Having a baby is one of the most financially significant things you'll ever do. It doesn't have to derail everything you've been building. Stevie's been through it — and this episode is the practical playbook she wishes she'd had.

In this episode:

• What parental leave in NZ actually pays — and why you need two separate budgets for the first and second six months
• How to find your baseline: the non-negotiable expenses that define your financial floor
• How to calculate your gap — and the tools Stevie used to fund hers without sacrificing everything
• The one thing Stevie didn't cut during parental leave (her investment property) — and the thing she started the week her baby was born

• Can you buy an investment property while on parental leave? Nefe's client had $80k saved — here's what the bank said

The goal isn't to eliminate life during parental leave. The goal is to know the number and have a plan for it.

Women should own half the world. Come own it with us.

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Every week Nefe and Stevie sit across from people who want to invest in property — and talk themselves out of it.

This episode is for them. Five fears, five reframes, and the data that changes the conversation.In this episode:

• Fear #1: House values will go down
• Fear #2: Market uncertainty
• Fear #3: Dodgy tenants
• Fear #4: Government regulation and tax changes
• Fear #5: Interest rate rises — the practical tool Nefe used on her own property to plan for every scenario

• This week's challenge: run the numbers on a real property using the free Opes Plus cashflow calculator at opespartners.co.nz

The risk of doing nothing is just as real as the risk of doing something. Here's how to work through it.

Women should own half the world. Come own it with us. Instagram ⁠⁠⁠⁠⁠@SheOwnsThispodcast

The headlines say Christchurch is drowning in townhouses. Investors are spooked. But Stevie and Nefe have brought in developer George Clifford from Four Aves — and the story behind the data is not what you think.

In this episode:

• What's actually driving the spike in Christchurch listings — and why it has nothing to do with demand collapsing
• Developer contributions explained: the policy change that sent developers racing to get stock to market all at once
• George shares what's really happening on the ground — and what the next five years looks like if developers keep pulling back
• Why a short-term oversupply and a long-term supply squeeze can exist in the same market at the same time

The headline is the start of the research. Not the end of it.

Women should own half the world. Come own it with us.

Instagram ⁠⁠⁠⁠@SheOwnsThispodcast