Become Wealth's Blog

Real financial guidance for New Zealanders, from professionals advising on over $1 billion in client funds. Independently ranked a top 50 worldwide finance and investing blog.

Mortgage Differences Between NZ Banks

Mortgage Differences Between NZ Banks

If you're borrowing, NZ banks are now more different than ever. Here's how.
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18 Ways to Save On Household Bills

18 Ways to Save On Household Bills

Take control of your finances so you can direct your hard-earned money to what really matters.
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How To Invest in Gold, A Beginners Guide

How To Invest in Gold, A Beginners Guide

How to buy gold in NZ, whether it holds real value, and how it compares to productive assets like shares and property.
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One-third of Millennials are living with parents

One-third of Millennials are living with parents

More young adults live with their parents today than in any other arrangement. The financial and social factors driving this trend in NZ.
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Is a Tiny House Right for You in New Zealand?

Is a Tiny House Right for You in New Zealand?

6 reasons why tiny houses aren't a good idea, and 3 situations when they could be.
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An investing story from Antarctic explorers

An investing story from Antarctic explorers

What can investors learn from a race between Antarctic explorers? Three incredible lessons.
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Is the Kiwi Dream Changing for Home Buyers?

Is the Kiwi Dream Changing for Home Buyers?

Step aside “boat, beamer, bach”, the traditional Kiwi dream might have changed for good.
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Negative Real Rate of Return on Term Deposits

Negative Real Rate of Return on Term Deposits

After inflation and tax, many NZ term deposits deliver a negative real return. How the maths works and what alternatives could protect your wealth.
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What Changes Have Been Made to KiwiSaver?

What Changes Have Been Made to KiwiSaver?

KiwiSaver contribution rates are rising while the government contribution is being halved. The key changes and what to do about them.
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Why Small Businesses Fail – And How to Avoid It

Why Small Businesses Fail – And How to Avoid It

Most NZ businesses fail within five years. Common causes include cash flow problems, poor planning and rising costs, plus how to improve your odds.
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Mortgage Interest Rates Start to Fall

Mortgage Interest Rates Start to Fall

NZ interest rates have just been cut for the first time in over four years, and more cuts are coming.
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Comeback Begins for Entry Level Buyers

Comeback Begins for Entry Level Buyers

Recent research confirms what many of us may have been thinking: things are looking better for first home buyers.
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The Fourth Industrial Revolution and Your Finances

The Fourth Industrial Revolution and Your Finances

Automation, AI and digital disruption are reshaping careers and investments. What the fourth industrial revolution could mean for your finances.
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Will Mortgage Interest Rates Rise in 2026?

Will Mortgage Interest Rates Rise in 2026?

Several major NZ lenders have nudged longer-term fixed rates up. What is driving mortgage rate movements and how borrowers can position themselves.
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What Will Happen to NZ House Prices Next?

What Will Happen to NZ House Prices Next?

Rate cuts, economic recovery and migration point to modest NZ house price growth. What forecasts say and what it means for buyers and investors.
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How to Avoid Supermarket Rip-Offs

How to Avoid Supermarket Rip-Offs

28 rip-offs to avoid, so you can have more left in your bank account after your next supermarket shop.
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How to prepare for a home auction

How to prepare for a home auction

Discover how to prepare your home for auction in NZ, from presentation and marketing to setting the right reserve price.
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How the Rich Spend Their Money in 2026

How the Rich Spend Their Money in 2026

Seven ways the rich spend their money, and what you can learn from them.
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Why are credit card interest rates so high?

Why are credit card interest rates so high?

NZ credit cards still charge around 20% while other borrowing costs have fallen. Why rates stay high and three steps to reduce what you pay.
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How to Avoid Investment Scams

How to Avoid Investment Scams

Kiwis lose $265 million a year to fraud. Five red flags, four verification steps, and how to protect yourself from common scams.
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Financial Wellbeing in Retirement

Financial Wellbeing in Retirement

From downsizing your home early to choosing the right retirement investments. Eight practical steps to make your golden years financially secure.
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How To Become A Millionaire in 2026

How To Become A Millionaire in 2026

7 steps to become a millionaire, even if you have nothing to begin with.
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What Is Greenwashing? Spotting Fake ‘Eco’ Claims

What Is Greenwashing? Spotting Fake ‘Eco’ Claims

Greenwashing misleads consumers and investors with false environmental claims. How to spot it in products and funds.
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What is a financial liability?

What is a financial liability?

A financial liability is anything dragging your net worth backwards. Five liabilities you might not have considered, and how to address them.
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What Is Investment Risk? And How to Manage It

What Is Investment Risk? And How to Manage It

Risk is the potential for uncontrolled loss of something of value. The biggest investment risk is one you might not have considered: you.
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What Is an Investment Horizon?

What Is an Investment Horizon?

Your investment horizon shapes every decision you make with money. Why matching investments to your timeframe is the foundation of a sound plan.
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Mortgage War Between Banks Escalates

Mortgage War Between Banks Escalates

Make the most of the ongoing battle between banks and other mortgage lenders.
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What to Do with a Windfall: Bonus, Lotto or Inheritance

What to Do with a Windfall: Bonus, Lotto or Inheritance

Received an inheritance, bonus or other lump sum? Seven steps to protect and grow the windfall instead of watching it disappear.
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Lifestyle Creep: A Complete Guide

Lifestyle Creep: A Complete Guide

6 ways to avoid the lethal financial trap of lifestyle creep, and when we should embrace it, instead.
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Financial Lessons You Wish You Knew as a Teenager

Financial Lessons You Wish You Knew as a Teenager

Imagine if what we know now about finances, we knew back in our teen years. How much better off would we all be?
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9 Mistakes to Avoid When You’ve Got a New Zealand Mortgage

9 Mistakes to Avoid When You’ve Got a New Zealand Mortgage

From treating your mortgage as set and forget to using home equity like an ATM. Nine costly mistakes homeowners make and the smarter alternatives.
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What Is Minimalism? A Simple Money Guide

What Is Minimalism? A Simple Money Guide

Minimalism can cut expenses, reduce debt and help you save. Four ways a simpler lifestyle supports financial health, and one key limitation.
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Top Investment Tips from Warren Buffett

Top Investment Tips from Warren Buffett

Billionaire Warren Buffett is probably the world’s most successful investor. Six tips to invest just like him.
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Why Mortgage Applications Are Getting Harder

Why Mortgage Applications Are Getting Harder

Major NZ banks have raised mortgage servicing test rates, making it harder to qualify. What this means and how to improve your position.
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Your Boomerang Kids Could Ruin Your Retirement

Your Boomerang Kids Could Ruin Your Retirement

Many parents support adult children at the cost of their own retirement. Five risks to watch for and smarter ways to help without going backwards.
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Who Wins in a Recession? Position Yourself Well

Who Wins in a Recession? Position Yourself Well

Recessions create winners and losers. Seven steps to position yourself for growth while others pull back, from boosting income to investing more.
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What Is a Recession? And How It Hits Your Wallet

What Is a Recession? And How It Hits Your Wallet

What a recession is, how they have shaped New Zealand's economy, and practical steps to protect your finances during an economic downturn.
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NZ Housing Policy Changes: What They Mean for You

NZ Housing Policy Changes: What They Mean for You

In March 2021, the New Zealand Government announced a suite of housing policy changes. Here's the analysis.
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Make the Most of Current Mortgage Interest Rates

Make the Most of Current Mortgage Interest Rates

The return of first home buyers and property investors and a changing mortgage interest rate environment.
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Mortgage Lending on the Rise: Will NZ House Prices Increase?

Mortgage Lending on the Rise: Will NZ House Prices Increase?

Mortgage lending is soaring in NZ. What is driving demand, what it could mean for buyers and investors, and how to borrow more wisely.
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