
120. Rebuilding After Divorce
This episode shares the story of Emma, a solo mum who, from the outside, appears to have it all together: a home of her own, strong finances...
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Your friends might not want to talk about money, but I do! Hi, I’m Ruth and I’m a blogger on Personal Finance and in this podcast I tell the stories of Kiwis and their experiences with the m...

This episode shares the story of Emma, a solo mum who, from the outside, appears to have it all together: a home of her own, strong finances...

Back in November 2017, in Episode 04, I sat down with Rachel and David. They had reached financial independence long before the term was wid...

Emily and I first met over email and via one of my Phone A Friend chats back in late 2023. Like me, she loves regional Aotearoa and everythi...

I really enjoyed creating this episode because it explores a form of investing that doesn’t often feature heavily in the wealth-building sto...

In today’s episode, I had the great pleasure of speaking with Carla. She lives in a small regional town in the South Island with her husband...

Jennifer first emailed me in early 2023 after listening to all my podcasts. She knew I was a big advocate for parents teaching kids to inves...

Today I’m sharing the story of Steve and Sarah, a UK couple who, many years ago, packed up their lives, moved to Aotearoa, and built a reall...

Maria and Michelle were late financial bloomers who only really got started in their 50s. Now 71 and 69, they’ve paid off their mortgage and...

This week, I’m sharing the story of Rachel, a 90s kid from Timaru. Rachel is the youngest of four, with three brothers, and a ten year gap b...

In today’s episode, I spoke with Marian, who in turn spoke on behalf of herself and her husband, Jon. Originally from the Netherlands and no...

Today’s guest, Gail, has been on quite the financial trip and she’s still very much on it. Back in 2019, at age 41, she experienced a wake-u...

This week's podcast is all about 51-year-old Julian. We picked up the phone for a good old kōrero in late June 2025. Let’s just say, if talk...

In today’s episode, you’ll hear from an awesome couple, Kate and Taka, aged 33 and 34, who are doing life and money a little differently, an...

This is a revisit episode, I enjoy doing these because I like you wonder, “Whatever happened to…?” I last spoke with Hamish in 2021, Episode...

This episode revisits my August 2022 conversation with Neil in Episode 69, A Financially Complicated Breakup. Now 52, Neil has lived in New...

In this episode, I chat with Tracey, a long-time reader and listener of The Happy Saver who first came on my radar through her detailed Debt...

After my long kōrero with Sammy to prepare this episode, my head was spinning from all the twists and turns of her story. After 57 years of...

In November 2024, I attended Black FI-Day, New Zealand’s first financial independence hui. Nearly 40 people gathered for this three-day even...

Today, I’m sharing the financial ins and outs of Alan and Katie Donegan, the world-travelling English couple behind Rebel Finance School. Ov...

I first met today's guest, Ajith, when he emailed me with a couple of questions back in 2024. He’d come across The Happy Saver while on the...

In mid-October 2024, I brewed a coffee, sat down, and gave Poto a call. She’s been a long-time listener of the podcast, drawing on insights...

This week, I’m making a bit of an exception and chatting with someone who was a bit reluctant to talk about money. Which is ironic, given th...

In today's episode, I will be sharing the financial journey of Jack, a Kiwi from the lower North Island. Jack found The Happy Saver when he...

Today’s episode is an update on North Island couple Chris and Rosemary. Their first episode came out in March 2021 — it was episode number 4...

Today's episode began with an email from a Kiwi couple in their mid-40s, who asked to be called Tokyo and Rio, inspired by the show Money He...

When I received an email from a guy called John saying that he and his wife Betty have gone from being terrible with money and trying (unsuc...

Ruby stumbled across The Happy Saver in October of 2022, prompting her to email me with a couple of questions. She’d recently signed up with...

Congratulations, you have made it to the final episode of this series of six: INVESTING. Investing can be incredibly complex, but I found a...

Get out of debt, and stay out of debt. I think of debt as a phase of life that I moved through. That period has passed, and I’ve moved on. J...

The fourth part of this six-part series is one of the easier topics to cover, KiwiSaver. Joining KiwiSaver is a no-brainer, and it still sur...

The best thing I ever did was set some cash into a bank account, which we could instantly access in a financial emergency. It is an amount o...

In the first episode in this series of six, I quickly showed you how to calculate your net worth. It will take a little longer today, but I...

Welcome to the first episode in a short six-part series. On my blog, thehappysaver.com, I created a comprehensive Financial Independence Ser...

Today, I have an update on Nic from Episode 78, released in March 2023. A lot can happen in a year, which I wanted to share with you today....

I met 19-year-old Josephine in mid-2023 when she emailed me with some questions about money. I actually already knew a little about her beca...

In early January, I was lucky enough to have a long chat with Grace, who is now in her late 20s. Grace has been following my podcast since 2...

I’m particularly excited about today’s podcast because it is a revisit episode with Bradie and Paul. This is actually the fifth time we have...

I chatted with Isobel and Sam for almost three hours on a sunny Sunday afternoon. As with all of these interviews, straight out of the gate,...

In this episode, I’m going to be sharing the experiences of Scott and Jane. This couple are from completely different backgrounds and also f...

Today I am really looking forward to sharing the financial ins and outs of Rachael, a wonderful wahine who has been listening to this very p...

The standout for me today is how quickly you can change your financial lot in life simply because you decide to. Helen and Scott are 45 and...

I’ve been corresponding with Kiri for about five years now. Those back-and-forth email conversations eventually led to me picking up the pho...

Today, I have the pleasure of sharing the story behind how Tony and his wife Karen came to create a net worth of $2.8 million and retire age...

Lucy, Steve and their two teenage children openly talk about money in their family. It comes from them trying to make sense of their complic...

In this episode, we hear from Jess, a single 52-year-old woman who reached out to me in early 2022 when she sent me a lovely email telling m...

I met 29-year-old Dylan when he heard my call out for younger people to get in touch and share their stories with money. Through luck and go...

In this week's episode, I wanted to revisit an earlier episode with an update on Nathan from episode 71, and introduce a new guest, Sam, a 1...

I’m looking forward to telling you all about 37-year-old Tui. She described herself as someone who has worked hard to get her financial hous...

Nic described herself as a 42-year-old professional who sometimes has to pinch herself at the job she has. It’s a tough demanding role in a...

When Rachel told me that she had very recently moved from a super consumer to thinking instead that saving was the new shopping, I knew the...