Why do we make financial decisions that feel right… but cost us in the long run?

In this bonus episode of Live at the Nut Bar, Chief Squirrel David Cunningham is joined by Katie Wesney (enable.me) and Squirrel mortgage adviser Emma Wallace to unpack the behavioural habits quietly holding New Zealanders back from building wealth.

From “well-intentioned waiting” to first home buyer blindspots, they dive into the real cost of delaying decisions — whether it’s investing, insurance, KiwiSaver, or paying off your mortgage faster.

You’ll learn:

• Why “later” almost never comes (and what that’s costing you)
• The biggest mistakes first home buyers make after getting the keys
• How small changes (like higher repayments or automation) can shave years off your mortgage
• Why KiwiSaver timing matters more than you think
• The simple systems that help you stay on track — without giving up the fun stuff

If you’ve ever thought “I’ll sort that later”… this one’s for you.

If you have any questions or things you’d like to hear us talk about, get in touch with us at david@squirrel.co.nz or John@squirrel.co.nz.

The opinions expressed in this podcast are not financial advice, or a recommendation of any financial product. Any commentary provided are personal views and are not necessarily representative of the opinions of Squirrel. As always, we recommend seeking professional investment or mortgage advice before taking any action.

Hosted on Acast. See acast.com/privacy for more information.

In the season finale, JB and DC pull up a stool at the Nut Bar to chat about the final OCR cut of 2025, why house prices haven’t boomed, what’s tugging the housing market in different directions, and why 2026 should feel better—though still a bit weird in an election year.

Happy holidays everyone!

If you have any questions or things you’d like to hear us talk about, get in touch with us at david@squirrel.co.nz or John@squirrel.co.nz.

The opinions expressed in this podcast are not financial advice, or a recommendation of any financial product. Any commentary provided are personal views and are not necessarily representative of the opinions of Squirrel. As always, we recommend seeking professional investment or mortgage advice before taking any action.

Hosted on Acast. See acast.com/privacy for more information.

This time DC is joined by Kat McInnes and Dave Tyrer to dive into better ways to manage your home loan. They talk cashbacks, clawbacks and what to watch out for.

If you have any questions or things you’d like to hear us talk about, get in touch with us at david@squirrel.co.nz or John@squirrel.co.nz.

The opinions expressed in this podcast are not financial advice, or a recommendation of any financial product. Any commentary provided are personal views and are not necessarily representative of the opinions of Squirrel. As always, we recommend seeking professional investment or mortgage advice before taking any action.

Hosted on Acast. See acast.com/privacy for more information.