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 this episode, Te Kahukura is joined by financial wellbeing expert Shelley Palman to unpack debt, financial stress, and what it actually takes to regain control of your money without shame.

We explore the emotional side of debt alongside practical steps people can take to reduce stress, avoid predatory lending, and build long term financial freedom.

In basic terms we cover off:

Good debt vs bad debt

The first steps to getting out of debt

What to do when debt feels overwhelming

KiwiSaver hardship and other support options

Paying off your mortgage vs investing

Building money habits that support freedom, not fear

ANZ has some gr ...