According to some research known as the Williams Group Study, 3,250 families were observed over 25 years: 70% of family wealth was lost by the second generation and 90% by the third generation. Read more

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

___

Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 

Affiliate Links*!

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

*Some links create a financial benefit.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!

Maintaining a healthy relationship with money requires ongoing self-reflection and 'adjustment'. Put another way, wealth isn't found in the accumulation of money, it's found in our growing influence. Money puts action into our intentions.

Read more

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 

Affiliate Links*!

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

*Some links create a financial benefit.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!

When you're trading your time for money, concentrating your investments can make sense. But come retirement, diversification helps manage the risk of losing what you've already built.

Concentration can lead to big wins or big losses - but sometimes, it's more luck than skill at play. Read more.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 

Affiliate Links*!

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

*Some links create a financial benefit.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!

Special thank you to Rajat Soni - if you like his style, be sure to check out @rajatsonifinance on YouTube.

Having an allocation to Bitcoin, or at least gold is really important. This isn’t about picking the next big thing, it’s about accumulating wealth outside of a system which is programmatically in decline.

So, this all brings me to today’s guest. Rajat Soni. Rajat is a CFA Charterholder who posts regularly about Bitcoin on X – so much so in fact, he recently got in trouble with the CFA institute. This is when he hit my radar, and when I decided to get him on the podcast.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Affiliate Links*!

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

*Some links create a financial benefit.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!

I prefer Colonel Mustard, in the Conservatory, with the Candlestick. over the most obvious shadowy superpowers of centralised authority most likely to blame, but….

Evidence is now abundantly clear that Bitcoin is more helpful for the environment than harmful, it’s not in fact used by criminals [more than ‘regular money’], and is in fact valuable (does $100k prove this yet?). Still, persistent narratives continue to paint it as detrimental. Read more

Easy Crypto: To buy and sell digital assets.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 

Affiliate Links*!

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

*Some links create a financial benefit.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!

Today's guest is Mike Taylor, CIO and founder of PIE Funds.

No one can guarantee an investment return because no one controls the market. You can show up prepared though, and with a strategy you stick to, you just might get lucky. Part of preparation involves knowing which market to fish in, and in what season. Read more.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 

Affiliate Links*!

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

*Some links create a financial benefit.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!

In the sacrosanct communion of frugality and dollar cost averaging, low-cost index funds are transubstantiated into the omnipotent force of compounding returns. For the rest, there's Bitcoin... Read more

Thank you to special guest Peter Dunworth, found of The Bitcoin Adviser.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

Brought to you in partnership with: Icehouse Ventures is a Kiwi Venture Capital firm investing in Kiwi startups since 2001. 

Affiliate Links*!

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

*Some links create a financial benefit.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!

Thou Shalt Not Sweat the Technique, Nor Disregard Nuance

The property market is a bit of a complex beast, but interest rates are [arguably] the primary driver. Prices will always follow interest rates. So, figure out what moves interest rates, and you can predict prices.

Read more.

Mike Jones is the Chief Economist at BNZ Bank

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 / pay for advice!

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

______________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

It’s not easy to understand all the views, but macro economics, geopolitical issues, cyclical and secular trends are the items we can’t control, but can find positions in.

One of the big concerns I would have right now around interest rates, is short termism, or myopia...[read more]

My special guest is Salt Funds Chief Economist, Bevan Graham.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

______________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!

Sarn Elliot, crypto consultant, is my special guest today and we're talking about how to 'be your own bank'.

If you’re not yet into Bitcoin and you’re aware the price is now at all time highs, don’t panic – you’re still very early. Education is so important around the basics of setting up your wallet, watching out for scams, and making sure you have some sort of game plan.

Better yet, take the free, 5-part online course Crypto 101: Crypto with Confidence, then sign up here to Easy Crypto, and download the Exodus Wallet to get started.

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

______________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Sharesight: For tracking and reporting on your portfolio

Revolut: For a new type of banking.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!

Today it’s about buying your first home, and your next home– my guest today followed, or is following, a really simple strategy: When it's down, it’s time to step it up.

Read more

Book in a free 15-min phone call with Darcy Ungaro (financial adviser).

Sign up to the fortnightly newsletter!

______________________

Affiliate Links!

I may receive a financial benefit if you click on these links.

The Bitcoin Adviser: Plan for intergenerational digital wealth.

Hatch: For US markets.

Sharesies: For local, and international markets.

Easy Crypto: To buy and sell digital assets.

Sharesight: For tracking and reporting on your portfolio

Exodus: Get rewards on your first $2,500 of swaps

Revolut: For a new type of banking.

Online courses:

The Home Buyers Blueprint: Get a better home; Get a better mortgage.

The KiwiSaver Millionaire Roadmap: Get a Rockstar Retirement!

New Wealth Foundations: Personal finance from a wealth-builder's perspective.

Take the free, 5-part online course Crypto 101: Crypto with Confidence

Get Social:

Check out the most watched/downloaded episodes here

Follow on YouTube , Instagram, TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn.

www.ungaro.co.nz

________________________

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 / pay for advice!