The Become Wealth Blog

Learn how to draw down your retirement savings strategically, so your money lasts and supports your lifestyle throughout retirement.

Understand open banking in NZ, how data‑sharing works, what it means for your finances, and the opportunities and risks to be aware of.

Explore why retiring early can beat retiring wealthy, and how time, freedom and smart planning can matter more than a huge balance.

Get ready financially for parenthood in New Zealand, from budgeting and insurance to KiwiSaver and planning for your child’s future needs.

Understand the pros and cons of using the Bank of Mum and Dad in NZ, from deposits and guarantees to protecting family relationships and your own retirement.

Nineteen things to stop buying if you want to save more, cut clutter and focus spending on what really matters.

Learn how to retire on your terms with a clear retirement plan, including savings, investing and lifestyle choices tailored to you.

Explore key property investment strategies in NZ, from buy‑and‑hold to renovations, and learn what to weigh up before growing your property portfolio.

Assess how safe your job really is, the signs your role or industry may be at risk, and steps Kiwis can take now to protect income and career options.

Apply Swedish death cleaning to your digital life by decluttering files, accounts and data so you leave less mess behind.

Meet the CEO of Become Wealth, Joseph Darby, a financial adviser with experience helping clients across New Zealand.

Understand how KiwiSaver is treated during divorce or separation and what happens to your savings in a relationship split.

Should you outsource household tasks? Weigh up the costs and benefits of cleaners, childcare and more, and how it can affect your finances.

See how peer‑to‑peer lending works in NZ, the returns and risks involved, and what to weigh up before using P2P platforms as part of your investment strategy.

Discover how Become Wealth surpassed $1 billion in funds under advice and what this growth means for our clients and advisory team.

Before a major purchase, ask these essential questions to check affordability, value and long‑term impact so you avoid buyer’s remorse.

Understand what deflation is, how it can affect New Zealand’s economy, and what it might mean for borrowers, savers and long‑term investors.

Want a bigger home deposit? Explore practical ways Kiwis can save faster, boost contributions and improve their chances with lenders and first‑home goals.

Learn what self‑insurance is, when it can make sense and when traditional insurance cover is usually safer.

See how stock market crashes can change your life for the better if you stay calm, stick to a plan and use volatility as opportunity.

Getting divorced? Follow a financial roadmap for separating assets, managing debt and protecting your future in New Zealand.

Explore common retirement fears Kiwis face—like running out of money—and practical planning steps to feel more confident about the future.

Considering buying a house with friends in NZ? Explore the benefits, risks and legal protections you should put in place first.

Learn how many wealthy New Zealanders tend to invest, including diversification, risk management and long‑term wealth management strategies.

Unsure about life insurance when you retire? Learn when cover still makes sense, what to review and how a life insurance adviser can help NZ retirees.

Explore how money affects relationships, common financial conflicts couples face, and practical steps to build a healthier money partnership.

Decode the signs your boss may want to give you a raise and how to prepare for the conversation so you can confidently ask for more.

Build a legacy beyond wealth by focusing on values, relationships and impact, as well as the assets you leave behind.

Learn some of the beliefs and stories the wealthy tell themselves about money, risk and opportunity—and what you can adopt.

Explore investment options that may suit under‑65s in NZ, balancing growth and risk as you move through different life stages.

Explore genuine credit card benefits—rewards, protection and convenience—plus how to avoid interest and fees eroding the upside.

Thinking of retiring early? Explore the common early retirement pitfalls Kiwis face and how better planning for retirement can keep your lifestyle on track.

Practical ways to teach your kids about personal finance, from pocket money and saving to smart spending habits and simple investing ideas.

Learn how credit card balance transfers work in NZ, potential savings, common traps and when consolidating debt can help your finances.

Understand estate planning in New Zealand, from wills and trusts to enduring powers of attorney, so your assets are protected and your wishes are carried out.

Identify poor financial habits that quietly drain your wealth, and simple behaviour changes that can have a big impact over time.

A fresh look at “good” versus “bad” debt, and why in some cases taking on more of the right kind of debt can help build wealth.

Spot financial red flags in a partner, from secret debt to money control, and learn how honest conversations can protect both love and finances.

Thinking of buying land to build a house in New Zealand? Understand finance, consents and key risks before you commit to a section.

Understand fractional shares, how they let you invest smaller amounts in big companies, and the pros and cons for Kiwi investors.