With Property becoming less of the golden-goose egg we've made it out to be, people are focusing more on how else they can be financially stable - and with that stability, comes being disciplined with your money - and keeping your spending affairs in order.

But how can we do that with loyalty programmes encouraging us to save? and mid-year sales going around?

How do we keep our eyes on the long-term goal, and stay on track with our savings?

Where should we even start, if we're so far behind?

Author of Money Matters, Finance Specialist and Mentor Amanda Morall - joins the Weekend Collective to help out.

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Generate Kiwisaver's Nathan Stanners joins Tim Beveridge to chat National's compulsory Kiwisaver policy - and whether it's a good policy for the our retirement savings pool.

They also talk how your risk profile should change the closer your get to retirement.

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Earlier this year, a Christchurch businessman was found borrowing millions of dollars against his family trusts for his clothing company - racking up a $3-million dollar spend.

His sister prompted legal action, and two homes had to be sold as collateral.

But that brings up a question - what can we leave behind for our children and family that won't just be squandered or swindled?

Trusts and inheritance is a something most families will have to deal with when older-relatives pass, so how assured can we be that assets are protected?

Managing Director for New Zealand Family Trust Servicers, Janet Xuccoa joins Tim Beveridge for Smart Money...

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