124. Learning, Letting Go and Rethinking the Road to FIRE

124. Learning, Letting Go and Rethinking the Road to FIRE

Author: Ruth - Personal Finance Blogger July 29, 2026 Duration: 59:32
I had a great chat with Rose and Adam on a cold winter’s day in July, and this warm and friendly duo came to our conversation well prepared. Just over 20 years ago, they made the move from Israel to Ōtautahi Christchurch. They joined KiwiSaver early, eventually bought a home of their own, and continued investing in both the sharemarket and residential property. Mindfulness is also central to their lives. Their daily meditation practice and Zen philosophy have taught them to let go of drama, avoid dwelling on setbacks and view mistakes as opportunities to learn. That perspective is particularly valuable now as they chase down FIRE and rethink their investment strategy. While some of their investments are doing extremely well, others are performing extremely poorly. After eight years of owning rental properties, they have accepted that the strategy has not worked for them. They are now steadily untangling themselves from those investments and redirecting their money towards share investments they better understand and believe in. Throughout their relationship, they have always lived within their means and spent less than they earn. Combined with their mindfulness practice, that habit allows them to view past mistakes as tuition fees rather than failures: take the lesson, make a better decision and move forward.

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: 50

The Happy Saver Podcast - Personal Finance in New Zealand
Podcast Episodes
91. With only $100 in the bank, something had to change. [not-audio_url] [/not-audio_url]

Duration: 45:00
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 2019, which is when her money journey did a sharp U-turn as she moved out of abou…
90. Revisit with Bradie and Paul: The First Year of Early Retirement [not-audio_url] [/not-audio_url]

Duration: 26:36
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 caught up on their money journey. The elevator pitch for them is that they felt…
89. Creative Planners Working Towards a Retirement of Plenty [not-audio_url] [/not-audio_url]

Duration: 47:18
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, we were into the nuts and bolts of the financial lives of this 56 and 57-year-o…
88. Birds of a Feather Flock Together [not-audio_url] [/not-audio_url]

Duration: 46:57
In this episode, I’m going to be sharing the experiences of Scott and Jane. This couple are from completely different backgrounds and also from different countries. Scott’s from New Zealand, in his late 20s and Jane’s fr…
87. My Partner Died Without a Will [not-audio_url] [/not-audio_url]

Duration: 56:31
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 podcast for years. She enjoys this podcast because the stories I share are relata…
86. You can’t live with a lifestyle that is above your income. [not-audio_url] [/not-audio_url]

Duration: 1:04:50
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 42 respectively, and have lived a life common to many of us, with good bits, not…
85. Revisit with Kiri: The Rollercoaster Continues [not-audio_url] [/not-audio_url]

Duration: 30:25
I’ve been corresponding with Kiri for about five years now. Those back-and-forth email conversations eventually led to me picking up the phone and chatting in person for the first time, and back in September of 2021, I r…
84. Early Retirement: But still working stuff out. [not-audio_url] [/not-audio_url]

Duration: 56:58
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 aged 49 and 54, respectively. Now that I have your attention, you might also be int…
83. Iron Fisted Lucy [not-audio_url] [/not-audio_url]

Duration: 58:03
Lucy, Steve and their two teenage children openly talk about money in their family. It comes from them trying to make sense of their complicated financial upbringing and then joining their financial lives together at 19.…