Think you know where your money goes? Small, everyday purchases can add up to a very different picture — and cancelling a subscription might only be the start.

Nadine Higgins is joined by James Blair, Wealth Director at Lighthouse Financial, to explain how to give your finances a spring clean. They discuss setting realistic goals, identifying spending that doesn’t match your priorities, and using automatic payments to keep your savings on track.

Plus, how to approach mortgage repayments, why insurance needs change over time, what to review in your KiwiSaver, and why chasing shortcuts can put you further behind.

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Can likes and followers turn into a full-time income?

On The Prosperity Project, Nadine talks to talent manager Molly about the business behind social media influencing, from brand deals worth thousands to valuable freebies and the work that goes into every post.

They explore how creators earn money, why going viral doesn’t guarantee a lasting career, and what happens when the algorithm changes or the offers dry up.

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If the house is in your name, is it yours? If you keep separate accounts, are your finances really separate? And what happens when an inheritance goes towards the mortgage?

On The Prosperity Project, lawyer and founder of Succession NZ Holly Egerton unpacks common misconceptions about relationship property in New Zealand, including homes, businesses, trusts and debt.

Drawing on a decade in the field and her own lengthy separation, she explains why verbal promises can leave people exposed, what contracting out agreements can cover, and why a 50/50 split may leave partners in very different financial positions.

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Buying an established business can give you customers, systems and revenue from day one. But how do you know whether the asking price reflects what you’ll actually earn?

On The Prosperity Project, Nadine talks to The Comic Accountant Sam Harith about the checks to make before buying a business. They discuss financial statements, debt, cash flow, the difference between buying assets and shares, and the risks of taking over a franchise or a business whose customers are loyal to its current owner.

They also ask the question every prospective buyer should consider: are you buying a business, or buying yourself a job?

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What if, instead of trying to stick to a budget yourself, you handed over your pay and let someone else manage it?

Australian budgeting service MyBudget has launched in New Zealand, offering to receive clients’ income into a trust account, pay their bills, put money aside for future expenses and savings, and transfer back an agreed amount for everyday spending.

It’s an unusual model — and not a cheap one.

On The Prosperity Project, Nadine Higgins asks whether outsourcing your finances can genuinely help people get out of debt and build savings, or whether paying someone thousands of dollars a year to manage your own money is a step too far.

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If you suddenly became unable to make your own decisions, would your spouse or family automatically be able to step in?

Not necessarily.

An enduring power of attorney allows someone you trust to manage your finances or make decisions about your personal care and welfare if you can’t. Without one, your family could face an expensive and stressful court process at an already difficult time.

In this episode of The Prosperity Project, we look at how enduring powers of attorney work, who you should appoint, the risks of getting it wrong, and why it’s worth putting one in place long before you think you’ll need it.

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No new taxes. Free GP visits. Cheaper public transport. Solar subsidies. KiwiSaver changes.

The election promises are coming thick and fast — but what will they actually mean for your finances?

On The Prosperity Project, Katie Bradford joins Nadine Higgins to unpack how the major parties’ policies could affect your wallet, from tax and rates to KiwiSaver, student loans, solar panels, small businesses and the cost of funding New Zealand’s infrastructure.

Because however appealing the promises sound, there’s one unavoidable question: who ultimately pays for them?

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Buying a home used to mean checking the LIM, getting a builder’s report and sorting the mortgage. But natural hazards, insurance restrictions and increasingly complex property issues mean buyers now have much more to consider.

Solicitor and Landley Law director Sue Foley joins Nadine Higgins to explain the red flags buyers should look for, why insurance needs to be considered early, what sellers are required to disclose and why relying on someone else’s building report could leave you exposed.

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