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909b how to stop overspending, passive vs active funds & advice for your 20s (live from Auckland)

Mar 4, 2026
Live from Auckland, listeners ask about housing in retirement, lowering mortgages with tight budgets, and practical spending guardrails. The conversation contrasts passive index funds with active strategies and compares KiwiSaver allocations. Career and mental health as top investments in your 20s get attention, plus simple ETF approaches, insurance basics and tips to curb impulsive spending.
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ADVICE

Have A Housing Plan For Retirement

  • Plan for housing in retirement rather than assuming renting will work long-term.
  • Glen urges building wealth (property, KiwiSaver, investments) so you can buy or fund housing later and retain options and security.
ADVICE

Pay Down Mortgage By Increasing Income And Tightening Spending

  • To lower a mortgage with low spare funds, focus on increasing income or paying down principal when possible.
  • Glen recommends eliminating luxuries, using budgeting systems, and adopting simple spending guardrails like a 'sleep on it' rule.
ADVICE

Use Index Funds For Core Holdings And Active Funds Selectively

  • Prefer passive index investing for core holdings and use active funds selectively where they historically outperform.
  • Glen keeps most money in index funds but uses active small-cap and bond funds where managers can add value.
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