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Stevie built a graph from 100 years of US returns data and NZ house prices back to 1985. What it shows is that property and shares move in almost opposite directions, and no single asset class wins consistently. This episode walks through the data, the .com bubble, the AI bubble, and why balance is the strategy. You'll learn: The graph: 100 years of S&P 500, bonds and cash returns overlaid with NZ house prices since 1985Why property and shares have a broadly inverse relationship, and what it means for your portfolioHow NZ property and US shares responded to Black Monday, the GFC, COVID-19 and the 2022 rate shockWhat creates a market bubble, what bursts it, and what happened to NZ property after the .com crashIs AI the next bubble? Mean reversion and why long-run returns of around 10% matterWhy balanced doesn’t mean 50/50, and what a portfolio of property and shares actually looks like When one asset class is struggling, another is doing the work. That’s not a compromise. That’s the strategy. 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

Is Investing in Shares Gambling? Plenty of Kiwi investors feel confident about property but nervous about shares, managed funds and market volatility. Nefe and Stevie sit down with Angela McKnight from Frank Wealth to bust the biggest share market myths and show how property and liquid investments can work together. In this episode: Is investing in shares just gambling? How investors actually lose money, and when a loss is temporary or permanentManaged funds, index funds and ETFs explained in plain EnglishAre New Zealanders too obsessed with property? Why you can still start investing late, and the real cost of doing nothingWhy a financial adviser still adds value in the age of AITurning $2 million into $80,000 a year of retirement income without running outProperty is a powerful wealth builder, but it isn’t the only one. Here’s how to build a portfolio that works at every stage of life. 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

Interest rates are high, cost of living is high, and most investors with 100% lending are topping up their property every week. This episode of She Owns This breaks down exactly what a top-up includes, the triangle principle that explains why you can’t have everything, and five strategies to make your investment property work harder. You'll learn: What a property top-up actually includes: mortgage interest, rates, insurance, management fees, maintenance and vacancy, not just the mortgageThe cash flow triangle: why you can usually only have two of high growth, high yield and no depositInterest-only mortgages: how they improve cash flow and when to switch back to principal and interestUsing a larger cash deposit to get an NZ investment property to cash flow positiveAdding a minor dwelling: when the extra rent covers the extra borrowing, and when it doesn’tRenovating for yield: how it can quietly turn a growth property into a specialist oneUsing Opes+ to model deposit size, interest-only and renovation scenarios side by sideA top-up isn’t a loss. It’s a contribution to an asset that should be growing faster than it costs you. 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

Airbnb apartments get pitched to property investors with impressive yield projections. The real numbers almost never match. This episode of She Owns This breaks down the 2026 MBIE ruling that changed Christchurch Airbnb rules, the actual costs developers leave out, and a real side by side comparison that settles the debate. In this episode: The 2026 MBIE ruling explained: why Christchurch apartment owners now need council permission to run an Airbnb, and what it means for the 5,000 listings already operatingAirbnb rules compared across Christchurch, Auckland, Queenstown Lakes and beyond: night limits, consent requirements and the councils cracking down hardestThe GST trap: why some Christchurch one-bedroom apartments advertised at $265,000 actually cost over $300,000 once GST is addedThe real numbers: a $560,000 Christchurch CBD apartment run as Airbnb versus a $560,000 two-bedroom townhouse run as a long-term rental, cost by costWhy the Airbnb apartment comes out negatively geared by over $200 a week while the townhouse sits closer to neutral, with better capital growth and a far wider resale buyer pool A property that only works as an Airbnb has one exit strategy, and the rules keep getting harder. Here is why a long-term rental almost always wins. 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

House price headlines say property is more affordable. So what does $500,000 actually buy across New Zealand right now? Stevie found six real listings and dug into the details the advertising copy leaves out. In this episode: Six real $500K property listings across Howick, Christchurch, Lower Hutt, Southland, Wellington and Auckland Central, compared side by sideWhy a one-bedroom no-carpark apartment in Auckland has a 2.9% yield and almost no resale buyer poolWhy Linwood in Christchurch is one of the more sensible $500K buys on the list right nowWhy Stokes Valley in Lower Hutt has seen the biggest house price fall since peak anywhere in NZThe Wellington apartment with $10,000 a year in body corporate fees that's sold for less than it did in 2017The Auckland Central listing that looks like incredible value until you spot the GST exclusion and the management lease locked in until 2028Why bare land in Southland isn't an investment property, no matter how good the price looksWhat the $500K market actually reveals about where NZ property is genuinely accessible right now, and where it only looks that way The price is just the starting line. What it actually buys you is the real story. 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

OCR, Swap Rates, Market Bubbles, Short Selling, Hedging and more. The finance industry runs on jargon that is designed to make you feel like an outsider. This episode is the antidote. We decipher the terms, plain English, real analogies, and a rapid-fire format that actually makes it fun. In this episode: OCR explained: how the Reserve Bank uses it to control inflation and your mortgage rateSwap rates: why your fixed mortgage rate is set by markets, not the Reserve BankMarket bubbles: the dot-com crash and Nefe's rule of thumb for spotting hypeMean reversion: why prices always come back to their historical averageMarket capitalisation: small cap, mid cap, large cap, explained simplyEconomic moats: why some companies are nearly impossible to compete withShort selling: the handbag analogy and the GameStop storyFutures contracts: the carpet analogy and the turnkey building connectionThe finance industry benefits from complexity. The actual concepts are not that hard. Here is the proof. 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

New Zealanders paid $19.7 million in BNPL late fees in 2025. Afterpay's NZ revenue grew 17.4% - during a recession. And 1 in 5 users paid at least one late fee. This episode of She Owns This explains exactly how these platforms are designed to work on your brain, and your wallet. You'll learn: How Afterpay, Zip, and Klarna actually make money in NZThe NZ consumer data most people haven't seenThe three psychological tricks that make BNPL feel different from debtWhy $100 a fortnight in BNPL repayments redirected into an index fund at 8% average annual return could earn youBuy Now Pay Later isn't free. It's deferred. And the cost of buying things this way instead of saving for them first shows up over years, not weeks. 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

We're in one of the longest property downturns in NZ history. Townhouses are everywhere. And investors are asking the question nobody wants to answer honestly. This episode brings the data — and argues both sides. In this episode: The number that changes the debate: Auckland townhouses fell 22% from peak. Standalone homes fell 22.9%. The market did this — not the property type32 years of NZ property data: townhouses vs standalone homes grew at a 0.6% difference over 26 years — less than 1%The building boom in context: townhouses were 6% of new NZ builds in 2012. By January 2026 they were 43.8% — and what that actually means for supply and demandWhy affordability sustains townhouse demand: with stand-alones at $1,050,000 and townhouses at $750,000, first home buyers are 37–41% of Auckland townhouse purchases and aren't going anywhereSmaller NZ households, more solo living, and cultural shift: why the quarter-acre dream is changing — and what 22.8% single-person households means for compact housing demandWhy location outperforms property type every time Christchurch property market 2026: down from 8% undervalued to 2.3% — and why 25% townhouse penetration hasn't slowed the recovery Don't confuse a bad market cycle with a bad property type. And don't let three years of data substitute for thirty-two. 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

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

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

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

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

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

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

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