111. Moving Closer to Financial Independence

111. Moving Closer to Financial Independence

Author: Ruth - Personal Finance Blogger September 17, 2025 Duration: 54:14
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 now based in New Zealand, they’re in the middle of a big transition, preparing to sell their home in the greater Wellington region and move down to Canterbury as they edge closer to semi-retirement. It’s a big transition in many ways, but moving location is something this couple have regularly done throughout their lives, and Marian in particular enjoys the whole process of heading off to live in a new house and discover a new area. Today’s episode gave me a fascinating insight into growing up and working in the Netherlands, and how and why a couple would want to give all of that up to move to New Zealand. Born savers, these two have always had their eye on their wallet, and that simple habit, of living on less than you make, has certainly been a big part of their success today. But forays into using a financial advisor and investing in rental property didn’t serve them well when they tried to take that next step into investing. It was really only when they stepped back and decided to educate themselves and manage their own index fund investments that they got off the side roads and onto the freeway to financial independence. Now, with a move to Te Waipounamu ahead and the ability to step back from full-time work, Marian and Jon are at an exciting stage of life, still aiming to reach their financial goals, but with the freedom to shape what the future looks like.

Money conversations can feel awkward, but they don't have to be. On The Happy Saver Podcast-Personal Finance in New Zealand, host Ruth brings her perspective as a longtime personal finance blogger to break down that barrier. Each episode is built around real stories from everyday Kiwis, exploring the nuanced and often personal relationship people have with their finances. You'll hear frank discussions about how money influences life choices, for better or worse. The focus is on practical, grounded experiences within the New Zealand context-where people save, how they invest, and whether those strategies actually pan out over time. Ruth guides conversations that delve into both financial victories and those moments that feel like train wrecks, always with an eye toward learning. The underlying question is how to design a life rich in experience without spending a fortune to get there. This isn't about theoretical jargon; it's about the applied reality of making dollars and sense work together in Aotearoa. By listening to this podcast, you gain a collective wisdom from a community navigating the same economic landscape, from everyday budgeting to long-term investing goals. Ruth facilitates a space where money is simply a tool to be understood and mastered, one honest story at a time.
Author: Language: en-us Episodes: 100

The Happy Saver Podcast - Personal Finance in New Zealand
Podcast Episodes
98. Life and times of a property investor, turned global traveller. [not-audio_url] [/not-audio_url]

Duration: 45:16
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 was searching for podcasts on money. As an investor in rental property, he was l…
97. Revisit with Chris and Rosemary: These two are not mucking around! [not-audio_url] [/not-audio_url]

Duration: 46:50
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 49. Since then, we’ve kept in touch, and today’s episode is an update on where th…
96. Reality Check [not-audio_url] [/not-audio_url]

Duration: 1:01:49
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 Heist. Tokyo reached out just before Christmas 2023, sharing how a sinking fund sh…
95. On the Verge of Lasting Change. Hopefully. [not-audio_url] [/not-audio_url]

Duration: 1:08:23
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94. Continuous Improvement [not-audio_url] [/not-audio_url]

Duration: 49:40
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 Sharesies and was testing the waters by investing $20 a week, and had a few que…
Part 6: INVESTING [not-audio_url] [/not-audio_url]

Duration: 34:18
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Part 5: DEBT FREE [not-audio_url] [/not-audio_url]

Duration: 25:06
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. Jonny and I have been entirely debt-free since our early 30s, and I encourage you…
Part 4: KIWISAVER [not-audio_url] [/not-audio_url]

Duration: 22:03
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Part 3: EMERGENCY FUND [not-audio_url] [/not-audio_url]

Duration: 19:10
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 of money set aside in a specific bank account to be used for bailing myself out i…
Part 2: BUDGET [not-audio_url] [/not-audio_url]

Duration: 26:21
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