Show Notes
Everyone's heard of financial advisers. Far fewer people actually have one. This week Nefe and Stevie answer the question they get asked all the time — is it actually worth it? The answer might surprise you. In this episode: What a financial adviser actually does — and why they're not just for people with serious money The Canadian study that found families with financial advisers built three times the wealth after 7–14 years — and four times after 15 years Why the magic isn't genius-level advice — it's having someone keep you from making emotional decisions with your money The five types of financial advisers in NZ, what each one does, and which one you actually need What financial advice costs — and why a lot of it is free The worst financial advice Nefe and Stevie have ever heard — and whether there's anything they've said that they wouldn't say today The developer handing out "instant equity" spreadsheets — and why that's not financial advice, it's a sales pitch The client who only wanted to invest in Parnell and Remuera — and the maths that changed their mind Financial advice isn't a luxury. For most New Zealanders, it's the difference between building wealth and wondering where it all went. Women should own half the world. Come own it with us. Instagram @SheOwnsThispodcast
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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 operating Airbnb rules compared across Christchurch, Auckland, Queenstown Lakes and beyond: night limits, consent requirements and the councils cracking down hardest The GST trap: why some Christchurch one-bedroom apartments advertised at $265,000 actually cost over $300,000 once GST is added The 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 cost Why 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
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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 NZ The NZ consumer data most people haven't seen The three psychological tricks that make BNPL feel different from debt Why $100 a fortnight in BNPL repayments redirected into an index fund at 8% average annual return could earn you Buy 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: SheOwnsThispodcast YouTube: 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 type 32 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 demand Why 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 anywhere Smaller 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 demand Why 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