Money Made Simple

Simplicity

Welcome to Money Made Simple, a family of NZ-based financial literacy podcasts from Simplicity which keep it simple and get straight to the point. We want ALL Kiwis to have dignity, and a dignified life is one with choices. What can help with more choices? More money. So we're here to make Kiwis richer and smarter with money.
MONEY MADE SIMPLE WITH JENNIE AND LIV:

Join co-hosts Liv and Jennie on a fortnightly basis to help you understand the basics around money, finances, investing, KiwiSaver, and planning for a better future. We aim to provide information in a bite-sized, easy-to-listen way that simplifies the jargon. 'Cos who's got time for that! We want you to feel empowered and confident when thinking about money and investing - whether that be via KiwiSaver, investment funds, the share market, property, or whatever suits you.

THE ECONOMY MADE SIMPLE WITH SHAMUBEEL EAQUB:

Join Shamubeel Eaqub, Simplicity's Chief Economist, on a monthly basis to help you understand what's happening in the economy, job market, politics and financial markets. Tune in to get economic updates, interviews with NZ's key movers and shakers, and deep dives into topics you might want to understand better.

You can join the Simplicity community via the following channels:
Instagram: https://www.instagram.com/simplicity_kiwi/
Facebook: https://www.facebook.com/simplicitykiwi
LinkedIn: https://www.linkedin.com/company/simplicity-kiwi/
Or check out our website: https://simplicity.kiwi/
Cheers for listening - we appreciate each and every one of you %)

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Top 10 Money Made Simple Episodes

Goodpods has curated a list of the 10 best Money Made Simple episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to Money Made Simple 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 Money Made Simple episode by adding your comments to the episode page.

MMS #4 | The magic of compounding returns, explained

Money Made Simple

10/15/23 • 15 min

In this episode of Money Made Simple, Jennie and Liv explain how compounding returns (including compound interest) work, and why compounding is such an important financial concept to understand. So magical, in fact, that Albert Einstein called it the "eighth wonder of the world". Go figure!
This episode covers:

A simple explanation of how compounding returns work
An example of how compounding can work in terms of interest on your bank balance vs investment returns
How compounding can work against you, via interest on debt
Why time in the market (aka get saving, earlier!) is such a good way to take advantage of compounding returns

Resources we mention in this episode:
- sorted.org.nz
- simplicity.kiwi
- moneyhub.co.nz
We hope you can walk (or dance) away from this episode with the knowledge and confidence to get compounding returns working for you, and minimise the impacts of compounding debt that work against you.

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Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!
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Disclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

MMS #9 | Let's talk about the basics of mortgages!

Money Made Simple

11/19/23 • 17 min

In this episode of Money Made Simple, Liv welcomes a new guest to the show - Dan Maguire, Simplicity's co-head of lending. Liv and Dan chat all about mortgages in New Zealand. They break down exactly what a mortgage loan actually is, how they work, and de-mystify the different types of mortgages you may hear thrown around by home owners and investors alike!
This week's episode covers:

The simple mechanics of how a mortgage works
Who offers them (and who can get one)
The main different types of mortgages you can take out (we explain the nuances - offset, table, revolving credit; all the jargon!)
The in's and out's of fixed and floating rates
How and why Simplicity is able to offer lower cost mortgages to its KiwiSaver members buying a first home
Eligibility requirements for Simplicity first home loans

Resources we mention in this episode:
Sorted.org mortgage calculators
Interest.co.nz borrowing hub
Moneyhub mortgages comparison
The subject of mortgages can seem convoluted and tricky, we know. So hopefully by the end of this episode you'll have a clearer idea of how they work, what you need to do to get one, and what kind of mortgage may suit your needs (either now or in the future)! You'll also know more about Simplicity's low-cost first home loans.

MMS #29 | Changing the future of food: the story behind The Pure Food Co

Money Made Simple

08/20/24 • 30 min

In this episode of Money Made Simple, Jennie is joined by the impressive Sam Bridgewater, co-founder and director of the Pure Food Co., a company revolutionising nutrition for seniors around the globe. Simplicity has invested in Pure Food Co. via our Private Capital business, and today, Sam shares his own story and the inspiring journey behind the company's mission to nourish the world's seniors with nutrient-rich, enjoyable food. This week's episode covers:

How personal family experiences led Sam to leave banking and start Pure Food Co. to address the nutritional challenges faced by seniors.
Discussion on how Pure Food Co. aims to improve seniors' quality of life through better nutrition, and the broad impact of their products in aged care and healthcare facilities.
Insights into the development of Pure Food Co.’s specialized nutritional foods, which combine great taste with high nutritional value.
Sam talks about overcoming industry challenges to create a scalable business model that delivers effective nutritional solutions.
Exploration of Pure Food Co.'s plans for growth, particularly their expansion into international markets like Australia and France.

Resources we mention in this episode:
- Simplicity’s website: https://simplicity.kiwi

By the end of this episode, you’ll learn all about how Pure Food Co. is not just changing the way we think about food for seniors but also setting new standards in healthcare nutrition. Tune in to discover how innovation in food technology is making a tangible difference in the lives of elderly populations around the world. And of course, is paving the way for a better future for us all!
NEW: Check out our YouTube channel (Simplicity KiwiSaver) for the full video version of this episode!

MMS #10 | Bringing positive vibes with our TOP FIVE benefits of NZ's KiwiSaver scheme

Money Made Simple

11/26/23 • 16 min

In this 10th episode of Money Made Simple, Liv and Jennie are here to convince the naysayers out there why KiwiSaver is SO handy - by bringing you their super-duper, absolute favourite benefits of the scheme. They highlight a range of cool things that make New Zealand's retirement savings scheme unique, as well as tips for how you can make the very most of some of these benefits (whether you're new or well-versed in how it all works).
This week's episode covers:

How compounding returns are so powerful to your future balance (with examples of course!)
Why KiwiSaver can be one of the easiest ways to build that nest egg without too much hard work... automating stuff is key!
How investing in KiwiSaver means you're not saving alone... "Santa's little helpers" are here to help you get richer along the way
How KiwiSaver helps facilitate the Kiwi Dream... first home benefits, anyone?!
Some lesser known benefits around the level of protection (aka regulation) your KiwiSaver offers your hard-earned moolah

Resources we mention in this episode:
Sorted.org KiwiSaver calculator
Money Made Simple audio book
Hopefully, by the time you get to the end of this episode you'll be TOTALLY convinced that KiwiSaver is the best thing since sliced bread, and equipped with the knowledge to make it work as hard for you as you can (there are lots of things you can do to to optimise it, btw!). There are lots more benefits we'll probably cover in the future - but we think these five are a great reason to spread the good word %)

MMS #8 | Good debt - is there such a thing? We think so... And here's why

Money Made Simple

11/12/23 • 16 min

In this episode of Money Made Simple, Liv and Jennie flip last week's episode on its head and chat about "good" debt, in part two of the debt conversation. They explain why borrowing money for certain things in life can actually improve your financial standing (remember: net worth!) in the long run.
This week's episode covers:

Two particular types of debt that are considered good
The value of post-secondary education (and we don't just mean Uni) in terms of dollars and cents
How student loans actually work - and how much better they are than back in Jennie's day!
The tricky topic of home ownership in NZ - and why it's so entrenched as the Kiwi dream
Why there's such a HUGE difference between mortgage debt and consumer debt - for several reasons
Our personal stories around home ownership

Resources we mention in this episode:
Sorted.org calculators
Hopefully by the end of this episode you'll have a SUPER clear idea around what types of borrowing you don't need to be afraid of, and how to use debt that will quite literally "pay off" in the long run.

MMS #5 | Simplicity Living: What's build-to-rent got to do with Simplicity?

Money Made Simple

10/22/23 • 18 min

In this episode of Money Made Simple, Liv is joined by founder and managing director of Simplicity Sam Stubbs to explain exactly how Simplicity Living (the build-to-rent company which Simplicity funds own) works. Sam, who is also on the board of Simplicity Living, provides a useful overview of exactly how the investments work, and importantly why he thinks this type of investment will be SO good for our members in terms of long-term returns.
This episode covers:

How Sam came to start Simplicity (as well as Simplicity Living and the other investments that make us unique)
A brief, behind-the-scenes simple explainer on how Simplicity funds invest in Simplicity Living
How Simplicity Living makes profits and how these flow through to Simplicity members
Sam's view on the competitive advantages that these investments bring
If, why and how we've moved away from 100% "passive investing" - and our plans for the future around this
The ambitions around Simplicity Living and the impact it could have for the NZ housing market

Our aim for this episode is to arm you with a much better understanding of the nuts and bolts around how and why we've decided to invest via Simplicity Living. We hope that by listening, you'll get a good idea of the impacts on you as a member - and the social good that we're trying to achieve as a secondary objective!

MMS #7 | Bad debt - the junk food of the financial world. How to tackle it?!

Money Made Simple

11/05/23 • 16 min

In this episode of Money Made Simple, Liv and Jennie are tackling debt! This episode is part one of two, focusing first on what we call the "bad" type. Acknowledging that things aren't always as black and white as "good debt" or "bad debt", they explain why they are making this distinction and what the implications of bad debt are, in the short and long term.

This week's episode covers:

What exactly we mean by "bad" vs "good" debt
The long-term impacts of bad debt
The pros and cons of credit cards and buy now pay later (BNPL) schemes like Laybuy or Afterpay
Some handy (and maybe not so obvious) tips for tackling debt
How credit cards MIGHT sometimes be useful (hint - you need to be REALLY disciplined!)

Resources we mention in this episode:
Sam Stubbs' Money Made Simple ebook
We hope that by the end of this episode, you can start to differentiate between different types of debt, and their impacts on your finances over the long term. In this way you can start to cut bad debt out of your life, for good! And live happily ever after (too far, we know, felt cute). %)

MMS #25 | WTF is Private Capital? What it means and why it's great for investors

Money Made Simple

06/17/24 • 17 min

In this episode of Money Made Simple, Liv is joined by Simplicity's (quietly) kick-ass Head of Private Capital, Matt Houtman, to delve into the intriguing but sometimes confusing world of Private Equity and Venture Capital. Get ready to understand why a KiwiSaver and Investment Fund manager would invest in private companies (rather than just the share market), and how it specifically benefits investors. This week's episode covers:

Matt's journey from investment banking, to raising $500 million in funds, to joining the Simplicity team
The key differences between private and public investments
What jargon such as private capital, private equity, and venture capital ACTUALLY mean
Simplicity's strategies and criteria around this type of investing
A look at the relative size of our private capital - and the outsized returns-to-date
The long-term benefits of private capital investments for investors
Insights into how Simplicity balances fundamentally passive investment strategies with more active private capital investments

Resources we mention in this episode
- Simplicity's Responsible Investment Policy
- Venture capital via Icehouse Ventures
- Private equity businesses Simplicity invests in

By the end of this episode, you'll have a clear understanding of how private capital investments work, and why they are an exciting and beneficial addition to an otherwise predominantly passive portfolio. You'll discover how these investments drive exciting potential returns for members while supporting NZ's economic growth. Win-win!

MMS #27 | Tips n' tricks to tackle the cost of living crisis PART ONE

Money Made Simple

07/14/24 • 17 min

In this episode of Money Made Simple, join Jennie and Liv as they dive into the hot topic of the cost of living crisis, offering insights and practical suggestions to help you navigate what can feel like ever-increasing expenses. This episode covers:

An exploration of the factors contributing to the cost of living crisis, including the pandemic, supply chain issues, labour shortages and geopolitical tensions
A look at how the impact on everyday expenses in New Zealand, from housing to groceries, bills and beyond
Discussion on practical cost-cutting strategies, such as smart grocery shopping, optimising household bills, and managing non-essential spending
Personal experiences around how we've adjusted own spending in response to the cost of living increases
Some great tips from other reliable sources
Creative solutions for reducing expenditures while still enjoying your life, like entertaining at home and making the most of free communities activities

Resources we mention in this episode:

Money Hub's guide on lowering your power bill
- Sorted.org for budgeting tools
- Genesis Energy’s advice on reducing hot water costs
- Repair Cafe

By the end of part one of this two part episode, you’ll gain some valuable insights into some of the drivers of the current economic situation and discover practical ways to stretch your dollar further during these challenging times.

MMS #21 | Are my investments safe?! Understanding regs in the finance industry

Money Made Simple

04/21/24 • 16 min

Colin Magee from Catalist is back, baby! Last time he demystified stock exchanges with Liv, and in this episode of Money Made Simple he helps explains financial regulations to Jennie... Don't worry, it's more interesting than you may imagine! As an ex-lawyer and previous FMA exec, Colin is a fountain of knowledge on the topic and is here to explain the basics so you can feel confident in your investment decisions.
This week's episode covers:

The difference between licensed and regulated providers (and why it matters)
The different rules and regulations covering banks, stock exchanges, managed fund providers, and individual financial advisors
How and why there's actually a double layer of regulation on your KiwiSaver savings
Watch-outs when seeking financial advice (understand who's paying them!)
Key things to look for in working out whether an investment opportunity is "safe"

Resources we mention in this episode:
Sorted.org (the ol' fave for all things financial know-how!)
Colin's great blog on the benefits of a licensed stock exchange
The FMA website's range of regulatory resources
By the end of this episode, our aim is to help you understand that while ALL investing carries risk, comprehensive rules and regulations out there in NZ are in place to avoid what we could call "bad risk" - and let you get on with the business of making the right decisions for you!

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FAQ

How many episodes does Money Made Simple have?

Money Made Simple currently has 50 episodes available.

What topics does Money Made Simple cover?

The podcast is about Finances, Retirement, Investments, Financial Literacy, Investing, Podcasts, Self-Improvement, Education and Business.

What is the most popular episode on Money Made Simple?

The episode title 'MMS #18 | PART TWO | A match made in heaven? Choosing the right KiwiSaver provider for you' is the most popular.

What is the average episode length on Money Made Simple?

The average episode length on Money Made Simple is 18 minutes.

How often are episodes of Money Made Simple released?

Episodes of Money Made Simple are typically released every 13 days, 23 hours.

When was the first episode of Money Made Simple?

The first episode of Money Made Simple was released on Sep 25, 2023.

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Money Made Simple

Simplicity

Top 10 Money Made Simple Episodes

FAQ

How many episodes does Money Made Simple have?

What topics does Money Made Simple cover?

What is the most popular episode on Money Made Simple?

What is the average episode length on Money Made Simple?

How often are episodes of Money Made Simple released?

When was the first episode of Money Made Simple?

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