I wanted to get a lot of stuff done this recent Saturday. I was picking up a mini-excavator to finish some drainage. I wanted to get the kids on a bit of a working bee, and I had to get a couple reports out before Monday too. I had it all planned out. Then it rained – no more drainage project. Minor set back. Except, at the same time we discovered our water tanks which supply our house were empty – a cracked water pipe feeding the tanks from the house was to blame – I had to get some water in those bad boys and fast, or deal with the Wrath of Wife*. I wanted to take ground this weekend / get s ..read more

If you’re prepping for, building up, coming in for a landing or even already there – you need to keep an open mind. How open? Somewhere in between concrete conviction, and a mind so open everything falls out. If you want more, do more. If you want different –think different. If things have become hard – work harder. If you’re stuck somewhere try something new. If you’re  interested in building wealth, or you’re already on your way. Wanting wealth is awesome, but it’s not enough. Unfortunately, the way we build wealth in the new world may different to how we do it today. So all this to sa ..read more

SHEILD: Want to ‘take ground’ but feeling unsure?   Invest with confidence, knowing the following 5 areas of personal finance are sorted.   S – Savings (Emergency Fund): How much you need in your emergency fund is determined by the likelihood of you suffering a financial loss, the value of this loss, and the time it takes to recover: Normally, I’d recommend 3-6 months’ worth of your living expenses be retained for an emergency fund. Where to store it? Ideally by using an account that’s not easily accessible, you’ll increase the odds it will still be there when you need it. The two b ..read more

I know a lot of people in ‘building mode’ want to make the best use of what they have – Is this you?   Do you want an income ready for when you’re not working in the day job?   If so, be prepared for a couple steps forward, and the odd step back too – It’s more important for everyday people to build wealth these days, but it’s also more challenging too.   How on earth outside of an inheritance or winning lotto can you make it big?   Is being wealthy even possible these days?   While I’m hoping the world will change for the better, I’m still learning how to play the gam ..read more

In a world where we’re often told what to do and what to accept as normal, it’s easy to fall into the trap of aiming for “good enough.” Take passive index-fund investing for example. I do a bit of this myself. We’re told through not-so-subtle marketing, that the ‘data says’. The data says it’s impossible to beat ‘average’ when it comes to returns over the long-term for example. So don’t even bother thinking about, just buy our fund! But there’s a spark in many of us that refuses to settle for average. When we stretch beyond the confines of what’s considered “good enough,” we tap into a wellspr ..read more

The more I learn about how people actually build wealth, the more cautiously I prescribe diversification.   We’re sold index funds, but businesses and property are often what really move the needle.   Reliance on compounding returns from dollar cost averaging is awesome, yes. But what happens if you can see the future? Why not back yourself?   Take gold & silver, for example. No one’s shouting this from the rooftop, but during key times, it can perform well.   You’re a bit ‘crazy’ for investing in physical precious metals in NZ, though.    So why Gold and silv ..read more

Are you an everyday person looking for a way to build wealth and achieve financial freedom? You’re not alone. Many people dream of becoming rich, but few understand the essential components of a financial strategy framework that can help them get there. In this article, we’ll explore these five key components and how you can use them to build your own financial success. Component 1: Purpose Your purpose is the ‘why’ that anchors your specific goals to meaning. It’s the reason why you’ve been put on this planet and what provides meaning and fulfillment in your life. To define your purpose, as ..read more

My first BMX bike in 1983 was ‘The Boa Constrictor’. It was a beast of a machine, all chrome and adrenaline. I was Evel Knievel, tearing down suburban streets listening to ‘The Police’ on my Sony Walkman. And no, all without a helmet—because, well, the ’80s. One day in early spring with snow and gravel on the road still, I got distracted by a car coming the other way. Panic surged through my veins. I swerved, lost control, and went flying. The next thing I remember, I was picking stones out of my skull for weeks. That BMX crash was my earliest lesson in risk-taking. Thrill-seeking had a price ..read more

In the coming years, there’s a non-zero chance we may witness a significant financial event known as a currency reset. A currency reset could work as it would allow governments to repay their debts in the new world by making their currency worthless, thus reducing the real value of their obligations. This reset could potentially even involve a debt jubilee, where outstanding debts are forgiven, and a shift to a new global financial system occurs. While this may seem like a crazy possibility (and it is only a possibility), it would present a unique opportunity for those who are early in reali ..read more

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