RNZ Radio 1 October 2026
Should you have health insurance?
– Why have it?
– Premiums are rising.
– Self-insure instead?
– Psychology of health insurance
– How to keep costs down
Should you have health insurance?
– Why have it?
– Premiums are rising.
– Self-insure instead?
– Psychology of health insurance
– How to keep costs down
Setting up a rainy day fund
– Sorted Money Month: This year — emergency money
– Good for mental health
– How to set up a fund and how much
– Sorted Buffer Builder app
– Putting money slightly out of reach
– “Give it to charity”
The power of drip feeding into investments
– 3 reasons it works well
– What is dollar cost averaging?
– Why does it work?
– What if you have a lump sum?
Sad stories and help for financially struggling people
– Retirement Commission (Te Ara Ahunga Ora) — conference highlights.
– Stories of financial hardship
– How financial mentors help — but they’re losing funding
– How banks are helping
– Some good news
Are you making the most of bank deposit insurance?
– What is covered and what not?
– How to make the most of it
– Use a higher-risk deposit taker to get more interest?
Laddering — best way to invest bank term deposits. Can also ladder mortgages.
– Advantages: Often better interest rate. Frequent access. You won’t get it wrong with all your money!
– How to set up laddering.
– Ladder your mortgage.
– Also — bargain with your bank.
Good news on mortgages — not just rate cuts
– Official cash rate dropped again — and floating mortgage rate.
– Fewer people behind on mortgage payments
– Many people not reducing their payments, but using extra to pay down the loan. Makes a huge difference to total interest and how long the loan runs.
Q&As:
– Why rental property is not a great retirement investment
– What about commercial property?
– How to handle money when husband going into care
– Help available for the retired
– Rule of 72 — when debt doubles
Different types of debt. Also, money worries lead to less socialising:
– Different types of debt — some bad, some good
– More on credit cards — how not to use them
– More on buy now pay later debt — how not to use it
– Mortgage holders should concentrate on other debt
Also:
– Socialising is on the decline while the cost of living rises
Test your financial knowledge
– 7 questions to test your financial knowledge
– How to do test at your own pace, and get explanations of the answers