NZ Everyday Investor

For everyday people struggling to get ahead in a system that feels rigged, the path to financial security does not in fact, come from getting the degree, working hard, and trying to be liked. That’s the old world. In the new world, to build new wealth, we have to quest for objective truth. Really? Sounds a bit full on [https://ungaro.co.nz/how-to-get-ahead-when-youre-an-everyday-person/]. Check out Cody Ellingham [https://www.thetransformationofvalue.com/] on the Transformation of Value Podcast [https://www.thetransformationofvalue.com/]. Book in a free 15-min phone call [https://calendly.com/ungaro/15min] with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! [https://ungaro.co.nz/everydayinvestor/] Brought to you in partnership with Icehouse Ventures [https://www.icehouseventures.co.nz/startupinvesting?utm_source=NZEDI+Newsletter&utm_medium=email&utm_campaign=NZEDI], Provincia [https://www.provincia.co.nz/], UGRO Wealth [https://ungaro.co.nz], and Gorilla Technology [https://gorillatechnology.com/]. Affiliate Links*! The Bitcoin Adviser [https://content.thebitcoinadviser.com/darcy-ungaro]: Plan for intergenerational digital wealth. Hatch [https://app.hatchinvest.nz/share/uqhcj8y8]: For US markets. Sharesies [https://sharesies.com/r/RRPR6X]: For local, and international markets. Easy Crypto [https://easycrypto.com/nz?ref=19599]: To buy and sell digital assets. Sharesight [https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor]: For tracking and reporting on your portfolio Exodus [https://onelink.to/exodus-referral?referral=true&referrerId=QNQEAJ]: Get rewards on your first $2,500 of swaps Revolut [https://revolut.ngih.net/c/4753264/1765204/9626]: For a new type of banking. *Some links create a financial benefit. Online courses: The Home Buyers Blueprint [https://darcy-ungaro.mykajabi.com/offers/RmxbdY5W]: Get a better home; Get a better mortgage. The KiwiSaver Millionaire Roadmap: [https://ungaro.co.nz/the-kiwisaver-millionaire-roadmap-course/] Get a Rockstar Retirement! New Wealth Foundations: [https://ungaro.co.nz/build-your-wealth-foundations-course2/] Personal finance from a wealth-builder's perspective. Take the free, 5-part online course Crypto 101: Crypto with Confidence [https://ungaro.co.nz/coaching-crypto101-cryptowithconfidence/] Get Social: Check out the most watched/downloaded episodes here [https://ungaro.co.nz/everydayinvestor/] Follow on YouTube [https://www.youtube.com/@NZEverydayInvestor], Instagram [https://www.instagram.com/ugro_invest/], TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn [https://www.linkedin.com/in/darcy-ungaro-a1703024/]. www.ungaro.co.nz [https://my.captivate.fm/www.ungaro.co.nz] ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Decades of punchdrunk capital gains now yield to occasional night terrors of leaky taps and flooded basements. Sure, it’s most likely the cyclical blues preceding a full scale recovery in the residential space, but part of this is vibe shift. So if commercial property 'just makes more sense', what's the playbook? Joining me to discuss is Jack Revill and Carl Burling from Provincia [https://www.provincia.co.nz/], an unlisted property fund for wholesale investors. Book in a free 15-min phone call [https://calendly.com/ungaro/15min] with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! [https://ungaro.co.nz/everydayinvestor/] Brought to you in partnership with Icehouse Ventures [https://www.icehouseventures.co.nz/startupinvesting?utm_source=NZEDI+Newsletter&utm_medium=email&utm_campaign=NZEDI], Provincia [https://www.provincia.co.nz/], UGRO Wealth [https://ungaro.co.nz/], and Gorilla Technology [https://gorillatechnology.com/]. Affiliate Links*! The Bitcoin Adviser [https://content.thebitcoinadviser.com/darcy-ungaro]: Plan for intergenerational digital wealth. Hatch [https://app.hatchinvest.nz/share/uqhcj8y8]: For US markets. Sharesies [https://sharesies.com/r/RRPR6X]: For local, and international markets. Easy Crypto [https://easycrypto.com/nz?ref=19599]: To buy and sell digital assets. Sharesight [https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor]: For tracking and reporting on your portfolio Exodus [https://onelink.to/exodus-referral?referral=true&referrerId=QNQEAJ]: Get rewards on your first $2,500 of swaps Revolut [https://revolut.ngih.net/c/4753264/1765204/9626]: For a new type of banking. *Some links create a financial benefit. Online courses: The Home Buyers Blueprint [https://darcy-ungaro.mykajabi.com/offers/RmxbdY5W]: Get a better home; Get a better mortgage. The KiwiSaver Millionaire Roadmap: [https://ungaro.co.nz/the-kiwisaver-millionaire-roadmap-course/] Get a Rockstar Retirement! New Wealth Foundations: [https://ungaro.co.nz/build-your-wealth-foundations-course2/] Personal finance from a wealth-builder's perspective. Take the free, 5-part online course Crypto 101: Crypto with Confidence [https://ungaro.co.nz/coaching-crypto101-cryptowithconfidence/] Get Social: Check out the most watched/downloaded episodes here [https://ungaro.co.nz/everydayinvestor/] Follow on YouTube [https://www.youtube.com/@NZEverydayInvestor], Instagram [https://www.instagram.com/ugro_invest/], TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn [https://www.linkedin.com/in/darcy-ungaro-a1703024/]. www.ungaro.co.nz [https://my.captivate.fm/www.ungaro.co.nz] ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

The price per ounce of gold hit $3,500 recently – up over 30% now this year alone. Why is gold pumping so hard? Read more. [https://ungaro.co.nz/the-great-gold-grab-a-monetary-reset-normies-cant-see/] Andy Schectman is the CEO and co-founder of Miles Franklin (Gold dealers). Mortgage Master Strategy 2025: Fix, Float, or Flex? Bring your questions and get the straight facts on how long to fix your mortgage in a year shaped by Trump’s tariffs and global uncertainty. Now’s the time to get clarity on the smartest moves for your home loan-before the market makes the decision for you - keen to attend? Sign up to the fortnightly newsletter! [https://ungaro.co.nz/everydayinvestor/] Book in a free 15-min phone call [https://calendly.com/ungaro/15min] with Darcy Ungaro (financial adviser). Brought to you in partnership with: Icehouse Ventures [https://www.icehouseventures.co.nz/startupinvesting?utm_source=NZEDI+Newsletter&utm_medium=email&utm_campaign=NZEDI] is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.  Affiliate Links*! The Bitcoin Adviser [https://content.thebitcoinadviser.com/darcy-ungaro]: Plan for intergenerational digital wealth. Hatch [https://app.hatchinvest.nz/share/uqhcj8y8]: For US markets. Sharesies [https://sharesies.com/r/RRPR6X]: For local, and international markets. Easy Crypto [https://easycrypto.com/nz?ref=19599]: To buy and sell digital assets. Sharesight [https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor]: For tracking and reporting on your portfolio Exodus [https://onelink.to/exodus-referral?referral=true&referrerId=QNQEAJ]: Get rewards on your first $2,500 of swaps Revolut [https://revolut.ngih.net/c/4753264/1765204/9626]: For a new type of banking. *Some links create a financial benefit. Online courses: The Home Buyers Blueprint [https://darcy-ungaro.mykajabi.com/offers/RmxbdY5W]: Get a better home; Get a better mortgage. The KiwiSaver Millionaire Roadmap: [https://ungaro.co.nz/the-kiwisaver-millionaire-roadmap-course/] Get a Rockstar Retirement! New Wealth Foundations: [https://ungaro.co.nz/build-your-wealth-foundations-course2/] Personal finance from a wealth-builder's perspective. Take the free, 5-part online course Crypto 101: Crypto with Confidence [https://ungaro.co.nz/coaching-crypto101-cryptowithconfidence/] Get Social: Check out the most watched/downloaded episodes here [https://ungaro.co.nz/everydayinvestor/] Follow on YouTube [https://www.youtube.com/@NZEverydayInvestor], Instagram [https://www.instagram.com/ugro_invest/], TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn [https://www.linkedin.com/in/darcy-ungaro-a1703024/]. www.ungaro.co.nz [https://my.captivate.fm/www.ungaro.co.nz] ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Show me where in the wallet the salesman touched you. These three groups have the ability to influence your wealth significantly, but they all hold secrets: Financial advisers, product manufacturers, and regulators. At an organisational, and individual level, incentives abound in each of these three groups. Incentives which may or may not be aligned with yours. Read more [https://bit.ly/3EyE50c] Special thanks to Jeff Royle and David Hart for having this conversation with me. Book in a free 15-min phone call [https://calendly.com/ungaro/15min] with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! [https://ungaro.co.nz/everydayinvestor/] Brought to you in partnership with: Icehouse Ventures [https://www.icehouseventures.co.nz/startupinvesting?utm_source=NZEDI+Newsletter&utm_medium=email&utm_campaign=NZEDI] is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.  Affiliate Links*! The Bitcoin Adviser [https://content.thebitcoinadviser.com/darcy-ungaro]: Plan for intergenerational digital wealth. Hatch [https://app.hatchinvest.nz/share/uqhcj8y8]: For US markets. Sharesies [https://sharesies.com/r/RRPR6X]: For local, and international markets. Easy Crypto [https://easycrypto.com/nz?ref=19599]: To buy and sell digital assets. Sharesight [https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor]: For tracking and reporting on your portfolio Exodus [https://onelink.to/exodus-referral?referral=true&referrerId=QNQEAJ]: Get rewards on your first $2,500 of swaps Revolut [https://revolut.ngih.net/c/4753264/1765204/9626]: For a new type of banking. *Some links create a financial benefit. Online courses: The Home Buyers Blueprint [https://darcy-ungaro.mykajabi.com/offers/RmxbdY5W]: Get a better home; Get a better mortgage. The KiwiSaver Millionaire Roadmap: [https://ungaro.co.nz/the-kiwisaver-millionaire-roadmap-course/] Get a Rockstar Retirement! New Wealth Foundations: [https://ungaro.co.nz/build-your-wealth-foundations-course2/] Personal finance from a wealth-builder's perspective. Take the free, 5-part online course Crypto 101: Crypto with Confidence [https://ungaro.co.nz/coaching-crypto101-cryptowithconfidence/] Get Social: Check out the most watched/downloaded episodes here [https://ungaro.co.nz/everydayinvestor/] Follow on YouTube [https://www.youtube.com/@NZEverydayInvestor], Instagram [https://www.instagram.com/ugro_invest/], TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn [https://www.linkedin.com/in/darcy-ungaro-a1703024/]. www.ungaro.co.nz [https://my.captivate.fm/www.ungaro.co.nz] ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

Trump tariffs are not the only thing going on in the world right now, and the fact that it’s occupying the imagination of a lot of people globally right now, is a reason pay attention. I think we have to make all decision carefully right now – around changing, or staying the course, especially. Read more [https://ungaro.co.nz/wall-st-vs-main-st-which-one-breaks-first/] Rupert Carlyon is the MD of koura KiwiSaver. Book in a free 15-min phone call [https://calendly.com/ungaro/15min] with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! [https://ungaro.co.nz/everydayinvestor/] Brought to you in partnership with: Icehouse Ventures [https://www.icehouseventures.co.nz/startupinvesting?utm_source=NZEDI+Newsletter&utm_medium=email&utm_campaign=NZEDI] is a Kiwi Venture Capital firm investing in Kiwi startups since 2001.  Affiliate Links*! The Bitcoin Adviser [https://content.thebitcoinadviser.com/darcy-ungaro]: Plan for intergenerational digital wealth. Hatch [https://app.hatchinvest.nz/share/uqhcj8y8]: For US markets. Sharesies [https://sharesies.com/r/RRPR6X]: For local, and international markets. Easy Crypto [https://easycrypto.com/nz?ref=19599]: To buy and sell digital assets. Sharesight [https://www.sharesight.com/everydayinvestor/?utm_source=aff-everydayinvestor&utm_medium=affiliates&utm_campaign=aff-everydayinvestor]: For tracking and reporting on your portfolio Exodus [https://onelink.to/exodus-referral?referral=true&referrerId=QNQEAJ]: Get rewards on your first $2,500 of swaps Revolut [https://revolut.ngih.net/c/4753264/1765204/9626]: For a new type of banking. *Some links create a financial benefit. Online courses: The Home Buyers Blueprint [https://darcy-ungaro.mykajabi.com/offers/RmxbdY5W]: Get a better home; Get a better mortgage. The KiwiSaver Millionaire Roadmap: [https://ungaro.co.nz/the-kiwisaver-millionaire-roadmap-course/] Get a Rockstar Retirement! New Wealth Foundations: [https://ungaro.co.nz/build-your-wealth-foundations-course2/] Personal finance from a wealth-builder's perspective. Take the free, 5-part online course Crypto 101: Crypto with Confidence [https://ungaro.co.nz/coaching-crypto101-cryptowithconfidence/] Get Social: Check out the most watched/downloaded episodes here [https://ungaro.co.nz/everydayinvestor/] Follow on YouTube [https://www.youtube.com/@NZEverydayInvestor], Instagram [https://www.instagram.com/ugro_invest/], TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn [https://www.linkedin.com/in/darcy-ungaro-a1703024/]. www.ungaro.co.nz [https://my.captivate.fm/www.ungaro.co.nz] ________________________ Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!