In this episode of Money Made Simple, Liv and Jennie jump on the popular “ins and outs” trend - but give it a practical money twist for 2026.

They share realistic financial habits to bring in this year, and the common money mindsets and behaviours to leave out. This isn’t about perfection, restriction or hustle culture - it’s about small, sustainable tweaks that can make managing your money feel simpler and less stressful.

This episode covers:

• What to automate (and what to review) to make money admin easier
• The power of celebrating small money milestones
• Why knowing your KiwiSaver fees matters more than you think
• How to spend more intentionally - without cutting all the fun
• Why you don’t need to know everything (or have heaps of money) to start investing
• How guilt and comparison can quietly derail your financial confidence
• The hidden cost of putting off financial admin
• Why your money journey doesn’t need to look like anyone else’s

Resource mentioned in this episode:

Sorted NZ – Sorted’s Smart Investor tool lets you compare KiwiSaver and managed fund fees across providers. Filtering by fees helps identify lower-cost options, which can significantly improve long-term returns, as high fees can erode tens of thousands of dollars over a lifetime.

Whether your goal is to save more, stress less, or just feel a bit more on top of things, this episode is packed with simple ideas you can actually stick to. Because better money habits don’t come from being perfect - they come from small steps, taken consistently.

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Disclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.