We own two rental properties with debt of $96k, should we sell a property to pay it off? – Mary Holm
I understand your reluctance to sell right now, given that house prices fell considerably from early 2022 to…
Psychology of spending: How to create good spending habits and avoid keeping up with the Joneses – Mary Holm
I’m not saying that applies to every purchase. We can all look back on certain holidays or concerts…
How much insurance do you really need? – Mary Holm
The woman had to cope not only with grief, and with children devastated by the loss of their…
How to protect an inheritance from break-ups – Mary Holm
I would think about it as a retirement fund, which would immediately benefit you because you would no…
KiwiSaver v wealth manager: Who’s best to manage our $1m nest egg? – Mary Holm
A: There are two unusual elements in your letter: you’re giving up home ownership in retirement. And your…
How to tell good debt from bad debt before you borrow to invest – Mary Holm
A: I haven’t read anything by Thomas Anderson. But I note that he has an MBA from the…
Should I pay down my debt or invest in share funds? – Mary Holm
I have half-heartedly invested before, but I always end up cashing out when it goes up a bit,…
I’m worried about the AI bubble bursting, should I switch out of growth funds? – Mary Holm
At least those were the numbers when I wrote this! There is, indeed, always the chance of a…
I’ve been investing in gold since I was 9, surely it’s a good bet? – Mary Holm
A: Well done for investing steadily throughout your life. It’s wonderful how that can build up. And your…
We spent all our savings in early retirement and now regret it – Mary Holm
We also had problems with the house – so many water leaks – because the pipes were old.…
Why suspending KiwiSaver contributions can make sense for top‑income workers – Mary Holm
A: Government – and would-be future governments – please note: KiwiSaver now offers some workers no incentives at…
Is it a good idea to sell our house and rent in retirement? – Mary Holm
I’m not sure whether they sold their home to fund the fun, but the basic idea is sort…