Māori Millionaire Podcast

Wealth Was Never Meant To Be Individual Most of us were never taught how to build wealth, we were taught how to survive. So for a long time, I thought money was something you had to chase on your own. In this episode, I talk about letting go of that idea and remembering that wealth was never meant to be individual. When we build together, we move faster, we hold more, and we create something that actually lasts. Scarcity Isn’t Who I Am I unpack how a lot of our money behaviours are inherited. The scarcity, the fear, the inconsistency. That didn’t come from nowhere. It was shaped by generations of not having enough. Decolonising my relationship with money meant understanding my patterns instead of judging them, and creating safety instead of pressure. Money Needs To Feel Safe You can earn more, learn more, do everything “right” but if money doesn’t feel safe, it won’t stay. I share why I stopped focusing only on strategy and started focusing on building a sense of safety with money first. Those Narratives Were Never Mine I reflect on the stories that were placed on me before I had a chance to choose for myself. The assumptions about who I would become and what would be possible. This part is about letting go of those narratives and choosing something different. Redefining What Wealth Actually Means This isn’t just about income. It’s about time, health, whānau, and freedom. I talk about expanding my definition of wealth beyond what I had been taught, and building a life that actually feels rich. If you’re ready to stop operating from survival and start building a different relationship with money, 4 My Moko is my 4 week mindset reset designed to help you do exactly that. Join 4 MY MOKO (ENROLMENTS CLOSE THURSDAY 9/4)

Most financial advice sounds simple. Spend less. Save more. Invest. But if it were that easy, more people would be getting ahead. In this episode, we unpack why money isn’t just about behaviour or discipline. It’s emotional, it’s learned, and for many of us, it’s shaped by survival, stress, and lived experience. We talk about why people spend even when they know they shouldn’t, the hidden role of shame, and how patterns with money often come from deeper wounds, not a lack of knowledge. This kōrero explores how colonisation, capitalism, and consumerism have shaped the way we experience money, and why traditional financial advice often misses the mark, especially for Māori and those navigating financial pressure. You’ll learn: This isn’t about spending less. It’s about understanding why you spend in the first place. Because more information won’t change your life, but a different relationship with money will. If this resonates, take a moment to reflect on the patterns you’re noticing in your own life. And if you’re ready to start shifting your relationship with money, you can learn more about 4 My Moko here.

Welcome to How We Money, a six-part series by Māori Millionaire and ANZ designed to help everyday people feel more confident with money. In Episode 2, Te Kahukura is joined by Jake Nicholson, an Investment Private Banker who supports ANZ Private clients (clients with $1.5M+ in investments). We explore the concept of wealth as freedom - not just money. Looking at long-term savings, emergency funds, investing, and generational goals. In basic terms we cover off: ANZ has some great information and tools to help you get started: ANZ Plan for the future pageInvestor Profile - SortedDisclaimer: The information in this podcast is for general information only and isn’t financial advice. The views of the host or guests are their own and do not represent ANZ. ANZ and Māori Millionaire do not guarantee the accuracy or completeness of the content and are not liable for any loss arising from its use. Please seek personalised financial advice about your situation and goals before making financial decisions.

What does the current global conflict actually mean for New Zealand’s economy? In this episode of the Māori Millionaire Podcast, Te Kahukura Boynton sits down with economist Brad Olsen, Chief Executive and Principal Economist at Infometrics, to break down what’s happening in the global economy and what everyday New Zealanders should actually be paying attention to. Brad is one of New Zealand’s most recognised economic commentators and regularly appears across national media explaining complex economic issues in a clear and practical way. Together, they unpack the real financial impacts global conflict can have on New Zealand including petrol prices, inflation, KiwiSaver balances, and the risk of stagflation. Rather than fear based commentary, this conversation focuses on helping people understand what’s happening in the economy so they can make calm, informed financial decisions. In this episode we cover: • The biggest economic risks global conflict could pose for New Zealand • Why petrol prices move so quickly and how high fuel prices could realistically go • What stagflation means and whether it is a real risk for New Zealand • Why your KiwiSaver balance might drop during global uncertainty • The biggest mistakes investors make when markets are volatile • What everyday New Zealanders should actually focus on over the next few months If you’ve been seeing headlines about rising fuel prices, falling markets or global instability and wondering what it all means for your money, this episode breaks it down in simple terms. If you enjoy content like this, be sure to join my email newsletter

Last week I invested a couple of grand to sit in a room that challenged the way I think about money, business and identity. In this episode I unpack what I learned at the One Day Mastery Event in Auckland with Luke Kemmeys from Keep the Change, Sarah Robb from Spring with Sarah and Amy from Levridge. Before the day had even really started, something stood out to me. I was one of the youngest people in the room and very likely one of the lowest income earners there too. Which meant I was sitting in conversations and perspectives I am not usually exposed to. And that was powerful. Sometimes the value of a room is not just the information. It is the proximity. In this episode I share some of the biggest ideas that stayed with me, including: • Why your income will not outgrow your identity • The concept that energy is currency • Why every yes in business has an equal no • How to reverse engineer your income and investment goals • Why systems, processes and people protect your energy • The idea of taking “baby retirement days” now instead of waiting until 65 • How to identify the risks in your business and reduce them I also share a powerful financial planning exercise I learned from Amy at Levridge that helps calculate exactly how much you need to invest each year to reach your long term financial goals. A lot of money conversations focus on tactics. Save this much. Invest in this. Cut that cost. But often the real ceiling is identity. How you see yourself. What you believe is possible for you. And the rooms you choose to sit in. Sometimes one room and one conversation can shift everything.

Everyone says “build your personal brand.” But no one tells you this: Your personal brand is not about aesthetics. It is a financial asset. In this episode, I break down how attention turns into income, why clarity makes you money, and how consistency compounds just like investing. We talk about pricing power, trust as currency, and why your lived experience is not a weakness but positioning. If you want more opportunities, higher paying clients, better partnerships, and long term wealth, you cannot afford to ignore your brand. This is not about becoming an influencer. It is about building leverage. If you are a founder, creative, aspiring entrepreneur, or someone who wants to earn more without burning out, this episode will change how you see personal branding forever. Listen now and start treating your reputation like the asset it is.

Welcome to the final day of the 7 Day Money Reset. Today we are talking about systems. Because motivation fades. Inspiration fades. But systems compound. If your financial progress depends on how you feel, it will always fluctuate. In this episode we break down how to build a money system that works even when you are tired, busy, or not in the mood. We cover: • Why motivation is temporary but systems create stability • How relying on willpower keeps you starting over • Why wealthy people automate instead of “trying harder” • Setting up automatic payments for savings and investments • Making the right decision the default decision • Designing accounts with intention • Weekly money check ins and monthly net worth reviews • Building infrastructure instead of chasing motivation Your bank account should not rely on memory. It should run like a machine. A good system removes emotion from everyday money decisions. It creates consistency. It reduces stress. It builds momentum quietly in the background. You are not trying to “be better” with money. You are building the infrastructure of someone who builds wealth. Your action for today: Before this week ends, set up one automatic payment that moves you forward. One small system can change everything. If you have completed all 7 days, share this episode and write “System secured.” We are not relying on motivation anymore. We are operating like leaders. If you enjoyed this episode, share it with a friend! JOIN MY EMAIL NEWSLETTER

Welcome to Day 5 of the 7 Day Money Reset. Today we are building stability. A safety net is not about being rich. It is about having margin. It is about not panicking when a bill comes in. Not relying on debt every time something unexpected happens. Not living in constant financial survival mode. In this episode we talk about what a safety net really is and why it changes everything. We cover: • Why a safety net is peace, not just savings • How stability improves your decision making • Why survival mode keeps you stuck • How to build your safety net in layers so it feels achievable • Starting small without shame • Using automatic payments to build consistency • Why freedom requires margin If you are living paycheck to paycheck, your first safety net might be small. That still counts. Five hundred dollars can change your nervous system. One month of expenses can change your confidence. Three months can change your life. A safety net allows you to leave unhealthy environments. To take opportunities. To say no when you need to. It gives you options. Your action for today: Open a separate account for your safety net. Set up an automatic payment, even if it is small. Protect your future self. We are not just growing money. We are building security. If you are doing the challenge, share this episode and write “Stability first.” That is how wealth is built. JOIN MY NEWSLETTER

Welcome to Day 6 of the 7 Day Money Reset. Today we are talking about insurance. Not because it is exciting. But because it is responsible. You can increase your income. You can build savings. You can grow assets. But if you do not protect what you are building, one unexpected event can wipe out years of progress. In this episode, I break down the main types of insurance people should think about and what they are actually for. We cover: • Health insurance and when it makes sense • Life insurance and who truly needs it • Income protection and why your income is your biggest asset • Car Insurance • Home and contents insurance to protect what you have worked hard for We talk about this in simple terms. No jargon. No scare tactics. No pressure. Just clarity. Insurance is not about living in fear. It is about creating stability. It is about making sure one hard season does not turn into long term financial stress. Your action for today: Look at what cover you currently have. Understand it. Ask questions. Close the gaps if needed. Because wealth is not just about growth. It is about protection. If you are doing the challenge, share this episode and write “Protected and prepared.” We are building strong foundations. JOIN MY EMAIL NEWSLETTER

Welcome to Day 4 of the 7 Day Money Reset. Today we are talking about increasing your income. Not by grinding yourself into the ground. Not by starting five side hustles. Not by sacrificing your health. But strategically. In this short episode, I break down three powerful ways to increase your income without burning out: We talk about survivor’s guilt. We talk about out earning your circle. We talk about becoming the version of you who can hold more. Income growth is not just about strategy. It is about who you believe you are allowed to be. Your action for today: Choose one income expansion move this week. One conversation. One pitch. One application. One offer. That is how momentum starts. If you are doing the challenge, share this episode and write “I am expanding.” We are not budgeting our way to freedom. We are building capacity. Let’s go. Disclaimer: I am not a qualified financial advisor. The information contained on this website and in my training is for general information purposes only. Any reliance you place on such information is strictly at your own risk. It is not intended to constitute legal or financial advice and does not take your individual circumstances and financial situation into account. As always, please seek assistance from a trusted financial adviser, legal or other professional advisor before making any financial decisions or investments. Further, nothing on this site or in my training is, or should be taken as, an offer, invitation or recommendation to buy or sell any investment or product represented without first obtaining professional advice regarding its appropriateness to your personal circumstances.

Welcome to How We Money, a six-part series by Māori Millionaire and ANZ designed to help everyday people feel more confident with money. In Episode 1, Te Kahukura and guest Iyia Liu unpack the foundation of all financial decisions: mindset. We explore where money beliefs come from, how scarcity can show up, why financial self-sabotage happens, and how to shift towards healthier, more supportive money habits. This episode acknowledges cultural context, whānau dynamics, and the emotional side of money, while keeping things practical and shame-free. You’ll learn how to assess your own financial wellbeing, why building wealth matters, and how small mindset shifts can lead to better money decisions over time. No jargon, no judgement, just real kōrero and simple next steps. Use ANZ’s Free Financial Wellbeing Tool here - it takes two minutes and will provide some helpful insights for you. Disclaimer: The information in this podcast is for general information only and isn’t financial advice. The views of the host or guests are their own and do not represent ANZ. ANZ and Māori Millionaire do not guarantee the accuracy or completeness of the content and are not liable for any loss arising from its use. Please seek personalised advice before making financial decisions.

Welcome to Day 3 of the 7 Day Money Reset. Today we go deeper. Because you do not rise above your money mindset. You earn in alignment with it. If I said “You could make 1 million dollars this year” What comes up for you? Excitement? Doubt? Judgement? A laugh? That reaction is your money story speaking. DOWNLOAD YOUR FREE MONEY DIARY TEMPLATE In this episode we unpack: • How your childhood shaped your beliefs about money • The conversations you grew up hearing about money • Why “I work so hard but have nothing to show for it” becomes a financial identity • Money attachment styles: anxious, avoidant and secure • How limiting beliefs quietly cap your income • How to rewrite old money beliefs in a practical way • Askfirmations and quality questioning • How to consciously create a new money story We walk through questions like: What is the old belief? Where did it come from? Why does it feel true? Why is it not true for your future? Who proves this belief wrong? And when the old belief pops up, we don’t spiral. We acknowledge it. Release it. Breathe. Affirm the new belief. If she can do it, so can I. We also talk about your energetic relationship with money. Do you resent it? Fear it? Cling to it? Avoid looking at it? Or do you respect it? Trust it? Treat it well? Because where attention goes, energy flows. This episode is not about toxic positivity. It is about conscious rewiring. Your action for today: Write your old money story. Then write your new one. Decide who you are becoming. Because income follows identity. If you are doing the challenge, share this episode and write “New money story loading.” We are not just changing numbers. We are changing narratives. Disclaimer: I am not a qualified financial advisor. The information contained on this website and in my training is for general information purposes only. Any reliance you place on such information is strictly at your own risk. It is not intended to constitute legal or financial advice and does not take your individual circumstances and financial situation into account. As always, please seek assistance from a trusted financial adviser, legal or other professional advisor before making any financial decisions or investments. Further, nothing on this site or in my training is, or should be taken as, an offer, invitation or recommendation to buy or sell any investment or product represented without first obtaining professional advice regarding its appropriateness to your personal circumstances.

Welcome to Day 2 of the 7 Day Money Reset. Today we stop guessing. We calculate your net worth. And before you panic Yes, even if you have debt. Especially if you have debt. Your net worth is not a measure of your value as a person. It is a financial snapshot. That’s it. In this episode we walk through: • What net worth actually means in simple terms • How to calculate your net worth step by step • Why avoiding this number keeps you stuck • Why wealthy people track this consistently • How to track your net worth over time so you can see real progress If you’ve been living in “vibes” instead of numbers, this is your reset moment. Because you cannot grow what you refuse to measure. This is not about judgement. This is about clarity. Your action for today: DOWNLOAD THE NETWORTH TRACKER List your assets. List your debts. Subtract the two. That number is your starting point. And starting is powerful. If you’re doing the challenge, share this episode and write “Day 2 complete. I know my number.” We’re building financial confidence through facts, not fear. Let’s keep going.

Welcome to Day 1 of the 7 Day Money Reset. Today we’re not budgeting. We’re not cutting. We’re not judging. We’re observing. Most people say they want to be better with money but they don’t actually know where their money is going. And when they do look, shame creeps in. This episode is about removing the shame and building awareness instead. Because you cannot change what you refuse to look at. In this episode we talk about: • Why tracking your spending is not about restriction • How avoidance keeps you stuck financially • The difference between awareness and self punishment • How to complete a 24 hour money diary in a way that feels safe • Why financial clarity is power If you grew up with financial stress, chaos, scarcity or secrecy, tracking can feel activating. That’s normal. We talk about that too. This is about becoming the CEO of your money. And CEOs look at the numbers. Your action for today: DOWNLOAD THE FREE MONEY DIARY TEMPLATE Track every dollar that leaves your account for the next 24 hours. No editing. No justifying. No spiralling. Just awareness. If you’re doing the challenge, screenshot this episode and share it to your story with “Day 1 done.” Let’s reset.

Some days you wake up focused. Disciplined. Clear. And some days… you don’t. No motivation. No drive. Just tired. Flat. Over it. In this episode, I’m talking about what to do on the days you don’t feel inspired to transform your life. Because the truth is motivation is unreliable. And if you only take action when you feel like it, you’ll build a life that moves in emotional swings instead of steady progress. I share: • Why lack of motivation doesn’t mean you’re lazy • The difference between burnout and avoidance • How to keep promises to yourself when you feel flat • Why discipline is an act of self respect, not punishment • Practical ways to lower the bar without abandoning your goals • The identity shift that makes consistency easier This is not a hustle harder episode. It’s a grounded kōrero about personal responsibility, nervous system regulation, and doing the next right thing even when you don’t feel like it. Because you are not the cost of living. You are not the economy. You are not your mood. You are the CEO of your habits. If you’ve been waiting to “feel motivated” before taking action, this one is for you. Listen now and reset your standard.

Your bank account is not just a reflection of your work ethic. It is a reflection of your environment. In this episode, I’m talking about aligned friendships and how the people around you can either accelerate your financial growth or quietly keep you stuck. We’re unpacking: • How your social circle influences your money habits • The difference between supportive friends and insecure energy • Why shared values matter more than shared income • How to recognise when you’ve outgrown certain rooms • The role of accountability in transforming your life • How to build friendships that support long term wealth and personal development This is not about cutting everyone off. It is about awareness. Because if you’re trying to change your life, get out of debt, build a pakihi, grow your income, or simply think bigger, you cannot stay in environments that reward playing small. Your proximity matters. Your conversations matter. Your standards matter. If you’ve ever felt tension as you grow, this kōrero is for you. Listen now and reflect on who is influencing your financial mindset. 🎧 Māori Millionaire Podcast

I almost quit this podcast. When I first launched Māori Millionaire, I wasn’t getting the traction, engagement or impact I thought I “should” be getting. The downloads felt slow. The growth felt average. And I started taking it personally. I made the numbers mean something about me. That I wasn’t interesting enough. That I wasn’t impactful enough. That maybe I just wasn’t good enough. In this episode, I’m sharing what I learned from what I once labelled a “failing podcast” and how that mindset nearly sabotaged something that has now reached 100,000 downloads. We talk about: • Why you need to stop taking business results personally • The dangerous link between self worth and performance • How to study successful people instead of envying them • A practical exercise to identify the habits of the 5 wealthiest people you know • Why copying high performing habits is smarter than copying aesthetics • How to detach your identity from outcomes This episode is for you if you’re building something and quietly wondering if it’s working. Sometimes it’s not a failure. It’s just data. And sometimes the breakthrough comes when you stop making it about you. If you’re on a journey of entrepreneurship, financial growth, mindset work or personal development, this kōrero will shift how you see slow seasons forever. Thank you for being part of 100,000 downloads of Māori Millionaire. This is just the beginning. 🎧 Listen now and share this with someone who needs to hear it.

We live in a world that profits off your impulsivity. One click buy. Afterpay. Fast fashion. Uber Eats. Doom scrolling at 1am. And then we wonder why we feel broke, tired and behind. In this episode, I’m breaking down the real power of delayed gratification. Not from a grind harder angle. Not from a just be more disciplined angle. But from a nervous system angle. Because if you grew up in chaos, boredom can feel unsafe. If money used to disappear, spending can feel like survival. If you were taught nothing about emotional regulation, shopping can become your coping strategy. Delayed gratification is not about restriction. It is about reclaiming control. We talk about: • Why impulsivity is profitable for corporations • How trauma and scarcity impact spending • The link between dopamine and money habits • Practical ways to build self trust with your finances • How automatic payments protect your future self • Why wealthy people are not more motivated, just more systemised This episode is about choosing long term peace over short term relief. Because you are not the cost of living. You are the CEO of your habits. If you want stability, confidence and real transformation, this kōrero is for you. 🎧 Listen now. EPISODE ABOUT CHAOS JOIN MY NEWSLETTER

Imposter syndrome isn’t about your skills. It’s about whether you believe you’re inherently valuable. In this episode, I unpack how my imposter syndrome came from scarcity, comparison, and a deep “not enough” wound. I share how I used to pedestal people, overreact to opportunities, and feel lucky just to be in the room. And how that energy quietly kept me small. We talk about what actually shifted. Healing scarcity. Normalising success. Stopping the fan girl energy. Realising no one is above you. And the part most people skip: action. Because if you don’t post the video, pitch the idea, or share the journey, you’re outsourcing your power to imposter syndrome. This is a grounded kōrero about identity, self worth, and expanding into rooms that once felt too big for you. If you’ve ever known you were capable but still felt “not enough,” this one’s for you. JOIN MY NEWSLETTER

The pink tax isn’t a conspiracy theory. It’s a pattern. From razors and deodorant costing more just because they’re pink, to the unspoken expectation that women must spend more to be seen as “presentable” — being a woman in this economy comes with a price tag. But it doesn’t stop at retail. Wāhine Māori contribute billions to Aotearoa’s economy. When unpaid mahi like caregiving, whānau support and community leadership is included, that contribution nearly doubles. Yet much of that labour remains invisible in traditional economic measures. So we’re earning less on average. Spending more in certain categories. And giving unpaid time that keeps entire systems running. That compounds. In this episode, I break down: • What the pink tax actually is • The data behind gendered pricing • How unpaid labour skews economic reality • Why marketing thrives on insecurity • And how we move strategically instead of emotionally SUBSCRIBE TO MY EMAIL LIST This isn’t about victimhood. It’s about critical thinking. Because once you can see the pattern, you can move differently. We name the system. But we build anyway.