SortMe Money
SortMe Money is the podcast for New Zealanders who want their money to work harder without having to think about it constantly. Each episode turns our most-read articles into audio — practical insights on spending, saving, investing, and the everyday financial decisions that quietly shape your life. Made by the team behind SortMe, NZ's AI-powered personal finance app.
SortMe Money
The 3 Budgeting Myths That Keep High-Earning Kiwis Stuck
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High earners don't budget because they think they don't need to. The data says otherwise.
SortMe's Chief Customer Officer Charlotte Barraclough spends her days looking at the financial positions of everyday Kiwi households — the dual incomes, the rental properties, the two KiwiSavers sitting with banks, the Sharesies account, the accountant who handles tax but not personal wealth. After thousands of these conversations, three myths keep showing up.
In this episode:
- Myth 1: Budgeting is for people who are struggling (why complexity, not income, is the real driver)
- Myth 2: I already know what I'm spending (the couple who couldn't account for $3,400 a month)
- Myth 3: Budgeting software is too much effort to set up (what's actually changed)
- Why a 10-minute weekly check-in beats a perfect system
- What Charlotte tells people in this position
Read the full article: sortme.com/post/budgeting-myths-high-earning-kiwis