If hard work alone made people wealthy, a lot more families would already be rich.

In this episode, we unpack why some families build wealth across generations while others stay stuck — and why the difference isn’t about laziness, motivation, or effort.

We explore:

• Why work ethic is only a small part of the wealth equation
• How money conversations (or the absence of them) shape outcomes
• The role of exposure, systems, and long-term thinking
• How beliefs about risk, safety, and money get passed down
• What it means to interrupt intergenerational financial patterns

This episode is for anyone who’s ever worked hard but still felt behind — and for those who want to change the financial story for themselves and their whānau.

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