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.

Why Spending Your Kids’ Inheritance Can Make Sense

Why Spending Your Kids’ Inheritance Can Make Sense

Most retirees underspend and die with portfolios intact. Five reasons to enjoy your money now, plus a practical drawdown framework.
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Insurance Advisers Can Ensure You Get a Big Payout

Insurance Advisers Can Ensure You Get a Big Payout

Five ways an insurance adviser can maximise your chances of securing a significant payout.
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Why an Emergency Fund Is Essential for Security

Why an Emergency Fund Is Essential for Security

39% of Kiwis could not access $5,000 in a week without debt. Why an emergency fund matters, how much to save, and how to start building one.
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The biggest millennial money mistake

The biggest millennial money mistake

Kiyosaki argues parents who bankroll adult children do more harm than good. Why financial independence requires letting go of the safety net.
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How to Increase Your Wealth Faster in New Zealand

How to Increase Your Wealth Faster in New Zealand

Building wealth isn't about having more money. It's about the freedom to live life on your own terms. Here's a checklist to get you there.
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The Best Financial Start to 2026

The Best Financial Start to 2026

Eight steps to start the new year financially strong, from goal setting and earning more to investing in yourself and protecting your family.
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Stocks vs Real Estate: Which Is Better?

Stocks vs Real Estate: Which Is Better?

Compare shares and property as investments in New Zealand. Returns, risk, effort and tax treatment to help decide which suits your goals.
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Property Investment Strategies Every Kiwi Should Know

Property Investment Strategies Every Kiwi Should Know

Two core approaches to residential property investment in NZ. How buy-and-hold and renovation methods work, who they suit and the pitfalls to avoid.
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What Happens to Your KiwiSaver Account When You Separate?

What Happens to Your KiwiSaver Account When You Separate?

Understand how KiwiSaver is treated during divorce or separation and what happens to your savings in a relationship split.
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Retirement Fears and How To Overcome Them

Retirement Fears and How To Overcome Them

Ten common retirement fears Kiwis face, from running out of money to losing purpose, with practical planning steps for each one.
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Stay Together – Protect Your Wallet

Stay Together – Protect Your Wallet

How money affects relationships, common financial conflicts couples face and practical steps to build a healthier money partnership.
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Investments You Can Own Forever

Investments You Can Own Forever

Discover types of investments you can potentially hold for decades, and what long‑term, buy‑and‑hold strategies can mean for Kiwi investors.
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Investing Myths That Could Be Costing You Money

Investing Myths That Could Be Costing You Money

Common investing myths debunked so you can avoid bad assumptions and make clearer long‑term decisions.
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Stop Buying Lattes and Get Rich?

Stop Buying Lattes and Get Rich?

The latte factor is popular financial advice, but does cutting small expenses actually build wealth? Why bigger money decisions matter far more.
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The Power of Split Banking to Manage Your Money

The Power of Split Banking to Manage Your Money

Using more than one bank can help manage risk, negotiate better deals and separate everyday spending from long-term wealth building.
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Are You Investing Too Much into KiwiSaver?

Are You Investing Too Much into KiwiSaver?

Find out if you’re investing too much into your KiwiSaver account with our checklist.
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Learn to Spend in Retirement Without Guilt

Learn to Spend in Retirement Without Guilt

Retirees often fear spending their nest egg. Learn how to enjoy retirement income without running out.
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How to Diversify Your Investments the Smart Way

How to Diversify Your Investments the Smart Way

Make your finances as indestructible as possible by diversifying your investments and learning simple ways Kiwis can spread risk.
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How to Become Financially Stable

How to Become Financially Stable

Practical steps to become financially stable, from budgeting and debt reduction to building savings and a solid long‑term money plan.
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How Often Should I Check My Portfolio?

How Often Should I Check My Portfolio?

Learn how often you should check your investment portfolio, why over‑monitoring can hurt returns and how to stay focused on long‑term goals.
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Financial Mistakes to Avoid in Your Twenties and Thirties

Financial Mistakes to Avoid in Your Twenties and Thirties

Five key financial mistakes to avoid in your 20s and 30s, from bad debt to lifestyle creep, so you can build a stronger financial base in NZ.
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What Happened to My KiwiSaver Balance?

What Happened to My KiwiSaver Balance?

Wondering what happened to your KiwiSaver balance? Understand market movements, fees and contributions so short‑term swings make more sense.
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When to Sell a Share: Know the Right Time to Exit

When to Sell a Share: Know the Right Time to Exit

Unsure when to sell a share? Learn common sell signals, mistakes to avoid and how to tie decisions to your investment plan.
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Why Your Term Deposits Could Be Your Worst Enemy

Why Your Term Deposits Could Be Your Worst Enemy

Term deposits feel safe, but inflation, low returns and limited access can quietly erode your wealth. Seven drawbacks every NZ saver should know.
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Our Wealthiest Clients All Share These Habits

Our Wealthiest Clients All Share These Habits

You don’t need a fancy job title to build wealth. Discover the real habits and behaviours of the wealthy.
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The 31 March Deadline: An EOFY Checklist for NZ Business Owners

The 31 March Deadline: An EOFY Checklist for NZ Business Owners

The tax timing decisions, balance sheet checks and wealth moves every small business owner should make before financial year end.
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Understanding Deflation: Insights for New Zealanders

Understanding Deflation: Insights for New Zealanders

Understand what deflation is, how it can affect New Zealand’s economy, and what it might mean for borrowers, savers and long‑term investors.
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Should You Buy Land to Build a House in NZ?

Should You Buy Land to Build a House in NZ?

Thinking of buying land to build a house in New Zealand? Understand finance, consents and key risks before you commit to a section.
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Fractional Shares: Own a Slice of the Market

Fractional Shares: Own a Slice of the Market

Understand fractional shares, how they let you invest smaller amounts in big companies, and the pros and cons for Kiwi investors.
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NZ Rent Forecast: What Tenants Can Expect

NZ Rent Forecast: What Tenants Can Expect

Rents in New Zealand rarely fall. This article explores five reasons rental prices keep rising and what it means for tenants, landlords and investors.
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Early Retirement Guide for Kiwis in 2026

Early Retirement Guide for Kiwis in 2026

Plan early retirement in New Zealand with smart investing, KiwiSaver strategies and debt-free living so your savings last the distance.
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Is It Smart to Pay Off Your Mortgage Early?

Is It Smart to Pay Off Your Mortgage Early?

Find out how to pay off your mortgage early, how much interest you can save, and when early repayment makes the most sense.
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What Is a Non‑Bank Lender? Your NZ Guide

What Is a Non‑Bank Lender? Your NZ Guide

Non-bank lenders are becoming more mainstream and can be a useful option for borrowers who may not meet traditional bank lending criteria.
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What to Consider When Buying an Investment Property

What to Consider When Buying an Investment Property

A comprehensive NZ guide to buying your first or next investment property, from deposits and borrowing power to location, property types and tax.
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How to Get Out of Bad Debt for Good

How to Get Out of Bad Debt for Good

Learn how to get out of bad debt step‑by‑step, from prioritising balances to building habits that keep you debt‑free.
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What Is Bad Debt? And How to Avoid It

What Is Bad Debt? And How to Avoid It

Not all debt is equal. The difference between good and bad debt, how high-interest borrowing can trap you, and practical steps to take back control.
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Mortgage Debt to Income Ratio (DTI)

Mortgage Debt to Income Ratio (DTI)

Learn what a debt‑to‑income ratio is, why banks use it, and how your DTI can affect borrowing power in the New Zealand market.
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You're Saying It All Wrong: What the Wealthy Tell Themselves

You're Saying It All Wrong: What the Wealthy Tell Themselves

The wealthy choose their words carefully. Six powerful phrases successful people use to shape their mindset around money, risk and opportunity.
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Why Living to 100 is Your Greatest Financial Risk

Why Living to 100 is Your Greatest Financial Risk

Can you afford to live to 100? Explore longevity risk, retirement income planning and how to make savings last.
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Your Christmas Financial Blueprint

Your Christmas Financial Blueprint

A nine-step financial checklist to help you enjoy Christmas and the summer holidays without starting the new year buried in debt.
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