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When you borrow money, own a home, have kids, or even just enjoy the same group of friends, often your connection to it is via a partnership. You're jointly and severally entangled into all you know, love, and value.   If it all falls apart, wouldn't it be good to know the art in how you build back up again? Read More Bridget Jackson is a divorce coach and she heads up Equal Exes. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and...

Traditional Web2 finance will make progress, but eventually, Web3 will meet it in the middle. Ready to build wealth for the future - keep an open mind. Follow me Twitter: @UngaroDarcy Follow Charlie Twitter: @CyborgCharlie ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

As we're being kept safe from 'deflation due to recession', we're also losing the benefit of deflationary abundance. Check out the article mentioned here Connect with me on LInkedIn ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please act independently from any content provided in these episodes;...

Higher for Longer, or Lower and Sooner - in this one, we take a look at 'recency bias', and how a risk premium (due to geopolitics/war) may lead to higher rates for the foreseeable future. Chasing the Joneses In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success you're chasing. ______________________________________ Check out some online courses! Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social UGRO: For YOUR Wealth Instagram YouTube Darcy Ungaro Book a free 15-min chat LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! *Hatch *Sharesies *Easy Crypto Sharesight: (Get 5 months free) *CMC Markets *Revolut Bank *I may receive a financial benefit if you click on an affiliate link. Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own...

The US Fed appears to be talking a tough game, and right when all the talk in NZ made it sound like a 'done deal', early signals are calling for another hike (or two) to our OCR. We are NOT out of the woods yet. So is it 'lower and sooner', or higher for longer - today I'm talking about recessions and depressions. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account....

The bitcoin ETF, is the 60/40 portfolio dead, and is Darcy Ungaro a bitcoin maxi? Special thank you to Jeff Nijsse, host of the Blockchain NZ Podcast. Check it out here Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own...

To choose the best time to lock in your mortgage rate, you need to get three things right: How much will rates change? Which direction will rates go, and when will the rates change. It may seem like a lot of work, but think of the potential reward - if you timed it right at the bottom of the interest rate cycle, you would still be paying less than 3% with almost two years to go. Read more here. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please

Part 2: Mortgage Strategy 2024 / CHA$ING THE JONE$E$ Have time on your hands? You're more likely to engage in low-value activities. Net immigration is high? Expect higher rents and house prices later on. Too much new credit creation? Watch interest rates fall first (price of money falls with higher supply), then watch them rise? New money supply hits asset values first, then the things we need for living. Credit growth can't outpace the production of more 'stuff' (GDP) because then, inflation. Ready to catch up and review your own mortgage? Make a time with Darcy here. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets a...

Part 1: Mortgage Strategy 2024 / CHA$ING THE JONE$E$ Is the ‘real’ cost of pursuing a 'secure' retirement quantified by NOT pursuing the upgraded kitchen today? The trick for individuals and as a collective is to optimise over both time zones of today, and tomorrow: 'The already and the 'not yet'. The government's the same: Optimise for long-term economic growth, or address the social needs of today? Ready to catch up and review your own mortgage? Make a time with Darcy here. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets a href="https://revolut.ngih.net/c/4753264/1765204/9626" rel="noopener noreferrer"...

Optimism is returning to the market as interest rate drops may be on the horizon. The bottom may be in - it's early days and we're not out of the woods yet, but those thinking of selling this year, or buying, should pay attention to the pieces falling into place. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

A 1-10% allocation towards bitcoin may improve performance of an overall portfolio, without an out-sized increase in volatility. Read more here US M2 FRED - https://fred.stlouisfed.org/series/WM2NS Yield curve FRED - https://fred.stlouisfed.org/series/T10Y2Y How to take self custody step by step article written by kiwis for kiwis - https://kiwibitcoinguide.org/articles-and-guides/how-to-set-up-a-bitcoin-wallet-and-buy-your-first-bitcoin-for-beginners/ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not

Interest rates may be Higher for longer, or we may transition into an age of abundance. In the meantime though lower interest rates for 2024 is likely what we’re getting. The US Fed Indicated this late last year, and the RBNZ will likely follow suit– we’ll know in a couple weeks. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial...