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:

• why most financial decisions are driven by emotion, not logic
• how su ...