NZ Everyday Investor

A mere half-century ago, a commute that now takes minutes could consume an entire day. Just as rails would have accelerated our pace of life relative to the horse-and-buggy, emerging digital infrastructure promises to get more of our dollars, working at a faster speed. You've heard this in relation to fees, but I feel the conversation needs to go deeper, and consider the legacy institutions that can now be made redundant. Read more. Ryan Johnson-Hunt is the CEO and co-founder of DSG. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets

Already, the central bank influences the interest rates we pay, the amount of deposit we need, and soon, through debt-to-income ratios (DTIs), the amount of income required to become eligible to borrow money. Read More ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. 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. Do your own research, and take a broad range of opinions into...

One of the places Aussies and New Zealanders find support during tough times, is with financial advisers. It's critical that we continue to make accessible, affordable, and trustworthy financial advice available. According to research in New Zealand and Australia, financial advice builds wealth, and improves mental health. Check out full article here. Check out Jeff Royle from iLender here. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets

If you’re prepping for, building up, coming in for a landing, or even already there, you’re welcome to eavesdrop on these conversations. Sometimes you'll dig it, and other times you won't. Take what you need and leave the rest behind - read more here. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Paul Quickenden from Easy Crypto is my guest today to discuss the price action of Bitcoin following the halving cycle this year. How do the ETF's and current geo-political tensions make 'things different this time around'? ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets

While I’m hoping that a new type of money will fix the world, I still learn how to play the game by the current rules, because one thing keeps me up at night more than anything else: in the future, the ‘already haves’ get more, and what little those left behind currently have, get’s taken away. I want to be on the first team, and I want to make sure my kids get there too! So, we study the machine we rage against. Read More ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please act independently from any content provided...

It's not so much the band getting back together, it's about money and business nerds nerding out on property, bitcoin, and the problem with the broken money. Lukey Kemeys and Mikey Smith, the force behind The Keep The Change Podcast recently invited me along to have a chat. Hey did you know I often write an article for each of these episodes? It's true - occasionally it's quite brilliant. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15...

YouTube Version Check out Smart Money Tracker by Gary Savage. The more I learn about how people actually build wealth, the more cautiously I prescribe diversification. We’re sold index funds, but businesses and property are often what really move the needle. Read more ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets

Find out about our financial strategy sessions I want you to imagine a black box – Imagine wrapping up some of your time, and some of your money and just chucking it in that box. We believe that by doing so, we’ll get out more than what we put in. Our labour and/or our capital, perhaps a bit of both. Das Kapital, or Wealth of Nations? Read more. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign...

Would you like to learn more about how we can offer personal mortgage rate advice? Get in touch here: Book a free 15-min chat Chasing the Joneses In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success you're chasing. ______________________________________ Check out some online courses! Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social UGRO: For YOUR Wealth Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! *Hatch *Sharesies *Easy Crypto Sharesight: (Get 5 months free) *CMC Markets *Revolut Bank *I may receive a financial benefit if you click on an affiliate link. 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. Do your own research, and take a broad range of...

In today's show, you'll learn how the future could be more than a little good. That's right, all that cray cray crazy in the world is actually a good sign. Clive Thompson is a retired private banker and wealth manager of 47 years, based in Switzerland. None of this is financial advice, but I do hope it gets you thinking! Sign up to the newsletter! ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. 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. Do your own research, and take a broad range of opinions into...

Check out YouTube Version Here. Clive Thompson is a retired private banker and wealth manager, now living on the shores of Lake Geneva, Switzerland, after a career spanning 47 years. Read more. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for...

When you borrow money, own a home, have kids, or even just enjoy the same group of friends, often your connection to it is via a partnership. You're jointly and severally entangled into all you know, love, and value. If it all falls apart, wouldn't it be good to know the art in how you build back up again? Read More Bridgette Jackson is a divorce coach and she heads up Equal Exes. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and...

Traditional Web2 finance will make progress, but eventually, Web3 will meet it in the middle. Ready to build wealth for the future - keep an open mind. Follow me Twitter: @UngaroDarcy Follow Charlie Twitter: @CyborgCharlie ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. 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. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser and pay for advice!

As we're being kept safe from 'deflation due to recession', we're also losing the benefit of deflationary abundance. Check out the article mentioned here Connect with me on LInkedIn ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please act independently from any content provided in these episodes;...

Higher for Longer, or Lower and Sooner - in this one, we take a look at 'recency bias', and how a risk premium (due to geopolitics/war) may lead to higher rates for the foreseeable future. Chasing the Joneses In this series, I’m sharing views on wealth building that don’t come from books or social media – they come from real life. From first-time home buyers to retirees and everything in between, if you're balancing the life you have right now with your future life, get closer to the image of success you're chasing. ______________________________________ Check out some online courses! Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. A very big thank you to our past, present, and future sponsors! Thanks especially to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social UGRO: For YOUR Wealth Instagram YouTube Darcy Ungaro Book a free 15-min chat LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! *Hatch *Sharesies *Easy Crypto Sharesight: (Get 5 months free) *CMC Markets *Revolut Bank *I may receive a financial benefit if you click on an affiliate link. 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. Do your own...

The US Fed appears to be talking a tough game, and right when all the talk in NZ made it sound like a 'done deal', early signals are calling for another hike (or two) to our OCR. We are NOT out of the woods yet. So is it 'lower and sooner', or higher for longer - today I'm talking about recessions and depressions. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. 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. Do your own research, and take a broad range of opinions into account....

The bitcoin ETF, is the 60/40 portfolio dead, and is Darcy Ungaro a bitcoin maxi? Special thank you to Jeff Nijsse, host of the Blockchain NZ Podcast. Check it out here Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. 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. Do your own...

To choose the best time to lock in your mortgage rate, you need to get three things right: How much will rates change? Which direction will rates go, and when will the rates change. It may seem like a lot of work, but think of the potential reward - if you timed it right at the bottom of the interest rate cycle, you would still be paying less than 3% with almost two years to go. Read more here. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets Revolut: Sign up, and get a $15 credit. Disclaimer: Please

Part 2: Mortgage Strategy 2024 / CHA$ING THE JONE$E$ Have time on your hands? You're more likely to engage in low-value activities. Net immigration is high? Expect higher rents and house prices later on. Too much new credit creation? Watch interest rates fall first (price of money falls with higher supply), then watch them rise? New money supply hits asset values first, then the things we need for living. Credit growth can't outpace the production of more 'stuff' (GDP) because then, inflation. Ready to catch up and review your own mortgage? Make a time with Darcy here. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets

Part 1: Mortgage Strategy 2024 / CHA$ING THE JONE$E$ Is the ‘real’ cost of pursuing a 'secure' retirement quantified by NOT pursuing the upgraded kitchen today? The trick for individuals and as a collective is to optimise over both time zones of today, and tomorrow: 'The already and the 'not yet'. The government's the same: Optimise for long-term economic growth, or address the social needs of today? Ready to catch up and review your own mortgage? Make a time with Darcy here. ______________________ Take The Home Buyers Blueprint: Get a better home; Get a better mortgage. Sign up to the KiwiSaver Millionaire Roadmap: From 6 figures to 7; Get a Rockstar Retirement! Sign up to New Wealth Foundations here: Personal finance from a wealth-builder's perspective. Thanks to Easy Crypto, New Zealand's most trusted crypto brand and what Darcy Ungaro uses. Book in a free 15-min phone call with Darcy Ungaro (financial adviser)- click on this link. Get Social Sign up to the newsletter! YouTube Instagram TikTok: @theeverydayinvestor www.nzeverydayinvestor.com Instagram YouTube Darcy Ungaro LinkedIn Twitter: @UngaroDarcy www.ungaro.co.nz ________________________ Affiliate Links! I may receive a financial benefit if you click on these links. Hatch Sharesies Easy Crypto Sharesight: (Get 5 months free) CMC Markets