NZ Everyday Investor

Hosted by Podcasts NZ / WorldPodcasts.com / Darcy Ungaro

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215

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Oct 2026

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About the show

The NZ Everyday Investor! A podcast designed for the the everyday person, who's keen to build new wealth in the new world using existing, and new tools to get the job done. We select guests for our show who have a genuine story to tell - not just industry experts but people who have made great financial moves, some on purpose and some totally by accident! We hope you enjoy the show.

Listen to episodes

60 recent

October 11, 202653 min

Joel Robinson / Could rising 10-year yields derail your retirement strategy? Ep 544

Yields have already climbed to levels last seen in 2002 but most investors are still banking on the post-Covid inflation being a temporary spike. That was a solid assumption, but at almost a third of the way back to the 1981 highs, could it be time to look at this? Joel Robinson is the founder of Radical Investment - specialist KiwiSaver and investment advisers. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

October 4, 202622 min

Darcy Ungaro / The Retirement Plan Nobody Talks About Ep 543

I have sat across from hundreds of people with an inheritance coming, and almost always they make one of two mistakes. The less common one is when people take their foot off the gas - The knowledge of money coming justifies no budget, no discipline, no plan. Black holes for intergenerational wealth. The second mistake is worse, and I think it often comes from a decent instinct. People live like the money is never going to come. They play it safe. What if an inheritance didn't work as a safety net, but a permission slip ? Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

September 27, 202625 min

Sam Garaway / Against Poverty, For Wealth Ep 542

It's a Holiday! No, wait, it isn't. It's no holiday when you're poor. You can sleep in the garage this summer and you'll be grateful. You're poor, and it sucks. Maybe there's a way out? Christians Against Poverty , or CAP , is an organisation devoted to fighting poverty and helping people break free from a cycle of debt. Sam Garaway talks to me about their collaboration between them and Sorted (The Retirement Commission) to bring to market an app that helps place a fence at the top of the cliff. You should donate to them . Know anyone who could benefit from a free money course with CAP? Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

September 20, 202649 min

Dominic Frisby / Sound Money vs Fiat Delusion Ep 541

Dominic Frisby : comedian, author, and one of the sharpest voices on gold, Bitcoin, and government money. His main argument is that CPI figures have created a mass delusion effect, which hides the fact most Western countries have been in recession for years. Note : Views expressed in this one may trigger Keynesian belief systems and left-wing ideologies. Sorry about that. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

September 13, 202640 min

Francisco Colombo / How To Seize Control Of The Money, Ep 540

In Argentina, currency collapse forced people to understand money. In New Zealand, we're too comfortable to ask where inflation comes from. In this episode, Francisco Colombo from Bitcoin Journey joins me to unpack how Bitcoin is being used in Queenstown's Bitcoin Basin: not as a speculative bet, but as a real, working alternative to cash. We cover self-custody, why Bitcoin passes (or fails) the classic tests of money, how New Zealand's tax treatment shapes everyday use, and why this is ultimately about self-sovereignty, not "number go up." If you're Bitcoin-curious but haven't done the research yet, come along this week in Auckland to get some free education. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

September 6, 202639 min

Jarrod Kerr / "It's Too Soon For 2.75%" Ep 539

The Reserve Bank of NZ has hiked the OCR (official cash rate) twice off the lows and says the recovery has “most likely resumed, but remains uneven.” Headline inflation is 4.1% because of fuel, but if you take that out, you’re at 2.9% (inside the target band). I think the question is simple: can the Kiwi economy handle the hikes, or do we get a forced cut and a longer grind? My guest is Jarrod Kerr, chief economist at Kiwibank. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

August 30, 202642 min

David Seymour / 1 Year Bright Line For Digital Assets? Ep 538

Everyday investors will have access to 24/7 share trading in the form of tokenised securities, but there's a problem. NZ rules are built for a paper-era and no one wants to stick their neck out. Deputy Prime Minister and ACT leader David Seymour talked to me last Friday about their new proposal: A one-year bright-line test on digital-asset gains. Will this unlock NZ's digital economy? It might. Learn how to take greater control of your KiwiSaver: Book in a 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

August 23, 202643 min

Tim Doyle / The IRD & What Defines A 'Taxable Event'? Ep 537

Check out my Substack here . Tim Doyle , crypto currency tax expert joins me on this one to talk about a recent case where a client of his posted Bitcoin as collateral to take out a fiat currency loan. The idea is to borrow cash, without ever selling Bitcoin, much in the same way you might top up your mortgage to free up cash without having to sell your home. But Inland Revenue's response was to classify the posting of collateral as a disposal - Which means it’s a taxable event. What's the big deal? If the world is heading more digital (and it is), then will other types of borrowing potentially trigger tax obligations too? Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

August 16, 202648 min

Ed McKnight / NZ's Worst Property Market in Over 50 Years? Ep 536

We’ve been through plenty of property cycles in New Zealand, but this one feels different . It's been called the worst downturn in 50, or even 60 years. Auckland and Wellington have been hit hardest, while other parts of the country are holding up far better (and in a few places, still growing.) Today I’m joined by economist Ed McKnight from Opes Partners to unpack what’s really going on. We’ll look at the numbers, the regional split, why some Australians are starting to eye New Zealand property again, and why trying to predict the exact bottom is usually a fool’s errand. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!

August 9, 202637 min

Ben Davin & Mark White-Robinson / Who Should Have To Fix YOUR Retirement? Ep 535

An economist [I used to respect] was recently asked, why is debt getting more expensive? His response? " this is what happens when your economy is starting to show some growth and the risk for inflationary pressures shift upward. " It’s almost like our economists care too much about getting a job at the RBNZ than they do speaking the truth. Read more. Meanwhile, just over half of all Kiwis, feel unprepared for retirement (and that includes debt-free homeowners who thought they’d done everything right.) Something has to be done to fix this, but is asking the government to make more rules around KiwiSaver really the right answer? Ben Davin and Mark White-Robinson join me to discuss. If you'd like to sign up to Feijoa , enter in the NZINVESTOR code at checkout for a discount. Book in a free 15-min phone call with Darcy Ungaro (financial adviser). Sign up to the fortnightly newsletter! Thank You Swyftx : W ith over 1 million customers across New Zealand and Australia. Ask yourself …”Where can crypto take you?". Check out Swyftx . Affiliate Links! The Bitcoin Adviser : Plan for intergenerational digital wealth. Hatch : For US markets. Revolut : For a new type of banking. Sharesies : For local, and international markets. Loan My Coins : Bitcoin lending product. Exodus : Get rewards on your first $2,500 of swaps Get Social: Follow on YouTube , Instagram , TikTok: @theeverydayinvestor, X (@UngaroDarcy), LinkedIn , or subscribe on Substack . www.radicalinvestment.co.nz ________________________ Disclaimer : Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances, and nothing we say is intended as a recommendation. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!