Become Wealth's Blog

The contagious effect: an increase in financial scams & business failures, and what you can do to avoid them.

New Zealand women are set to inherit a significant share of over $1.6 trillion in wealth. A practical guide to the great wealth transfer, the KiwiSaver gender gap, and protecting inherited assets.

Most investors hit the $50,000 FIF threshold without realising it. How FDR and CV methods work, and how to reduce your tax bill.

Low net yields, concentration risk and illiquidity can make rental property a poor fit for retirement. Why diversifying often works better.

Protect tomorrow by derisking your investment portfolio on the approach to retirement.

How KiwiSaver contributions, employer matching, tax, and withdrawals actually work. A plain English guide to the mechanics most Kiwis never read.

After tax and inflation, bank savings often go backwards. Why investing in productive assets is the only reliable way to build retirement wealth.

Your fixed mortgage term is ending. Weigh up refixing, floating or splitting the loan, and how to decide based on your financial situation.

Adviser spotlight: Psychology meets portfolio planning.

Adviser spotlight: Jonny McNamee, the adviser who loves a good puzzle, a clean fairway, and the feeling when clients finally exhale.

Two millionaires with identical net worth can have very different financial power. Why flexible capital matters more than locked-up assets.

The 9 biggest financial mistakes high income earners make, and how to avoid them.

Time, health and freedom are the real currencies of retirement. Why retiring early often beats retiring rich, and how to plan for it.

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

BOMAD helps many Kiwis onto the property ladder. The pros and cons of parental support, from deposits to protecting retirement.

Single New Zealanders often pay more per person for housing, utilities and groceries. The real cost of solo living and how to turn it around.

Adviser spotlight, meet Josh Copeland, a financial adviser who is passionate about helping people achieve their financial goals.

Outsourcing household chores could save time and boost happiness. How to weigh the costs, what to delegate and the research behind it.

How peer-to-peer lending works in NZ, the returns and risks involved, and what to consider before using P2P as part of your portfolio.

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

Adviser spotlight: meet Marcus Mannering, a guiding hand at Become Wealth.

Adviser spotlight: Vinessa Orsbourn, the longest-serving financial adviser at Become Wealth, focused on family protection and long-term security.

Self-insurance means setting aside your own funds instead of paying premiums. When it makes sense, when traditional cover is safer and how to decide.

How volunteering abroad can cut travel costs while offering cultural immersion and personal growth. Organised programmes, DIY options and more.

A bidding war is every buyer’s nightmare and seller’s dream. Here's how to start one (for sellers), and avoid one (for buyers).

Raising kids is expensive. It’s even more expensive when they grow up and won’t move out of the family home.

Retiring early? Common pitfalls Kiwis face, from underestimating costs to losing routine, and how better planning keeps you on track.

A massive wealth transfer from boomers to millennials is underway. What the generational shift means for New Zealand and how to prepare.

TV and social media shape spending habits. How the White Lotus effect works and how to enjoy aspirational travel without hurting your finances.

Seven practical ways to cut the cost of flights and accommodation overseas, from timing your bookings to maximising credit card rewards.

Seven of the worst financial mistakes to avoid in your 40s, 50s, and 60s.

What makes a business recession-resilient, sectors that cope better in downturns, and ways Kiwi owners can strengthen their position.

88% of millionaires are self-made. The real drivers of the wealth divide, from mindset and habits to asset ownership, and steps to close the gap.

Only 33% of New Zealanders trust the news. Why media incentives conflict with sound investing and how tuning out can protect your portfolio.

The middle class Kiwi Dream might feel like a moving target. Here’s what you can do about it.

Practical ways Kiwis can make more money and grow wealth, from side hustles to smarter investing and long-term financial planning.

When we need to cut back, is cancelling or reducing insurance cover a good move?

Rich boomers are stressed about passing on their wealth, here's why, and what they can do about it.

With deliberate effort and time, you can transform your life. How to turn detrimental habits into beneficial ones.

Research shows winners share common traits: persistence, self-control and continuous learning. How to apply these habits to your finances.