entrepreneur
What cryptocurrency is and how the world of bitcoin works
How you make money from investing in cryptocurrency
Whether staking, mining or investing in cryptocurrency is better and more profitable
Which coins Dalaney personally would invest in
How much of our portfolio we should be investing in cryptocurrency
Why there are different types of coins
Dalaney’s perspective on the future of fiat currency, cryptocurrency and how they coincide
Weighing up the environmental aspect of investing in cryptocurrency

We hope you enjoy the conversation as much as we did!

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Money Moments: Jervis Koo - Travelling Asia, Redundancies and Work Life Integration

It's No Secret

02/06/24 • 49 min

Today we're back with another Money Moments episode, where we chat to real Kiwis about money.

We’re back with our friend Jervis, for an update on what’s happening in his financial world, since recording an initial Money Moments ~2 years ago.
When we spoke to Jervis last, he lived and worked in a digital marketing agency in Auckland. We spoke about several things on the podcast, ranging from how he initially got in and out of personal debt to his 30/30/30/10 budgeting approach and how his life pillars drive his happiness (incl. one finance pillar).
Jervis is now a digital nomad who is living in Malaysia. Stopping in NZ for a quick visit, we thought we’d steal an hour of his time to hear an update on how things are doing.
In this episode, we chat about:

What it was like working, moving and living in Singapore for work
The costs associated with moving overseas and how much he spent
How his values have changed over time, learning from work and travel
Why he's tweaked a few of his spending and investing habits

...and plenty more goodness!

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Summer Series: How Do I Justify the Cost of Investing In Myself?

It's No Secret

02/22/22 • 18 min

Hello and welcome back to It's No Secret! Today on the podcast we're bringing you the sixth and final summer series podcast episode.

The summer series is dedicated to looking back at our most popular episodes of 2021 and sharing our favourite golden nuggets.

This week we're chatting about investing in ourselves! Yep, the thing you want to do but never want to spend the money on. This is a hugely requested topic and one of our personal faves.
In this episode, we unpick why it's hard to invest in ourselves, how cognitive dissonance plays into the decision making of investing in ourselves and pose a $100 challenge for you to get started investing in yourselves.

Now, our final summer series giveaway is a goodie, drum roll please...1x $100 Burger Burger voucher and 1x $100 Bunnings voucher. A perfect recipe for doing the things we love - DIY'ing and eating.
To find out more and enter to win, head to our Instagram @itsnosecretnz.

Ts and Cs apply. The giveaway runs from Wednesday 23rd February 2022 to Tuesday1st March 2022.
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.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

78. Public Schools VS Private Schools

It's No Secret

06/11/24 • 36 min

Today we’ll be chatting about whether private schools are “worth” the investment.

We'll look at both the cost of sending your children to private school vs public, and weigh up some potential pros and cons of doing so.

Disclaimer: the school you send your child to is very personal to your family, the child and your financial situation. This is not for us to tell you what to do, nor is this to enforce our views, but more to shed light on factors that might sway you from a financial standpoint.
Specifically, we chat about:

What is the most expensive private school in NZ
How free is it *really* to go to a public school
The average costs of each option and how much you may end up spending through years 9-13
Outside factors to consider such as connections, class sizes and quality of learning

And much more!
Resources:

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

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FAQ

How many episodes does It's No Secret have?

It's No Secret currently has 164 episodes available.

What topics does It's No Secret cover?

The podcast is about Budgeting, Personal Growth, Property, Investing, Money, Personal Development, Career Development, Podcasts, Financial Freedom, Self-Improvement, Education and Business.

What is the most popular episode on It's No Secret?

The episode title '72. Friends & Money: Does Money Affect Friendships?' is the most popular.

What is the average episode length on It's No Secret?

The average episode length on It's No Secret is 37 minutes.

How often are episodes of It's No Secret released?

Episodes of It's No Secret are typically released every 7 days.

When was the first episode of It's No Secret?

The first episode of It's No Secret was released on Mar 1, 2021.

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It's No Secret

Catherine Emerson & Christine Jensen

Top 10 It's No Secret Episodes

FAQ

How many episodes does It's No Secret have?

What topics does It's No Secret cover?

What is the most popular episode on It's No Secret?

What is the average episode length on It's No Secret?

How often are episodes of It's No Secret released?

When was the first episode of It's No Secret?

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